BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid off my closed credit card on XX/XX/XXXX via a real estate settlement check. 

On XX/XX/XXXX I noticed online that the payoff was an overage in the amount of {$160.00}. Therefore I request NFCU to transfer the overage to my checking account. The response was that there will be a " 14-day hold '' on the credit balance, AND that interest would be charged. This is the response : " Please keep in mind that balance transfer interest is charged from the date of the transfer until the balance transfer is paid in full. Interest will be charged for the balance transfer balance from XX/XX/XXXX through XX/XX/XXXX on XX/XX/XXXX when your next statement is issued. '' My request had nothing to do with credit card balance transfers! The credit card was a NFCU credit card that was closed years ago. The payoff was more than was due so there was an overage. I only wanted the overage credited to my checking account. As of today the overage minus their interest charge remains on a closed credit card account. 

On XX/XX/XXXX an interest charge of {$25.00} was debited from the credit card overage! This was interest for an account with a {$0.00} balance as of XX/XX/XXXX. 

Furthermore, a new request for the transfer of the overage to my checking account had to be made after XXXX. I was not going to make a new request since the full amount of the overage had been debited for a {$0.00} balance. As of this date the " reduced '' overage remains in the credit card account.

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 2019-08-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent my granddaughter XXXX euros on XX/XX/XXXX. she's locked out of the account and can not retrieve the monies. the money sets in a locked account. no one will help and my granddaughter opened the account as a minor but gave false information, so, she doesn't remember any of it. 
XX/XX/XXXX I accidentally sent XXXX euros to my grandsons old account. there was no opportunity to reverse it. now i'm stuck with the same problem. he has no way to access the account. 
so paypal is sitting on XXXX euros and I can't have it back and they can't access it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery is the name of the collection agency. the debt from this company has already been charged-off / written off and this collection agency keeps trying to collect on this time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a loan process with Caliber Homes the Loan officer was XXXX XXXX. The start of this loan was in XXXX, and he has delayed in correspondence as well as communication. I was due to close 5 different times, each time Mr. XXXX had a different answer. He also seems to be very Bias towards making the loan happen. He continuously sends me emails each time with the same questions. I have reported him to his company, he seems to be accusing me of not be a hard-working XXXX XXXX woman. He seems to not believe that someone can actually get up and go to work each day not working one, not two but three jobs. He has accused me of acquiring funds in an unlawful manner. He has not been honest with me, and I am about to loose the sale of this home as the seller has waited 4 months for Mr. XXXX who appears to be giving us the runaround. He has shown no discretion in my loan. He has contacted every employer at my firm as if I was lying about my employment and my income. I have been more than fourth coming with all of my finances and still, he seems to be showing me a lot of XXXX. I have written formal letters and still, he finds a reason why I shouldn't be a homeowner. I am so upset at this point and would like to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CITIBANK, N.A.
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: Problem with customer service

Complaint:
On Sunday, XX/XX/XXXX, I called Citibank Online Support to link my wife 's CitiAdvantage card to our joint checking account to activate auto-pay and paperless billing, which I had already done with my CitiAdvantage card. I gave the young lady all the info requested. She said something about sending my wife a new card. I found this unusual but figured she knew what she was doing. Following the conversation I received an email confirming that my wife was added to my credit card account as an additional authorized user. I immediately called back and spoke to another individual which cancelled that action and connected me to someone else who immediately handled my original request, something she was not equipped to do. Today, XX/XX/XXXX, I called again to confirm that no cards were being sent to me. Before I could speak to someone I heard a recording saying a card was in the mail. When I finally reached a person again I asked about this and was told it was a replacement card in my name. I cancelled that and asked for a confirmation email, something I had neglected to do with my second phone call. I was told I would be receiving it shortly. As of this moment I have received nothing and fully expect to receive that replacement card in the mail.

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 2020-12-08
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld sys INCXXXX is reporting a debt on my credit report as a medical debt owed to them. I have never done any business with Transworld sys inc. I would like this removed from my credit report. Reporting medical information on my report violates my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2018-10-17
Company: Credit Karma, LLC
State: DC
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:
Hello. 

I'm trying to get my credit report but it displaying an error message saying that my personal information are incorrect. 
My social number is correct, maybe some is incorrect in my name once I'm a foreign. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: MS
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: WELLS FARGO & COMPANY
State: TX
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 was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on 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 2018-07-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Rented an apartment for one year at " XXXX XXXX '' in XXXX, Texas. Vacated the apartment on XX/XX/2017. The apartment was in clean and rentable condition upon moving out. Five months later, I receive a collection notice from XXXX XXXX, a collection agency acting on behalf of " XXXX XXXX ''. In that collection notice, they state {$660.00} owed them for ; two full apartment cleanings, one for {$75.00} another for {$81.00}, water/sewer/trash totaling {$120.00}, these charges were already included in the last month 's rent, {$50.00} for refrigerator clean ( was cleaned prior to moving out ), pest reimbursement for {$5.00}, Utility admin fee of {$3.00}, couch removable for {$200.00} and on and on. 
I worked with the collection agency, they even stated this was a bit unusual, especially five months after the fact. 
In working with the collection agency, I came o find that I was charged a {$200.00} pet deposit and {$10.00} per month pet fee, I never had a pet in the apartment. Additionally, they never refunded my {$250.00} deposit, this totals {$570.00}. No one mentions these cost in the collection notice. 
I am in process of moving and find that XXXX, the tenant screening company has this issue listed on my credit report and I have been denied housing. I tried to work with XXXX and sent them papers that I sent to the collection agency to resolve this issue. I received a do-not-reply email from XXXX stating they can not ever change the credit reporting status. I find it bordering on slander and liable that a credit reporting agency such as XXXX, who does work for the apartment complex 's is unwilling to resolve this issue. Trying to call and converse with them is almost impossible and they never return a call, only the do-not-reply email correspondence. 
The XXXX  lists many complaints against XXXX, many people with the same issues as myself, nothing seems to get resolved. 
I need your assistance in resolving this 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 non-monetary relief
Consumer complaint received 2021-05-03
Company: WELLS FARGO & COMPANY
State: NC
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:
I have reviewed a copy of my credit report and I show company WFDS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2019-08-13
Company: TCF FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
During the month of XX/XX/XXXX, several fraudulent charges hit my account from XXXX See attached.

I reported these charges as fraudulent and received a provisional credit. Several months later, the provisional credit was reversed without any explanation. When I called and spoke with TCF Bank security department, I was told that the merchant provided a copy of the transaction as it appeared from their end. I explained to XXXX  (? ) that a receipt for a fraudulent transaction does not make is any less fraudulent as that is not proof I authorized or benefited from the charge. She fumbled with her words and failed to add any logical reasoning and referred to TCF policy that simply having the vendor respond is proof enough. This is absurd.

Here is the statement from the TCF Bank website on Identity-Protection which does not match their actual practices : We provide zero fraud liability.

Consumers are not held responsible for fraudulent charges made from your account. Consumers must notify us within 60 days after we send you a statement on which the unauthorized use first appears. Certain conditions and limitations may apply.

Unfortunately, your security department is not protecting your customers and instead protecting merchants. I am disappointed because of the basis of the decision and I was wrongly billed for services I never received.

To resolve the problem, I would appreciate your company reversing the fraudulent charges. Enclosed are copies of my records. Ive copied this message to all consumer protection and banking regulation establishments in order to facilitate the process and help you produce better safeguards to protect your customers. Im also seeking an investigation into TCF Bank procedures as I can only imagine the other families that have struggled through this nightmare.

I look forward to your reply and a resolution to my problem before seeking help from additional agencies or council.

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 2023-09-24
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It's an old account from XXXX at that time balance was XXXX now they say it wasn't paid off and a different addresses and a different balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Grain Technology, Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
The company wont let me withdraw from my credit line even though I pay an annual {$80.00} dollar fee. They keep claiming it is a banking connection issue but this has been going on for several months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Nelnet, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a loan from this company on my credit report, and I have never gotten a loan from them. I believe it is identity theft. I contacted them by phone 3 times. The first time they gave me a number to a sales company. The second time they hung up on me when I told them this was not my account. The third time they hung up on me when I requested proof of the loan in my name, as I have never gotten a loan. I called a 4th time and couldnt get through to anyone. I disputed this on my credit report, and they verified it is mine. So I am trying to get all the proof I can of this loan so I can dispute again, and file for identity theft. I will be filing a police report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Accelerated Financial Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2016 I made a purchase through XXXX at XXXX for a cash price of {$320.00}. I made all the payments however my name has been sent to a collection agency accelerated financial SO for {$660.00} original creditor XXXX , XXXX. This account is showing on my credit report and I have received calls from the debt collection company. I explained to the debt collector that the bill was paid however the company states and have reported this debt.

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 2021-10-06
Company: Incomm Holdings Inc.
State: FL
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:
On XX/XX/21 I bought a prepaid debit Visa card labeled Vanilla Gift card # XXXX XXXX XXXX XXXX at XXXX XXXX for XXXX and paid XXXX to activate it. My son used the card to buy some things and had a XXXX balance. When he tried to buy a video game w card, there was a XXXX balance. Someone stole the XXXX and bought something at merchant XXXX  XXXX. The card is distributed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX. I filed a dispute with XXXX who stated it takes up to 90 days to do an investigation. I think this is an excessively long time as this was supposed to be a Visa card. I would appreciate any help recovering the stolen funds. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-04-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
At least a Toyota XXXX through Toyota financial services. The vehicle was totaled by a party that unfortunately was shot and killed by police. Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through XXXX, XXXX XXXX, XXXX, and Toyota on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. Toyota never responded at all. I sent out certified letters, requesting all information and regard to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Payoff process

Complaint:
There was promotional value of 0 % interest for 12 months on the Sears Credit card. The original balance was a little less then {$700.00} and to this date, we have paid over {$750.00} towards this balance. We made other purchases after but were making payments that were suppose to go to the original promotional balance. After calling the company direct, we were told that the payments were going to the full balance instead of the promotional value and that you need to call and set up a separate payment to go towards that. We have a {$100.00} set up as autopay that should go towards the promotional value, but instead they have been using it towards the whole balance instead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Someone keeps trying to open an account under my name at chase bank and they said they would investigate it this was 2 months ago and the same issue keeps happening.

Company response to consumer: Closed with non-monetary relief