BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I went to the navy federal ATM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I tried to deposit {$680.00} into the atm. The deposit was canceled by the ATM. It stated it would return my cash. The ATM had an error and a receipt came out that stated We encountered a problem returning your cash. Please contact your financial institution. I did just that and 10days later they deposited my money. XX/XX/2022 I received a message they denied my dispute and took {$680.00} dollars from my account. I have the receipt for their institution ATM that states the had a problem returning my cash, but that was not prof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion is furnishing unauthorized Inquiries on my consumer profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX , AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of EDXXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX  XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2018-06-18
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PayPal placed a hold on my account 7 months ago for unknown reasons with a statement stating they would send instructions to release the funds in 6 months. 6 months went by without contact. I spoke with a representative on XX/XX/XXXX who stated that the funds would be released in 3-7 days. I received no contact and the funds were not released. I contacted PayPal today, XX/XX/XXXX, who stated that they were going to review the account, but given no timeline as to when the funds would be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: EQUIFAX, 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:
Between XX/XX/2018 and XX/XX/2018 XXXX retail was added to my account and it was closed due to inactivity. I have never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 I was approved for a streamline modification. The payment amount expressed was {$740.00}. 

Payments were made in the amount express XX/XX/2018 {$740.00} XX/XX/2018 {$740.00} and XX/XX/2018. 

Payments were completed successfully on XX/XX/2018. 

XX/XX/2018 receive Congratulations letter from SPS Servicer on XX/XX/2018 That I was approved for a modification and the {$750.00} and if accepted must signed agreement and return by XX/XX/2018. 

On XX/XX/2018, I contacted the Sps to informed them I have not received the executed documents back on their end. 
I was told the payment was {$820.00}. 
I told him that payment was higher than expressed signed correspondance agreed. 

I was told they would check it out was a hold up on sending me the executed agreed modification papers On XX/XX/2018 XXXXps rep called me very rude trying to make me pay and oral amount instead of the Express agreed amount. I hung up and first told him he was unfair to the consumer to ask me to pay more than agreed On XX/XX/2018, I called back to speak with a supervisor. I was told that they could not help me and I also informed them my tenant has died. 

I asked to delay payment to give the spouse time to apply for husband benefits. Inform them because of a change in circumstances because of the death. Tenant was not able to pay. 
Asked Sps to delay payment.

Sps said they had not sent the executed modification docs received by myself because the payment had change. 

So I have been misled and had to file a complaint since that was not what I was credit and approved for and could not afford. I already had to pay {$3000.00} for water Bill 's for this tenant out of my on pocket that now I cant even pay my own bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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 OREERED A STOVE RANGE ON THIS CARD I HAVE NOT RECEIVED IT HAS NOT BEEN DELIVERED. I TRIED CALLING THE COMPANY ( XXXX  ) WHERE I PLACED THE ORDER, COMENITY BANK HOLD THE CREDIT CARD ACCOUNT. I CALLED TO DISPUTE THW CHARGE AND THE BANK IS VORRIED ABOUT A MIDDLE INITAL SOMETHING DON'T SHOW ON THE PAPER CARD THEY SENT ME,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One Auto finance had violated my right this account is NOT mine. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have 3 separate savings accounts that are custodial accounts from when my children were small. Two of them are XXXX XXXX  and one is XXXX XXXX XXXX. They still have funds in them and now that my children are older I would like to give them their savings. These accounts were setup when they were young. I researched through the internet who now took over these banks and found that Bank of America had them. On XX/XX/19 I contacted Bank of America at XXXX. The customer service representative stated that they had no record of the accounts and I was to contact Unclaimed Property at XXXX which I did. It lead me to the Connecticut Unclaimed Property site. The information for these accounts and our last name resulted in no match. I contacted Unclaimed Property by phone and they stated I needed to send a copy along with a letter to Unclaimed Property Research so that they can see if they can locate the funds. I received a letter back that they had no unclaimed property under those names. I contacted the Banking Commission at XXXX and they were able to verify for me that the FDIC site did show that Bank of America either purchased or merged these two banks. I did call back Bank of America and tried to speak with someone else but they sent me back to Unclaimed Property again. I am writing today because there is approximately {$5000.00} in these accounts and I would like to gain access to turn my children 's savings over to them. I am attaching my information about the accounts as well as the letter from Unclaimed Property. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
Capital One pulled my XXXX credit report twice onXX/XX/XXXX and XX/XX/XXXX, and my XXXX credit report on XX/XX/XXXX without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after Capital One pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.
<P/>
I have sent a letter and made multiple calls ( XX/XX/XXXX and XX/XX/XXXX ) on the matter and yet they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inquiries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and Capital One remain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd like to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.
<P/>
Capital One must remove these inquiries from my XXXX and XXXX reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2019 - XXXX called leaving a message to resolve a debt or " proceedings '' will be initiated. Stated that something was mailed to my address. No mailing is at my address. Stated that company is Integrated Recovery XXXX. Phone number given in the voicemail is XXXX. 

This company has called from other phone numbers prior to this call as well. 

This webpage also has statements that the 877 number above actually does not belong to Integrated Recovery XXXX : https : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-01-17
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am currently. a victim of identity theft my information was stolen in XXXX data breach. I never open. up this account in my name the credit report agencies removed this account, but it appears back on my credit report. I certify that i am permitted by Federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 USC1001. Additionally these misstatements are punishable as perjury under 18 USC 1621. This Collection found on found within my credit report are not related to any transaction i made. I am alleging that a person or company- without my authorization used my personal information to apply for good services, or money and was successful in creating some accounts all being investigated by the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: BlockFi Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have communicated to the company to close my account and withdraw my digital assets yet they insist that I first accept their updated terms and conditions. 

I refuse to accept their updated terms and conditions and they will not proceed to honor my account closure and withdrawal request. I can not gain access to their website to manually withdraw my funds without first clicking to accept their updated terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have an open dispute with Synchrony Bank ( complaint ID # XXXX ) due to {$290.00} XXXX XXXX XXXX I cancelled from XXXX XXXX  and still awaiting the outcome and update of the dispute. I have not used my card since I was in the XXXX XXXX XXXX on XX/XX/2022. I have not authorized any purchases since then. Now on XX/XX/2022, my card was charged {$2300.00}. I let Synchrony Bank now that this charged amount is fraud. I have not used this card for anything since my last purchase in XXXX XXXX. This is fraud.

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 2018-10-12
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On approximately XX/XX/18 both my checking account and savings account at Discover Bank, were closed and the money was " frozen ''. The checking account had no funds in it, and was a joint account with my mother, XXXX XXXX, The savings account was in my name only, and ends in XXXX. I was told that they suspected some kind of fraud on the account and that they would be doing an investigation. They could not tell me when I would be getting my money back. There was approximately {$4300.00} in the savings account. My mother, XXXX XXXX spoke with : " XXXX '' in the Fraud Department at Discover Bank, and " XXXX '' an " investigator at the corporate office in Delaware. XXXX said that she would be conducting an investigation. She told me to send her information about where the money came from. I send her a document that showed that XXXX had transferred money into the savings account since XX/XX/2018, on a regular basis, and I sent her a letter from the Social Security Administration showing that I had received Social Security XXXX Payments into those accounts at Discover, for nearly a year. My understanding is that social security payments are not allowed to be frozen, except by the federal government.Despite telling " XXXX '' this, no movement was made to release any of the {$4300.00}. I was told that I would hear from her within 30 days, as to the disposition of the {$4300.00}. I have not heard from her as of yet, nor have I heard from anyone else at Discover Bank. I need this money in order to pay for my college tuition. I am attending XXXX CT State University presently. I am a freshman, and need this money in order to continue attending the University. I just want my money back, all {$4300.00} of it, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a letter was sent to XXXX XXXX asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ),  FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. In the Summons, Exhibit A ; The Bill of Sale is stating the Agreement was made dated XX/XX/XXXX and Closing Date XX/XX/XXXX, however the Amounts Due have been removed from this document and was signed in XX/XX/XXXX by the " Seller '' and " Purchaser ''. The Schedule 1 to Bill of Sale is missing information in the table listed. An additional Exhibit A ; The Bill of Sale is attached, stating the Agreement was made dated XX/XX/XXXX and Closing Date XX/XX/XXXX however the Amounts Due have been removed from this document and signed on XX/XX/XXXX by the " Seller '' and XX/XX/XXXX by the " Purchaser ''. The additional Schedule 1 To Bill of Sale is also missing information in the table listed. The Affidavit attached appears to be electronically signed by the Custodian of Records, whom appears to be located in California and notarized by another employee of the company on XX/XX/XXXX. The notary statement " Subscribed and sworn to ( or affirmed ) before me on XX/XX/XXXX by XXXX XXXX proved to me on the basis of satisfactory evidence to be the person who appeared before me. '' By filing this Summons, Weber & Olcese, P.L.C. has violated the Fair Debt Collections Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff XXXX XXXX  has.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2019, I contacted Navient for my Son 's private Student Loan. 
II borrowed XXXX and now the Interest is so high it is triple now. 
I always call every month to pay. On XX/XX/XXXX and also in XXXX and XXXX, I had called to make sure payments were processed, on Two occasions when I called in XXXX, 2019 and XX/XX/2019, The representative stated My payments were current and I did not owe any money until the following Month .... 
So I noticed an email the very next day in XXXX, after making two payments to get caught up ... .and over the phone the representative said, " You are current '' nothing is due until next month ... .. 

So same thing happened in XX/XX/2019. I gave a payment over the phone. 
The next day and over the phone I continued to have emails, and phone calls stating that i owe two payments ... ..When the Rep said, I was caught up. 
So I called them back to speak with a Manager, and the Manager stated that they never received my payment. I gave them my payment over the phone and they said, I was caught up. I checked my bank account, but the payment was never taken. 
So I had to call them back in XXXX and do everything all over again ... ..Because the previous payment was never processed. In XXXX, I made two payments and they did go through ... ... but they stated that I still owed them money even though they Explained " I was all caught up ''. Then emails and phone calls keep coming in saying I did not pay. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am reopening complaint number XXXX. 
This issues have not been reoslved despite repeated attempts on my end. The instructions from the IT department were insufficient. They did not work and it is not the issue. The issue is that IT did not close out the last prior loan. Please ask them to re-open and resolve the complaint. It should not have been closed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit report act XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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