BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX i lost my phone at XXXX XXXX at which time i notified the authorities. Next day upon checking my checking account i noticed money was transferred to some one in XXXX  to the tune of XXXX. I immediately asked my bank Navy Federal to stop the transactions to only be told that it was a transaction done from sum bank app service offered by Navy Federal but seperate from Navy Federal Bank and that the transaction had to go thru first then a fraud dispute could be placed to recieve my money back. It is now 8 months later an i have been repeatedly denied my XXXX that the police report states that Navy Federal made me go pick up to only deny me of my own money again. Now they say because transactions were done from the historical device i would have to sue to recieve my own XXXX back even thou Navy Federal allowed this theft to go on and did nothing to stop it. I am demanding that Navy Federal give me back my money that they allowed to be taken without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Experian Information Solutions Inc.
State: MA
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 a veteran who was being treated at the XXXX XXXX XXXX XXXX in XXXX, Massachusetts ; the VA found it necessary to transfer me to a private hospital. The VA called XXXX XXXX XXXX XXXX XXXX to transport me to XXXX XXXX in XXXX, less than 4 miles away I will add, and apparently XXXX charged {$4300.00} for that ride ( I ought to challenge the outrageous bill as well, as no medical services were rendered, merely a 3.7 mile ride ). The VA covered my hospital stay, and should have covered my ambulance ride. XXXX XXXX XXXX ought to have billed the Dept. of Veterans Affairs ; notwithstanding, the VA is responsible for this bill, not me. 
Meanwhile, it has gone into Collections via XXXX XXXX XXXX - XXXX XXXX   XXXX XXXX  XXXX - XXXX, MA XXXX XXXX for {$4300.00}.

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 2020-11-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good afternoon .. back in 2016. I deposited XXXX with Suntrust Banking Still havent received a Bank debit card from Suntrust Banking.. Someone was able to activate my bank card and transferred XXXX, XXXX from my account : XXXX to Mr XXXX XXXX XXXX I wrote Suntrust Bank XXXX spoke on the phone with XXXX XXXX. Executive Services XXXX XXXX ( XXXX. XXXX XXXX XXXX XXXX XXXX me it was a joint account.. I have a receipt from Suntrust from 2016 from customer Services with my balance information Balance.. Legal Disclaimer individual account Thanks XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX ) cell

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 2019-06-09
Company: Experian Information Solutions 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:
Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-09
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have several listings of debts have been paid and company refuses to remove them from my credit report which is hindering my credit rebuilding process and wont allow my credit score to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company transworlds systems inc/XXXX has reported derogatory account 3 times on my credit in the same month. I called them and told them they could not report 3 times in one month on my credit, and they said they had no control over it because it was an automated system, which means they know what they are doing is wrong but are blaming it on the a computer program to say its not their fault. Yet the program is controlled by them, which is means they have direct control of when and how many times it reports. I am fine with the one time but they then lied to me saying it wont hurt my credit yet they are reporting 3 times which directly does effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am still being affected by Covid 19, and I can not afford to make this payment still. I need another payment waiver until I go back to work. I thought this wasnt supposed to be do yet. But I need another waiver.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2018-04-05
Company: Experian Information Solutions Inc.
State: VA
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 am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, XXXX and Experian ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2020, I purchased an item from XXXX. I paid for the item with my debit card via the merchants XXXX account. Because the item was shipped from over-seas, it took some weeks to receive, then I needed to purchase specific batteries for the item which took another week. After getting the batteries, the item did not work. 

I contacted them company listed inside the box in reference to returns or other issues. After about 30 minutes, they denied even selling me the item! Even though I gave them the order number and the email that THEY sent a confirmation of the order too! I also contacted XXXX who after about 4 days of messages back and forth, told me to contact my bank because they could NOT find the transaction either, so ... We contacted our bank, CapitalOne. The story gets worse from here. 

Fast forward to today ... CapitalOne has informed us that the case is closed, DENIED and in no uncertain terms, accused of us being LIARS about this whole issue! Capital One has told us the only way we can get a reversal is to " have the third party send to them on their letterhead that they sold us an item that was broken ''. WHAT? They wouldn't acknowledge the sale, you think they'd admit they sold us a broken item? 

To be clear, we sent in EVERYTHING to prove everything we was contending. Proof of purchase, proof of contact and our due diligence, and contacting XXXX and following their instructions. CapitalOne has literally forgot about their responsibility of consumer protections!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: EQUIFAX, INC.
State: HI
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 have five years of credit history and when I apply for financing for a motorcycle recently it shows on equifax I have no credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: WILLOW BEND MORTGAGE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I started my loan application in XX/XX/2019 with a company called XXXX XXXX. They transferred to Willow bend mortgage during the loan process on my file. The entire process was not professional and it took me calling the main contact XXXX XXXX XXXX times without no response back A WEEK BEFORE CLOSING. XXXX XXXX, loan officer and XXXX XXXX, neither of them gave me the decency to talk to me about my loan. They did not care about what I was going thru because of their non communication. I had to find the name of willow bend mortgage on the internet and realized that XXXX XXXX is not even affiliated with them which made me even more confused. Finally I was able to talk to the operations director XXXX XXXX and she had the time to talk to me to help me - sad nobody else could help me to answer my questions!!!!!! and ended up closing the loan and I closed on it last week. I have never been so disgusted in my life of how this company treated me in the merging of companies. Not only am I at risk for loosing my job from missing days fro. Work thinking I would be closing but the stress this has caused for me and my family is something that has LITERALLY scarred me. People need to be aware of this. The breakdown I had from this has pushed me into a XXXX. All because I wanted my own dream home. Never again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 XXXXXXXX XXXX received a letter from me addressing the fact that they were in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I sent subsequent letters to XXXXXXXX XXXX on XX/XX/2020 and XX/XX/2020 both addressing the inaccuracies on my credit report. Although XXXXXXXX XXXX responded to one of my letters, they never advised the Credit Bureaus of my direct dispute to update the comment section on my account. The account has never stated that it was ever disputed as required by FCRA laws. I sent Transunion and XXXX documented evidence and a letter dated XX/XX/2020 notifying them of XXXXXXXX XXXX   violation of FCRA Section 623 ( a ) ( 3 ). Both companies did not take action and gave me no response to my dispute.

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 2021-02-12
Company: The Thomas Agency, Inc.
State: ME
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 disputed collection account, as this was to be paid for by the Department of Veterans Affaies, for ongoing XXXX treatment and its residuals.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-04
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I paid off this credit card in full and it still is showing in my credit report because it hasnt been removed in a timely manner. Now this is preventing from obtaining financing for a vehicle I would like to purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
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: Card was charged for something you did not purchase with the card

Complaint:
Several fraudulent charges were made to my credit card. The credit card company reversed most of the charges, but I have discovered another fraudulent charge on my statement. I have pointed it out to the company, but now I am getting the run-around : i.e. interminable times on hold on phone calls, calls ended by " our systems are down ... etc., transferring calls to the " fraud department '' that never get answered. They are not responsive, giving me the strong impression they are just trying to irritate me enough that I will give up. I am not the " give-up '' type.

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 2020-09-19
Company: Navient Solutions, LLC.
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 is missing that should be on the report

Complaint:
Navient, I have multiple loans through them dating back to beginning payments in 2008. In all fairness, I should absolutely receive credit for paid on time balances dating back to the actual loan originiation date. The last four digits of my social security number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: DISCOVER BANK
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This company has been deceptive from the beginning. no full disclosure, somehow knows confidential information. XX/XX/XXXX ... ... requested documents ... ... .. XX/XX/XXXX sent follow up ... .... Someone called and indicated we spoke on the XXXX after the XXXX ... ... .... Multiple phone calls after cease and desist verbage. XX/XX/XXXX spoke with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In the final months with Wells Fargo bank after speaking with several bank employees and managers overdraft protection kept charging my account {$35.00} for EVERY transaction whether it was {$1.00} or more. I asked for this feature to be removed several times to no avail. Also, the account kept allowing transactions after the bank was notified. No one tried to help me stop the cascade of fees and I returned my cards to the bank and closed my accounts. I still receive mail correspondence about fees that accumulated after I closed the account!

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 2019-06-09
Company: Innovis
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am reporting Innovis for violating the F.T.C. Fair Debt Reporting Act.title 623.In case # XXXX date XX/XX/2019 stated that my accounts on my credit report did not have any balances or past credit history on them.The following accounts with their ending account hold balances and all of them have status as charge off accounts is as follows ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX-balance {$650.00}. XXXX # XXXX-balance $ XXXX.XXXX # XXXX-balance $ XXXX.XXXX # XXXX-balance {$600.00}. have not done anything said that their would do.please correct this.you have the 1099-c forms on all those above account please do what you told the C.F.P.B. you said you would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number calls me on average 4 times a day. So far today, they have called me at XXXX, XXXX, and XXXX. This is ridiculous. There is no reason they should be calling 3 times in just over an hour. They need to leave a message instead of calling like this.

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 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion, today XX/XX/XXXX XXXX I was checking my XXXX XXXX Report I see account that should not be reporting because alleged account owners do not own accounts letter enclosed, also XXXX account is reported twice stolen card fraud was reported remove these account that you are double reporting on my credit report a very big violation and of my rights, also you show account that claim in collection { meaning the companies you are reporting dont own the account remove those to. IM SURE YOU DONT WANT TO GET CAUGHT UP IN CREDIT MANIPLATING IN A COURT CASE

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