BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal information and identity to open up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Fair debt collect practices, the company Navient has abused several articles by contacting several people outside of the persons on the account in attempts of collection. I filed for forbearance in XXXX of XXXX and was granted until XXXX of XXXX but they have constantly been calling members of my family and friends that I do n't know how they got their phone numbers and information because my name and mothers name are the only ones on the loans. And the practices calling and telling people that it is a emergency that they speak with after my forbearance was approved there was not need to speak with them. But just practices of attempting to collect on the debt are not within the rules of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received a 'firm offer ' of a guaranteed 'pre approved ' refinance of mortgage. The card, from American Financial Network , Inc. said that my rate was guaranteed until XX/XX/2020. 

When I called them on XX/XX/2020 to take advantage of the offer, it no longer existed and a new rate that was higher than that on the card ( over 4 % ) was offered instead of the 2.75 % rate 'guaranteed '. Call made at 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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THE DISPUTED INQUIRIES DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

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 2017-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I WOULD LIKE FOR THE LANGUAGE OF DISPUTE TO DISAPPEAR FROM MY CREDIT REPORT. SINCE IT SAYS THAT I AM DISPUTING THIS ACCOUNT AND I AM NOT OR AUTHORIZE TO HAVE THAT ON MY CREDIT REPORT. FOR THE ACCOUNT 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 2021-01-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I used PayPal to purchase what I thought was a sanitizing vacuum/mop from XXXX at the beginning of the outbreak of Covid-19. After two months I still had not received the merchandise and I contacted PayPal to notify them of the issue. They gave me the run around so I filed a dispute with my bank ( XXXX XXXX XXXX ). A few weeks later I received the merchandise but it was NOT was I ordered at all. They sent a child 's plastic piece of junk! Immediately I contacted my bank and told them about the junk I received. After several months of back and forth my bank notified me that they could not get my money back from the merchant 's bank. This was after they told me that if I returned the item they XXXX XXXX XXXX did not see why they the merchant could not give me my money back. After I paid {$70.00} dollars to send the item back I had to argue with the merchant to give me my refund back. They refused for months, until XX/XX/XXXX of this year they agreed to return my money. Then they sent me a notice that said they could not refund due to a non existing chargeback. I received another email of " proof '' this morning stating the same thing. They assure me that PayPal can return my money and PayPal says that they can not. All I know is that XXXX should be held liable for marketing fraudulent companies, and PayPal as well for not protecting the consumer from fraud. I have told everyone I know to NEVER use PayPal or buy anything they see on XXXX! Both of these companies should be ashamed of themselves!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have owned my home since XX/XX/2008. 
The original loan amount was {$70000.00} I was told that PMI had to be included. 

I have paid my loan on time for over 12 years. 
The house is worth three times as much as I purchased it. 

Every year, I ask for the PMI to be removed and every year, I get a different story. 
This year, I asked and the representative told me that I indeed qualified due to I have paid up to the amount to remove only for Wells Fargo to come back and state '' now you need more money. 

I would like the PMI removed.

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 2015-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015 I applied for a principal reduction on my mortgage with Keep Your Home California. In XXXX 2015 I received a letter from Keep Your Home California stating that I had been approved. They stated that they would be electronically sending a check in the amount of {$43000.00} to Bank of America that would lower my principal balance by {$43000.00}. This money was posted by B of A to my account on XXXX XXXX, 2015. 
I have been trying to " recast '' my mortgage so that it makes sense to me and have spoken to at least XXXX people at Bank of America ; in all different departments ; mostly CSR ; s, but a few supervisors and managers. I have spoken with B of A reps from XXXX, just to name a few. 
I am still waiting for Bank of America to " recast '' my mortgage so that my monthly payments will be affordable for me. 
Short of flying to XXXX, XXXX, to storm the office of Bank of America 's CEO, XXXX XXXX, I do not know what to do. 
I need help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. I no longer want an impound account. I wish to pay my homeowner 's insurance AND property taxes myself, as that will " free up '' more money for me during the month for other bills. I am on XXXX XXXX XXXX and have a limited monthly budget.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I arranged for a transfer of funds from Marcus ( Goldman Sachs ) to a XXXX account. I linked my account at XXXX by providing them with my login details and initiated the transfer. Marcus put a hold on the funds and did not call my cell phone ( despite indicating that they did ) due to 'potential fraud activity '. When I called Marcus to indicate that it was an actual transfer from me, they had returned the funds to themselves. Upon verification of my identity they did not seek to reinstate the transfer, which has resulted in lost interest revenue on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported fraudulent transactions on XX/XX/XXXX from the XXXX XXXX. 10 days later, in violation of Reg E, they still did not credit me back. They then said, on XX/XX/XXXX, that " you have used this merchant before so it isn't fraud ''. Which is entirely false and egregious reasoning behind denying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Linebarger Goggan Blair & Sampson LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection letter from Linebarger Goggan Blair & Sampson, LLP over two unpaid tolls amounting to {$10.00}. The collection notice also added {$50.00} in fees. The tolls were incurred over a year ago. I made multiple efforts to pay the tolls around the time that they were incurred, however I was told multiple times that there was no record of the money owed so I could not pay. I sent a letter via both postal mail and fax explaining my previous efforts to pay, and I enclosed the full amount demanded in order to evidence my good faith effort to pay the debt. By not allowing me to pay the debt, and then subsequently sending a demand letter which includes fees and other charges, this firm is engaging in an unfair and deceptive trade practice. After I sent the letter to the firm, they made no effort to investigate this matter or contact me to resolve this in any way. The letter is dated XXXX XXXX, XXXX and the checks were cashed on XXXX XXXX, XXXX. 

Additionally, this firm is violating the FDCPA by sending letters that would confuse the least sophisticated consumer. The letter clearly states that no lawyer has reviewed the account or made a determination as to the legal status. However, the letter also cites the statute which provides for payment of tolls, and then straightforwardly concludes that I owe this money as a result. It is plainly misleading to state that no attorney has made a determination yet state a legal conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 4 checks for {$7500.00} each from my personal XXXX XXXX account to my personal Chase account in an attempt to move all of my money over to Chase. Chase then disallowed me from using my entire account and sent me a letter threatening to close my accounts if I didn't call them to give information that they never requested. I called and customer service said they needed to call XXXX XXXX to confirm the deposits. They added XXXX to the call and confirmed that all checks cleared, but they STILL held the funds on one of the checks for no reason and refused to unlock my account. They said I had to go to the bank to close it in person. I went to the bank and they called the fraud department, who said they needed to call XXXX and confirm that my account exists. They did that, but then still refused to release the funds so that I could close it out. They finally released the funds at the last minute, but said they couldn't close it out because their system is old and the restriction would take yet ANOTHER day to release the hold so that I could close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: NAVY FEDERAL CREDIT UNION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had accounts with NFCU since XXXX. I have logged into my online account since XXXX, and used XXXX XXXX XXXX for logging in and all my browser use since XXXX. It refuses my login after 16 years of my logging in : it has trackers installed. These trackers include XXXX and XXXX and XXXX. ( See attached screenshots. ) This is underhanded, violating privacy, and should be illegal for a financial institution. It apparently wants me to disable my tracking blockers. I have exclusively used XXXX or other XXXX XXXX since XXXX. The FTC even has several web pages on how to protect privacy in four different browsers. Since XXXX or earlier, NFCU login page has intermittently refused to allow me to log it. See attachments including rejection message. I had not previously had trouble logging in. I have called with a complaint to NFCU at least once. They did nothing but tell me to use XXXX  browser or restart my wi-fi : XXXX XXXX has worked for XXXX years of my use. I reported it to the XXXX with no response. The login rejections have become more frequent. I refuse to disable my ad blockers and tracking blockers. NFCU 's response to use XXXX because its programmers flunked everything but XXXX in high school is unacceptable. XXXX  violates privacy. Its other responses to reset my computer and wi-fi worked intermittently, and now do not work at all, and are an unacceptable " solution ''. I attach several screenshots of my blockers blocking XXXX trackers, XXXX trackers, XXXX analytics, XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX. It is unethical for any financial institution to have XXXX, XXXX, XXXX, XXXX, XXXX XXXX  and XXXX ads and trackers. That is a reprehensible practice by any institution, but even more suspicious, unethical and criminal when practiced by a member-owned financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In response to my complaint to CFPB Complaint number XXXX, Toyota shows that they have removed the account from my credit report instead of updating the Credit Filing Rating Status to " GOOD ''. They refused to show me dates that show my wife, XXXX XXXX ( joint account SSN XXXX ) and I were late in which we were not and I showed them the many descrepancies they had on both of our credit reports showing the wrong last date of payment and they show XXXX XXXX day late payments instead of XXXX that is reported on all XXXX of my wife and my credit reports. All we wanted was our report to show a " GOOD '' rating and instead it looks as if Toyota took the account completely off our credits reports as if the account never existed. We just wanted both of our accounts to reflect a positive rating. Toyota account XXXX and my spouses ( XXXX XXXX ) CFPB Complaint number is # XXXX. It is a joint account and we both are trying to get this accouterments with Toyota cleared and our credit rating in GOOD standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient, formerly known as XXXX XXXX, has reported 3 of my payments as " late '' to credit agencies when the payments were not late. Although Navient has reversed the late fees that they had initially charged, once I brought to their attention that there were no late payments, Navient has never notified the credit agencies of this error. The dates/months/years falsely reported as " late '' are as follows : - XXXX/XXXX/2010 ( was charged a late fee in the amount of {$25.00} ; fee was reversed the same month ) - XXXX/XXXX/2010 ( was charged XXXX late fees : {$20.00} AND {$13.00} ; XXXX fees were reversed the same month )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: TOYOTA MOTOR CREDIT CORPORATION
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 information incorrect

Complaint:
Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The 2nd repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: M.A.R.S., Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of my apartment in 2014 and never received the bill of around {$45.00}! When I checked my score and saw a collections for that amount I called M.A.R.S. Inc immediately and paid the balance and asked them to take this report off of my account! They said if I paid they would remove the inquiry and never did! This was a total accident with no correspondence other than an old bill that I never received! They took this to collections without the proper due diligence. It is neglectful and unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: NRA Group, LLC
State: FL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2016-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i took out a student loan in XXXX for {$8000.00} from XXXX. after paying on this loan i still owe {$7200.00}. i filed bankruptcy in XXXX and was told could not file this loan because it was a student loan. am XXXX now and on fixed income. told could not do loan forgiveness because it was a private loan through Bank Of America. i have paid a total of {$7400.00} which all but {$200.00} went to finance fee, late charges, and something called int capitlztn. what can i do about this problem? can you help me with this. i have paid for 10 years and can not do it anymore due to my fixed income ...

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