BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The closing documents for my mortgage application were signed on XX/XX/2021. During the 3 day waiting period NFCU decided to pull out of the transaction citing they were unable to verify my employment. After submitting several verification letters from my employer and even going as far as hosting a three-way call between myself, NFCU, and our HR department, NFCU has persistently failed to accept any formal form of employment verification provided. Theyve even requested to speak to my direct manager knowing that this would not suffice in verifying my employment in an effort to stall the signing process.

Furthermore, NFCUs reps have failed to respond to countless contact attempts via phone and email. Ive requested callbacks regarding either moving forward or cancelling the process to several NFCU reps at all levels of the mortgage lending team only to be ignored. Ive explained the severity of the situation theyve have put me in ; from the thousands of dollars spent caused by their delay to the countless hours spent by myself, my realtor, and the sellers team. Whats worse is now NFCU has taken what little money I had saved and tied it up in their unknown process so I cant even move to another apartment. Without a sound response from NFCU regarding this delay Im beginning to believe this lack of guidance and care could be due to my name/race. There is no other reason that makes sense based on the circumstances at hand.

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 2021-09-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On or about XX/XX/2021, I made a purchase on my American Express card with XXXX XXXX. I purchased the following : 1. Restaurant : {$30.00} 2. Oil Change {$49.00} I was charged {$120.00}. In fact, I should have been charged only {$79.00} in total. The problem was that XXXX mistakenly charged me twice ( 2x ) for the Oil Change Portion. Instead of charging me {$49.00} for the oil change, XXXX charged actually charged me {$99.00}. The Restaurant portion was fine : {$30.00}. The total charge was {$120.00}, but should have only been {$79.00} altogether. 

I tried contacting the merchant ( XXXX XXXX ), but there is no telephone customer service. I was unable to reach any customer service help at XXXX XXXX. 

I tried disputing this with American Express, but American Express does not understand the complaint. It summarily denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As per guidance from my bankruptcy attorney, I sent a letter request to TransUnion on XXXX XXXX, 2017 requesting my free copy of my credit report. Along with the letter, i included a copy of my drivers license and my social security card. 
I received a letter back from TransUnion stating that my request couldnt be processed because they need proof of current mailing address. I provided my driver license which has my mailing address and is listed on their letter as an acceptable form of proof of address, on the reverse side of this letter is a form to fill out which includes payment ( visa, mc, etc. ) Therefore they are refusing to fill my request because they want payment?? 
I called Transunion today and spoke to a representative XXXX who said he had my credit report up in front of him and that i can go to the website and request the copy. i do not wish to submit my personal information ( including ss # ) on their wensite. I am entitled to a free report. 
This is a scam as transunion is only looking for customers to pay for their credit report even if they are entitled to one per year for free. 
Very disappointed and untrustworthy. very unfair business practices. 
Please assist.

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 2017-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One 's systems disable my email account and was not sending notifications. I rely on these notifications for making payments and getting information about charges. The previous month I had problems and called but was assured all was okay. I then had another late payment and called again to find out why the email notifications on this account were not working. The technical team got to the bottom of it and it was Capital One 's systems that disabled my email. They assisted in unblocking my email. But I was charged another late fee of XXXX on XXXX/XXXX/XXXX. I then decided to setup auto payment because the Capital One systems were not reliably sending out account notices as they assured customers that there were doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collection company making robocalls to random people based on just a last name match. I have a common last name! They call everyday!

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 2021-09-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
navy federal froze my account and would not give me any detail. I have requested information and informed them that i am a victim of identity fraud and they have since denied my claim. they froze my account because someone tried to call in and get access to my access twice. the first time they were successful and the second time the were unsuccessful. I have since filed police reports, filed a claim with the FTC and IRS and Navy Federal has been rude and unhelpful with this CONSTANT security issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My name is XXXX XXXX, I have been trying very hard to build my credit back due to a divorce ... 
As of XX/XX/19 my credit score was XXXX ... I looked today XX/XX/19 and Experian had knocked me down 3 points ... I tried to call Experian and ask them why they did this but I couldn't get an answer from them ... this is very frustrating to work so hard on your credit and have this to happen ... it really discourages a person ...

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 2019-04-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted to creditor to resolve the debit and was told they can not accept a payment or voluntary payment because the creditor issued me a 1099. the issue that I'm having is they refuse to update the reporting balance to reflect XXXX on my credit report, which is hindering my ability to finance my new home.

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 2019-04-23
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is charging for things that are not suppose to be on my credit report do not know this company or the company it represents.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 reporting incorrectly that I am 60 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08
Company: Asset Recovery Solutions, LLC
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It was reported to the bureaus after coming to an settlement agreement that I was delinquent in payments although the payments were made. The account was paid in its entirety with second payment. Companies involved both claim no responsibility with reporting to credit bureaus. Account still remains as a delinquent collection after payment was received. It also shows it was settled and the account was paid in full not settled. The amount owing was {$560.00} and the full amount was paid, not a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: United Student Aid (USA) Funds
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
USA Funds continues to garnish my wages without sending me any information in the mail for me to dispute the loan. I have tried to enter into the rehabilitation program to stop the garnishment but they still continued to take money out every paycheck. 

I have never received anything in the mail from them and only have been told by them that they are collecting to XXXX  student loans which was a company that was part of XXXX XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
on XX/XX/XXXX a pay by phone payment was made to my account.   The payment was for more than my re occurring payment,  I pay in full.     I have never made a pay by phone payment!  ON XX/XX/XXXX.   bank of America  deposited  $ XXXX to my account. It was credited.  Than $ XXXX. was charged on XX/XX/XXXX. I have called numerous times with out resolve.  Right now on XX/XX/XXXX. I have been on hold will a rep and supervisor figure it out!  25 min!    on XX/XX/XXXX I was on hold 50 min , no resolve.   Thi was bank of America 's XXXX up on y account and they won't fix it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-10-19
Company: JPMORGAN CHASE & CO.
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: Problem with rewards from credit card

Complaint:
I have an existing Chase credit card that has accrued XXXX of their credit card reward points ( Chase Ultimate Rewards ). I intend to close this credit card account in the coming weeks but would like to transfer my existing points to my wife 's Chase account. My wife has an active and separate Chase credit card account and existing Ultimate Rewards account. Chase 's website and literature advertise that transferring points to another member of one 's household is allowed and considered a benefit of the card. 
On XX/XX/21 I attempted to make the transfer of points to my wife via Chase 's website. After visiting the " Combine Points '' website, Chase has removed the option to add a member of your household ( see attached screenshots of what is visible on their website now, compared to what used to be there ). 
On XX/XX/21 I called Chase 's customer service line to escalate the issue. The representative on the phone was unable to transfer the points, could not provide an explanation for why they couldn't be moved, and then said that he would escalate the problem and that someone at Chase would follow up with me. I have not received any further communication from Chase since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: JPMORGAN CHASE & CO.
State: IL
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:
Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from Chase without my knowledge. Please advise!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: SC
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT ON MY FILE. THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, THIS ACCOUNT WAS INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On XXXX I sent out a detailed dispute letter to Transunion certified mail, on some issues that i don't believe are accurate on my credit profile. There are some misleading information on there that is really hurting my credit and it has been well over 45 days and I haven't received anything about their investigation at all. I know the Fair Credit and Reporting act says that it must be accurate nd they have to give me information about it within 30 days. Well i am still waiting so i kindly ask them to remove the inaccurate information and remove the unverified late payments.

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 2021-10-19
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: Was not notified of investigation status or results

Complaint:
My wife and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on Transunion and XXXX credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

My wife and I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my wife and me from XXXX XXXX XXXX XXXX XXXX I told them we sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.

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 2017-09-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently Wakefield Associates placed a collection on my credit reports that is a result of stolen identity. I have contacted law enforcement about the issue and have also contacted the credit bureaus and creditors about the problem.I disputed the Wakefield account and furnished amy official police report but they still continue to verify the debt as mine when in fact it is n't because i was a victim of fraud. Even if the account was mine according to the FCRA and the FDCPA a collection agency can not verify anything but only validate. i 'm not questioning the validity of the debt but I 'm standing firm on the fact that I can not be held liable for something I did not do

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