BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the date of XX/XX/2019 XXXX XXXX  ( XXXX XXXX  ) I made a deposit into what I thought was a Navy Federal Credit Union Partner. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, LA XXXX. I deposited a total of {$600.00} the ATM machine failed to return my money and instructed me to contact my financial institution in order to get my money back. The following day XX/XX/2019 I went into the XXXX  Branch in XXXX and they explain to me that my money was in fact in the ATM and it was out of balance, but in order to return my cash I would have to get Navy Federal to contact them to do so. So I submitted a complaint with Navy Federal with Supporting documentation and they failed to even research the first claim. So I called and resubmitted it with the SAME documentation as before and they finally responded. So they instructed me to get the ATM terminal ID. I went into the XXXX branch and two branch representatives gave the XXXX   rep the terminal number. I was told it could take up to 30 days I called twice a week for updates and I was told that I had to wait for visa to clear it and I believe that was only said to get me to not continue to address this matter. I waited for sometime and the status hadn't change. I called again and I was told they had the wrong terminal ID number. I don't know how could that be possible when the number was given to a rep for navy federal over the phone directly. Someone is not doing their job. All I want is my money returned to me now. its not hard to credit my account as they have been dropping the ball for almost three months. please fix this matter immediately for claim number XXXX thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I 've opted out a long time ago and just now got an offer from Capital One today

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company APPLE CARDGS BANK has obtained my consumer report on XX/XX/2022, XX/XX/2022 and XX/XX/2022 without my knowledge or consent. I have not given written or verbal consent to APPLE CARDGS BANK to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CORELOGIC INC
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: Credit inquiries on your report that you don't recognize

Complaint:
I found these unauthorized inquires on my credit report. 
XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Credco XXXXXX/XX/XXXX Credco/XXXXXXXX XXXXXXXX  XX/XX/XXXX Credco XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
In XX/XX/2018 and XX/XX/2018 I send a dispute into all 3 credit bureaus asking how did they validate the collection items ( XXXX XXXX, XXXX, and XXXX XXXX ) on my report after following up with their results of the investigation of my dispute, as required by the FCRA 611. I still have not received this validation or verification from all 3 credit bureaus.

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 2021-10-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SYNCHRONY BANK CREDIT CARD -- CHEVRON/TEXACO GAS CARD ACCOUNT XXXX ONCE AGAIN SYNCHRONY BANK HAS REPORTED INCORRECT INFORMANTION TO THE CREDIT BUREAUS ... ... .IN ADDITION TO I HAVE MADE PAYMENTS ON MY CREDIT ACCOUNT WHICH ARE NOT SHOWING UP .... 

****MAY BALANCE IS INCORRECT***** THERE SEEMS TO BE A CONSTANT DISHONEST APPROACH TO THE WAY SYNCHRONY BANK DOES BUSINESS. 

I HAVE HAD CHARGES PENDING FOR 3 WEEKS AND ALL OF SUDDEN THEY WILL APPEAR AND THEN I AM OVER THE LIMIT .... 

ITS SEEMS AS THOUGH THEY ARE FINDING WAYS TO CHARGE CUSTOMERS EXTRA MONEY AND INTEREST .....

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 2023-02-28
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: Public record information inaccurate

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately. 

Please remove all negative accounts and the bankruptcies off of your 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 2017-06-29
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company placed a forced insurance policy on our account which is incorrect, we have a in place insurance policy. The company is attempted to cover this by saying we have a shortage in our escrow account. Our 2017 mortgage statement reflects a deduction for hazard insurance, which we pay by electronic debit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2018-11-29
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
In XX/XX/2018 and XX/XX/2018 I send a dispute into all 3 credit bureaus asking how did they validate the collection items ( XXXX XXXX, XXXX, and XXXX XXXX ) on my report after following up with their results of the investigation of my dispute, as required by the FCRA 611. I still have not received this validation or verification from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank ran a promotion whereby a consumer opening a new account by a certain date would receive {$400.00} after 3 months of maintaining a balance of over {$15000.00}. I opened such an account on XXXX XXXX, met the requirement, but failed to receive a bonus. Upon inquiring, I was told that I would have to wait for up to 90 days for a resolution. In the meantime, I was told that I can not close the account, and if I withdraw funds, I would be subject to monthly fees. This is fraudulent behavior, requiring me to keep my funds in the account for an arbitrarily long period of time. Now I face the choice of foregoing the promised {$400.00}, extending my account duration by 5 months later than initially outlined ( it has already been 2 months since I fulfilled the requirement ), or paying monthly fees to Citibank for 3 months if I take my money elsewhere while the institution " investigates. ''

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 2022-09-10
Company: EdFinancial Services
State: CA
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:
I submitted a refund request with EDfinancial. I received no confirmation via email ( no refund information is posted on my account ) and have had to call to get updates. I am now told this refund process can take up to six months, and I could potentially miss the window to have some of the loans that will be put back on my account forgiven. 

For a student these are large sums of cash and I was hoping I could call and expedite the refund process. EDfinancial says refunds are at the discretion of the Dept of Education. After doing research it seems the only hope I have is to daily hound EDfinancial to make sure they stay on top of the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX refuses to provide any information on consolidating my XXXX loan from XXXX  University in XXXX XXXX into a direct loan in order to have it discharged under the president 's relief. The university officers were similarly completely useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-12-02
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. 

After this, I never received a bill for this service or any request for payment. While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. 

My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). T he Patient Balance on this document is {$510.00} I never received a bill or a statement requesting any payment. 
Patient Balance has been paid ( attached ) I have not received any answers to what this debt is about. I never received any letter or communication. 

The hospital had all my personal information and had my insurance information and no other claim was presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX i see in my credit score XXXX report me deliquent account, i di n't get email or something about that i 'm still owe {$300.00} pbecause termination but its okay so they give to ic system debt collection, i got letter from ic systemXX/XX/XXXX, and i pay right awayXX/XX/XXXXand ic system sent me letter i did n't owe anything else, but in my credit score i still owe them {$300.00}, they did n't report or what?? they take my money from debot cardXX/XX/XXXX,  can somebody help me thx because my credit score keep going down

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 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ref : CFPB XXXX and FTC XXXX XXXX I am report fraud resolution that ba nk has make with XXXX Bureau on XX/XX/XXXX on the XXXX wed site claiming bank has close out my checking account ( Adv Tiered interest chkg for XX/XX/XXXX to XXXX XXXX. Account number : XXXX XXXX XXXX. The letter was sent it to me at home. and the amount was XXXX dollars. This letter was fraud to sent out by bank. Plus ruin my credit line with the 3 Burenu. XXXX has a file number which i filed with the Burenu ( CASE : XXXX ) .This is 2-3 times that the bank has do it to me. Please help me solve this problem as soon as possible. Thank you.

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 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Capital One QuickSilver credit card was charged a fraudulent charge on XX/XX/2018 in the amount of {$40.00} from XXXX XXXX. The account was credited {$40.00} ( in green on my transaction history ) on XX/XX/2018 but, the credit hasn't been applied back to my available credit. I contacted Capital One customer service today ( XX/XX/2018 ) and spoke with a representative in CS that stated the credit wasn't applied to my account balance that then transferred me to a another representative in the Fraud Department that spoke 100 mph. I could barely get a word in and I found myself interrupting the representative to get my questions answered but, nothing was resolved. Again, no clear expectations or timeframes. I think the answers to my questions weren't clear. Then the representatives phone HUNG UP abruptly. I need a clear deadline on when the credit will be applied back to my account. Its been almost 7 days. If Capital One has a 0 liability policy to customers on fraudulent transactions why is it taking 7 days to apply a temporary credit to my account. This experience puts a bad test in my mouth. Capital One is a large company and should implement better measures to assist customers in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed for Bankruptcy. I was discharged. Capital one is included in this discharge but it still shows on my credit report as a negative credit it says closed but is still on the report. Thus effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection recently added to my account, but I do not know what it is. I contacted the collection agency and the information they provided is not mine. The first time I heard about this debt was when I saw it on my credit report. I disputed this with the credit bureaus and XXXX  denied the claim whereas XXXX  removed it from my credit report. 

COMMONWEALTH FINANCIAL SYSTEMS Account Name Collection Account Type Individual Responsibility XX/XX/2018 Date Opened Collection account. {$710.00} past due as of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Someone Impersonated my Identity and took {$9500.00} cashiers check at Chase branch. I filed a claim in chase claim department, and chase are denying it. I do have a police report and I sent the actual police report to the claim department. at this point. Im really frustrated about the way chase is not handling a situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have tried to resolve this issue before and you know that you are breaking the law. Any transaction or experience between the consumer and the person making the report Shall NOT be reported on consumer reports. 

There are four attachments to this complaint. Please take the time to open them up and read them so that we may resolve this issue. There are congressional findings and definitions giving proof that the information about XXXX XXXX shall not be reported on my consumer report. This is very embarrassing to even go through this process, my character is being defamed and my privacy is being seen by anyone who tries to access my credit report. Please have this issue resolved within 4 days. I have already wasted time trying to have this issue resolved and I can not get that time back. 

I will be awaiting your response in the next few days. I am trying to purchase a home and this is slowing me down.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion XXXX and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are Transunion : high bal XXXX XXXX  : high bal XXXX XXXX high XXXX transunion last activity XX/XX/XXXX XXXX  las activity XX/XX/XXXX XXXX last activity XX/XX/XXXX transunion bal owed XXXX XXXX  XXXX XXXX XXXX transunion says paid on time until XX/XX/XXXX then nothing i would like them completely removed from my report these and several others cost me a mortgage and a really high percentage rate on my auto loans

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