BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by NAVY FEDERAL CREDIT UNION XXXX I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by NAVY FEDERAL CREDIT UNION on XX/XX/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by NAVY FEDERAL CREDIT UNION adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), NAVY FEDERAL CREDIT UNION is now civilly liable to pay me for the damages. Receiving an inquiry on my XXXX  consumer report is a receipt showing that a consumer credit transaction occurred ( see Exhibit A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Stellar Recovery, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint relates to case number XXXX. The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an XXXX office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is XXXX, XXXX After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
On XXXX I received another bill from XXXX, so I called them to explain that I had already paid the bill. They demanded proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by XXXX. 
Today, I received a bill from Stellar Recovery , Inc. for the same debt, dated XXXX XXXX, XXXX. XXXX is continuing collection efforts of a debt that has been paid for almost a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: NY
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 have incorrect information on reporting on my credit.

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 2021-12-24
Company: HANCOCK WHITNEY BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or about XXXX XX/XX/2021, I opened checking account with Hancock Whitney with {$51.00} with promotion of cash back bonus. The terms and conditions of this promotion and bank account is quite complex to understand : Monthly direct deposit of {$250.00} - total of {$500.00} per month Maintain balance of {$1500.00} to avoid minimum balance fees/penalties. 

As this account was new and Hancock Whitney messed up with my online access, it took a while to setup direct deposit. I requested Hancock Whitney to give me a grace period as this complex terms like " average daily balance of {$1500.00} '' is somewhat difficult in the very first 90 days. But Hancock Whitney customer service was not willing to budge at all. Hancock Whitney customer service is not at all approachable via phone - very long wait time. 

On or about XXXX XXXX, Hancock Whitney charged {$12.00} fees for not having {$1500.00} average daily balance for that statement period. Customer is not having any access to average daily balance tool and i also pleaded to waive off for the first 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Pinnacle Credit Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I owed XXXX XXXX {$360.00} a couple months later, Pinnacle Credit Services LLC was on my credit report. Moreover, a year later i settled the debt with there XXXX party which i dont understand because t tey have a lot of XXXX parties. Anywayway upon payment it was agreed that the debt was settled and will be closed and taken off my credit report after 30 days. They sent me XXXX letters verifying account is closed. I disputed to all XXXX credit burueas twise and it is still on my credit report and they keep reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX issues:1. My XXXX payment was made on XXXX XXXX, 2015 and was not credited to my account until after I emailed the CEO, XXXX XXXX, on XXXX XXXX, 2015. In my email, XXXX of the things I requested as follow-up was a written response informing me if my XXXX payment was reported as a delinquency to the credit bureaus. I never received a response and would like an update. 
2. My XXXX payment was made on XXXX XXXX, 2015 and has n't been credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-12-01
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Franklin Collection Service, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A collection agency has been calling me over and over even contacted my work twice after my general manager telling them not to call my workplace and they called back a second time and spoke with me and I told them not to contact me at work and they would n't tell me how they got my work phone number. They call my cell phone back to back almost every day of the week, I have cell phone bills to prove that and screenshots on my phone showing back to back phone calls in the same day. I have told them I wanted to dispute the matter and I still have n't received anything for disputing the debt. They have told me if I did n't pay this debt they would be suing me and garnishing my wages and they keep giving me a certain amount of time to pay off a XXXX debt. Every time I talk to them they ask for my full social security number address and phone number. I feel like I 'm being harassed, and they are making me feel very uncomfortable and uneasy asking me for all this personal information. I asked them last night what the matter was concerning when they called and they said it was concerning a hospital and I asked what about and the lady would n't tell me all she would say is she needed my info it was a matter with the hospital. I asked why they could n't call me if it was concerning them and they said because they hired them to do it. I just know its not professional and it 's making me feel harassed to the point I want to change my phone number and address and even my place of employment. This is crazy and scary and it 's not even accurate. I 've told them this time after time and they still continue to harass me. Their name is Franklin Collection Service, INC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Navy Federal Credit Union unexpectedly closed my entire access to my accounts, due to one account ( checking ) being delinquent. I have no access to all my accounts that have been current, including my mortgage. I was told to call a " security specialist ''. I called the specialist and was told I was banned from Navy Federal and that I will have no online access to any of my current accounts. They are utilizing strong arm tactics and unusual tactics to make it hard to make payment on all my current accounts to include my mortgage ( a VA loan ), which I have never been late on. 

Navy Federal is failing to follow the 2016 order listed below : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-union-pay-285-million-improper-debt-collection-actions/ Specifically from that order and is my situation : " Illegally froze members access to their accounts : The credit union froze electronic account access and disabled electronic services for about 700,000 accounts after consumers became delinquent on a Navy Federal Credit Union credit product XXXX This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts. '' Navy Federal needs to allow access for me to access my information to all my accounts online. They are not following the 2016 CFPB order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: BB&T CORPORATION
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I sent a XXXX wire transfer to XXXX, but in the XXXX bankthey say they only received XXXX XXXX. over XXXX dollars are lost. 
my bank here says they send it, and the bank there says they only receivedXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: EQUIFAX, INC.
State: IL
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:
Please remove these negative items off my report it has been more then thirty days and I have not been notified but the bureaus at all these accounts have not been verified and I did some research and if its not verified it has to be removed and original documentation has to be shown I am completely frustrated by not having these items remove

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Tried to access my checking account with Bank of America and was unable to do so. Went to the bank and was told account was frozen. No one was able to give an answer why. Went home and received a letter from the bank stating my accounts ( XXXX ) plus my daughter 's accounts were frozen and will be cancelled without an explaination. The letter was dated XXXX/XXXX/2015 and I received it on XXXX/XXXX/2015. Letter stated 'your personal checking/savings account ending in XXXX will be restricted in 7 days and closed 14 days from the date of this notice. Now we are talking XXXX and I can not access my account and there is only a XXXX # to call, which you can only get an automated voice telling you to leave your name, # and account # and they will get back intouch with you. Went to the bank and they can not help me because they can not see my accounts because its frozen. This is very unfair and the bank seems to forget they are dealing with people and not a number. The issue is both my checking and savings account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection agency named Pro-Collect in XXXX, that has posted a debt on my credit all three bureaus for an old apt complext XXXX XXXX XXXX XXXX XXXX. 

This debit is false, XXXX XXXX XXXX XXXX got mad because I wouldn't renew my lease after almost 3 years. After my lease was up, I did month to month for two months and then left. 

They even signed out the keys and all, then waited almost a year later with a {$1700.00}, claiming I didn't give notice. Even though I did before the lease was up and before I even did the month to month. 

They even kept my {$500.00} deposit and claimed the {$1700.00} is for two more months of rent, that I wasn't even living there. I had been gone almost a year. 

I moved out the last day of XXXX 2017 and they still charged me rent for XXXX and XXXX 2017. Even though I wasn't under a lease and had already been gone.

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 2020-04-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX  on XX/XX/XXXX through Chase Bank, from XXXX XXXX XXXX in XXXX Tx. The loan was for drive out {$34000.00}, after talking to the finance man I was given a payment amount only. Next next day I saw a balance of {$40000.00}!!! I immediately went back to the dealership that Monday to cancel all extras. The first refund was for {$1500.00} and the other money eventually came off the balance I owed Chase. The {$1500.00} on the other hand has not been credited to my account and I am still paying interest on money that I don't owe Chase Bank. The dealership showed me that Chase cashed the refund of {$1500.00} on XX/XX/XXXX but it has not been applied to my balance. Chase said one loan was cancelled and they sent the check to that loan. I've told them the was my money for my loan and please credit it to my account. They said they sent it to the dealership but the dealership had recieved no check. Chase was supposed to cancel that check and send another but nothing has happened to.this date. I'm stuck paying interest on money I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It XXXX Concern : XXXX XXXX, XXXX Experian XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following creditors have made unauthorized inquiries onto my credit report. 
Please contact these creditors and provide me with a complete written explanation for precisely why they have obtained my consumer credit report. I did not authorize these credit reports to be obtained and I want an explanation : XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft. I did not take out this loan.

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 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft. I did not take out this loan.

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 2021-12-24
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant repeated calls, inflated amount owed nearly doubled, offered settlement with no negotiation. Lost my job due to XXXX took 6 months to get unemployment check but they didnt want to hear that. Very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: ALLY FINANCIAL INC.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX XXXX lied about amount of payment. They said they will change it after threats of taking the truck back but they had already sold my trade in. I was going to contact Attorney but then the wrote a new contract with the right monthly payment. Its been 2 months and Ally financial still does not have new contract. XXXX actually paid my last month payment but Ally broke their contract by not applying my first payment to the proper month. My first payment due date was XX/XX/21 I made payment XX/XX/21. After 5 attempts of reaching out verbally a emailed 2 times. Every associate from Ally has lied and said it will be taken care of in 2 days. I now have paid late fees and have to deal with this on my credit report. I feel they both are in Breach of contract Ally Financial and XXXX XXXX of XXXX Ks. Can anyone 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 explanation
Consumer complaint received 2020-10-06
Company: Diversified Adjustment Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I pulled my credit reports to find a collection from DIVERSIFIED ADJUSTMENT, in which I did not recognize, claiming that I owed a debt for a phone bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor could not confirm that my information matched the information they had on file for the supposed debt. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts as I never had an account with this phone company. With this information I sent out a debt validation request certified ( attached documents ), requesting supporting documents be mailed to me within 30 days of receiving the debt validation request. This company never responded. I then attempted to contact the company directly, where I was met by a rude representative that claimed that I would just have to pay the debt for it to go away. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX and XXXX   deleted the account after conducting its investigation. However XXXX stated the account had been verified. I requested a method of verification used by XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified as accurate. I then bought a service called XXXX, that accurately pulls all 3 credit reports and compare the information. The comparisons were inconsistent being the collection agency was reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it can not be validated as mine. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I feel as if this company is taking advantage of me and is trying to force me to pay a debt that does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation