BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wed, XXXX XXXX 2023 at XXXX pm I received an email from my bank ( Navy Federal Credit Union ) stating that they have received my request authorizing a one-time electronic funds transfer from my Navy Federal EveryDay Checking account : XXXX to XXXX XXXX XXXX XXXX XXXX checking XXXX XXXX in the amount of {$5000.00} Date to transfer XX/XX/2023. The online transaction listed the name XXXX XXXX XXXX. 
Thu, XX/XX/2023 at approximately XXXX XXXX I contacted Navy Feder Credit Union via phone to inform them that this was not my request, and that I believe this was FRAUD. They said they believed my account was " compromised '' in my term it was hacked. I followed all of their instructions to close my existing checking and savings accounts, open new ones and change all of my account usernames and passwords, including my personal email. 
Since then I have received " XXXX '' information from them confirming I reported this FRAUD. I called in on Sunday, XX/XX/2023 around XXXX XXXX XXXX and after being on hold for a very long time and transferred three different times, I found someone who provided me with a REPORT FRAUD letter noting a Confirmation Number. Which basically disclosed to me that I would go to jail if they deemed my report of this FRAUD to be incorrect. 
Today Tuesday, XX/XX/2023 at XXXX am PT I received an email titled Brochure/Form Request. This e-mail thanked me for allowing them to assist me today, and stated the Form ( s ) and/or brochure ( s ) I requested can be located by clicking the following link. This led me to a Navy Federal Credit Union Declaration of Forgery/Fraud form 2 pages of information I must supply to them although I have no idea what information is required here. It instructs me that the entire form must be completed and returned to Nave Federal in order for this claim to be processed. It also asks me to provide any documentation relating to the claim ( e.g., police report, original forged documents ). 
I will now have to go to a Navy Federal Credit Union local Branch to figure out how I fill out this form as the information it requests is in bank speak and I have no idea what these terms mean. 
I need my {$5000.00} back or I will be unable to provide for myself, and my expense obligations ( rent, food, power, etc ). 
Why aren't they addressing this with me? They mentioned it could take 90-120 days to complete their " investigation '', however it appears to me that they have done absolutely nothing at all to recoup my lost funds from XXXX XXXX XXXX which should have been stopped and reversed that next day! 
So frustrated and worried. Please help me understand this procedure if you can.

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 2020-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/2020, I received a direct deposit in the amount of {$750.00}, on Friday, XX/XX/2020, I received a direct deposit of {$240.00}. Both of the direct deposits are from my employer that I worked for. They put a 2 day hold on posting it to my account, I also tried to use my debit card and it was declined. I contacted the bank and they connected me to loss prevention and they verbally stated they put a restriction on my account and that they will be closing my account in 10 days and keeping my money. My account is in good standing, it is not in the negative, I would like my money returned to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: MN
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:
Experian is listing accounts as charged off, which is reported as income and its illegal to report income

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account at the end of XX/XX/2019 because of a {$200.00} sign on promotion ( I have screenshots of the promotion ) and had to have a direct deposit of {$500.00} or more within 60 days of opening the account and I will receive {$200.00} in 90 days. 
On XX/XX/2019 I had a direct deposit of {$850.00}. 
On XX/XX/XXXX I called asking why I did not receive my bonus. They told me three different reasons that were not true so I argued, they said I was right and they made a mistake in their system and they submitted a ticket. After the days I called back and was told I'd get the money that day. The next day when I didt get it I called and was told I need to wait 3 more days to receive another call. They just keep telling me theres nothing they can do and it's been a week now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On Sunday XX/XX/XXXX I went to XXXX to search for a used motor vehicle. In an effort to gauge my qualification for approval, I filled out the sites pre-approval form. The results stated that I was not pre-qualified. On Sunday XX/XX/XXXX at XXXX, I received an email stating that the dealership would reach out to me concerning my inquiry for per-approval. On Monday XX/XX/XXXX I received several notifications that a hard inquiry had been placed on my credit report from each of the major credit bureaus. I did not authorize XXXX XXXX XXXX XXXX to run a full application for auto financing, yet they took it upon themselves to do so anyway, I advised them that I would file a complaint if the hard inquiry was not removed and I have not received a response from them since doing so. The representative I feel may be responsible is the sales person by the name of XXXX XXXX who may be contacted at XXXX or by calling ( XXXX ) XXXX or ( 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 2019-06-25
Company: Professional Recovery Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 I received a letter from Professional Recovery Consultants where states that I have a debt with XXXX County Emergency Medical Services, NC. for {$770.00} I called them and they do not have a valid information such as date of birth, department number and also my legal name.I called them again t and I was told to do a dispute by email ( XXXX ) now, XX/XX/2019 I received another letter with the invoice of provider stating that I owed this amount The description of the debt is based on an Emergency service with date XXXX. 
XXXX County Emergency Medical Services XXXX XXXX : XXXX XXXX, NC XXXX XXXX Emergency base rates : XXXX ALS Emergency milage : {$12.00} It seems that is a fake invoice As I stated, I have never been in North Carolina. 
Professional Recovery Consultants does not have a valid information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My chime debit card was used unauthorized and I filled a claim and they denied my claim. I lost over XXXX XXXX with chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: NRA Group, LLC
State: NY
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 checked my credit monitoring services and i noticed some unfamiliar accounts that I believe to be fraudulent on my profile. I would like these account removed as soon as possible.

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 2018-02-08
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello. I am a XXXX military veteran. I had all my student loans on forberance. Upon my arrival back from XXXX. I get a call saying my forbearance had expired and I did not reapply. That is not true, I did resubmit and faxed my orders to XXXX XXXX XXXX. Without that forberance my score went down and my credit hasn't been the same since 2012! Plus, my loan account moved to another provider and I never knew it! They were sending mail to an old address and did not have the correct number to contact me. So, by the time I would reach out to someone on my behalf ... the loan had moved! Very frustrating. My credit is jacked, my grandparents who co-signed for me ... their credit is messed up. I 100 % know I play a huge role in this and I take responsibility for my mistakes. But, I serve my country and comeback home to set things straight and I haven't been able to get a grip on my life and my credit life yet. Forberance was the only thing helping my credit score stay above water until I can make payments consistently and comfortably. Now, I hate when my phone rings and I just want to get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
Capital One Auto illegally repossessed my My vehicle by way of identity theft giving sensitive non public information to non affiliated third party, XXXX XXXX who is a non affiliated third party is now participating with Capital One Auto to collect a debt initiated by fraudulent activity. XXXX XXXX also gave sensitive non public information about me to a non affiliated third party a tow truck driver without my consent which resulted in illegal possession of my vehicle. Capital One Auto also took action without any order from the Court which is a violation of federal laws. 
Capital One Auto violated the following consumer law : 15 U.S.C 1692 F ( 6 ) Taking or threatening to take any non-judicial action to effect dispossession or disablement of property.

15 U.S.C 6802 ( B ) Opt out A financial institution may not disclose non public personal information to affiliate third party unless- ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of the title, that such third party : ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. 
( C ) The consumer is given an explanation of how the consumer can exercise that non-disclosure option.

15 U.S.C 1692e ( 10 ) The use of any false representation or deceptive means to collect debt or to obtain information concerning a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Venmo issue - I transferred money as payment for an item, the receiver is unable to access his account and asked that I have the charge reversed. The funds are now in Venmo " limbo. '' It has been 5 days. The receiver can not access and Venmo refuses to refund my money. 
Payment ID # XXXX Request # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I utilized the mobile capture to deposit two unemployment checks from the state of Florida on a XXXX XXXX account to my American Express Serve account. American Express directed me to use XXXX XXXX XXXX. Which I did, however, I received an email from XXXX " Transaction Notice! 
Your check transaction is not approved. 
Unfortunately, we are unable to approve your check Transaction ID XXXX dated XX/XX/XXXX. Your check will not be processed and the funds will not be added to your Serve Accounts Available Balance. 

Your check has not been processed. Your check remains valid and may be deposited or cashed elsewhere at a later time. 

Checks may not be approved for a variety of reasons, including : Check was not endorsed Check images are illegible Check was not written to you as your name appears on your Serve Account A properly voided image of the check was not received You can view all of your Mobile Check Capture by XXXX XXXX transactions in your Serve Transaction History under View Transactions or by tapping My History on the XXXX XXXX welcome screen within your Serve Mobile app. 

If you need to resubmit your voided check image, call XXXX XXXX at ( XXXX ) XXXX. 

I called that number to find out why I was unable to deposit the checks but no one answered although I was first in line. I waited each time I called for up to 30 minutes. I reached out to American Express, who were unable to reach anyone at XXXX or provide me with an answer. I call American Express several time and was either misdirected or sent to someone who eventually disconnected the call. 

I am thinking that this is unfair and deceptive as American Express is utilizing a third party vendor/provided that is a ghost. Even their employees are unable to reach the so called vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Bread Financial Holdings, Inc.
State: DE
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:
Come its XXXX XXXX credit card account is closed. The company is now reporting as past due not paid with a balance. On XXXX XXXX spoke with XXXX XXXX who was supposed to have a letter sent and account closed. This was not done. On XXXX XXXX spoke with XXXX XXXX option XXXX ext XXXX Says that an updated letter balance in full dated XX/XX/XXXX showing a XXXX balance. Says the account is not past due and is being reported incorrectly as there is no balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX  and Transunion are incorrectly reporting me 120 days past due on the XXXX XXXX- partial account number XXXX ( page 11 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  is incorrectly reporting me 120 days past due on the XXXX - partial account number XXXX ( page 14 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due. 
I have contacted the two bureaus to fix this issue.

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 2018-10-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt collectors denied any following information regarding the collection because I would not tolerate him being disrespectful and hung up the phone and threatened not to respond on the debts that were wrongfully placed on my credit. I have asked several times for the debt to be verified but it has not. This needs to be removed from my credit the company has declined communication with me regarding the issue. Therefore leaving me with a unspoken threat of this being left on my credit due to their non 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 2023-03-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened an account with wells Fargo when I got my first job and anytime I would overdraft they would charge me an overdraft fee everyday until I put money in the account. Or they would charge me a bank maintenance fee and then charge an overdraft fee over and over until I couldnt financially afford to keep the account. Its been hard to get certain bank accounts now and its been 10 years

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 2023-02-11
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a {$300.00} Credit Control acct on XX/XX/XXXX and was also informed medical collections under {$500.00} would be removed in XX/XX/XXXX. After a month the {$300.00} balance was still reporting I disputed that acct and I disputed a 2nd {$480.00} account as medical collection under {$500.00}. After the dispute they replied that the {$300.00} settled account as still owing and reported a collection fee to the other account making it {$600.00} plus. This is not correct. So the {$300.00} collection was paid and the 2nd collection for {$480.00} was changed to {$600.00} plus so it would remain on my Credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts do not belong to me, therefore Im demanding that these accounts be removed from my credit files.

1. Credit Factor Accounts ( XXXX XXXX ) 2. Credit Factor Accounts ( XXXX XXXX 3. XXXX {$1000.00}

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 2020-07-14
Company: TD BANK US HOLDING COMPANY
State: SC
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:
I own a XXXX XXXX  in XXXX SC and my vendor is a XXXX based company so I felt that dealing with TD bank was a no brainer they also being XXXX based. Due to the Corona virus pandemic my company requested we pay with card as to not be passing checks to drivers or dealing with more mail than necessary and to offset them losing money to people not being able to pay due to the virus. On XX/XX/XXXX I paid them {$20000.00} and then on XXXX I paid another {$7900.00}. I was looking over my bank acct statement later and noticed these charges totaling {$850.00} ( {$610.00} and {$230.00} ), I XXXX  the the payee ( XXXX XXXX XXXX  ) and found that TD started charging in XXXX a 3 % fee for paying out of country. I tried to speak with the local branch in XXXX XXXX who only said it is a legitimate fee, I asked my bank in XXXX who spoke to someone higher who said nothing they could do, I called the customer service number and XXXX XXXX. No one seemed willing to discuss it or care to actually hear my complaint. I feel they took advantage of me during a time of crisis, I have always paid by check but was requested due to the virus not to send checks. If I go to a non TD atm I get a warning about a fee that will be charged, would it not be a good idea to say hey you are going to be charged {$850.00} if you make these payments? They say they sent out the information but I do all my communications through email as I am rarely at home and do very little mail service, so I can assure you I had not seen this charge announced or I would have never given up a weeks pay to send money to my vendor.

Company response to consumer: Closed with monetary relief