BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: DISCOVER BANK
State: ME
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and I am XXXX years old. In XXXX 2015 I received a phone call from XXXX saying my computer was ready to crash and needed protection. It scared me to think it might crash and I would lose everything. They said they could fix it, and protect it, if I purchased their program. I accepted their advice, and offer, and used my XXXX card as payment. However, after thinking about it, I did not have a good feeling and worried it was a scam. The very next morning I spoke with XXXX and XXXX to cancel it and issue a credit. XXXX was not happy I wanted to do that, but said it would be done. I spoke with XXXX and they issued a pending credit, which showed on my last statement. In late XXXX we moved and I no longer even have that computer. 

I just received my most recent bill and the credit was reversed. Both I, and my husband have been on the phone with XXXX and XXXX today trying to resolve this. We called XXXX first and they said to call XXXX. I then spoke with a woman there who said it had been cancelled. She connected me to someone else, but i was disconnected. 

We are looking to you to get this resolved as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the week of XX/XX/XXXX, my CHECKING account got hacked into. The total amount taken from my CHECKING account was XXXX. However, I only got back XXXX. I called them again about where my remaining XXXX is they said they could not find a claim for that amount. So I thought, oh perhaps they somehow missed in our first conversation that the date of XX/XX/XXXX and onward are not my transactions. That includes XX/XX/XXXX. I made it clear, the only transaction that is mine is a payment to my credit card for XXXX and a XXXX of XXXX. Anything else was not mine starting XX/XX/XXXX up to XX/XX/XXXX. I called them several times only to be moved around from department to department for hours with no one able to help me. During this time my SAVINGS account was also hacked. I did get my full refund for that claim with no issue. It is only the CHECKING ACCOUNT that they have NOT funded me for the full XXXX dollars. Attached is proof of XXXX additional claims that make XXXX sense and are NOT the remaining XXXX that I originally asked for. I NEVER made a inquiry about the XXXX cents or XXXX cents. I did make plenty of inquiries and asking for the XXXX dollars that is still not returned ....

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 2022-02-25
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2016-04-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
A loan was supposed to be placed in in-school deferment and was not, despite assurances from Navient that the loan qualified. I contacted Navient both through their online form submission system, and via phone call prior to or shortly after enrolling in my final classes for graduation XX/XX/2015. ( In school period was XXXX 2015 through XXXX 2015 ). It was then reported delinquent to credit bureaus and has destroyed my otherwise good credit. I have a long history with student loans through XXXX XXXX / Navient and have had a great record of payment. I have attempted getting this resolved through Navient and have been told incorrect information, had the phone call disconnected, not received return phone calls or emails, and have had a dispute outstanding with them for over two months. Most recently I was transferred to work the dispute with their customer advocacy team and have experienced the same slow and lacking communication, no follow up on their promised deliverables or timeframe, and a complete misinterpretation and misrepresentation of the initial dispute I filed with them. This is causing extreme financial hardship as I have sold my home and am unable to qualify for a new mortgage because of the incorrect delinquent reportings on the student loan accounts. It has also caused financial hardship to the co-signers on those student loans. In addition to the in-school deferment issue, there was also an issue where several requests for due-date changes were never applied to the account thus resulting in additional delinquency reportings despite my best efforts to keep the account current. When the account was transitioned from XXXX XXXX to Navient is when all of the issues began occurring. Nearly every phone call I attempted to make to Navient at the start of the issues was transferred several times, often the call was disconnected, and I was provided incorrect assurances in several instances. I have never experienced a company so misleading and difficult to work with, and have never experienced so many technical and phone system issues. It is terrifying that they are in the student loan business. They have destroyed my credit, and I will be without a home and with no means of getting a loan in three weeks because of their inaccurate information and lack of responsive and responsibility in handling the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am trying to resolve a derogatory statement on my credit report, but Navient can not seem to locate my account, nor provide a reason as to why they are still reporting on my account. 

I do not understand how they can report on the account without knowing who they are reporting against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXCLUSIONS its ILLEGAL TO REPORT INNACCURATE INFORMATION on my consumer report. 
DELETE ALL WITHIN XXXX DAYS

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 2022-02-25
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXCLUSIONS its ILLEGAL TO REPORT INNACCURATE INFORMATION on my consumer report. 
DELETE ALL WITHIN XXXX DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: VA
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 Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Consumer Financial Services Solutions, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I signed up with Beyond Finance to help me settle with my credit cards after my divorce that caused the debt. I understood how they work but they gave me misleading info about contacting my creditors. I thought that they will let all of them know that they working on my behalf to help me settle. What I found out they only contact one creditor and I couldn't even find where the rest of the debt was. After researching everything I found out that they were in collection and didn't know that I am doing something about the debt. When they settled with one creditor, they were so happy to tell me but I found out that they made all the payments to cover the settlement agreement but the last payment they made was on the wrong date and the settlement was terminated as stated in agreement with my creditor. The creditor stated in the agreement that they will accept the settlement but payments must be made on certain dates or the settlement will be terminated. I have been calling them about it right away so they can fix. It started in XXXX and now is XXXX and nothing has been done. 
Beyond finance lied to me they tried to make a payment on the right date but there is no record with my creditor that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
Crooked and deceptive Elan credit card still trying to rip off customer. They have found a legal loop hole in order to XXXX the customers who trusted them to be honest in their operations. When i found out these crooks had a work around charging customers interest if they pay off new purchases every month. After they admitted deception and they really have no legal work around they refunded the interest charged. I closed the account to sever ties with the thief 's. The person in customer service failed to tell me that the rewards points earned would be lost. I was NOT informed of this theft of honest earned rewards points. I strongly urge all consumers to stay XXXX away from elan financial as they go out of their way to XXXX the customers over. They have plenty of reptile lawyers to pervert the rule of law to XXXX customers. They are driven by GREED and EVIL INTENT to XXXX the customers any way they can.

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 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
The person who did it XXXX XXXX date of birth XXXX XXXX she did sell unauthorized transfers from my bank account to hers made online cash app transfers and withdraw money at ATMs all are not authorized

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 2021-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
BofA once told me to send the last 10 digits of my debit card to them within their specific secure e-m reply site. I did. BofA then impeached its own instructions by saying that what I had sent to them AS IT INSTRUCTED ME TO DO was unacceptable. 

BofA replied with a stupid comment. STILL WILL NOT EITHER FIX its e-m security code link -- - AND -- - REFUSES to send a SIMILAR CODE VIA C-PHONE TEXT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX 

added note re CFPB website : Q on p.5 of 5 re is anyone else involved in this matter only offers 2 choices -- - NEITHER applies -- - my HUSBAND ( XXXX XXXX has 100 % been involved and helped me and has 100 % access to my personal and financial info but is NEITHER a joint account holder nor an additional card holder -- - he is involved because I WANT HIM TO BE, and he has my 100 % XXXX authority and account info access, ... not for BofA 's legal dept reasons. his e-m is : XXXX. your website needs this added option answer for this question. otherwise, your website is very good. thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been have dealing with this issue with Bank of America for a long time. We are losing our home and we actually have a foreclosure date of XXXX the XXXX. We are currently going through the process again to try and receive another Trial modification. The last trial payment that we were approved for we could not afford it was almost {$1600.00} and since we could n't afford it we were declined. Now the trial mod we received before then we paid all of our XXXX payments as instructed but we were denied that time because of a notary issue. We had the documents notarized XXXX separate times, one time we even went to a branch at Bank of America as instructed by our representative and we were told the documents were still notarized incorrectly. Because we were having such an issue with the notary Bank of America had a XXXX party notary contact us to meet us at our home to notarize our documents. The day of our appointment the 3rd party had an issue, and the company did n't have another person to notarize our documents and our appointment was cancelled. I spoke with a representative from the bank and the notary company that Bank of America connected us with, and XXXX parties assured me that because the appointment was cancelled by the representative that our modification would not get denied because it was not our fault that the appointment was cancelled, and that Bank of America would honor it because they bank knew we were working with a party they contracted. All of this transpired on a Thursday and Friday. Our modification documents were due over the weekend and when Monday came we were told we could not send the documents in because we missed our deadline date. Even after I was assured that would not happen. I spoke to our representative and he said he would look into the issue. I never heard back from our representative and a few weeks later we got papers in the mail stating our modification was denied. When I called the rep he told me it was my fault and said that all I could do was start the process over again. I told him I was going to appeal and he told me it would n't do any good, I contacted the appeals department within the 30 days and spoke with a gentleman who then told me I was supposed to go through that with my rep because their department does n't handle appeals anymore, but he also gave me another number to contact, I had been speaking to a person who told me my account had not been handled correctly and she began researching it for me, until all of a sudden her calls stopped, by this time 30 days had passed and the bank was telling me that I did n't contact the appeals department in time, but I clearly did. I do n't know if you can pull and research my file in time but I certainly hope and pray you can help me because I do n't know what else to do.

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 2022-02-25
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: Account status incorrect

Complaint:
RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my XXXX XXXX XXXX  # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having XXXX report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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 status incorrect

Complaint:
RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my XXXX XXXX  loan # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having XXXX report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my TransUnion credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again XXXX, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact XXXX made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. TransUnion information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from XXXX, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.

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 2020-01-17
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am having an issue with Navy Federal credit Union taking Funds out of my checking account without my permission or notifying me before the funds were removed. I received a refund From XXXX XXXX XXXX  in the amount of {$2900.00} to pay for my other classes, books and supplies need at XXXX XXXX XXXX XXXX XXXX am a dual-enroll student. The money that was taken was my financial aid to pay for upcoming classes at XXXX XXXX XXXX XXXX starting on XX/XX/XXXX, XXXX but the financial aid and student loans that was meant to pay for those classes and books was taken by Navy federal credit union XXXX XX/XX/XXXX. Navy Federal took out {$2200.00} as soon as it hit the account. so I contacted Navy federal about this transaction and told them that the funds was from Financial aid I was then offered {$500.00} returned. then I filled a complaint with the XXXX on XX/XX/XXXX but Navy federal is still refusing to return the funds removed even after being informed that the funds were from a financial aid and student loans package.They have only offered to give me XXXX XXXX.of the funds back. I have contacted XXXX about my account and they have put my amount on hold until XX/XX/XXXX. I would like to get this resolved as quickly as possible so I can focus on my studies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation