BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: BARCLAYS BANK DELAWARE
State: FL
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:
On XX/XX/2019, a payment check in the amount of {$1500.00} was cashed by someone within the Barclays Bank organization, however, the payment was never credited to our account. The company was contacted about this payment and a conditional credit was placed on our account while the payment was to be tracked down. The bank requested copies of the front & back of the cashed check knowing that such copies do not exist since payments are processed digitally in Barclays ' system, meaning it is impossible to provide what they were requesting. What we were able clearly show and provide was the transaction ID from the check being cashed by Barclays Bank. Even after Barclays was contacted directly by a representative of our financial institution and told that what they are doing is essentially breaking the law, even after having submitted the transaction information showing the payment was received, and now, nearly 4 months after the original payment check was cashed, we are still being ignored by Barclays Bank with no communication about the status of the situation after 6 weeks from the date we re-submitted a letter and all pertinent information to them ( faxed on XX/XX/2019 ). Additionally, we have submitted 2 complaints to the XXXX XXXX XXXX regarding this situation. We have every bit of information necessary to prove they received this payment and it is beyond absurd that they have been able to get away with this. We were given a case ID number by Barclays, but that has been of no help, either.

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 2018-08-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Navy Federal account with a former roommate who sponsored me who I no longer live with. I'll come back to that later.

I had XXXX in personal loans taken out on my credit and deposited via ACH into my Navy account. On XX/XX/XXXX I requested a large amount of cash withdrawal to use these funds for my personal use ( hence, personal loan ). Navy then flagged my account and froze my funds without warning, without anything in writing and left it frozen. They refused to give me a reason or anything in writing or email. They only sent a form to appeal. What am I appealing? Their answers were very very vague and changed from one person to another about verifying my identity.

I have alerts on all 3 credit agencies due to a past ID fraud on my social. This is fine if that caused a flag to verify. I then emailed all documentation to prove it was me and they still refused to let go of my funds. They never spoke to me with a clear reason and never once did I receive anything in writing.. They illegally froze my funds and then after 15 days they told me " We can't verify and you need to go pick up your balance in person at the branch via cashiers check ''. Fine. I then returned from vacation to visit the branch and they still had {$50000.00} held back. I then found out without my permission they sent back the money to the loan originator ( one of the 3 loans, so why not send back all??? ). And only after I called the local police did they agree to release to me the remaining {$29000.00} in my account via check. The entire ordeal made me miss payments, rack up late fees and have returns on my account for no reason. I provided all appropriate information and they still handled my account however they pleased with total disregard to policies and informing the client of anything. They did whatever they wanted to me even with all verified paperwork. 

I am going to join a class action lawsuit seeing how Navy has a large history of mishandling accounts just as they did mine. They were extremely unprofessional and only at the end did they say one reason they froze it was my former roommate told them we don't live together anymore ( you need to be sponsored to open an account ). So what! If they no longer wanted my accounts open due to THAT they should have still told me in writing and then released FULL FUNDS back to me. They abused my account and as I said I had the police arrive at the branch before I was able to retrieve partial funds back all because I asked for cash. The remaining {$50000.00} will be sent back to me via my loan issuer ( because they are professionals ) but this can not go without consequence to Navy. I am willing to prosecute by any means necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On the day of XX/XX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XX/XX/XXXX I went shopping at XXXX and someone stole my yellow mustard purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XX/XX/XXXX my employer came up to me and asked if I re cashed a check from XX/XX/XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XX/XX/XXXX was re cashed on XX/XX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is bank of America. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a bank of America manager to let them know that the check that was cashed on XX/XX/XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on XXXX XXXX and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to bank of America ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in XXXX XXXX without my Identification or knowledge. I need answers and of course my money back. Bank of America did n't look into investigating bank XXXX where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.

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 2019-10-31
Company: Midwest Recovery Systems
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My Minor nephew signed me up for a XXXX XXXX membership without my approval or knowledge. Once I found out I called to cancel, but they ( XXXX XXXX ) said they could not because it was a years term. I explained I did not authorize the membership, I did not make the sign up, I did not ever activate the membership nor ever use it! They did not care. 

I started receiving collection calls over and over from XXXX XXXX and I explained the same thing, they didn't care. 

NOW, all the sudden, WITHOUT written notice, I noticed today I have a collection account on my credit report showing I have a collection from Midwest Recovery. 

I received a call from MWR and told them I did not authorize this account, and I was told I would be removed, this was 2 days ago, now there is a collection ... THE ONLY NEGATIVE ITEM ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: U.S. BANCORP
State: NV
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:
The subject account is my XXXX Nevada XXXX XXXX Master Card. The communications have been with Cardmember Service, XXXX XXXX XXXXXXXX, XXXX, ND XXXX. The number on their latest letter is XXXX. 

I spent two nights at XXXX XXXX XXXX, XXXX North, XXXX XXXX XXXX, XXXX, CA XXXX. When I checked in on XX/XX/XXXX 2022, they collected a {$100.00} damage deposit. 

When I received my credit card statement, I saw that the damage deposit was charged to my card, even though I had done no damage. This company fraudulently charges that guests smoke in non-smoking rooms. If there was any scent of smoke, it came from the rattling old air conditioner. I complained to the hotel about several unsatisfactory aspects of my stay when they sent me a feedback form ; but unfortunately it was before I saw the charge on my credit card statement. 

I directed the credit card company to reverse the false {$100.00} charge, which they did on XXXX/XXXX/22. After that, I received a questionnaire about the nature of my dispute, which I returned with details after two days. 

On XX/XX/XXXX22 I received a letter ( dated XX/XX/XXXX22 ) from the credit card company which informed me that the reversal had been again charged to my account. They also said they had received no response from me to their request for information about my complaint. 

XXXX2022 I returned that letter to them and wrote that they were mistaken and that I had responded to their request for information only two days after I received it and that they can't be completely passive to my complaint about this unjust charge. That is the last communication between me an the credit card company. 

A XXXX search will reveal that there are many complaints about XXXX XXXX XXXX including the property in question, fraudulently keeping damage deposits. If I wanted to spend an extra {$100.00} on a room, I'd have checked into a higher class lodging.

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 2019-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about the month XXXX I became aware of an alleged outstanding debt for XXXX XXXX Visa card. I was contacted by XXXX XXXX XXXX ( a third party collection agency ) and was harassed for an outstanding balance of {$2400.00} I had completely been unaware of. 

XXXX XXXX XXXX XXXX XXXX contacted me with a unfriendly tone demanding I pay the above balance, again, I have never made any application for credit with or opened any account with XXXX XXXX XXXX Visa or Capital One bank at any time. 

I have filed a police report and am willing to prosecute the perpetrator who has used my identity which resulted in the credit card debt from XXXX XXXX Visa card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: VA
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 recently received a copy of my credit report, The credit report showed a credit inquiry that i do not recall authorizing. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: BB&T CORPORATION
State: WV
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 began disputing the validity of the reporting on XX/XX/2019. I have sent 2 letters directly to the credit bureaus and 1 directly to the lender with no avail. Regional ACC Account number XXXX is being reported as a voluntary surrender. This account was paid in full by me and a free and clear title was issued. I am not sure why the Creditor is informing the bureaus it was surrendered but this is completely inaccurate and I have sent several complaints but the inaccurate information is still being reported. This is damaging my credit and preventing me to qualify for any future auto loans with decent rates because it looks as if I have a reposession when I never had. The least that can be done is to correct the reporting or completely remove this account from my credit profile. You have done enough damage thus far and I feel that would be a fair compromise rather than the {$1000.00} I am entitled to for a FCRA violation. Thank you for your time and Ilook forward to the resolution.

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 2019-11-06
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have had several CashApp transaction where I have not received the transferred money in my account. All three transactions were instant cash outs. I have reached out to CashApp several times. I have only gotten one response where they offered to refund the fee for the instant cash out for one transaction, {$30.00}. There has been no action that I am aware of to put the missing money in my account. The transaction details are below. 

XX/XX/19 {$200.00} XX/XX/19 {$1500.00} XX/XX/19 {$500.00} Total of {$2200.00} Customer service with CashApp is nonexistent. I need a speedy resolution as I am on a fixed income and I am now in jeopardy of losing my home. I feel that I have done everything that I can do to resolve this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX  corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against XXXX XXXX and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the XXXX XXXX  's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. 

Below I enclosed the reporting from my Equifax Credit report and as you can see, XXXX first removed the late payments then slapped them back onto my account. 

I am trying to buy a home and XXXX 's action demonstrates their conduct for which I seek damages. 

t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, 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:
I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: TX
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 reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My mother has credit card in my name charged {$22000.00}

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 2023-04-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
As a client of Chase Bank, I wish to use your organization 's service to settle my dispute with the bank. 

You will find the whole story in my complaint letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: NY
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 an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested Proof of Claim, and I paid the amount in full.They did not reply. I requested for a notice for Paid in Full.They did not reply. I dont owe nothing and I have paid it all off.

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 2022-04-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted several times to remove these fraudulent accounts from my report. I have three collection account for medical debt 1. Wakefield Associates 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX XXXXXXXX This credit card collections is not mine. 
1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a dispute on the grounds of Identity fraud to the address listed under this credit reporting agency 's website via mail, yet after 30 days I have received no response or resolution to a documented crime.

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 2020-09-20
Company: Experian Information Solutions Inc.
State: VA
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 recently received a copy of my credit report, The credit report showed a credit inquiry that i do not recall authorizing. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary.

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 2019-11-06
Company: WELLS FARGO & COMPANY
State: OH
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:
There was an amount of XXXX from Wells Fargo that was previously reported as delinquent. I straightened the matter out with Wells Fargo. It was corrected with XXXX, but XXXX erroneously reports late payments on this Wells Fargo account # XXXX. These payments were accurately reported as on time to XXXX   and now XXXX needs to be corrected. This has resulted in a very low credit score with XXXX ( XXXX ) and adversely impacted my ability to secure loans for my family. Please help correct this. When I called XXXX, the were unable to help me.

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