BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, I tried to access my Revolut account via their mobile app. the app kept crashing and it said they were having techinical issues. 

After I was finally able to log on, I tried to add money to my account via a debit card of another bank account, which did not work. It immediately triggered some sort of fraud flag. 

Via their verification review in their app, they asked me to take a selfie with one of my other connected bank cards to verify it. They additionally asked me to take a selfie with another card that I no longer have because the connected account was closed ( and card shredded ) over a year ago. I kept trying to explain one of the debit cards linked to the account no longer exists to their chat representative ( that's all they offer their paying " premium '' members ). I repeated it several times until she finally got it. And then, boom, I get a notification they have locked me out of my account indefinitely and they don't know when I will be allowed access to my funds. Additionally, they say I can not receive inbound funds, log into my account, transfer funds, etc. 

Moreover, I have a significant ACH transfer on the way to this Revolut account and am concerned because they say they will not take incoming transfers. When I asked " XXXX '' in customer chat if those funds will be returned to the initiating institution he keeps repeating that while they have denied me access to my account, they will keep my funds safe until I pass their " review '' -- - they refuse to answer if my incoming ACH transfer will be returned to my initiating bank. 

I pay for a premium " membership '' for this account that they have now seized without reason. As you can see in the chat, they will not tell me why or when I can access my funds. 
This bank -- backed by XXXX XXXX XXXX -- consistently crashes, locks users out of their funds and provides no real customer service besides chat bots. I spent four hours today trying to get an explanation or answers. 

Before they permanently locked me out of my account, you can see the attached screenshot where the " verification process '' is shown as being submitted on XX/XX/XXXX, but reviewed on XX/XX/XXXX -- when actually this all took place today XXXX XX/XX/2021 ) and not in a time warp. 

These unethical accounting errors, swapped out dates, shutdowns, and technical glitches are common and not to be trusted. 

As you can see in the chat transcript, it took me four hours to get responses and they still do not read for comprehension or answer the questions asked -- just flippant, canned responses -- and now, radio silence. Again, I pay {$9.00} a month for the privilege to speak to a chat bot concerning when I can access my money. Thanks in advance for any assistance you might be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: EQUIFAX, INC.
State: CT
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:
This is happening again to me. There has never been any late payments to cause a credit score drop. My student loan is working to find me a lower payment not because of ever being late for a payment.There is drop of 37 points on my Equifax report and this is a crime.My student loan is in forbearance legitimately. My complaint is that this keeps happening and it is against the LAW to lower ones credit score due to a student loan adjustment, I am having my Federal Loan changed to show a lower payment monthly, Never have I been late. I'd like the Federal Government to look into Equifax 's practice that are clearly illegal. I demand that steps be taken to stop this type of illegal practice. All my payments to everyone have been on time and they need to readjust my score to reflect the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: MOHELA
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: Credit inquiries on your report that you don't recognize

Complaint:
This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. XXXX XXXX, new DL, new last name, will double XXXX XXXX XXXX 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, XXXX XXXX ( XXXX ) XXXX - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After being denied Modification, I decided to do some investigation on my own. XXXX XXXX   states that they are not the owner as being claimed by Mr. Cooper/ Nationstar Mortgage. MY Forensic Document Examiner found several discrepancies and states in his preliminary report : " I have investigated the Trust as registered with the Security Exchange Commission ( SEC ) for the property 's loan number XXXX and zip code XXXX and found no match for either of those queries within the Trust. Recognizing that " XXXX '' stands for XXXX XXXX XXXX XXXX XXXX and the " XXXX '' stands for XXXX XXXX XXXX, I ran queries in all filings under XXXX for 2005 and discovered numerous zip code matches but no loan number matches. Further, I researched the MERS data base under both of the borrower 's names and SSN for MIN number XXXX and received a " No Match ' reply for the investor. Therefore, there is no evidence that this loan was secured under the alleged Trust or who the true beneficiary really is. '' After several written communication with XXXX XXXX, it is and has been unclear as to : i ) who is the current holder in due course and owner of the original mortgage note ; ii ) who is the current Trustee and how they became Trustee ; iii ) who is the current Beneficiary and how they became Beneficiary ; iv ) how the alleged loan was funded and by whom ; v ) whether money was laundered by the purported funders to fund terrorists activities ; vi ) where the funds to finance the alleged loan were obtained from ; vi ) who the funds to finance the alleged loan were obtained from. 

I am requesting that Mr. Cooper resolve this uncertainty and dispute by providing me with the following information with evidence that they have authority to foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX  to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX  has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''. 

The company never responded to the complaint.

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 2022-09-08
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The date was with XXXX via M & T bank. There was a payment sent to a fraudulent company, XXXX XXXX XXXX in XXXX, Wyoming. They are a fraud company who refused to give me the services of movers on the date and time ( XX/XX/2022 at XXXX ) agreed upon. Their business information is here : XXXX XXXX ( XXXX ) XXXX https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX The dispute was for {$530.00} made on XX/XX/2022 to XXXX XXXX XXXX XXXX XXXX. I got a notice from my bank, today, that my claim for a reverse charge and a cancellation of the payment to XXXX movers was denied and there was nothing they could do for me. This company has a horrendous reputation and I have filed with the XXXX  about this company as well. They refused to reemburse me for a product and service they did not deliver.

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 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
What happened is I did a stop payment on a company and they still allowed the company to come back in my account which in return calls me or overdraft fee and when I call they would not return the fee but they say they will return the item because of the stop payment and I feel that it's not right for me to have to pay a {$36.00} overdraft fee because I've already paid for a stop payment.

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 2019-03-02
Company: Innovis
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:
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and  accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: KY
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband and I have a joint account with the Navy federal credit union. I have had limited access to the account and when I called today to find out why the representative explained that I would need to be a member in order to receive the same access as my husband such as making a digital deposit. She told me that even though I am on the account I am not considered a member and to become one I would have to open a separate account. It is concerning to me that they are trying to force me to open another account that I do not need or want so that I can have the same access as my husband on a joint account. I feel this is a practice they may be using in order to inflate the account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have contacted the company who has been reporting the wrong information along with the credit bureaus .... XXXX and XXXX has removed the item but Equifax has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original case : XXXX at CFPB Sirs US Bank. 

I am immensely surprised at the treatment you provide to your ex-customers. 

Regarding the claim that I made through the CFPB against US Bank, I comment the following : On XX/XX/XXXX, in a simple, concrete and kind letter, issued by ( document attach # 1 ) : XXXX XXXX XXXX U.S. Bank Reatail Payment Solutions He let me know that the claim was solved. 

I received this letter on XX/XX/XXXX ; but since XX/XX/XXXX I could see in XXXX and XXXX   the rectifications requested in my original claim. Attached photo of the information presented ( document attach # 2 ) I thought that everything was solved, to continue with my personal plans : Apply as soon as possible for a mortgage loan. 

On XX/XX/XXXX, I observe my credit report in XXXX, and I see that the data that had been disputed in my original claim ( they were already solved ) returned to be reported. Attached photo with the report of XXXX on XX/XX/XXXX ( document attach # 3 ). 

Continuously to this, I review my case at the CFPB page and I find a very professional letter, educated, but with more problems than solutions, issued on XX/XX/XXXX by ( document attach # 4 ) : XXXX XXXX Customer Care Specialist Honestly, I do not understand what happens or where we want to go with this case. 

On XX/XX/XXXX, I made several calls to the number XXXX ( as you suggest in your letters ),  but only answers a machine, which indicates to leave my information, and somebody call me back in 24 hours. I am waiting the call today ( XX/XX/XXXX ). 

I have been respectful of their times and procedures, I have done everything to find a friendly and immediate solution, but that has not been enough. I can not continue postponing my plans, due to the actions ( good or bad ) that the representatives of US Bank carry out. I need a solution no later than 24 hours after you receive this communication through CFPB. 

Once again I request that the data of my account appear in the credit bureaus as an settlement should be reported : Condition : Paid-Close Current Balance : {$0.00} Status : Charge Off. Settled - less than full balance Nowhere should there appear something like derogatory or balance > XXXX ( XXXX ). these terms do not apply in a settlement. 


Regards, 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 2023-01-31
Company: Experian Information Solutions Inc.
State: IN
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the listed items and correct all errors. 

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 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 2018-10-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
As of XX/XX/XXXX, my credit limit with Walmart Master Card was  {$5300.00}. I have had Walmart Credit cards since at least XX/XX/XXXX. First it was MC with GE then Walmart changed to Discover, then Walmart changed to XXXX XXXX Master Card. On my statement ending on XX/XX/XXXX, suddenly without notice they have unfairly reduced my credit to {$670.00}. I moved this month and can not use my Walmart MC.  My credit increase again today was denied and tell me to check my credit bureaus. I have 100 % making payments on time history. I had one record in one of the credit bureau that was not mine and disputed it. But this happened in XX/XX/XXXX. My credit limit was reduced in XX/XX/XXXX ; when I moved! Obviously, Walmart is discriminating on me. Since ; I have a long history with them of 3 credit cards and making payments on time! 
I have at least 18 other credit lines all in excellent standing and at least 3 other XXXX XXXX accounts beginning from XXXX credit limits up to {$10000.00} credit limit! Therefore ; there is absolutely no reason for Walmart to having reduced my credit limit from {$5300.00} to {$670.00}! Please help me! I'm an inactive XXXX XXXX XXXX, have a valid XXXX XXXX license and have studied XXXX XXXX XXXX for years and I'm trying to start my XXXX business. In addition ; I moved to XXXX and Walmart is the only department store here. Everything else is 31 miles away in XXXX. I came here to rent affordably and to start a 100 % organic garden for myself and my son. Thank you for your help!

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 2023-01-18
Company: Credit Karma, LLC
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit karma was sending me preapproval advertisement to help increase my credit score multiple times within the past years. I sent several emails to customer service about the pre approval being denied. It not only denies me it set my score back down from pulling inquiries. It was a roller coaster of my score going up and down due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have asked AES numerous times for ALL my loan records as one loan seems completely made up. The information does not match to any loan made by me. The date they started reporting it was XX/XX/XXXX. However, it shows it was opened in XX/XX/XXXX. I never opened a loan on that date. There is a whole 8 years gap of reporting, which is illegal. In addition they fraudently wrote it off for {$65.00}, XXXX and sold it. The other loans I did take out were open prior to that and did not exceed $ XXXX. They were reported in XX/XX/XXXX, than this loan for an absurd amount was reported years later. Their practices are illegal and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Freeze my accounts

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