BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: LEXISNEXIS
State: CA
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:
Previously I filed a complaint with CFPB ( Complaint # XXXX XXXX against LexisNexis for maintaining and selling the information they maintain under my social security and not complying with my request to freeze my file, as well as Opt-Out from selling my information. However, despite their claim to have " Security freeze '' on my file and Opt-out of selling my information in the response letter dated XX/XX/2020, they are still selling my information to XXXX. 
This fact is evident in their response letter dated XX/XX/2020 on complaint # XXXX showing the freeze was applied to a different individual file instead of my file " Security Freeze added to XXXX XXXX RiskView file. '' ( See attached letter from LexisNexis ). They have also on the same response letter referred to my name and title inaccurately, simply showing LexisNexis is extremely careless in regards to collecting information and maintaining information accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello my name is XXXX XXXX I have made a complaint regarding my insurance back in XXXX I got a response back telling me that my insurance is canceled but I see now in my statement it shows its already paid but its not so I called my insurance to check if its paid and they told me that my insurance is apparently cancel but in my statement it apparently shows me that they made the payment on XX/XX/XXXX and now they returned my payment on XX/XX/XXXX but it has never been paid because I called my insurance and they inform that they never sent the payment to them also in my escrow disbursement history shows that they put {$2800.00} in my escrow disbursement history but it doesnt exist but in my statement they are adding my {$2800.00} to my loan so now I dont have enough money to pay any insurance because they are adding my money the {$2800.00} to my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
State: NJ
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:
I am using wells Fargo credit card, and setup automatic payment for every month ( statement balance ). past 2 months payment not went through reason email from XXXX ( schduled payment higher than actual payment ) nothing wrong on my side but wells fargo charged me interest & late fee etc., agent not ready 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
Consumer complaint received 2018-01-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom It May Concern Re : Claim # XXXX I'm disputing Chase Bank Claim. JP Morgan Chase Bank allowed a merchant ( XXXX XXXX ) to debited my account using a debit card that was reported lost/stolen. It is obvious that JP Morgan Chase Bank is not taking responsibility for their error. 

On XX/XX/XXXX, I used my debit card ( ending XXXX ) at XXXX XXXX XXXX. They obtained an authorization for {$50.00} deposit. OnXX/XX/XXXX, the {$50.00} deposit was deducted out of my checking account and the authorization code should have gone away. 

According to JP Morgan Chase Bank response to your agency, the merchant ( XXXX XXXX ) used the same authorization code that was obtained back on XX/XX/XXXX, to debit my account for {$670.00} two months later. It is not possible for a merchant to use an old authorization code from two months prior especially after the original amount {$50.00} was debit from my account. It clearly shows on my bank statement XXXX debited my account {$50.00} and at that time that was all they were authorized because my car insurance company was paying the entire rental I could understand if XXXX an authorization code pending but they did not. Chase allowed {$670.00} to be deducted from my checking account fraudulently. 

I recommend Chase Bank take responsibility for their error and credit my checking account the negative balance including all the fees the account incurred. If they don't own up to their mistake I'm prepared to contact an attorney. I've been patient and cooperative with Chase. But I'm getting frustrated and I'm not letting them getting get away with this ' Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Double charged from moneygram when XXXX transaction was canceled beforehand. 
{$1500.00} canceled but moneygram still process {$1500.00} correct Therefore XXXX transactions went through to bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05
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:
I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of identity thief. I have asked that several times to investigate this item. The item listed below is the account that is not mines : XXXX XXXX {$140.00}

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 non-monetary relief
Consumer complaint received 2021-06-04
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ive been trying to get a hold of my freedom mortgage to correct the issues with my refinance. The last time I called the direct number I was hung up on by my loan officer. 

My loan still has not closed although it has been over 3 weeks. I have attempted to close the loan on two other occasions and freedom mortgage made mistakes on the paperwork. My refinance loan has been in process since XXXX. I have my XXXX payment due and I need to close between XXXX and XXXX on XXXX XXXX due to a number of extenuating circumstances. I will not be available to close past the XXXX as I am in the military and have orders to move to South Carolina. I have made it abundantly clear the last 4+ times I have called freedom mortgage to receive an update. Every update over the phone I have received from freedom mortgage assured me that the issue would be resolved in the next XXXX hours and I would receive a call from the company to schedule. I have never once recieved a call back or follow up via email in the last three weeks. Nothing has been resolved.

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 2020-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 I tried using my prepaid debit card ( unemployment benefits card ) to make a purchase, I was given the message insufficient funds, I immediately checked my account knowing I had just been paid by Nevada unemployment that morning. My account showed a withdrawal of {$980.00} from XXXX XXXX XXXX. I immediately called BofA who my prepaid card is through to report this unauthorized transaction, the representative immediately closed that card and reissued me a new one and transferred me over to the fraud division. I was on the phone with the representative of BofA fraud division for almost 30 minutes going over what happened and what I needed to do from that point forward. I complied with everything they asked me to do including filing a police report just to find out 2 days later they closed my claim on getting reinstated back my funds. I've have since called 4 times in a 2 week period inquiring on the staus just to be told it would be escalated and to this date nothing. I have read and researched this problem that XXXX people have had the same issue and 99 % of the ones I've spoke to have yet to get any help from Bank of America getting back. Now yesterday XX/XX/2020 I went to make a withdrawal from a BofA atm and it states my account is frozen with {$470.00} in the account. I called BofA again they said it was frozen by XXXX which I can't get through to. I can't get any correct information from BofA as to why they can see my funds but can't give them to me with all the proper identification. PLEASE HELP ME, IT'S THE ONLY FUNDS I HAVE TO SURVIVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: PA
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:
XXXX and Equifax are reporting inaccurate information on my credit report. Unfortunately, after months and months of sending letters stating error they still continue to report wrong and misleading information. I have sent letters with evidence, I have called XXXX and they said they dont report payment history so I dont know how the credit bureaus are verifying this information. 
I have sent documentation proving my on-time payments for the past 3yrs. 
XXXX is the account in error Payment History is the section of error Thank You in advance, Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Recently, I disputed a trade line that is being reported on my credit reports by XXXX XXXX. I disputed this trade line because I disagree with the amount claimed to be owed. Nevertheless, the results of the dispute came back as 'verified and accurate/meets FCRA requirements '. Thus, in XXXX of XXXX, I wrote a letter directly to XXXX XXXX requesting a copy of the original contract ( signed ) or accounting records used to VALIDATE the amount claimed to be owed. However, instead of sending me any of the requested documents, on XX/XX/XXXX, I was sent a one page summary that listed my name, address, and the amount claimed to be owed. Moreover, I wrote a follow up letter to XXXX, in XXXX of XXXX, which was received on XX/XX/XXXX. I am aware they have at least 30 days to respond, however, I called XXXX on XX/XX/XXXX and I was told by a customer service rep that were no records on file to validate this alleged debt. Given these facts, I am demanding that this trade line is permanently deleted from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: PNC Bank N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My bank BBVA was recently bought out by PNC bank. I could not gain access to my money in the PNC system as I don't live near a branch and was not sent a debit card or account information in the mail. 

-I called PNC bank to cancel the account and was told that I had to remove my money from my account first. 

-They sent me my money in cashiers checks. 

- I then called PNC bank, spoke to a human who told me the account would be closed. 

- I was then notified that my accound had not ben closed and had been overdrawn. 

- I called them back, payed the ammount I owed and told them a second time to close my account. It has still not been closed. 

I Just called them again and the same problem persists. They transfer you from agent to agent, I've spent hours on the phone and cant close my account. Its criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: GVA Holdings, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told at least 3 representatives from Bright Lending in the past that this telephone number does not belong to XXXX XXXX. It is a cell phone belonging to his former employer, XXXX XXXX. Each representative states that they will remove my business cell phone number from their database. Yet .... 

Since Monday, my cell phone records show the following calls that I ignored : Monday, XX/XX/2021 at XXXX from XXXX Monday, XX/XX/2021 at XXXX from XXXX Tuesday, XX/XX/2021 at XXXX from XXXX Wednesday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX On Friday, XX/XX/2021 at XXXX, I picked up the phone and spoke to XXXX who RUDLY INSISTED that Bright Lending has never called XXXX before. She refused to take me out of their database altogether as I requested, instead she said she will put me on their " do not call '' list which they will sell and cause further harassment. When they call they insist very rudely to talk with XXXX XXXX, when I tell them they have the wrong number, they refuse to hang up, they continue to ask as though I am trying to hide him. 

If I get another call from them or an associated company, I want compensation per call. I am tired of them interrupting business meetings and my work day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : BEST SERV CO Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$470.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Three payments of {$840.00} were received by Sears in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; Sears agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account 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 2021-11-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Car was repossessed on XX/XX/XXXX without notification and not from my home. 
The payment was made on XX/XX/XXXX to reclaim the vehicle in the amount of {$2800.00} and I was told I would be able to pick up the vehicle on the same day. Called to schedule to pick up the vehicle and there are no " appointments '' for today and I have to pick the car up tomorrow and pay an additional day of storage totally 5 days @ {$30.00} vs 4 days @ {$30.00}.

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 2022-01-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX the XXXX someone got into my navy federal account and took 1,500 $ From my account and transferred it to theirs. I notified navy federal and try multiple times to get my money back and never did. I was also somehow negative at one time I dont know how and they took an extra 400 $ away from me Im just trying to get my money back if you could help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Ability Recovery Services, LLC
State: MD
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:
I have never entered into a contract with this company. The organization that they are collecting for I have never herd of as well as never attended their program. The address they have on file is not mine and is a XXXX XXXX in another state that I have never lived. The coments states it was included in chapter XXXX bankruptcy. It shows a high/limit of {$380.00}. This is not my account and this collection agency has failed to validate alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm behind one payment, nearing two payments due, I was diagnosed with XXXX and going by through treatment. 
Before things worsened, I called US Bank mortgage to see if they might be able to help in some way so I can have the ability to pay for my XXXX and XXXX treatment. 
They stated they only could : Do repayment plan- meaning " catch up '' Forebearance plan- meaning " let payments stack on each other, then try to catch up '' And Refinance- meaning possibly qualify for lower interest or restart loan amortization for another 30 years but not guaranteed. 

None of this really helps in any way to consumers in my situation.

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 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
l have wrote ( 3 times ) TransUnion, XXXX, and XXXX about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX ). I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus,  XXXX is verifing me by my last 4 Social Security # s. They can not do that 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 2017-10-24
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX was suppose to remove over 13 inquiries from my credit report. Instead they added over 23 inquiries to my report that are unknown, and should n't appear. Specifically. XXXX XXXX with dates XX/XX/XXXX. XXXX XXXX with dates of XX/XX/XXXX XXXX XXXX was n't given permission to run my credit on XX/XX/XXXXXXXX XXXX XXXX for on XX/XX/XXXXunknown. XXXX onXX/XX/XXXX unknown. XXXX onXX/XX/XXXX and onXX/XX/XXXXwas n't given permission to run my credit. XXXX was n't given permission on XX/XX/XXXX
These inquiries appear on all three bureaus : XXXX XXXX, and Experian.
Please have these unauthorized inquiries 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 explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, 2017 I have tried both online and over the phone to freeze my credit records ( for days ). In both cases with Equifax and XXXX the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX over the phone, however, their was a {$10.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a great credit score, low debt and great salary since I work for a XXXX XXXX I was excited about applying to the new Capital One Venture X card. They denied me and didn't provide a reason. When I called their 1800 number they don't have a department that deals with applications so that an actual human being and not a computer algorithm can look at my application and realize I've never been late or had any credit problems, that I have a very good salary and that I would be a great customer.

Company response to consumer: Closed with explanation