BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX {$500.00} was deducted from my Everyday checking account and only listed as an adjustment. After contacting Navy Federal Credit Union the same day, I received a response from them on XX/XX/XXXX in which they stated " the adjustment was for an overdraft from XX/XX/XXXX which occurred on an E checking account that they closed, and If I felt that it was done in error, then I could call the recovery department to correct the issue. 

Upon calling the recovery department I was transferred three times until I ended up speaking to the inside the fraudulent claims department in which I spoke to a young lady who told me that she would file a claim but was unsure if it would even go through since the amount of time has been so long. I told her that I was never contacted by anyone in regard to the overdraft or the account being close even though I have visited their branches recently and have made deposits to my Everyday Checking account a number of times. She went on to say that the account was closed, charged off and s listed a bad debt after I told her that I could not have made the withdrawal that was listed due to me being in another state other than where it was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had my account less than 1 year with this bank. During my time with them, I was told many things by the branch. One of those things is that they do n't charge fees on top of fees. Recently I received an overdraft fee and I was told that it was the only fee I would get. They then turned around and charged me an additional {$30.00} fee. Also recently, I used their mobile deposit for a payroll check. They refused to provide me with access to my money and placed a large hold on it. I asked for it to be canceled and I was informed they have no option to cancel a mobile deposit and that they can do whatever with my money they want. They indicated to me that the law allows them to hold a check as long as they choose, however the law also says they have to inform me of that hold. If they choose to hold and not inform me or allow me to cancel then they are violating the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-12
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi I was just calling about my background check you guys did the first advantage the warrent that said it was issued on XXXX has been squashed also I did not plead guilty to XXXX  XXXX I pled no contestSentencing you guys have is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/20 Franklin Collection Service Inc was in receipt of a letter that I had never done business with the company and was disputing alleged debt and requested full validation or immediate removal and cease and desist ( Tracking # XXXX XXXX XXXX XXXX XXXX ) I received an auto generated response from the company, which failed to adhere to the requirements needed to validate debt mandated by the FDCPA and Texas Finance Code. 

On XX/XX/20, I have sent a second request via mail ( cmrr # XXXX XXXX XXXX XXXX XXXX ) to the company informing them they have to validated that I in fact owe this debt, and have entered into a binding agreement with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital one said they would remove inquiries they still are reporting inquires to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/17 I sent .XXXX BTC from my XXXX account to my XXXX account. It was completed on XXXX part and sent to XXXX/Coinbase. My Coinbase account said that they received the BTC and supposedly sent it to my XXXX account. It even says that its completed. However, on my XXXX account I have no BTC and no history of the transaction. And there is nothing nothing on Coinbase either. I have tried messaging every day for the past week and have received no reply from them even acknowledging the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a {$500.00} American express gift card from the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX RI on XXXX/XXXX/XXXX. I used the card normally over the next month. It remained in my possession in my wallet expect when it was being used for purchases. On XXXX/XXXX/XXXX, four fraudulent purchases were made over the internet using my card totally {$49.00} ( XXXX @ {$24.00}, XXXX @ {$5.00}, and two charges at XXXX at {$10.00} each ). I noticed these charges on XXXX/XXXX/XXXX when checking the card 's balance on the American Express website. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that the American Express would investigate and get back to me. It has been a month and I have n't been contacted. This is the second time I have had fraudulent charges on an American Express gift card, so it appears to be a recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from XXXX  and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX XXXX  and have had XXXX XXXX and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX MD XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX  - XXXX 2. XXXX XXXX XXXX  - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX ( partial ) 5.  XXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX 8. XXXX  XXXX XXXX XXXX 9. XXXX XXXX XXXX - Unknown 10. XXXX XXXX XXXX Checking Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2.  XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5.  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13. XXXX  , XXXX  . XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX  XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX XXXX/XXXX  Credit Line XX/XX/XXXX ; XXXX  -XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX   XXXX/XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX XX/XX/XXXX ; Trans Union/XXXX XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX   XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX/XXXX XX/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 explanation
Consumer complaint received 2019-09-21
Company: AES/PHEAA
State: KS
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 was sent an email stating that my loans were placed into deferment due to my enrollment in school. I NEVER agreed to have my loans deferred and do not wish to have my loans deferred. When I search myfedloan website to figure out how to put my loans into repayment, I was unable to do it. I had to take time to call the toll free number, wait on hold to then be told that I had to print and fill out a request to put my loans back into repayment and then scan back to them. I completed this on the XXXX when I made the call and my loans are still listed in deferment. This is ridiculous and should not have happened without me making a request to defer my loans. I have copied the email that I received below. 


XXXX XXXX UNIVERSITY notified us that you're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. 

In-School Deferment Dates Deferment Begin Date XX/XX/XXXX Deferment End Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Nelnet, Inc.
State: WI
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 went back to school during the COVID forbearance ( in XX/XX/XXXX ) which put me into an in-school deferment. This can be confirmed by the notice I received from Great Lakes on XX/XX/XXXX which I've attached to this complaint. The notice states, " Your request for deferment has been approved and has been applied to your accounts through XX/XX/XXXX. '' Towards the end of the letter it reads, " You can cancel this deferment at any time by calling us. '' Given the ongoing COVID forbearance, I have looked into the PSLF program and its temporary waiver. I understand that time spent in an in-school deferment does not count towards PSLF-eligible payments XXXX I have been working full-time for a PSLF-eligible employer since XX/XX/XXXX. I want to take advantage of the PSLF program and hopefully get these 2+ years to count towards the 10 years needed for forgiveness in the PSLF program. 

Today, I called Great Lakes to ask if they could remove the in-school deferment on my account. I spoke with multiple people and each one told me they could NOT remove the deferment on my account. When I asked why, I got different reasons, including : - I needed to be in an in-school deferment period in order for them to remove the deferment on my account ( I told them that according to the communication I received in XX/XX/XXXX, I should still be in an in-school deferment period - they said I wasn't anymore, even though I never received any updates or communication about this change in status ) - They can't retroactively remove the deferment on my account, even if I was still in an in-school deferment period ( The notice I received clearly states that I could call them at any time to remove the in-school deferment status ) Based on the communication I received from Great Lakes back in XX/XX/XXXX, I should be able to remove this in-school deferment status at any time, which is what I'm trying to do, but the representatives I have spoked with told me that they can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: NC
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2018-01-07
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX, XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose. 
i am trying to send them a debt validation letter, along with a copy of my current UCC1 financing statement, which should compel them by law to erase any delinquencies. I am ultimately seeking to open a secured credit card with my new credit union and that can not happen if experian continues to evade receiving my documents. 
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 explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my 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 2018-01-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX our daughter XXXX XXXX and left 3 student loans we had co signed for her to attend college. Shortly after her XXXX we started receiving multiple phone calls from American Education Services demanding payments. When we advised them of our daughter XXXX XXXX the phone calls did finally stop and we heard nothing for awhile until we received a request for a copy of the XXXX certificate in late XX/XX/XXXX to see if the loans would be discharged according to AES. In late XX/XX/XXXX we provided a copy of the XXXX certificate and wrote a formal letter requesting discharge of the loans. As of this writing all we have received is a copy of the promissory notes and not a formal written explanation as to why these loans can not be discharged since she XXXX XXXX. As a Military Vet who served this country honorably for 24 years its horrible to be treated so unfairly and without a genuine explanation. We are stilll trying to get over the tragic XXXX of our daughter and to have this held over is nothing but more stress and anguish.. Further information is below :.. 

XX/XX/XXXX AES notified all 3 credit reporting agencies the 3 AES loans were closed. 
XX/XX/XXXX AES notified us the loans were in forbearance for the next 60 days XX/XX/XXXX AES notified a 3 credit reporting agencies the loans were 60 days overdue and reopened the loans in a separate filing with all 3 credit reporting agencies cutting my credit score over 90 points. As of XX/XX/XXXX my understanding from AES was the loans were never discharged but their poor credit reporting led us to believe no payments were due.until we received a letter on XX/XX/XXXX stating the payments would resume in XX/XX/XXXX. AES needs to communicate clearly on what were suppose to do and not damage a credit report because they can on a dialy basis.....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens sent out an email that they were going to pay an insurance company {$1400.00} for hazard insurance on XXXX/XXXX/2021. I called them on XX/XX/2021 to advise that another company had been set up and that it would be prepaid without need for escrow. I sent a paid receipt from my XXXX XXXX with evidence of insurance on XXXX/XXXX/2021. I received notice from Citizens that they paid the {$1400.00} and the {$760.00} to the other insurance and deducted it from my escrow. 
Further research with both insurance companies found that Citizens never sent checks to either one and/or placed stop payment on them. After three calls to them over the last 6 weeks, they have still not corrected the escrow account. Average wait time to speak to them is over 45 minutes per call. 
Please advise if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX hospital center never sent me a bill regarding the birth of my daughter on XX/XX/XXXX. Ever other bill was sent in a timely manor and paid by us in a timely manor ( anesthesia, pediatrics, etc ). As I continued to wait 6+ months for my bill I received a phone call from a collection agency. I reached out to XXXX XXXX and after being hung up on and transferred incorrectly, I was finally given a contact. She corrected their mistake and pulled the collection back. I started an auto draft monthly payment agreement with their servicer. Today ( 5 months of making payments on time including my last draft on XX/XX/19 ) I received a letter from medicredit that XXXX XXXX has send my account to collections AGAIN when I am in good standing making the agreed upon payments. I tried to reach out to the same contact as before and am getting my email kicked back. They are incorrectly sending accounts to collection and not sending bills. This happens to multiple people I know and has to stop. Having a collection account could cause me to lose my job. I do not have any account in collections and always pay my bills ok time.

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 2018-01-07
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice that this Company was added to me credit report, I had never heard of them before so I contacted them and asked for them to validate the debt.I have repeatedly wrote letters to them, i also sent a Certified letter too and it was returned to me because the address they gave me was incorrect, so I looked up another one re- sent it, I think they are committing fraud. They have not provided and services or goods to so why do I have to pay them money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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 disputed the account for XXXX XXXX  - XXXX XXXX XXXX XXXX it shows as open and I'm currently late. The account was closed and sold in XXXX or XXXX. I paid the new company in full in XX/XX/XXXX. Both the company and the credit reporting agencies ( XXXX  and Transunion ) continue to report inaccurate information, even after I've provided them with the correct and updated information. XXXX XXXX XXXX, XXXX provided me a letter stating, the account has been sold, but they continue to update with erroneous information. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX Paid XXXX XXXX XXXX XXXX XXXX XXXX account was sold to ) in XX/XX/XXXX Notified XXXX, Transunion , and XXXX  XXXX XXXX in XX/XX/XXXX and again XX/XX/XXXX to correct credit report. 
XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX updated erroneous information 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 non-monetary relief