BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX FOLLOWING CHARGES FILED AND TAKEN FROM MY ACCOUNT WITH CARDS I NEVER OWNED. XXXX AT XXXX XXXX, {$930.00} TAKEN FOR PURCHASE AT XXXX XXXX ON XX/XX/20 XXXX XXXX, {$200.00} PURCHASE AT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20, XXXX PURCHASE AT XXXX XXXX XXXX ON XX/XX/20 AT XXXX WITH NET SPEND CARD ENDING IN XXXX WHICH IVE NEVER OWNED. {$2100.00} PURCHASE AT XXXX XXXX ON XX/XX/20 AT XXXX WITH NETSPEND CARD ENDING IN XXXX, WHICH I HAVE NEVER OWNED. AND YET IT WAS ALL DEDUCTED FROM 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 2021-10-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021, I consumer XXXX XXXX received a notification that NAVY FEDERAL reported negatively on an account that is being disputed. That is a violation of the federal law, 15 USC 1666a ( b ), 15USC1666b ( a ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ). I contacted NAVY FEDERAL on XX/XX/2021, to resolve this issue and remove the late payment in which they refused. I informed the supervisor XXXX, who refused to inform me that she was a debt collector, which is also a violation of the law. NAVY FEDERAL was ordered to CEASE AND DESIST communicatin with any third parties, in which they acknowledged reciept of such letter on XX/XX/2021 ; at this time they are in violation of that letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The loan payments have not been correctly and accurately reported to the credit bureaus. on XXXX the payments from XXXX XXXX to XXXX XXXX are missing. 
XXXX the payments from XX/XX/XXXX to XX/XX/XXXX are missing XXXX payments from XX/XX/XXXX to XX/XX/XXXX are missing.also the loan was paid off XX/XX/XXXX.on my credit report it is showing a payment made 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 2021-03-21
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 my fiat balances on Binance.US was around {$4000.00}. A few hours later I checked back on Binance.US and my balance was {$2500.00}. So where did my {$1500.00} in XXXX  went? My account trading is also disable and I can not buy, sell, withdrawal, and deposit. I tried to reach out to Binance.US on every single social media page. I message and also email. But so far no reply. My case/ticket number with Binance is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called past co workers, childhood friends, and mother in law. Some of these people I have n't spoken to in years nor know their phone numbers myself.

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 2017-03-16
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I found that US Bank opened a fraudulent credit card account under my name for a thief, who somehow stole my SSN and maybe DOB. As the thief also reported a brand new address, which does n't match any of existing addresses in my credit reports, US Bank should conduct more rigorous underwriting process and due diligence, require proofs of the new address and contacting me at the address that is listed in CR 's. They also should be surprised ( and stopped ) by total absence of any mortgage for this new property and seeing that my existing mortgage for the CR listed address is not paid off ( like if thief told them that he moved ). This negligence makes US Bank an accomplice in the Identity Theft.

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 2021-03-21
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Callings all-day long. Customer service is rude.. never received paper work because I '. Unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: FC HoldCo LLC
State: MI
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:
My XXXX is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. 
XX/XX/2020 2020

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 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of the XXXX Data breach and my social security number has been compromised. I am a victim of Identity theft. I have an abundance in fraudulent accounts on my credit report that are holding me back in life. I have filed an Identity theft report and have accompanied all my other documents such as my Identity and Bill as proof. Please help me! Credit is essential for life in the United States and I'm unable to move on with my life due to people opening accounts in my name.

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 2015-07-08
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
After a deal for a loan fell through for finance on a house the finance person XXXX XXXX XXXX called the VA and misrepresented herself to obtain information on my previous history with the VA. She then posted an email online claiming that I lied, defrauded the government, that i somehow convinced a person at the VA to go into the system and change information for me. I started working with XXXX XXXX back in XXXX 2015. She in later passed my financial package on to another person in her company who later, around XXXX XXXX, 2015, that a financial deal could not be reached. Later XXXX XXXX called the VA representing herself as if she was still involved with me on obtaining financing for housing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Consolidated Information Services Solutions, LLC
State: CO
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 was supposed to close on a hard money loan with XXXX XXXX XXXX on XX/XX/XXXX. He told me they don't do loans on commercial properties but still pulled my credit without my authorization on XX/XX/XXXX. A XXXX search of the company quickly reveals they have scammed several people

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled my credit file and saw I had XXXX ( XXXX ) collection item from Ad Astra Recovery Services. The creditor is XXXX XXXX XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XX/XX/2013. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX and got a promotion letter from the Citibank on opening the account. 
On XX/XX/XXXX I visited the Citi branch XXXX XXXXXXXX XXXX XXXX, CA XXXX, presented the Offer and asked to open the account base on it and deposited the requested amount to get the bonus {$500.00}. 
The bonus was not paid on time listed in the promotion and I called the bank in XXXX. The banker told that bonus will be paid in XX/XX/XXXX, but no pay in XXXX again. Called to the Citi but still no bonus. 
Complaint via CFPB on XX/XX/XXXX. Citi miss-up with offer type, dates, amount in it first response but after a second complaint to the CFPB it paid the slice of the bonus listed in the it Offer and closed the case. 

In the letter from Citi in addition to the invalid date XX/XX/XXXX XXXX on the Offer they claimed that I accepted {$400.00} bonus instead or {$500.00}. This is not TRUE. Just read Citi response on the inquiry on XX/XX/XXXX from XX/XX/XXXX. There is that I not eligible for bonus at all!

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 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted XXXX XXXX XXXX about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all 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 2016-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
My account was sent to collections regarding an account that covered my checking account in the event I had insufficient funds. Currently I would like to agree on a settlement. 

I have had terrible luck in communicating with any representative to settle this collection issue.

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 2021-03-20
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This started in XXXX on the XXXX when we switched our mortgage over to a biweekly payment. The NewRez system does not allow principal only payments via their website or automated telephone service so I am forced to speak with a person each time. Problem is they have limited hours and are now closed on weekends ( due to Covid ). So, on XX/XX/XXXX I called them to make a principal only payment of {$3000.00}. The first person I spoke with hung up on me. So did the second. The third attempted to make the payment but stated she was unable to due to a biweekly payment already being processed so I would have to wait until XXXX. I do not find this acceptable since I feel I have the right to make a payment whenever I choose, per the contract terms. I gave in and they were supposed to apply my {$3000.00} principal payment that Monday. Monday came and went, as did the entire week. I looked at my account with NewRez on XX/XX/XXXX and saw that they tried to make the principal only payment three times but were unable so they charged me a {$15.00} NSF. I called this morning, XX/XX/XXXX. Again, two people hung up on me. I then asked for a supervisor who also hung up on me and made no attempt to call me back. I finally reached a supervisor after hours spent on the phone who was willing to help. She listened to the phone recordings and determined the customer service agent was in error so she reversed my NSF fee. She also stated she would process my now {$3100.00} principal payment ( to differentiate from the other {$3000.00} payment so that I can keep track of their errors XXXX. Except this time, instead of applying it all to principal she applied it as a regular payment ( escrow, interest, and principal ). Honestly, I have had it with this company. To top this all off, NewRez does NOT apply a biweekly payment to the mortgage until they receive two payments for the month. This means I am not collecting interest on my money they are holding onto for two weeks each time, but am still accruing interest on the mortgage which otherwise would be reduced the principal component of the biweekly payment. I believe this is illegal. Their customer service at best is incompetent, at worst, extremely RUDE. Never helpful since I have to waste hours yet AGAIN on this coming Monday explaining how they screwed up again. No person should have to endure such idiocy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Navient Solutions, LLC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Bill received via USPS, stating they represent my local government and I need to pay this bill of {$330.00} Municipal Services Bureau XXXX XXXX XXXXXXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: LJ Ross Associates
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: Account status incorrect

Complaint:
6 accounts is the collection I need be removed from my account is bloke my life please

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Self Financial Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Today, XXXX/XXXX/15, I was reviewing my credit reports when I noticed a derogatory collections remark added to my XXXX credit report from SW Credit collections Agency. I was caught by surprise because I never received any collections notification with the right to dispute this debt that I do NOT owe. I am dumbfound by such a collections approach. To me this seem to be fraud and defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-22
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going or allow me to withdrawal or transfer my funds. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for some time now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: NJ
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Montgomery County Credit Bureau
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency got my medical information and should n't have. I signed statements on this account they have on file that the account was n't mine. 
They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They XXXX called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information in error. No collection agency should have been given my medical financial information. 

This company has filed an account on my credit report, even though I disputed this account, yet it stayed on my record and they continue to harass me every day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received results of an investigation.

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 2015-05-27
Company: PNC Bank N.A.
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
PNC bank has been contacted to cease all telephonic communication but has not only continued calling but has started calling others in my family to try and collect the debt.

Company response to consumer: Closed with explanation