BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I did 3 transfers from my Navy Federal Credit Union XXXX XXXX XXXX XXXX for {$2.00}, {$3600.00} and {$5000.00} to later find out I was being scammed. I was under the impression I was getting a turn key XXXX. Once I found out that it was a scam I spoke with the bank and explained to the representative what was going on and to try an have my money returned back to me. I was told that I would need to get a lawyer because it was a civil matter. I spoke with several lawyers who reviewed the info I received from XXXX XXXX XXXX and said it was a scam better known as crowd funding and to speak back to my bank to try to get my money back. I spoke back with Navy Federal Credit Union explaining to the representative that my money was sent to a scammer business account there with them but was told its not anything that could be done because I sent the money peer to peer and once I hit submit the money was gone. I was told nothing could be done because it was just like when you send money on cash app or XXXX. I explained to rep I know something could be done because I have sent money to wrong account on XXXX XXXX and was able to dispute it to get my money back. However, my bank is helping XXXX XXXX XXXX steal money from me and numerous of other people. I just want my money back i paid to XXXX XXXX XXXX for a fake XXXX. All, I got was signed contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as 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 2015-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
For many years my wife and I banked with Capital One Bank and the institution it gobbled up during the financial crisis, XXXX XXXX Bank, before that. It has been a profitable relationship for the bank and for the most part satisfactory to us. However on XXXX XXXX we received separate unsigned XXXX snail-mail letters sent from an unidentified Capital One office in XXXX, XXXX, announcing that they were closing each of our accounts with no explanation. They claim, erroneously, that we agreed upon opening the accounts that they had the right to close it ( in fact, they took over the account from a predecessor bank ). However, we have no desire to contest that claim or to bank further with a company that treats customers so shabbily. Both accounts were in good standing and had ample funds on deposit. A {$5000.00} line-of-credit attached to my account, also in good standing, also was closed. By trackable express mail and also by E-mail I asked the CEO of Capital One to have someone contact me or send an explanation but received no reply. I asked the manager at the branch in downtown XXXX where I conducted most of my in-person business, but he was clueless and referred me to a customer service phone line. I spoke to several people by phone in that customer service center, squandering a great deal of time. A case number was assigned and each one promised to have a higher-up contact me. But nothing happened. I believe I\we each deserve an explanation. I am aware that Capital One is one of the sleazier financial institutions in the country, having paid XXXX of dollars in fines for unlawful corporate misbehavior. But in this instance their behavior is simply irrational, though probably not illegal. Why would a financial institution shut the door on a paying customer in good standing? What sort of judgment does that reflect on its corporate leadership?. If it received information from a government or a private source about activities on our parts that could affect them, are they not morally obligated to share that information with us, their customer? We have moved our accounts to another bank but we insist upon a written explanation signed by a responsible official from Capital One Bank as to what information or action caused them to act in such an offensive and disruptive way.. I want them to share with me any and all information so that if it is in error, we can attempt to correct it, and if I or we have done something that concerned them there is an opportunity to address that action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check through mobile banking whi ch Webster Bank approv ed. Almost a week later they returned the check. I contacted the bank on  X/XX/17    and the representative notified me that the check was returned because they could not read the check even though they approved it. She told me she would reverse all of the bank fees. I cashed the original check and deposited cash. On  X/XX/17   . I received another notification of a fee. I called to have it reversed and the bank refuses to reverse it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have filed a complaint against Trans Union for reporting incorrect information on my student loan. Trans Union reviewed my complaint and on XXXX XXXX, 2016 corrected the late payments on my student loan and responded to my complaint in writing. On XXXX XXXX, 2016, I discovered that the late payments were reinserted into my Trans Union report. Credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Trans Union needs to delete the late payments on my student loan immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is an accounting error on BMW 's end. They are reporting me late in XX/XX/2020 because they messed up. I called them and they even confirmed it was an error on their end. I am very upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
I have filed a previous complaint against XXXX and the creditor for defamation. i provided both agencies with pertinent information to validate my claim and my wish of having this erroneous and negative information from my credit report. I am in the process of buying a house and can not move forward without resolving this issue. 
I have attached the credit reports that highlights the inaccuracies for your review. Also, if you are not able to complete the investigation with results, I am wondering what the purpose of the CFPB? Why file a complaint if nothing can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
in a letter received dated XXXX XXXX, there is information having ( XXXX being one of the parties name in letter ) that property located at XXXX XXXX XXXX XXXX XXXX, was sold at the Courthouse door of XXXX County , Georgia . during legal hours of sale.However, the Courthouse door of XXXX County Georgia was not lawfully designed as an alternative for sale and was not mentioned in the Notice of Sale XXXX XXXX was able to view in a letter dated XXXX XXXX, 2016 from XXXX XXXX XXXX ( McCalla Raymer Pierce , LLC. ) Also, The letter dated XXXX XXXX it stated XXXX was hereby notified that possession was demanded by XXXX who now owns the property.The letter also stated " If possession is not relinquished Immediately, dispossessing proceedings will be initiated to evict XXXX XXXX the other parties.XXXX also received a letter stating that the landlord has filed a lawsuit against XXXX XXXX and XXXX XXXX received another notice being a defendant and XXXX being Plaintiff ... .Another complaint XXXX XXXX has is if an eviction occurred and XXXX was landlord then all court records including property taxes, tenants and joint surviivorship ownership of property should show evidence that things where handled properly and legally by these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NY
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:
Everyone I called to say that I could n't pay my loan they would put in forbearance and I have to agreed on paying interest. I felt that my situation was getting harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a complaint in XXXX XXXX. Regarding Green Tree Servicingin applying my mortgage payments holding themand claiming that they arenot being paid when I made the complaint with you the filds but the third party of my payee and nod I was not even notified until I pulled title from the title company what is going on pictures my payment for being taken out of my account not being applied to my mortgage my loan modification was approved in XX/XX/XXXX from XXXX XXXX I made my complaint with you they started backdating documents not applying credits over XXXX {$180.00} plus several more XXXX that were true compared to my payee and they are stillcontinuing a hardship on me and I need them to cease and desist on harassing me I have my phone calls they have never ever sent me any document as such I have asked him several times for my receipts on my payments I have my bank statement for being such payments to them they are to be treated with distrust I can not get through to anybody but one person always direct me to a specific person named XXXX XXXX XXXX need you guys to look into this company they by their phone numbers say they are changing their name company name I have not been notified nor have I been notified of it in OD on my own property and they are still continuing taking my friend Fund 's thru my payee and not applying my account gave it to a a company by the name of XXXX Services Incorporated XXXX XXXX California I have never been contacted by themthat might be green trees continues calling me on a regular daily basiswill you get ahold of this company and have some action happen my name is XXXX XXXX XXXX I 'm in XXXX XXXX Californiathey can contact XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In mid XX/XX/2020 I paid off my Yamaha boat loan with Yamaha Financial Services. The balance was roughly {$27000.00} and they said they would mail me the title. It has been over 60 days and they have not mailed me the title nor have they sent me a lien satisfaction letter so I can request a title from the DMV.

I have called them over 12 times and each time they tell me they tell me they will mail me the title. I have spoken to many associates and XXXX is the manager involved. XXXX has always promised me a call back within 1-2 days and he has never called me back, not once, to update me on my title.

Yamaha is fraudulently holding my title and refusing to give me the title. I paid off the title so I can sell the boat. In this financial crisis I am in need of money and Yamaha should provide me with my title. They are restricting the ability for me to support my family as income has gone down.

Account # at Yamaha XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Paypal Holdings, Inc
State: OH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have a XXXX ( XXXX ). I completed a job for a customer, I hand delivered the parts, and the customer is happy with the results. Unfortunately, the customer wanted to pay via credit card, so I used PayPal to process the transaction. The payment cleared, but PayPal is holding the funds for up to 21 days. Not to mention the fact that they take an additional 3 to 5 business days to transfer money to my real bank. I called and spoke with a PayPal customer service representative as well as a " specialist ''. Both reps were nice, and tried to be helpful, but the earliest they are willing to release my funds is by next Thursday, XXXX XXXX. This is amount of time is ridiculous. I understand that PayPal needs to earn interest on my money, and the longer they hold my funds, the more interest they make. The longer they hold the funds, the greater number of bills that I have are going past due. My credit rating is being destroyed while PayPal makes money. And I paid them nearly {$100.00} to process the credit card transaction. And I 'll have to pay to transfer the money to my bank account. 

Most people agree that electronic commerce is nearly instantaneous - why is it necessary for companies to withhold funds for ridiculous lengths of time? I 'm being punished for doing my part, providing a quality service, and delivering on time, only to have PayPal not release my funds until it is very convenient for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX, XXXX, and TransUnion for almost two years. I now know why there is a class action lawsuit filed against XXXX, XXXX, and TransUnion in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On numerous occasions, I have asked the 3 major credit bureaus to please stop reporting mis-information. I sent all three credit bureaus a copy of my license and a bill to confirm my personal information. 

I've also asked them to verify and validate that the information is correct. Credit reporting laws ensure us that the credit bureaus must report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: HSBC NORTH AMERICA HOLDINGS 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:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. Hsbc Bank Usa Na- JXX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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. the list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681 XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$6900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 15 U.S.C 1681c. ( a ) ( 5 ) section 2 : it also states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
BB & T placed a lien on me personally. The obligation has been satisfied in full.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am pleading to have my goodwill request fulfilled. I have been an over 3 decade long customer of XXXX and hold many assets. XXXX stated to me that they do not submit anything in goodWill. This is outrageous. I am elderly and dealt with a life event in which My payments slipped through the cracks. I satisfied my obligation as soon as possible. I visited the branch in XXXX XXXX. To make them aware of my situation but yet they still reported me late. Please remove the lates on my XXXX  account out of goodwill please.

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 2020-07-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke with a manager at XXXX XXXX XXXX XXXX offering to pay a charged off account for deletion and was advised that the account was with collection agency XXXX XXXX XXXX. XXXX advised that if I called them and paid they agree to delete the account from the credit bureaus. I paid and the account has not been deleted. 

I also called XXXX XXXX XXXX  and had the same conversation with a manager  offering a pay for delete and was also told that they would have the account removed after I make the payment. I made the payment and the account has not been removed. 

I am requesting that Equifax delete XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did n't receive a notice five days prior to this creditor inaccurately reporting debt that is not owed to my credit file. The law states that a consumer must receive prior notice of their right to dispute and XXXX XXXX XXXX XXXX failed to adhere to the law. This debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation