BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: NAVY FEDERAL CREDIT UNION
State: OH
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:
contacted company many times to fix the issue the just continue to lie about it. They continue to tell me they are sending it to corp office but I never get a call I've called multiple times but nothing has been resolved as of yet and they are attempting to resolve the issue I am the victim of identity theft. My ATM/Debit card was lost or stolen on. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost [ or stolen ] ATM/Debit Card [ or unauthorized transaction ]. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : {$580.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I recently took out a loan to pay off my Bank of America credit card in full due to too many fees for a missed payment and high interest charge. I received an interest charge after paying off the full amount because this was accrued interest from a cash advance I was told. I called BA and asked them to close my account and waive this charge. In previous months I've had a number of charges because a bank debit was rejected and BA tried to charge for a second time. I called them ahead of time to tell them that the charge was going to be returned and asked for a few days grace, to try to avoid the fee. Each time I call BA, I'm told that they can not do anything because its automatic in their system. When I've pressed them on several occasions after being told there is nothing they can do, finally they will try another option. Having paid all my interest and fees and tried my best to keep good credit during a really difficult time with COVID, I've had enough of this system which is unforgiving and not trying to assist me as a customer trying to do my best.

I've now closed my credit card and want them to waive the final {$40.00} interest charge. Even though I was told this interest is valid because it applies to a cash advance, {$0.00} of this applies to interest on purchases, which is not valid.

I feel that even when I've done my best and proactively communicated with BA, have good credit, just paid several thousand dollars to close the card, and have paid lots of fees and interested, BA is harsh and not trying to work with me as a customer. Each time I contact them there is a lot of questions on the automated system and its difficult to get through. Customer service has at times told me there was nothing they could do, but when I pressed them finally it turned out they could in fact help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and Trans Union.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

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 2018-08-22
Company: JPMORGAN CHASE & CO.
State: NH
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:
An online FFEL CONSOLIDATED LOAN was done online without my knowledge in XX/XX/XXXX ... .with a company known as CHASE. This online CONSOLIDATED a parent plus loan that I thought was paid off in XXXX ... .need computer location address contacted Chase..discovered company now called XXXX  ... still told loan sold to XXXX and no information on how this consolidation occurred online ... twice the interest rate and like I paid nothing..and I paid quite a bit..parent plus ... and badness..internal revenue OFFSETS and wage garnish..on a loan I did not INITIATE NOR HAVE ANY INFORMATION BESIDES THE OFFSETS AND GARNISHES AND WRECKING MY CREDIT ... PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Formal complaint # 3 XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : XXXX Payment being withheld into an unapplied funds! 
I am XXXX XXXX with the Mortgage Account # XXXX! This letter is a formal complaint against Wells Fargo Mortgage Co. for funds misappropriation by withholding payment into an unapplied funds- account for two weeks in order to gain and maximize the interests collected on the mortgage loan. 
Wells Fargo has designed its mortgage payment system into different LOGICS in order to collect illegally more interests and extend the life of the mortgage. Funds received are applied consistently at an inconsistent pattern in order to defraud me and others. I set auto pay with Wells Fargo to withdraw more than two full payments, one on the XXXX and the other on the XXXX of every month. The payment on the XXXX  is to be collected and applied on the XXXX  for the current month principal and interest payment. The second payment on the XXXX  of the month is to be collected and applied for principal only of the current month. 
Wells Fargo seems to be using both human and an electronic management system to withhold payments to the principal into an UNAPPLIED FUNDS. Starting in XX/XX/2020, suddenly, Wells Fargo temporarily withheld my payment in an Unapplied Funds. Then, on XX/XX/XXXX, Wells Fargo applied such funds to XXXX and XXXX regular payments of principal and interests, please see payment history attachment. Again, on XX/XX/2020 Wells Fargo collected, but redirected the XXXX payment into an Unapplied Funds. I called WF about the continuous misappropriation of my monthly payments. 
Wells Fargo computerize logics are designed to move and apply funds to facilitate a variety of illegal schemes just to collect more compound interests. Moreover, such illegal schemes extend the life of the mortgage. Hence, Wells Fargo has been defrauding me in many willful deceitful schemes. 
This is not just a computerized scheme, Wells Fargo illegally withheld the regular monthly payment for a few days, then they applied the fund to two separate future monthly payments of principal and interest for XX/XX/2020 and XX/XX/2020. I do not know what they had planned for the XX/XX/2020 regular payment withheld in the Unapplied Funds. 
Sincerely, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : 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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on 3 different occasion i have sent depute letters to XXXX, TransUnion and XXXX about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with  you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.

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 2020-07-03
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.

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 2021-05-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/21 credit XXXX  show negative reported XX/XX/21 status XX/XX/21, balance XXXX XXXX, company wakefield and associates inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving constant calls from representatives at Portfolio Recovery with whom I have no contract with nor have I given my consent for them to communicate with me. They have violated the following codes ; 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692g, Identity theft as defined by 15 USC 1681a ( q ) 3. I have identified 22 instances of each of the 15 USC 1692 codes and 44 identify theft violations totaling 154 violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: Experian Information Solutions Inc.
State: MI
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:
hard inquiry not made by me. XXXX  XXXX 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 2018-05-04
Company: Nations Recovery Center
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 - I received a call at work asking for me under my name maiden name. Quickly I responded and said there is no one under that name. 
I check my credit report because I don't want any surprises, I noticed they were seeking my information. 

I find that this debt collection agency to be in breach of FDCPA, prohibits debt collection calls to your job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: NAVY FEDERAL CREDIT UNION
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:
XXXX XXXX XXXX XX/XX/XXXXlast 4 ss # XXXX After filling complaint with XXXX XXXX reporting agencies XXXX XXXX and Navy Federal continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's Navy Federal contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. XXXX XXXX act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Could not pay the loan due to losing job and loss of child support. They have used a third party debt collector to contact my family threatening to serve me with an arrest warrant in the next 30 minutes. They call my phone spoofing my dad 's number so I will pick up and threatening she will be at my house in 15 minutes with an arrest warrant to go to jail. My kids are scared as am I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I purchased some fireworks from XXXX XXXX on XX/XX/2019. 
Their was an issue with the mailing my order to my home due to the fact that they were hazardous, so I tried to change the address. After waiting several week, calling multiple times and emailing the company just to get bo response and no answers, the mailing Company told me that my order was sent back to XXXX XXXX!!! I called XXXX XXXX and finally got an answer, I asked " why hasn't anyone called me or emailed me about my order being sent back " and their response was " we thought you forgot ''!!! After all the frustration I had built up inside I still maintained my professionalism. I asked first if I could get my refund and they replied that " they don't think they can, because they don't keep their history of payments from customers ". Then I asked if they could send it back ... ..A year later I still haven't received ANYTHING!!!!! O just want my {$530.00} back!!!! I would like my {$530.00}, I spoke to the receptionist and the manager, and nothing has happened. I called multiple times, emailed yall multiple times and haven't got any response!!! I need my money back!!! The fireworks haven't been sent ... I haven't touched the box ... nothing!!! I don't want the fireworks just give me my money, THAT'S 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 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company to dispute accounts and requested validation of the accounts. The accounts are being reported on my credit reports negatively. I have submitted FTC and police reports to company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2019, I applied for a Capital One Quicksilver. The website ran an advertisement that " earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening '' ( See https : //www.capitalone.com/credit-cards/quicksilver/ ) To get the bonus I purchased something that I do not need that time only to get bonus. I am an international student in the United States and this is not easy for me. 

However, I did not receive any bonus. When I phoned them, the customer service agent told me that I do not quality for this. When I asked why I do not qualify, they told me that we can not give any explanation but you do not qualify. 

Also, the advertisement told me that I will get 0 % Introduction APR for the first 12 months on purchase but they have been charging me interest for the last few months. When I asked the customer care agent and they told me that I do not qualify for this promotion and they did not give any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Penn Credit Corporation
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:
I received a collection letter from XXXX XXXX on Friday XX/XX/21. XXXX XXXX is found in Texas. I have never lived in Texas and did it authorize these accounts to be opened. Someone has my social security number in Texas and Im a victim of identity theft. 
This thief opened 5 energy bills in 5 different Texas locations. They were never paid off and they never left a credit card on file or anything to trace back to them. They used my maiden name and social to open these accounts. 
The cred collection company Penn Credit Corp. is aware as I called them right away on Friday when I received the notice of collection. The account number is XXXX. When I called the collection company they actually made me aware of worse news that I have 5 accounts not just one as stated in the letter.

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