BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2021 and XX/XX/2021 Navy Feder credit union removed $ XXXX from my personal checking account without authorization or prior notice. I have a third party handling settlements with NFCU. This is a poor practice and automatic drafts should not be made without the account holders knowledge. These funds were part of the most recent economic stimulus package and should not have been taken by NFCU. I have contacted NfCU and was placed on hold for nearly an hour after being passed from person to person to try and resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have been having several issues with TransUnion and reporting out dated information. I have disputed with them on several occasions to no avail. I am hoping your company can possible intervene and help me get this resolved. I have done extensive research on credit reporting and how long something is allowed to stay on one 's credit file and all research indicated that the statue of limitations is 7 years from when an account first becomes delinquent and never again went current. For whatever reason TransUnion is the only credit reporting company that shows the old debts. I have attached a copy of some of the debts that TransUnion insist on reporting and indicating the year they are to be removed goes past the statue. They report one of the accounts twice! XXXX XXXX  XXXX XXXX aka XXXX XXXX XXXX account number XXXX shows twice yet it was actually charged off over 8 years ago. There was only 1 account ever with XXXX XXXX and again that was over many years. The other one started with XXXX  XXXX XXXX and the first missed payment wasXX/XX/XXXX then they transfered it to XXXX XXXX   who transferred it to XXXX XXXX. None of the accounts should be reporting on credit, all are past the statue of limitations.

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 2021-04-12
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: Information belongs to someone else

Complaint:
Its my second attempt to ask for your help as I have fake accounts in my profile. I do not know these accounts and I do not recognize them They are not mine. Please delete them finally otherwise I will keep writing to you every month as I can not move on in my life financially. Its killing my plans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

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 2017-12-05
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
To whom this may concern, *PLEASE ESCALATE THIS ISSUE TO CFPB OFFICERS AND LAW ENFORCEMENT OFFICIALS WHO DEAL WITH AML/BSA/MONEY LAUNDERING ISSUES* The attached documents are a series of money transfer documents that shows Western Union is and has been : 1. ) Failing its duty to reject suspicious transfers. 
2. ) Structuring transactions for customers to avoid red flags. 
3. ) Allowing multiple senders to send a series of transaction ( on the same day and often within minutes of eachother ) to avoid red flags. 
4. ) Allowing transactions to be received via a fake identification document ( with clearly fake names ) or accepting kick-backs for falsely verifying a money pickup without actually seeing a true identification document. 
5. ) Etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I subscribed with Experian and after 1 month I ccancelled my subscription. They keep charging against the credit card I initially provided them. I have tried repeatedly to contact them but I am kept on hold over an hour and a half with no response. No ability to leave a message or callback. I have tried online unsuccessfully and the same thing of unheard of no response phone wait. I want my subscription with EXPERIAN cancelled immediately and my credit card refunded each monthly fee other than the 1 month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a new mortgage in XXXX. Several checks were issued from the cash out refi to pay off debts. As of today, XX/XX/XXXX, I contacted Rocket Mortgage regarding one of the check that was issued in the amount of {$2800.00} to XXXX/XXXX. I sent the payment to this company on XX/XX/XXXX. After much investigation they said it was returned from their bank as it needed to be issued to : XXXX  - XXXX XXXX XXXX, or preferably sent electronically. I contacted Rocket and spoke to many people including XXXX  via chat who stated they will not change how the check was issued. I asked them to contact the company even to verify and they will not. I said so basically Rocket will not pay me or the company correctly yet I am supposed to pay on this mortgage for funds that were not actually disbursed. I was disconnected without any further help. What am I supposed to do now??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Called the servicer to inquire about why PMI had not dropped off the loan, was told I meet all three checkmarks for the requirement but received two notices stating not eligible.

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 2018-07-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The Priority Pass benefit that Chase offers on their Reserve card is TRASH and the customer service for it is TRASH. I called to do something very simple : add my digital card to my profile. The person I spoke with ( who I could barely understand ) refused to add the card to my profile, demanding that I create a new one. I told him that I didnt want to do this, so he should delete my other profiles first and re-create them. He starts spewing LIES about GDPR saying that it requires them to wait 30 days to delete information, which is incorrect. The man was horrible and the customer service I got from Priority Pass consisted of nothing but moronic lies. This service is a scam and Chase has the obligation to ensure their offering works correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: DISCOVER BANK
State: OH
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:
Discover Card needs to 1. Delete any and all negative information that they posted on my account and/or in my credit file. 
2. Delete all charges posted by XXXX and/or Discover Card. 
3. Send me a letter that this has been taken care of as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: GA
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 recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX {$1400.00} DPT EDXXXX XXXX {$7000.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX XXXX {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We receive 2-3 calls from " Credence '' daily - sometimes the calls start before XXXX XXXX, and the latest was received after XXXX XXXX The calls go to our land line, which we never answer unless it's someone we know. I finally looked up Credence online, trying to figure out where that city was, but in doing so, I found out that it is a collection company with a history of scamming people. We have NO debts or outstanding bills. Credence never leaves a message, so we KNOW it's a scam. Please put a stop to this annoying harassment and put these scammers out of business!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are 2 accounts that are inaccurately reporting on my credit report with Transunion one is with XXXX on Transunion and the other is with XXXX XXXX on Trans, these accounts are not showing on my XXXX  report or XXXX  anymore. I have written them several times and sent them my police report but they still have not removed this account. 
I just want these accounts deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, I moved from XXXX XXXX, CA to XXXX, CA, to follow my Wife for her XXXX program, and as such had to cancel my XXXX  internet service. This was early XXXX of of last year. They said I was due to be charged one final time on XX/XX/XXXX, through XXXX. I was charged successfully. It was my understanding my account was settled. 

However, a few months later I suddenly realized that there was a collection for {$120.00} on my credit report. After digging, I realized this was due to unreturned equipment. 

I had not been given any email notification, text notification, nor letter of any kind. No communication at all to inform me of my balance being due. I would have gladly paid immediately, or returned the equipment, if I had been reached out to. 

My address had changed ( as I had informed XXXX  several times due to me moving out of their service area ). XXXX knew this, and yet did not make any good faith attempts to reach out to me despite knowing that the address starting with XXXX was no longer my mailing address. I even had USPS mail forwarding setup, and never received a letter from them. There was no way for me to resolve this when I gladly would have, had I known about it. 

They moved straight to reporting a debt on my credit. I have since returned the equipment successfully to them ( documents attached below ), after talking with a XXXX agent over the phone and confirming I still could, however, there is now still a {$120.00} blemish on my report, despite my equipment being returned. I am looking to buy my first home and this is really making me struggle to qualify, as it dropped my credit score from XXXX down to XXXX. 

Please, if anyone is reading this, I need help. I want to make things right with XXXX, but I feel cheated, as I was never even offered a chance to settle things correctly, nor given notice or opportunity to pay them what they were due, in lieu of returning the internet equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/18 I XXXX XXXX sent demanded letter to Select Portfolio Services inc demand to see the mortgage note, therefore, request under the statue that you provide the note wet ink in its present condition for our viewing till you provide evidence that you are agent of the note owner that is party legally being the person entitled to enforce under MGL chapter 106 the statutory version of the uniform commercial code Select Portfolio told us if we want to see the note we have to buy airline ticket to XXXX XXXX XXXX Ut All we demand so that we may schedule for our expert to view the wet ink note please assist us in any way you can resolve these issues

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: EQUIFAX, INC.
State: MN
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 have attempted to dispute and contact Equifax. These are fraudulent inquiries. The following companies are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Experian Information Solutions Inc.
State: AR
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 recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX  XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX  XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXXand have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.

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 2021-05-10
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is a charge on each monthly statement that shows {$7200.00} as being owed to Mr Cooper but they can only explain about XXXX of it which I disagree with. They tell me the rest is from before they took over in XXXX so they dont know what it is but refuse to remove it from my account. I can only see back to XXXX on my online account access. This {$7200.00} shows back to then and I dont know how much further back. The figure has not changed. I have done their online messages and numerous phone calls over the years and still can not get any satisfaction. They have my interest rate at 7.625 % and each time I try to refinance to a lesser rate they tell me I dont qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XXXX i filed a complaint with Banana Republics CC regarding being charged for a few orders that were not delivered and state and state on their website that the orders were not delivered and retuned back to sender. This has been going on for months and to date they have credited one of the orders, but still owe me a credit for {$98.00}. 

The order shipped via XXXX on clearly state on the website that it was returned to the Sender.

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 2018-06-05
Company: WESTERN UNION COMPANY, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
In the last 2 weeks I attempted to send money to XXXX to a friend of my mothers because my mother is in hospital. The information was missing the middle name. I called to add it and have been told the system had errors and offered a refund. I ended up sending it to my mother in her name. We had an ambulance service take her to a payout location. The information is correct because in the past I have sent her money. Today she was taken to retrieve it and the payout location told her the information was correct, that her middle name was showing as her last name. I sent the confirmation ( MTC ) to her to show the name is correct. In calling western union, they could not offer a reason and would not help further resolving the issue and again offered to cancel the transaction and refund. This will be the 3rd time they would have had to cancel the refund. Now my mother is unable to pick up the money without scheduling another ambulance ride to western union pickup location. I repeat, the information matches her ID exactly and they would not get her the money ... In the last few months, western union has given my conflicting information that does not match from one representative to another.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Equifax keeps disputing my XXXX account for no reason at all. 
They are intentionally disputing this account without my permission. 
I want Equifax to STOP disputing my XXXX card account and notify XXXX of the error they are making. This is the third time Equifax has disputed my account for NO REASON AT ALL.

Company response to consumer: Closed with explanation