BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 am taking part in the forebearance program for mortgage. Navy Federal Credit Union informed that this will not be reported to the credit bureaus. My reports now reflect that my mortgage is in Deferred status. I contacted NFCU and was told they had not reported this to bureaus. I contacted bureaus again requesting who is reporting this and told it is reported from my financial institution. NFCU was contacted again and informed me that there was nothing they could do. Dates reported are XX/XX/XXXX, XX/XX/XXXXand XX/XX/2020 for mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Not my accounts listed

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 2020-08-03
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Experian refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Experian Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full

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 2018-10-25
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I asked to be placed on a repayment plan acceptable by the Loan Forgiveness program. I informed them that I worked for the XXXX XXXX and required the 120 payment set up for the Load Forgiveness program. Navient representatives guided me through the process and placed me on an income based repayment plan they said is acceptable for the Loan Forgiveness program. Seven years into my repayment plan I discovered I was supposed to send in proof of employment so that my years of payments and employment would be verified. Last year ( XX/XX/XXXX-XX/XX/XXXX ) I called the XXXX XXXX XXXX and was informed the income based repayment program Navient placed me on was not recognized in the Loan Forgiveness program. I am currently XXXX years old. I was getting ready to retire after 25 years of XXXX XXXX and I am forced to rethink my retirement date. when I transferred my loan to the XXXX XXXX XXXX, I received a tax form from Navient that  documented I paid THEM {$25000.00} in interest and NOTHING towards my student loan balance. I have been making payment to Navient for 20 years and I still have the same balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Follow up complaint number XXXX with XXXX andFTC Report number XXXX : On XX/XX/XXXX I call EQUIFAX phone number XXXX First call spanisn speaking XXXX send me to XXXX whom when I gave my SSN stop the call ; never call back. 
Call again XXXX With XXXX explaining that I has being pursuing : Protection of my Identity for the BAD ADMINISTRATION OF THE EQUIFAX DATA BREACH whom was affected in XX/XX/XXXX when them need to paid : My request were 1. Stop the Equifax 3- in-1 Credit Report suscribed with XXXX on XX/XX/XXXX for the amount of {$14.00} take it for my checking account. 
2. Request my credit report. 
3. Ask why when call the EQUIFAX LEGAL ADMINISTRATION FROM SEATTLE the EQUIFAX said : the person with SSN does not exist in the market because him did not owe nothing. 
4.Update my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have an account with XXXX for several years now and PNC has changed their policy which prevents me from transferring money to my XXXX account. I don't believe this to be fair since they haven't offer any type of solution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: BMW Financial Services NA, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This is NOT a request for verificationor VALIDATION or proof of my mailing address, but a request for Identity Theft made pursuant to the above-named Title and Section. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Date opened : XX/XX/2015 {$69000.00} Account : XXXX BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX Date opened : XX/XX/2015 {$38000.00} Account:XXXX I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: JPMORGAN CHASE & CO.
State: MI
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 was extended an offer to upgrade my XXXX card, and was told I would receive XXXX bonus points and a waived annual fee. The annual fee was not waived, I paid for it XX/XX/XXXX and have been dealing with Chase via SM for almost three months now to get it refunded. I paid an {$85.00} annual fee that should have been waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a text from Wells Fargo on XX/XX/XXXX telling me to contact them. Curious I looked into my account to find my last 2 mortgage payments were not automatically paid from my account. 

I called WF and found that the automatic payments were cancelled on XX/XX/XXXX. XXXX*I did NOT cancel my automatic payments***. There system just says " customer cancelled ''. Again, I did NOT cancel the automatic payments. Full stop. 

On the call with WF I was also informed that they had been trying to contact me via phone at a number that was not mine. While they had my mobile number, no attempt was made to contact me at that number until XX/XX/XXXX. 

I also immediately paid both the late payments. 

WF has not provided any additional information on how the automatic payments were cancelled. Since I did not initiate the cancellation, I consider this identity theft or system error. Interestingly, while my account shows a consistent pattern of *automatic* payments on the first of every month I randomly got an email from WF on XX/XX/XXXX saying I just made a payment. My record does not show any payment on XX/XX/XXXX because payments are made on the first of the month. I believe this bolsters my case that WF had some sort of systems issue that reset my automatic payment. For this reason I am choosing to publicize my case details because if it happened to me, it probably happened to someone else.

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 2021-10-13
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kay Jewelers HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$940.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!

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 2020-03-24
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Late in XXXX, my mortgage was sold by XXXX to Flagstar Bank. Because of a lack of assistance from Flagstar to my inquiries about the transfer, I elected, on XX/XX/XXXX, to cancel my tax escrow and manage the payment of my local property taxes myself. I submitted the required " waiver '' form and followed up with a document from Flagstar which both my wife and I signed confirming our election. Since the submission of the initial waiver form, I have had essentially no communication as to the status of my submission. Consequently, I have sent emails, a hard copy letter and direct telephone discussions with Flagstar 's customer service. My written inquiries have not been responded to. My contacts with customer service representatives have generated conflicting or erroneous information. Repeatedly, I have been told that Flagstar was waiting for the receipt of my signed documents. As I had USPS Priority mail receipts, they suddenly " found '' the documents in their system. Then I was told that my waiver request had been approved and I was now responsible for paying the XX/XX/XXXX XXXX County property tax installment. I agreed and prepared to send in the payment of {$2000.00}. Now I have received a " text '' that Flagstar has paid the installment. I have repeatedly requested that Flagstar return my escrow funds, amounting to approximately {$2600.00} before the so-called payment. Nothing has happened. Then I asked Flagstar to adjust my payment to remove the escrow portion so that I can make a timely XX/XX/XXXX payment. To date nothing has happened. I have asked and been promised that someone would return my calls and give me a status. No one has called. Flagstar uses a customer phone tree that is essentially an automated barrier, forcing callers to constantly make useless selections and listen to recorded responses rather than speak to a live person. Then, if I get through to a live person, they have wrong, conflicting information. So, as of today, I have no clear, consistent idea of the status of my escrow account. I also have an XXXX payment due that is incorrect due to the continued inclusion of the escrow. Given the fact that my wife and I are retired, dealing with the intense stress of the COVID situation, the callous indifference of Flagstar is unhelpful and unnecessary. I am asking for the intervention of your agency to resolve this situation.

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 2019-06-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There is a new report of a delinquent account on my credit report. I have never been late or delinquent. I contacted the creditor and verified that they made no such report, and I should contact the credit reporting companies. I contacted Equifax through their website to file a dispute and start an investigation. After putting in all the information, the website said it was temporarily unavailable and to call a number. I attach the message. I called the number and told me to it use the website - and endless bureaucratic loop. I did this three times over three separate days, each time with the same result. Same 20 mins wasted putting info in, same temporarily unavailable message at the finish, same use the website message. There appears to be no way to dispute a matter on my credit report and now way to speak with a person or file a report online with Equifax. This is my information, not theirs. They ought to at least follow the law and allow people to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt, I don't know whose debt it is and now after 11 years it is coming back to me again!! NOT MINE!!! GET IT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I purchased 2 sets of tickets but I was refused at the venue, the tickets I legitimately purchased did not work and cost me my travel fees and other charges, including the cost of the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2017 I hired XXXX XXXX of XXXX XXXX to build a mobile application ( XXXX  and XXXX ) for my company. We went over all the details of the project and how much it would cost. XXXX told me the project would take 6-8 weeks to complete and will cost {$1000.00}. He said I had to make a down payment of {$250.00} to get started and that is what I did. He assured me that I will be updated visually every 1-2 weeks until the project was complete. Once the first 2 weeks had passed I contacted XXXX for an update of my project and he told me that he was going out of town but the project is being worked on so do n't worry about anything. Two weeks later I contacted XXXX again about my project and once again he gave me another excuse. At this point he asked for a second payment because the developer did the coding for the applications and he would send me screen shots. So I went ahead and made the second payment out of good faith but I never received anything. XXXX then asked for another two weeks to get things together and oversee the project and he will show me what was done. The two weeks came and again another excuse. This time he told me that the developer sent him something but he was not happy with it so he could not present it to me. XXXX admitted to me that he under quoted me on the project and the amount of time it would take to complete and was willing to give me a refund if i did n't want to wait any longer. At this point it has been four weeks over the time he said the project would be complete. On XXXX XXXX, 2017 I reached out to XXXX expressing that I have been very patient but enough is enough and he became unresponsive. I then contacted Chase on XXXX XXXX ,2017 to file a dispute against the 2 payments that I made because no work was ever delivered to me at any point. I faxed all the correspondence between us to them that supports my claim. Chase then contacted me a few weeks later telling me that they are denying my claim because the merchant supplied evidence that I ended the project early which is not true. I then escalated the claim to be resubmitted and it was still denied. Chase refuses to charge back my account for the amount paid for a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America lending officer ( XXXX XXXX, nmls ID : XXXX, ) will not provide Loan Estimate as per my request. All information outlined by the cfpb as constituting an application was provided to the lending officer.
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Request was reinforced by sending to link to cfpb website outlining the requirements.

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 2020-09-24
Company: CBC Companies, 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:
I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. 

If this matter is not fix immediately, then I will pursue legal actions. Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
on XX/XX/XXXX I purchased a prepaid netspend card from XXXX XXXX. I loaded XXXX dollars onto the card and payed the XXXX for the activation fee separately. The card advertises that one can set up their account in 3 easy steps. After adding my ss # I was directed to customer service and asked to upload my documents. They wanted me to upload pictures of my drivers licence, s.s card and proof of address just to activate my card. I was told it would then take up to 14 business days to allow me to have full access. I told them thats ridiculous and why are they asking me to verify these things for a card not yet activated or attached to me at all whatsoever at that point. 
I felt they were trying to steal my identity using my money to do so. Eventually 3 days later I contacted a supervisor who told me she would just refund my {$300.00} minus a {$15.00} dollar fee for the refund. 
She said it would come to my address in a paper check. 
I verified my address and verbally gave my information over the phone. 
It matched up with my previous reported info they had in they're system. I was told just wait for it to come in the mail via ground shipping in just a few days. 

2 weeks later XX/XX/20 I called back to find out that the check was sent to an address that does not match mine and my name was mispelled as well. 
Again I was asked to upload my documents to have this issue fixed. 
After arguing for half the evening and repeating my issue to 4 different employee 's I was transfered to escalations where I could barely understand the employee through the obvious language barrie. 
I was told it would be fixed and I can call back for the update in 3 business days. Its again been weeks. Everyday is a struggle trying to get through to somone now. I can't get past the automated system to a live operator. The automated system requires me to enter my card # but my card was never activated therefore its not valid. The system automatically disconnects once my card number pings back invalid. On XX/XX/20 I was able to reach a supervisor for netspend who literally hung up on me when I asked why a financial institution would send my money to the wrong address and misspell my name when the very info required for verification is indeed correct in their system already on file from a previous prepaid netspend card! 

I have been scammed! I don't understand how this could happen after all these years and I purchased it at XXXX XXXX  grocery store!

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