BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a settlement offer from Navy Federal to pay off half of my {$12000.00} credit card debt. The settlement said If I paid half, my debt will be considered paid in full. I paid {$6500.00} to Navy Federal on X/X/2017 and since then I have not received any more communication from Navy Federal stating my debt has been paid in full.
The balance still shows up on my account when I log in with a 24 days past due collection sign for minimum payment of {$30.00}.
I have attempted several times to reach out to Navy Federal but no one seems to know what 's happening.
I am hoping this was n't a new debt collection tactics and that my settlement contract offer is genuine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: FL
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: Problem with personal statement of dispute

Complaint:
Wells Fargo Credit Card and Loan Services is horrible. I pulled my credit report and seen there was a balance from Wells Fargo Bank. I immediately contacted the company and they asked what am I able to pay. Due to my daughter being diagnose with XXXX she had to have XXXX and I was out of a job. I wasn't working and had no income. Because it was affecting my score, I borrowed money to pay them. I sent a certified letter and check for {$1000.00} for each account they claimed I owed. In the letter it states, if company cashed check, they are agreeing to remove the negative impact on my credit file and bring to zero. The company cashed the check on XX/XX/2021 and did not abide by the letter. It is still on my credit report and affecting me tremendously. So when I called the creditor the representative stated they do not read letters sent the payment is just processed. Keep in mind, the letter was stapled to the check, so how did they not see it?

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 2017-09-29
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased this property about a year ago and have received notice of escrow shortage. 
My payment was increased {$110.00} a month in 1 year. When I questioned this the explanation was someone must have miscalculated the tax at closing, really this could cause someone to lose their home. I 'm not understanding this as the taxes are on file with the county. If this was a homestead situation would they not know that? Just not understanding how this happens. Was told I had the option of paying the full amount of {$760.00} and the payment would only increase {$50.00}. Living on a fixed income this is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, my information was compromised by XXXX doing their data breach. I began the process of looking for a home and to my surprise, my information was used to open multiple credit cards on the same day! I've tried over and over again to have these items removed and to have the companies to stop reporting the inaccurate information on my credit. Ive called XXXX since XXXX to have them rectify the issue and received nothing but credit monitoring. They have not taken ownership for anything that has happened to me. Fast forward to XXXX, I'm still having issues. I couldn't buy a house and I can't even get an apartment in my name because they say I have ongoing debt. This is truly unfair. I'm on the verge of breaking out in tears!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
A few weeks back, I got a Netspend card in the mail, stating I was prequalified for the card. I did not need one, nor did I want one, so I shredded it. Then I forgot about it. The following week to week and a half, I got an email from Netspend with a subject line about activating a card. I deleted that email.

Fast forward to today. I have received yet another email about activating the card. I then remembered the card from a few weeks ago. I then opened the email. In the email, there was an HTML graphic stating I had requested the card, and they are  willing to help me to activate the card, with a link to help information. Below that graphic, there is a series of text. In that text, there is a mention that the email is an advertisement.

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 2022-01-05
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dont know what happens maybe one ore more company use my social security number and my data I never been this company XXXX XXXX never sign nothing and never received document with XXXX account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-02-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Today on XX/XX/2020 I received an email from American Express Bluebird that they were permanently closing my account and that my account violated some terms but did not define the terms that were violated. The email says section 22 ( d ) was violated which says they can close at their discretion. I have been a customer for several years and I have a balance remaining in my account from my paycheck that was deposited 2 days ago. I cant access my money and customer service is not helping me and said I have to write a letter. They said Ill receive an email in a few days to tell me what is happening to the funds but that is it. No information, no money, no help. How can a company close an account without letting you withdrawal funds first?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06
Company: AES/PHEAA
State: FL
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:
On XXXX XXXX, I received a notice from Pennsylvania Higher Education Assistance Agency also known as FedLoan Servicing, that my account was over 60+ days past due. This was impossible as I have made a payment the same time each month. It was on an autobill pay from my account. When they finally discovered the issue it was determined that they misappropriated my funds to pay a debt that were in a administrative forbearance. As a result they were submitting a ticket to correct the issue, it was now XXXX XXXX, and the issue is not resolved and I am continuing to get notice of a my account being past due. I was contacted by a credit agency regarding this past due amount that was not past due. This is in violation of a multiple consumer debt protection laws. The Pennsylvania Higher Education Assistance Agency response your request is still pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed an account on my credit report back in XXXX of XXXX by the name of FAIR COLLECTIONS & OUTSOURCING, I immediately didn't know what the account was. After doing a little research, I see that the original creditor was TXXXX XXXXXXXX. I didn't know what that was. So I filed a police report and a Identity theft affidavit online and sent to all three consumer reporting agencies. I never heard anything back from FAIR COLLECTIONS & OUTSOURCING so I thought the account had been removed. I only get a free credit report once a year, so I don't check it often. Well when I checked my consumer report back in XXXX of XXXX, I noticed the FAIR COLLECTIONS & OUTSOURCING was still showing on my consumer report and under the notes it stated, the investigation of the dispute has been resolved. I was wondering how could that be because I was never sent anything verifying or validating this debt, nor was I informed about the investigation. So I resent my documents to the 3 consumer reporting agencies ( XXXX, XXXX, and XXXX ). Once again on XX/XX/XXXX I received an email saying investigation complete please check your dispute results online. Low and behold the account FAIR COLLECTIONS & OUTSOURCING is still on my report and the notes are reinvestigation complete this account has been updated. I still haven't received any documentation validating this account and this is not my account. The original creditor is XXXX XXXXXXXX. I have never heard or been associated with anything called XXXX XXXXXXXX. This is a fraudulent account and FAIR COLLECTIONS & OUTSOURCING are not investigating the disputes properly and just simply saying they are validating and verifying the account without doing so. Remove this account immediately.

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 2020-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After getting a recent report of my credit report, there is a collection I am unaware of. I became aware of this because I am trying to apply for a home loan. The original creditor is Capital One, but now has been sold to XXXX XXXX XXXX, XXXX. 
They are claiming that I owe Capital One {$140.00}. I never applied for a card in 2015, I never received a card In 2015. 
When I asked for proof of this, or any documentation showing my authorization of such card, they provided me with a letter. This letter just says the day they sold the account to this third party, with my name issued on it. They are claiming this is the proof to validate this account. 
This does not prove anything, and does not give me correct documentation, proving I am the owner of this account. 
When I initially disputed this as fraudulent, Capital One opened an investigation, and recently as of the XX/XX/XXXX, has closed the investigation because they prove this account is factual- because of these 2 pieces of info : your address matches, and your phone number matches. Regardless if they have a phone number and address, anyone can have this information, and open a card. That is not proof to me of the validity of this account. And capital one is saying that is all they need to prove that its mine. They are also saying there is nothing I can do, because they closed the investigation, and it is final. What am I supposed to do now, knowing that an account is not mine, and they keep coming back saying it is, and there is nothing I can do about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was affected by the Equifax security breach, and using their online process to freeze my account, I put the freeze on it, and then their system was supposed to generate a PIN for me so I can unfreeze it later. The system did not generate a PIN, instead I got a system error message. When I called their help desk dedicated to the security breach, it is outsourced and the call center representatives do not have the ability to respond to technical problems. They refer you back to the general equifax number. That is an automated message that does not include an option to get technical support related to the cybersecurity breach and freeze requests. So, there does not appear to be a mechanism for consumers to resolve technical problems with equifax related to their failed system for freezing credit scores/accounts. 

I think CFPB needs to come down pretty hard on Equifax for failing to provide adequate technical support to people who are experiencing problems with freezing their accounts, getting their PINs, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: SVB FINANCIAL GROUP
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, my bank, XXXX XXXX XXXX XXXX, forwarded a check to Silicon Valley Bank, via my Bill Payer request, for the purpose of paying my XXXX credit card payment in the amount of {$75.00}. When I called XXXX, XXXX. to confirm whether or not they had, in fact, received my payment, I was told that the Silicon Valley Bank was not the bank that handles their credit card accounts, but instead my payment should have gone to XXXX XXXX. Upon being apprised of the error I immediately contacted Silicon Valley Bank, spoke with Ms. XXXX XXXX, and explained the issue with regard to them receiving the check in error. I then contacted my bank ( XXXX XXXX ) and spoke with XXXX XXXX ( with Ms. XXXX on the conference call ) and tried to resolve the matter ; I wanted to know why Silicon Valley Bank cashed the check that was obviously sent in error, where were the funds applied considering there is no account for me and/or XXXX XXXX. at that bank, and why wasn't the check simply returned back to XXXX XXXX. As of this writing I still have not received an explanation as to where my money is, and why it can't be resolved. I'm inclined to believe that Silicon Valley Bank is complicit in some type of unscrupulous and unethical financial scam ; for surely this matter should have been resolved immediately after speaking with a representative from XXXX XXXX. Therefore, it would be immensely appreciated if someone from this agency could intervene on my behalf and find out why this happened and when will I get my funds back in my checking account. I am a XXXX XXXX XXXX veteran who is afflicted with an array of XXXX  as well as XXXX issues. This situation has caused me a tremendous degree of XXXX XXXX   and XXXX. Further, because of Silicon Valley 's negligence and failure to return the erroneously-sent XXXX payment, I had to, in effect, pay the bill twice ; which created another financially burdensome situation for me. If you have any further questions with regard to this matter please contact me @ ( XXXX ) XXXX or email me at XXXX. Again, thank you in advance for your time and cooperation in 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 explanation
Consumer complaint received 2020-02-22
Company: Experian Information Solutions Inc.
State: NY
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:
THE ACCOUNT LISTED HAS NO RELATION TO MY NAME, THIS ACCOUNT IS REPORTING INACCURATELY ON MY CREDIT REPORT AND HAS BEEN CAUSING DAMAGE TO MY FILE. PLEASE INVESTIGATE THIS ACCOUNT AND HAVE IT OFF MY CREDIT FILE.

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 2022-04-27
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I was contacted by Wayfair Mastercard on XX/XX/22 that there XXXXy have been fraudulent activity on my card. I confirmed I made NO purchases and have never used the card. I was told by their fraud department I would not be held responsible for the fraudulent charges and they would be removed from my account in XXXX days. I received an account statement yesterday XX/XX/22 showing a {$2000.00} balance. When I called I was transferred at least 3 times and was told I just needed to be patient and wait for them to complete the investigation. It has been 16 days already. I confirmed I did not make the purchase. I want the charges removed immediately.

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 2020-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/XXXX I contacted my bank regarding a freeze on my checking and savings account. I spoke to a Specialist regarding this issue and he discussed that they had to have an investigation, meanwhile, my account was not part of any fraudulent activity - I was just a joint account holder during this process. I asked the Specialist if my funds would still be deposited into my account ( i receive direct deposits from my job ) he specifically told me that my account being froze would not stop a direct deposit from being deposited. But, this date was my direct deposit day, hours later, still no deposit. I decided to call the bank again and speak to another Specialist. The specialist discussed that she had to speak to the authorized account holder ( my mother ) so i told her to hold on while i get my mother who was with me at the time. Then the phone hangs up. The specialist hung up in my face. Now I have to worry about paying bills because my bank has not contacted me or my mother regarding this issue and my primary funds are being held in my checking AND savings account. I have to pay bills and receive a direct deposit, but no one has helped me at all through this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: RFNA, LP
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:
Someone open an account at XXXX XXXX in XXXX GA in XXXX of XXXX. I did not know of this until they sent me a past due letter in the mail. When I called them they said they sent me a check in the mail and I cases it in Virginia. I never received any check for $ XXXX. They also started I would have to come in and sign doc, then I talked to XXXX and he said once approved they send you a check. I keep informing them I have nothing to do with this account. Also now they are trying to come after me for about {$300.00}. I have nothing to do with this account and want them to remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for the amount of {$590.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$200.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$2400.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$4200.00}. XXXX XXXXXXXX XXXX opened XX/XX/XXXX for the amount of {$8700.00}. has violated my rights. 15.U.S.C 1681 section 602 A States i have a right privacy. 15.U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15.U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of convictions of crime which antedates the report by more than seven years. 15.U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with explanation