BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian ; I signed up in XX/XX/2016 to monitor my credit report and after a few months I decided to cancel as I did not need the services anymore. I tried contacting Experian at the number that shows up on my credit card statement and i have sat on the phone over 20 times for over 45 minutes only to have the call dropped. While on the phone with them they have a recording that plays that says " if you want to cancel your membership, sign in to your account online and its easy to cancel '' however there is no place to be easily found on their site to cancel the membership. They route you back to calling in to cancel. Today while sitting on the phone I surfed their site and finally found an email to XXXX. I sent an email requesting cancellation and informed them that I was filing a complaint with the CFPB and FTC. For a company to make it so difficult to cancel is fraud. While I was typing out this complaint I finally got someone on the line with Experian after another 32 minutes. Then suddenly the call dropped, again!!!

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 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: IL
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 have submitted a debt validation dispute and it has been way past the time legally alotted and havent had any response yet. 

Original sent XX/XX/21 Sending second validation request XX/XX/21

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 2018-02-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, I began making purchases of digital currency in or around XXXXXX/XX/ using a JP Morgan Chase-issued credit and debit card. In XX/XX/XXXX, I made another purchase of digital currency in the amount of {$250.00} using my debit card. On XX/XX/XXXX, I was charged a {$7.00} service fee for a non-ATM cash fee relative to the {$250.00} purchase. I was not informed by my card issuer that I would receive penalties for purchasing a digital currency asset. I do not believe these are fair practices. Im certain other consumers have been affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The problem with Wells Fargo Bank. On XX/XX/2020 I applied for a first time buyer loan, I was pre-approved and with several emails and letters. My credit report was pulled and I was pre-approved by Wells Fargo Bank. I signed a purchase contract for a condominium unit in the beginning of XXXX, after calling Wells Fargo every day I received a call from Wells Fargo Bank at the end of XXXX, that the credit report pulled back in XXXX had one digit wrong therefore they needed to pull my credit report one more time because of that problem. My credit report was pulled back in XXXX that is why I was pre approved. Days later I received a call saying that because of my new credit report pulled in XXXX they can not approve the loan, I then claim that to tell me what was the difference between the report pulled from XXXX and XXXX, I was told that they didn't have access to the report from XXXX, not until later on the month of XXXX I received a letter from Wells Fargo saying that I was not approved because of my credit report resulting the lost of a good property because of Wells Fargo Neglect. As of today I am still awaiting for Wells Fargo to give me an explanation since XX/XX/XXXX, I have escalated this issue to the Executive Office and they keep postponing dates to resolve this complaint. I was told today that they should be giving me an answer by XX/XX/XXXX, but this is the same thing they do every 15 days. I have proof of all the lies and all the mistakes that Wells Fargo has done in my credit application.

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 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First Credit union has decided to automatically convert our accounts to premium with a {$6.00} fee, without our say. The only way I found out was by a news report on XXXX. I have yet to receive a letter to notify me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TCF NATIONAL BANK
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are refinancing our loan and the bank that owns our loan, TCF Bank, is out of compliance. Paperwork was submitted for a payoff amount on XX/XX/14 and as of XXXX they still have not responded with the requested information so we were not able to close on our refinancing loan in XXXX which was the agreement. 

TCF 's incompetence has been shocking. They recently asked if my loan is a VA loan. It is not, and it is crazy that the bank that owns my loan had to ask me that question. They clearly have no clue what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
On XX/XX/2019 my Transunion and XXXX reports took a hit of 10 points without good cause or reason. On XX/XX/2019 my Transunion and XXXX reports took another hit of 90 points with out good cause or reason. My credit was at XXXX and now it is at XXXX. There appears to be a computer calculation or clerical error. It may seem like these are duplicate complaints but the egrigious mistakes continue to happen causing negative results on my credit. This will cost me money in the end which could lead to my filing a civil lawsuit against the culorits involved. I am a XXXX veteran and i suffer from XXXX. These egrigious errors are causing me a lot of unneccessary stress.

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 2021-10-07
Company: EQUIFAX, INC.
State: CA
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: TX
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 paid off the XXXX note, but they didn't give me the exact payoff on the date I paid it. Obviously, they neglected to include an imminent accrued interest of {$5.00}. So {$5.00} was left owing on the note. I actually asked for the current payoff on the telephone and PAID IT THAT DAY, so this was the clerk 's mistake for giving me the incorrect payoff. The clerk also confirmed the note was paid in full at the time. It was not until the " late payment '' showed up on my credit report that I even knew there was an issue. ( I did not receive any additional payment requests ) At the time, I spoke with XXXX, they apologized, I paid the {$5.00} and they assured me my credit rating would be returned to " Paid as Agreed '' but I see it is STILL showing I was delinquent. Since the company didn't remove the error as they agreed, I felt you were my only option to getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On the XXXX of Monday I spoke with BBVA to have my account closed. I also reported my debit card stolen. They said it will take 1-2 days, then a transaction took place which overdrafted my account. Funding the account will take more days to fully process then X more days to close the account. I asked them to stop all transactions on my debit and savings account, which they apparently did not do. Theyre stealing money from me and I would like my account closed immediately to prevent this ongoing theft for an account I no longer use or fund. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had XXXX Bitcoins stored in a Wallet at Coinbase. On XX/XX/XXXX all my Bitcoins were transferred from my account. The transaction history on Coinbase says that money were " sent to Coinbase '' without further explanation. Coinbase does not offer phone support for transactions and asks their customers to create an support case via their web gui. Ive created several but they get closed without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan that is serviced through Navient that was in active repayment status paid via " auto-pay '' which I have set up through their website. In XX/XX/XXXX I began taking some classes part-time. In XX/XX/XXXX/XX/XX/XXXX, without any initiation on my part, Navient changed the status of my loan to " student deferment '' meaning that my auto-payments were stopped while the loan sits and accrues interest. There was absolutely no communication from Navient that this was happening. I only became aware when I noticed the payments were no longer being drawn from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 accounts listed are fraudulent someone stole my personal information AND social security number and photo ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME ... I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-05-13
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We previously had XXXX for our mortgage lender then our mortgage was transferred to NewRez Shellpoint Mortgaging Services on XXXX. I then contacted NewRez and was given their routing number and account number to set up bi weekly payments in the amount of {$900.00} to be taken out of my paycheck with the USPS. I have made approximately 7 payments for a total of {$6300.00} and I also sent a papercheck in the amount of {$2200.00} for an escrow payment. This company is stating they have never received a payment one nor the escrow payment I made. I have contacted this company on numerous occasions via telephone call, first class mail, certified mail and emails regarding this matter to no avail. I have since then had to reach out to an attorney which will cost us {$3000.00} to have this matter resolved. I am confused because during this process I received a letter from Shellpoint stating I needed to send any information to a different address, which I did, but on this correspondence I notice that the company name was XXXX NewRez Shellpoint Mortgaging Company. Why is XXXX part of this company after XXXX filed bankruptcy for the exact same thing happening to us now. Also, after some research this Shellpoint company is known for doing the same thing XXXX did and this Shellpoint company has a list mile long of other individuals whom they are doing the same exact thing to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: LUCKY MONEY, INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Ive always send money through Lucky Money but now they suddenly changed the turn around time for receiving the funds to 5 business days!  Who does that? Never again. They said the policy was changed and I was not aware and was never informed. Every month I always send money through them and now they suddenly changed the policy. Plus their customer service is USELESS! Transaction # XXXX. I have to send an email to their dept. when they already took money from my bank. Now I am screwed with my payment due in the XXXX. Thank you Lucky Money for the inconvenience youve caused me Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Best Loan Service, LLC.
State: OK
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:
Loan opened XX/XX/2019 with Best Loan XXXX XXXX. XXXX XXXX XXXX Ok XXXX. First payment due onXX/XX/19k I made first payment on XX/XX/XXXX. The manager name XXXX XXXX and workers in office XXXX said one day after due date you are considered 30 days late. I explain this is not correct. reporting with XXXX. I advised and 30 days late means 30 days past due date. After 2 months Manger XXXX said she would correct they have had changes in who sends reports to credit bureau. I explained this error dropped my credit score 100 points. She apologized, but avoided correcting and my calls she works out of this office, the loan office agents weren't helpful either. I filled a credit bureau dispute and got that corrected in XXXX. I paid this loan off on XX/XX/2019. They report monthly at the last day of month. Error again they reported XX/XX/2019 I owed {$640.00}. When I went in to pay the manager on duty was very rude, states I had called there office bothering them daily for my own error of paying late. I was profession for 5 1/2 trying to get them to correct there error. They state there company was bought but refused to give me new company owner 's name or contract number. If you are reporting a credit bureau you are required follow procedure. They need to be reported. Please take action for mishandling of my credit reporting and delays. ^

Company response to consumer: Untimely response
Consumer complaint received 2020-05-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account was hacked through the Navy Federal associated XXXX account on XX/XX/2020, the hacker attached an email & transferred {$980.00} from my checking account to his email, I gave them the hacker email address. I called bank same day and was told not to stop transaction ( I had ability to stop payment with their XXXX account ) I was told to let payment post & on 2nd call, I was told the payment was stopped, I later found it it wasn't. Navy Federal said because my device was hacked and that's how the transaction happened their not responsible but I could've stopped the payment twice but their agent told me not to & 2nd agent said it was stopped. Please assist me with getting my {$980.00} back because of Electronic Transfer Funds Act & the Bank 's incompetence, telling me not to stop payment. Thanks XXXX XXXX

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 2023-08-17
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023 I apply for an American Express XXXX XXXX credit card, I did receive approval and the advertisement stated I would receive a {$200.00} statement credit after XXXX to XXXX weeks from using the card to purchase a XXXX airline ticket. I took a screenshot, and this copy. I have called American Express 4 times to file a resolution, they are refusing to credit the promised {$200.00}. This appears to be false marketing. Please help me, many thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a credit card unsolicited from ACE XXXX Account. I can't call to ask questions because that activates the card, which I believe incurs a {$3.00} fee. I need to know if my social security number has been used without my knowledge to request this card, or if it is just a scam. I don't know how to find out. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2022- used the online portal to close account as directed by the service. When through the process of verifying my account to close it, then was told that Citi had placed my account as inactive - it has {$10000.00} in it as of XX/XX/2022. They said funds would be delayed 10-15days since they would send the check by mail and I said that was fine. 

Because the account is inactive, I can not close the account or access my funds. I asked how I activate my account- I was on chat for almost an hour then tried by phone for with Citi, and both said the same thing : the only way to re-activate the account is through a mail with my account number in the file. I expressed heavy concerns that I both could not track the status of this request and did not trust the security of sending this. I was told that the only way to access the account would be with this. I asked if a deposit into the account would reactivate it and they said it would not. I did not receive letters saying the account was inactive nor warning me of this. So far, I have taken off half a day of work with no resolution in getting my funds from my 'Accelerate Savings ; ( high interest savings ) Account. 

I expressed heavy concern that I would not be able to track the status of my request moving along nor that I would know if the mail was successful and that this would cause unnecessary delays in accessing my funds.

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 2020-01-22
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have never stepped foot or sat in a class at XXXX University or XXXX college . 
the school was closed for fraud. the school opened these loans in my name under false, an misrepresentation I have tried to contact XXXX XXXX who knows why the school closed they have no records. I've contacted the XXXX Attorney Generals office/Criminal division/ Citizen Services. I filled a claim last year. I was told it is under an investigation. I have checked but no response yet thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation