BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal Credit Union ( NFCU ) website has published refinance rates that appear to welcome you ( teaser rate ) to apply for a mortgage loan. In the comments below they add another 3/4 % to the rates if your current mortgage is not with NFCU. I have been a member for many decades and it does not make sense that as a current member I have to pay more to use a credit union service. 

Spoke with customer service twice and basically my impression was that management made the decision to tack on this additional cost mid XX/XX/2020. 
I understand that NFCU is busy with providing services but as a current member they want me to pay more than someone who is not a current member. 

This is information in quotes that NFCU has on its conventional mortgage website : " Rates displayed are the as low as rates for purchase loans and refinances of existing Navy Federal loans. Rates for refinance loans where the existing lender is not Navy Federal are subject to a 0.750 % higher rate. '' I don't believe this aligns with the fair lending act and feels a bit discriminatory. 
NFCU is excluding current members with mortgage loans elsewhere from enjoying/benefiting from the interest rate under a refinance. NFCU is excluding a large group of members from refinance since the added fee makes the cost higher. 

" Disparate Impact A lender 's policies, even when applied equally to all its credit applicants, may have a negative effect on certain applicants. For example, a lender may have a policy of not making single family home loans for less than {$60000.00}. This policy might exclude a high number of applicants who have lower income levels or lower home values than the rest of the applicant pool. That uneven effect of the policy is called disparate impact. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This information is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. There are multiple accounts showing the same account numbers.

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 2020-05-04
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This vehicle was stolen on XX/XX/2019. I made a police report around XXXX XXXX I called my insurance company at XXXX XXXX  and then again at XXXX XXXX  and filed a claim. I received a packet of papers from my insurance company which I filled out and mailed them back in their addressed envelope on XX/XX/2019. I have copies of all supporting documents. I had full coverage insurance and gap insurance to cover my entire loan. This was not a repossession.

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 2020-05-04
Company: ENCORE CAPITAL GROUP INC.
State: NV
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:
MIDLAND FUNDING ( XXXX XXXX XXXX  XXXX  ). is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Experian Information Solutions Inc.
State: VA
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 have an account that shows derogatory on my credit when account was included in my bankruptcy ... I need this updated or the account removed please for wrong information reporting thanks

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 2019-04-23
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Around XX/XX/2018 I attempted to initiate a vault withdrawal of XXXX Bitcoin on my Coinbase account so I could sell it for USD ( The value at the time was approx {$12000.00} ). The vault withdrawal got stuck and I never received the confirmation email. I contacted Coinbase support on multiple occasions and when I actually got a response from a living human they appeared to have not even read my complaint. Eventually they said they " escalated the complaint '' but I never heard back and nothing was fixed. A year later, the vault withdrawal is STILL stuck, and I am STILL receiving automated responses. I attached one of the email back-and-forths but there were a couple others with more or less the same sort of interaction. Zero real help on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband cancelled our gym membership on XX/XX/XXXX .We signed up as a family on a month to month basis after a year we noticed we did not use it much, he was told he had to go in the office to cancel it and that 's what he did .On XX/XX/XXXX they tried to debit his bank account and it was returned by his bank, and then they tried coming after me for payment.On XX/XX/XXXX I was told I still had an open account, so long story short I was told I owed them {$20.00} dollars and that I needed to come down to their office and terminate my account.I did that on the same day they sent me the email.I now received another notice stating that I owe {$40.00} more dollars or they wills send my account to collections.I contacted XXXX XXXX today on XX/XX/XXXX and told them I cancelled this service back on XX/XX/XXXX and was told they have not received the information.I told them I do n't owe this money and that I have paperwork of the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: I.C. System, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One has held my money and has given no explaination on why I can not receive my cash deposited last year! 

Account number XXXX They keep stalling and sending me to an account security department which leads to a voicemail and no one calls back. Fraudsters and theives of my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is an account with XXXX XXXX that was opened around XX/XX/2016 for approximately XXXX dollars. This account was subsequently charged off. This account does not belong to me. I have disputed this account with XXXX, XXXX and Experian and all but Experian have removed the account. I have disputed this account with Experian too many times to count. I have submitted fraud affidavit after fraud affidavit to them and they come back a week later and say that the account remains. I have contacted the company XXXX XXXX and they cant provide me any info. I have asked Experian on several occasions to provide me the documents that were used to validate the account as mine and have never received 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 explanation
Consumer complaint received 2021-09-12
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: Was not notified of investigation status or results

Complaint:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE ACCOUNTS THAT DON'T BELONG TO ME I AM INCLUDING A LETTER OF EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is giving me a hard time disputing my reports online. I have submitted my correct information and it is stating the information is incorrect. When I called in, they will not help with the issue but instead are attempting to force me to do the process over the phone with them. I'd like to investigate each instance and then make a decision if I will dispute it or not. I have done this with XXXX and XXXX already but Equifax is not being helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
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:
Experience, XXXX and XXXX has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report 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 non-monetary relief
Consumer complaint received 2020-07-27
Company: LDF Holdings, LLC
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX keeps calling my phone to collect money that I owe then I have told them I do not have a job right now and they need to wait until I get a job so I can make payments again I understand its my responsibility to make the payments but I am jobless so I cant when I call them to let them know I can make the payments as soon as I can they ask me personal questions like well how are you getting by how are you getting money to pay bills like that is none of their business I received a loan for {$700.00} on XX/XX/20 right now I owe them about XXXX I would like them to stop making rude phone calls and stop harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX I received an email alert from XXXX stating that a Hard Inquiry from AMEX was done. 

Today, I contacted XXXX to dispute the Inquiry. They said it will be removed and to contact American Express. In addition, XXXX asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted American Express Fraud department to be transferred to Application services. They confirmed an application was received and approved. American Express has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the U.S. Post Office to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to XXXX and XXXX. I am also checking with the U.S. Post Office for any fraudulent address change request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: JPMORGAN CHASE & CO.
State: MA
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:
CLAIM ID : XXXX and XXXX XX/XX/XXXX- Filed a fraud claim with Chase against XXXX charges XX/XX/XXXX- Fraud claim closed and I was made aware these charge came from my account XXXX XXXX Contacted XXXX by phone and learned charges were from " XXXX XXXX  '' XX/XX/XXXX - Emailed XXXX XXXX and got email claiming XXXX can do the refunds XX/XX/XXXX- XXXX attempted refunds . Several were successful but most error-ed out do to system issue XX/XX/XXXX - Opened a Dispute claim with Chase per XXXX recommendation XX/XX/XXXX - Chase Dispute can not dispute as it was not fraud. 
XX/XX/XXXX - File a complain and was assigned XXXX from Executive office XX/XX/XXXX. 3 Way called with XXXX Support : XXXX  and Executive office Chase : XXXX. XXXX asked XXXX to do a charge back. 
XX/XX/XXXX - Sent another email to Chase Dispute ( not Fraud department ) confirming both XXXX and XXXX XXXX  noting a refund can be done. 
XX/XX/XXXX - XXXX denied refund because it was not fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I was scammed into purchasing XXXX cards by someone posing as by boss. I reported it to the police and called my credit card company. They told me the incident would be covered under their fraud protection. Two months later they put the charges back on my card and they wont cover the charges because they dont consider it fraud. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/XXXX I paid off thru a settlement transaction an old derogatory account of a Credit card that belongs to XXXX XXXX XXXX ( XXXX ) XXXX XXXX with a 3rd Party ( XXXX XXXX XXXX XXXX ) and I will be closing my first home in XXXX County Area in Florida the next XX/XX/XXXX. so the Lender is financing me gave me the opportunity to try to expedite the process of report the account properly in all 3 Credit Bureaus Companies as soon as possible to try to raise my XXXX/Credit Score and Report, in order to prevent high interest mortgage loan that i should not deserve if I was responsable paying off accounts that affects my Credit in General

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
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:
Equifax was hacked because they failed to upgrade their software even though they were warned repeatedly to do so. As a consumer, I never gave Equifax the right to collect my information, but they were able to procure it anyway and then lost it to hackers that might use my personal information to steal my identity or for other, nefarious, purposes. 
Afterwards, I tried to freeze my credit with all three credit agencies because that is what experts were recommending online. Equifax said you could do so on their website, or you could call. I tried calling several times and spent a few hours on hold or keying through machine-routers trying to freeze my credit to no avail. Then, I caved and went to fill out their online credit freeze form. I did n't want to do that because Equifax had shown their inability to adequately secure consumer data, and I no longer trust their ability to handle web data securely. I work in XXXX, and I know that poorly maintained, old, websites, like the one Equifax operates, are likely easily exploited. However, I eventually filled out the form only for it to fail to load correctly. I had to go back and fill it in again. I still do n't know if my credit was frozen correctly with Equifax. The other credit agencies had online forms that were easier to fill out and worked properly. 

Clearly, Equifax has done damage to me. They lost my personal and financial information. They failed to protect my data. They failed to provide adequate resource. And as has been widely reported, they pointed people towards phishing websites even after they were hacked. They said they were providing free credit reporting to let you know if your data was being used, but there were reports that taking advantage of that offer would prohibit me from taking advantage of class actions against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions , LLC is reporting false and inaccurate information to my consumer reports and credit file. The account is reporting an alleged amount owed of {$100.00}. I do not have contractual obligation to Sequium Asset Solutions , LLC and have never had any initial communication with this company. I never gave Sequium Asset Solutions , LLC consent to obtain my personal information which constitutes identity theft and is a violation of my individual right to privacy pursuant to to 15 USC 1692. Pursuant to 15 USC 1681 ( a ) ( 2 ) this negative information being reported is harmful to my reputation. On XX/XX/2021, pursuant to 15 USC 1692g, I requested validation of debt from Sequium Asset Solutions , LLC and I am currently awaiting response from their offices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation