BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: TX
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:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-09
Company: AMERICAN PACIFIC MORTGAGE
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original FHA loan originated in XXXX of XXXX at a rate of 4.75 %. We did a streamline refinance in XXXX of XXXX to a rate of 3.25 %. I made the XXXX and XXXX payments XXXX XXXX was skipped due to streamline ), these were on time, actually 2 weeks early each but irrelevant. I received a call from my loan officer who stated they canceled my FHA case number by accident and would would need to re-sign. She then had another loan officer contact me who stated we must do a full re-fi as the case number was canceled and can't be re-instated since it was canceled before closing. He stated the company is not able to sell my mortgage now since there is no case number. They are offering a no cost re-fi and a lower interest rate but I have to go through full credit pulls and the entire process. I have reluctantly agreed but am skeptical. Am I obligated legally to do this? If I refuse do they have a right to keep the monthly PMI I am paying for an FHA loan that technically doesn't exist since there is no case number? I have not signed or closed anything on a full refi yet as it is just getting started.

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 2021-04-21
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This letter confirms I was eligible when I applied for student loan forgiveness in XX/XX/XXXX and wrongfully denied XXXX times XXXX dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The letter states I was eligible in XX/XX/XXXX. It also confirms I am XXXX payments over the XXXX required payments. Hence we are in XX/XX/XXXX and seven months ago I qualified for forgiveness. I could be done with this process had I been approved for forgiveness in XXXX XXXX when I first applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: CADENCE BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
So on XX/XX/XXXX I was charged an additional XXXX dollar for an overdraft fee. 
There was an overdraft fee on XX/XX/XXXX were the bank is saying since they charged me the XXXX dollars for overdraft fee they covered the balance. So they decided to charge me an additional fee on the XXXX of XXXX were my balance was XXXX dollars. They went an explained that since they covered the balance for their own overdraft fee. So they are saying of you maintain a negative balance they will continue to charge you XXXX dollars of overdraft fees until you put extra funds in the bank. Seems unethical for them to do it and keep approving this charges if later they will come back to charge additional fees. This is a new tactic from the new bank that took over bancorpsouth. Now owned by cadence bank. The issue is being faced by many people with this bank but they will not refund. Spoke to XXXX who was thinking the same as me that it should get refunded but supervisor XXXX denied it to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT PROFILE. PLEASE REMOVE THESE FRRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND SEND AN UPDATED COPY.

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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't 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 explanation
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Since 2020, I have been contacting Capital One to let them know that they closed my account in error. Every representative that I have spoke to tells me something completely different. I have went through so much pain and agony with all of the thing Cap 1 has tasked me to do just to turn around and deny me credit and the reopening of my consumer credit account. I have repeatedly let them know that whatever was sent to them stating the account was fraud or not mine, wasn't someone I, XXXX XXXX sent them. Capital One states they found that the documents sent by a 3rd party ( not me ) was valid. How can that be when the information never came from me, XXXX XXXX. I did not allow any XXXX party to submit documents on behalf to close my Cap 1 account. 

Capital One has had data breaches where account information was accessed. I feel as if I am not only a victim of the denial of credit with Capital One but I am also a victim of the data breach as well. I, XXXX XXXX, the consumer, am asking for a resolution and the reopening of my original Capital One account. 

Please see info for the Capital One Data breach. I have contacted the CEO several Times. I will now contact the CFO. 

Capital One Bank has announced that the highly sensitive financial and personal information of more than XXXX XXXX banking and credit card customers was accessed and stolen by an outside hacker. The XXXX  XXXX reports that the alleged hacker has already been arrested by the FBI. Capital One Banks failure to protect this data is an unacceptable breach of customer trust, and XXXX XXXX XXXX is working to hold the bank accountable and to seek compensation for those affected. Contact us right away to find out if you are eligible to join a class action against Capital One. 

At this time, we know that the following types of personal and financial information were hacked : Bank account numbers Social Security numbers Credit card applications, including income figures, home addresses, and dates of birth At this time Capital One is denying that credit card numbers and online log-in information were exposed. The FBI says that the hacker intended to distribute the stolen information, and it is currently unknown if they were able to do so before being arrested. 

This is what has happened, and when I am letting Cap 1 know that there was something sent to them in error, they believe it is not possible. If someone can steal and access my Capital One account information than surely someone is able to send paperwork acting on behalf with wrong information. I NEVER sent Capital One any information claiming the account as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Hi my name is XXXX XXXX, The card number ending in XXXX XXXX was use on my XXXX account, On XX/XX/XXXX I identified that my card statement have been fraudulent and have a lots of XXXX XXXX charges that i did not purchase, I file a report to chase immediately, i also have XXXX XXXX XXXX card on file, i report to both card company and also report to XXXX and XXXX close my account after knowing the activity. 
The amount that was fraud with chase was for about {$50000.00}, and for XXXX XXXX XXXX was about {$17000.00}, XXXX XXXX XXXXXXXX and Chase both return the money back, however in few week, Chase reverse the decision and reverse all the charges back to my card, i contact chase asking why, they just informed me they need to investigate the case and it may take them up to 90 days, that was XXXX first week XXXX, I wait day by day, there was no phone call no email or letter from chase, I was charge {$8700.00} interest charge as well during this period of time while waiting for them, I reach out to them end of XXXX, and was told to wait again while they investigate the case, I call back end of XXXX was rest assure to wait and they will take care of me, I been calling back every other week to check, was always told to wait for a resolution while they are still investigate and they promise they will take care of my issue, finally after i start calling every Friday, and ask for a supervisor, they informed me on XX/XX/XXXX the decision is they will not honor the claim and we are responsible to pay for all the fraud charges. I have in between the time provide all the information they needed, and i'm upset it took them almost 8 month to finally come to a decision and charge me almost {$800.00} interest a month and they told me every month those interest rate will be credit back to me once the claim is resolved. I want chase to remove the fraud charges and also credit me back all the interest rate they charge me on my account. thank you again for helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: TX
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 filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # 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
Consumer complaint received 2020-06-09
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Mobile money application Cashapp is holding my {$500.00} based on a claim that was filed through my XXXX XXXX XXXX account on the date of XX/XX/2020. The claim has been closed on both parties and XXXX XXXX has stated that they released the funds to them on XX/XX/XXXX. CashApp has frozen my account because of this claim and I have tried contacting them to either unfreeze or check if there are {$500.00} pending to be released to me but they have not responded. Both parties banks have confirmed that the money is now in limbo and we would just like that money returned to the original senders account. Also, Cashapp had stated that a refund would take place and it obviously was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My current bank, Bank of America, has placed a 10 day hold on a deposited check. This is the second time this has occurred in a span of less than 6 months. On XX/XX/XXXX I have deposited a check for {$2000.00} from the company that manages my 401k, XXXX XXXX, no funds from the check were available {$0.00} once the deposit was made. I paid extra money for these funds to be expedited, obviously I need the funds. Bank of America state my funds will be available on XX/XX/XXXX. I have reached out to Bank of America and requested that the deposit hold be shortened. I understand the reasoning behind these hold and how ultimately it is done for the customers benefit but it is unreasonable to hold a check from a reputable company for more than 7 business days. This is not a personal check, I explained this to two customer service representatives from Bank of America, one of them a manager. I revealed personal information that is highly sensitive explaining the financial difficulties that I am enduring. To the point that I have withdrawn money from my retirement funds. I requested a 5 day hold and they were adamant that nothing could be done. I feel undervalued as a customer, this is money I was counting on because I have things to pay. If my account has insufficient funds they will charge me {$35.00} for each transaction. Again, making the rich, richer and the poor, poorer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: National Collection Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being sent a bill from National Credit Management which is trying to collect on a debt from the original creditor XXXX New Hampshire University for services that I did pay for out of my financial aid and I am being double billed from the university and now put in collections. My bill was taken care of while I was at attendance at XXXX and then my award was readjusted after I received my refund when the term was over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MI
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 Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my XXXX, XXXX, and Equifax credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Navy federal credit union has two of my closes accounts. Credit card and closed car loan amount. My phone number is blocked in there system and determined i am NOT allowed to dicuss settling these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
SOFI is a bank Im using over the past couple months. And this week ( XX/XX/22 ), they frozen my account for fraud protection. I tried calling them but they keep telling me that all of their representatives are busy and never answer. I then made a discover credit card payment using SoFi and the payment got sent back because of the account being frozen. All my money is on SoFi and if I dont pay this credit payment, my score will go down. I really need need this issue fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation