BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: LoanCare, LLC
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 information incorrect

Complaint:
XXXX XXXX/Loan Care regarding FHA home loan has been misapplied my monthly payments to " suspense account '' instead of " regular payments '', which we tried very hard to do regular payments despite of financial hardship due to COVID. 

1.Paid XXXX, {$3300.00} was placed in suspense acct, reflected 30 days late 2.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 3.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 4.Paid XXXXXXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 5.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 6.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 7.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 8.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 9.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 10.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 11.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 12.Paid XXXX, payment for XX/XX/2020 {$3400.00} was placed in suspense acct, reflected 30 days late 13.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 14.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 15.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 16.Paid XXXX, payment for XX/XX/2020 {$3500.00} was placed in suspense acct, reflected 30 days late 17.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 18.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 19.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 20.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 21.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 22.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 23.Paid XXXXXXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 24.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Certificate of Deposit which was opened in XXXX was closed on XXXX without my consent and it was transferred to my wife 's account which was not even listed as an external account on the certificate of deposit. I never provided any authorization to close this account. This account was having 2.85 % APY. 

When I contacted the customer care, they said this was done by mistake and asked me to wait for a few days as they would fix it. 

Few days later when this was not completed, the customer care team on XXXX XXXX asked me to open a new CD for 3 years ( 0.3 % APY ) and transfer the funds into the new account. They told me that the new CD account APY would be updated within 5 days. The reason they asked me to open a new CD because they were not able to pull the fund from the external account. 

Between XXXX XXXX and XXXX XXXX, I called customer care multiple times and every time they said it's pending with the system and would be done by XX/XX/XXXX. 

Today on XX/XX/XXXX, when I called again, they said APY can not be updated to 2.85 % and even though it's their mistake, they would not fix it. This is a clear case of fraud as the CD was liquidated without my consent and feeling really helpless here. 

The customer service team manager said, whoever I have spoken to between XXXX and XX/XX/XXXX, they all misled me. 

There are two things to note here.

1. The CD was closed without my authorization 2. The money was transferred to an external account which was not even listed in my account. 

How can Capital one liquidate an account without customer authorization and transfer the fund to an external account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: JPMORGAN CHASE & CO.
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:
Booked a snorkling tour on XXXX XXXX, Hawaii, on XX/XX/2021 for the tour on XX/XX/2021 at XXXX XXXX  for {$300.00} ( including rewards points ) through Chase Banks ultimate rewards site using my Chase credit card. Trip was confirmed by leaving a message for the vendor XXXX XXXX XXXX. The vendor never showed up for the tour and I called up Chase Bank about it by XXXX XXXX, and on several occasions after that to get my refund. Chase Bank refuses to issue refund until they get money back from the vendor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
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/2020 I opened a bank account with PenFed Credit Union. At the time I was informed that they would perform a " soft '' credit inquiry that would not effect my credit report negatively. However, shortly thereafter on the same day my XXXX score plummeted. My score decreased 40 points!! This was exceptionally disappointing because I was & still am in the process of repairing my credit. I've written them & have also spoken with the bank 's representatives several times now without any resolve.

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 2021-07-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
My XXXX XXXX debit card had unauthorized charges on it that I didn't realize until I went to use it for a hotel on a out of town trip and had a issue using the card. I went to check my transactions and saw multiple {$5.00} charges going back to XXXX XXXX to XXXX XXXX for XXXX XXXX and a few from XXXX which were around XXXX dollars. I reported it right away on XXXX XXXX and XXXX XXXX  closed that account and issued me a new card. After there investigation they say shows no fraud and I will not be credited {$360.00} is what the total amount was. I told Adp that I am not a XXXX XXXX  subscriber or XXXX and I do not use those services. They recovered some funds back from XXXX but are saying the XXXX charges is not Fraud! I would like to know who did this investigation and how to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My name is XXXX XXXX, my complaint is in regards to the way my loan payments are applied. Navient is the service provider. I currently have 5 student loans with them, all set up on Auto draft payments. In addition to the monthly autodraft I make over payments. I specify which loan each over payment should be applied to. The problem is, every time I make an over payment it automatically advances my due date on that specific loan so that the next ( or several ) regular payments are not made ( other than the interest ). I have called, and Navient apparently has a setting where any over payment will NOT advance the due date. However, 100 % of my overpayments have advanced my due date. I have to call, speak to a representative, and I get the same story 100 % of the time. They see that it shouldnt have, they apologize, tell me they will send in a request to a back office to get the issue resolved. The issue has never been resolved. This has been going on for over a year. My account is setup to not have my due date advanced but it still advances. 

The next complaint I have is in regards to over payment applications that I did NOT specify where the payment should apply. Again, my account setting is to have ANY additional payment applied to the loan with the lowest balance. Again, not a single time has this ever happened. However, the unspecified overpayment gets applied across all loans unless I call to have it reapplied. 


The resolution to the problem will be to have my loan payments apply the correct way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: NV
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:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.. Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear EXPERIAN, XXXX XXXX, XXXX XXXX XXXX  There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXX/XX/2017, XXXX XXXXXXXX XXXX XX/XX/2017 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THE FINANCIAL INSTITUTION GAVE ACCES TO MY MONEY A THIRD PARTY WITH OUT MY CONSENT ANF ACCES TO MY HUSBANDS TAX REFUND CHECK AND THEY ARE REFUSING TO GIVE ACCES TO MY MONEY, THEY REFUSE TO LET ME TALK TO SOMEONE IGHER THAN A GUY NAME XXXX WHO IS VERY RUDE AND AND WHEN I ASKED TO TALK TO SOMEONE HIGHER HE REFUSED TO ALLOW ME TO DO SO. IAM BEGINNIG TO FEEL THAT I AM BEING DISCRIMINATED AGAINST THE FACT THAT I AM A FEMALE XXXX WOMAN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-12-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have had a longstanding MasterCard with Citibank. 
Because the annual fee is high relative to the services offered, I have asked Citibank to close the account. ( I never activated the new card I received in XXXX /XX/XX/2018. ) I did not have any balance due as I pay my balance in full every month.

Citibank has decided instead to harass me into paying the annual fee for the coming year. In addition, they outrageously have leveled interest on the fee for a card that is no longer of any use.

Citibank has called my phone outside of business hours, including Sunday mornings as a further method of harassment and has put in negative information on my credit report.

Citibank should accept that this card is of no value and accept that they provide poor customer service and therefore do not want to deal with them. They should stop the harassment and rectify any information provided to Credit Agencies.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting my first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX & XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had a Lease with Toyota Motor Account # XXXX Opened in XX/XX/2017 for the duration of the lease I made my payments on time. I reached out to Toyota to request what the status of the account is due to the bureaus reporting Collection/Chargeoff. They responded saying I was not ever late on this account ( see attached ) No mention of any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: NV
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've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Card has been on a " security hold '' for no apparent reason and without notice to myself since XX/XX/18. Customer service will not, or can not take any action including payment, closure or resolution until I speak with their security department. I have made 3 attempts to contact the security department via phone and was placed on hold without answer for a total of 5 hours over the past week ( last call was XX/XX/18 ). They have refused to close the account, and I have no means of contacting them other than the phone, which they do not answer. HSBC has had a high volume of similar complaints on various consumer sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had over draw protection XXXXautomatic payments come out, I call the bank to get a loan, they decline me over the phone XXXX to fix my acount, decline. I was in a car accedent XX/XX/17. Went in for XXXX My acount got over drawing, no help from the bank over draw fees over XXXX last year alone and closed my last week, now no way to pay my bills XXXX default services XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX XXXXoh XXXX XXXX oh XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a previous complaint about how they were handling my request to switch income based payments. I thought the situation was resolved when they approved me for ICR payments with a {$5.00} forbearance in XXXX. In XXXX I never received the bill for {$5.00}. I called and I was told that they could not generated a bill because of when my request was approved, but I needed to pay the {$5.00} by XX/XX/XXXX, which I did. Subsequently, I was given a bill for XXXX which reflected my payment under the new plan. This week I was sent an e-mail saying that my request to be on the ICR plan that was already approved was rejected and now pending. I immediately called when I saw my {$5.00} payment for the forbearance was being considered an early payment for XXXX. I was told that when the automatic payment is made for XXXX the processor will see the payment was for my XXXX forbearance and fix the problem. 

This morning I received a letter in my file stating that my account is now in administrative forbearance and my XXXX payment under the new ICR plan would not be made. I would like this problem fixed asap. I want to get credit for the loan forgiveness program and Fedloans is purposely messing with my account.I did everything they told me to do and there is still a problem, which they have blamed on their computer system. 

Also, the amount of payments for my eligibility for loan forgiveness is incorrect. They have not processed 13 payments from when I was with XXXX XXXX. Instead of 45 payments my account should reflect 58 payments. I sent in an employment verification form from my eligible employer showing I worked there from XXXX.

Company response to consumer: Closed with explanation