BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been a victim of fraud, as well as money being stolen out my account due to no account security and bank failure to deactivate bank card after activation of a new card due to first one being lost

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is in regard to a Navy Federal Credit Union account. I noticed that the bank in question has been garnishing federal benefits do to a unsettled debt. The funds in question were derived from federal student aid that is deposited into my account from the institution that I am attending, XXXX XXXX. The specific amounts were {$700.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. When I infomed Navy Federal about the mistake on their end in regard to garnishing federally protected benefits, the bank refused to refund my XXXX XXXX XXXX that had been deposited into my account and attempted to set my account on an automatic withdraw schedule in order to obtain a partial refund. This was the response from the representative of Navy Federal Credit Union that I spoke with on XX/XX/XXXX. I also informed the banking insitution that I could not setup an automatic withdraw schedule since I am currently not working due to a verified 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 2017-09-12
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:
I am disputing the collection account XXXX and account number XXXX which they show as being openedXX/XX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXX in the FCRA Compliance Date. Please delete this account immediately. 

This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and

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 2023-12-14
Company: MOHELA
State: TN
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 am in the post action class for borrower defense forgiveness of my loans from XXXX XXXX. MOHELA keeps telling me that Department of Education has not provided them with information to defer my payments because my loan will be forgiven. I have contacted Dept of Ed and they have sent the form twice but MoHELA says they do not have it. Dept of Ed told me to ask for deferment and mohela said they could not defer my payments without something from Dept of Ed. I feel I am getting the run around and can not get a straight answer. Neither side seems to know what to do or what is going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: JPMORGAN CHASE & CO.
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:
Dispute case number XXXX Merchant : XXXX Amount : {$670.00} Transaction Date : XX/XX/2019 I filed a dispute with JB Morgan Chase Bank for this charge on XX/XX/2019 ; Reason code : Merchandise/Service not received. The charge was for a flight ticket that was canceled by XXXX for engine malfunction reasons, this flight never departed the airport and I didnt receive any compensation from XXXX. 

XX/XX/2019, Chase posted a letter to my online banking account stating the following : We contacted the merchant to discuss the disputed transaction ( s ). The merchant sent us information showing why they believe the charge ( s ) is valid. We sent the information to you in a letter and asked if you wanted to continue the dispute ( s ). We reviewed the information available and found that you either received the services or the merchant made them available for your use. 

I sent Chase secured message requesting a copy of the documents they received by XXXX. I also mentioned that I didnt receive any communication or letters from them regarding this case as they claimed. 

XX/XX/2019, Chase opened a new dispute for this charge ; case number XXXX XX/XX/2019, Chase posted a letter to my online banking account stating the following : While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. 

XX/XX/2019, I sent Chase a secured message requesting the documents they received by XXXX and pointed out that the dispute reason code is not for billing error but for Merchandise/Service not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: MOHELA
State: IL
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:
MOHELA does not include the amount of interest due on loans on it's website 's payment page. It shows up like this : Loan Type XXXX Principal Balance ( $ ) XXXX Interest Rate ( % ) XXXX Next Payment Date XXXX # Days Past Due XXXX  Past Due Amount ( $ ) XXXX Current Due Amount ( $ ) XXXX I attempted to payoff one of my loans in full not realizing this crucial information was missing. When I logged in a few days later I was surprised to discover I still had a balance that was accruing interest. 

I called in to their support team yesterday on XX/XX/23 at XXXX XXXX, waited on hold for between XXXX minutes, and finally spoke to two representatives. The first was in training and needed to transfer me to a more experienced rep. The more experienced rep said she would attempt to write off the remaining balance by filing an internal request. I sent a follow-up email complaining and requesting an update on that internal request, but have not received a response. 

Even if they write off the remaining balance, it does not change the fact that I can't tell on the payment page how much money I actually owe. The support representative I spoke with mentioned that I was not the first person to call about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Nelnet, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Formal Complaint Regarding Inaccurate Accounts on My Credit Report I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : Department of Education XXXX XXXX XXXX DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Accounts on My Credit Report Dear Department of Education Loan Servicing Center , I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : Account Number : Reported balance {$1500.00} Actual payment amount Date of last payment XX/XX/2023 Account Number : DEPT OF ED/NELNET XXXX XXXX balance {$850.00} Account Number : DEPT OF ED/NELNET XXXX Reported balance {$6700.00} XX/XX/2023 XX/XX/2023 DEPT OF ED/NELNET XXXX Reported balance {$3700.00} XX/XX/2023 I strongly believe that I am a victim of identity theft, as I have not opened or authorized these accounts. The presence of these inaccurate entries is causing severe distress and negatively impacting my creditworthiness. 

Steps I Have Taken So Far : I have filed a police report with Identity Theft.gov to report the identity theft. 
I have contacted Nelnet, the loan servicer associated with these accounts, to dispute their legitimacy. 
Despite these actions, the inaccurate information persists on my credit report, affecting my ability to secure credit, loans, and other financial services. 

I kindly request the Department of Education Loan Servicing Center to : Conduct a thorough investigation into the accounts listed above. 
Provide me with a detailed explanation of the origin and legitimacy of these accounts. 
Take immediate corrective action to remove these inaccuracies from my credit report. 
Provide written confirmation once the corrective actions have been taken. 
I understand the seriousness of identity theft, and I am taking all necessary steps to rectify the situation. Your prompt attention to this matter is crucial in restoring the accuracy of my credit report and alleviating the undue stress caused by these inaccuracies. 

I appreciate your cooperation in resolving this matter and expect a timely and satisfactory resolution. If there are any additional forms or documentation required from my end, please do not hesitate to inform me. 

Thank you for your immediate attention to this pressing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to submit a complaint against Citi Bank, detailing a series of issues that have arisen since I opened my checking account. Despite my persistent efforts to resolve these matters, I have encountered unresponsiveness and unprofessional behavior from various bank support teams. Below is a comprehensive breakdown of the events : Debit Card and PIN Issue : Upon receiving my debit card, I noticed that the accompanying PIN was missing, rendering the card inoperative. I've reached out to several departments within Citibank, but none have managed to resolve this issue. 

Contact with Online Support : While attempting to resolve this matter online, I waited XXXX to XXXX minutes for the agent to send a verification code, only to be logged out due to inactivity. Subsequently, the support team failed to follow up. 

Contact with Executive Response Team ( Case # XXXX ) : An analyst suggested ordering a new PIN and debit card, promising delivery by XX/XX/XXXX. Regrettably, the items never arrived, and the agent closed the case at the end of the initial call without waiting for confirmation of receipt, leaving the problem unresolved. 

Contact with Executive Response Team ( Case # XXXX ) : In a similar vein, an analyst proposed a solution involving a new PIN set to arrive by XX/XX/XXXX. The PIN never arrived, and the case was abruptly closed at the end of the initial call. Compounding my frustration, the agent unjustly blamed me for following up and arrogantly insisted that I should contact regular customer support because he had ordered me to do so. This directive was all the more unreasonable given that he himself was unable to locate the PIN. 

Video Appointment with XXXX, XXXX Area Banker ( Banker name : XXXXXXXX XXXX ) : I scheduled a video appointment with a local Citi banker, but the banker failed to appear, intensifying my concerns. 

Additional Concern - Floating Debit Card : The executive response unit issued a request for a duplicate debit card, yet no one within the unit seems aware of its whereabouts. This lapse has created a perilous situation where an active debit card is unaccounted for, significantly jeopardizing the security of my account. 

In light of these continual failures, my concern for my account 's safety has grown, compounded by the disheartening lack of support from Citi Bank. I earnestly request the CFPB to investigate these matters and work towards an expedient resolution. The uncertainty surrounding the location of my debit card and PIN, neither of which are in my possession, leaves me fearful that my account may be compromised if they fall into the wrong hands. 

Thank you for your immediate attention to this serious matter.

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 2023-08-07
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX my identity was stolen and apart of many data breaches. I made a police report online as I didnt know who stole my identity. XXXX XXXX stole my identity and I put out a police report in XXXX with XXXX. I live 85 % of the time in my home country of XXXX and sent all info to MAS financial services. I asked them to verify me in the account. They sent BLACK AND WHITE PHOTO OF someone that was not me. That is NOT my signature and the reported balance is {$9900.00} These are fraudulent statements and as per the fair credit reporting act, it is my right to request an investigation into any items on my consumer credit file that I feel are inaccurate. It is my understanding that you will investigate these items for accuracy within 30 business days and send me the results. Please send COLOR PHOTO IDENTIFICATION OF ME. And I have rent receipts and tax returns stating I live in XXXX 85 % of the time. To which I was NOT in America and NOT served for court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Sovereign Lending Group, Incorporated
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sovereign Landing Group Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX I am refinancing my house with Sovereign Landing Group Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX Yesterday Monday XX/XX/XXXX at XXXX XXXX Sovereign sent an appraisal name XXXX XXXX his address XXXX XXXX XXXX XXXX, MD XXXX to appraise my house, XXXX XXXX was very rude man and has no customer services skills every time I was talking to him he ignored me and did not want to talk back, I felt that he was prejudice toward me because I am speaking with forging accident, and XXXX XXXX was in my house around only 7 minutes for 2500 sqf big house to do appraisal and he was out side for maybe less than 5 minutes and I was surprised by finishing my house appraisal for less than 24 hours and usually big house like my house it should take 2 to 3 days to study and give right appraisal, I feel XXXX XXXX was not fare with appraisal my house for his personal reasons he appraise my house for only $ XXXX, and I have a copy of my pervious appraisal on XX/XX/XXXX that my house was appraise for {$560.00} and in XXXX area houses goes up in prices every month my house is worth at least $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2021-10-29
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
super rude, they charge me 5 times the payment that I had to pay and dont want to give me my money back, they told me that its my fault and they cant do anything about it. 

XXXX XXXX XXXX told me to go XXXX  my self and then hung up

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
American Express is incorrectly reporting me as an Authorized User on the AMEX partial account number XXXX and AMEX partial account number XXXX. I did not give permission to be added as an Authorized User on these accounts and I respectfully request that I be removed. I have contacted American Express directly to have me removed from these accounts, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed information on my credit file and they decreased my score my 16 points. That's impossible because i paid down on everything by 30 %. Score should be higher not lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: BARCLAYS BANK DELAWARE
State: TX
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 filed a dispute for {$32.00} ( original transaction was {$64.00} ) with Barclays on my XXXX  Visa card. The dispute team looked at the wrong refund ( {$55.00} ) and mistakenly assumed that this refund matched the {$32.00} refund. I've called and asked them to reverse the rebill amount and they said the only way to re-open the dispute was to send them a hard-copy letter stating I wished to re-open the dispute. 

My user agreement rights states that IF HARDCOPY LETTERS ARE NOT POSSIBLE FOR YOU, PLEASE CALL THE NUMBER ON THE BACK OF YOUR CARD AND WE WILL HELP YOU. I've called that number but the ONLY way for users to reach the dispute department is through letters. There is no way to email or call them which is insane and incredibly limits how they can be contacted when the dispute department has messed up their job and mistakenly closed a dispute. 

I am now missing {$32.00} that should rightfully have been refunded to me because of their mistake.

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