BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-14
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Credit card
Issue: Application processing delay

Complaint:
the credit card issuer navy federal fabricated the credit card credit amount which was maxed out based on revenge for filling prior complaints regarding fabricated credit by navy federal and their agents and associates in fact. 
navy federal futher failed to return fraudulent payments of XXXX to a va inspecter related to the home mortage at XXXX. 
navy federal failed to pay back fraudulently stolen money from I pay global of over XXXX dollars I filed a fraud complaint regarding navy federal fabricated prior credit denials for mortgage on XXXX XXXX XXXX. 
my home XXXX XXXX which was corrected after my initial ftc complaint. then let the mortgage run out claiming my name was un would not be accepted by them as grounds for no va loan but my name was registered at va as such when done. also their agents refused to give me pr proper answers to questions regarding an inspection by a home inspector. 
this droping of the mortgage application by fraud of nfcu is used by them to now claim my fault credit card dbt high is my fault when theirs for fixing credit and mortgage application denial and denying subswquent XXXX on bad creted nfcu manufactured with prior budys at credit bureaus and others. 
futher the fabricating of credit by nfcu is equal to or higher than what is claimed owed on fabricated credit card debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have an agreement with my mortgage company ( Pennymac ) for them to pay my real estate taxes out of an escrow account. I recently ( XXXX ) received a notice of delinquent real estate taxes from my county advising me my home will be put up for sale on XX/XX/XXXX if payment is not received. The payment was due XX/XX/XXXX. 
Pennymac is notoriously difficult to deal with on the phone ( hard to get through to an agent, agent is not knowledgeable ), so I sent a message to them through their internal Website messaging system. I am waiting to hear an explanation for how this could be and that they will be paying the past due amount immediately and will include payment ( out of their own pocket ) for late charges and interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The practices of this company are oppressive. They are purposefully dragging there feet in processing my application. I have turned in information to no avail. I turn in information and it takes 4-5 days for a response. When I call I leave messages. I have called and every time they say they need a different document. I send in the document the same day and then I don't receive a response for five days. I am slowly accumulating more missed payments. If I'm not approved I have to come up with the amount due.

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 2016-12-31
Company: Sortis Financial, Inc.
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I continue to get harassing phone calls from Clearspring Financial. I recently received a letter in the mail with them threatening me that I must pay back a loan that I never got from them. I went through a foreclosure in 2011 and they sold part of the loan to Clearspring. They changed their name twice since 2011. I already lost home and now it appears that I 'm still being held accountable for something that was foreclosed upon in 2011. I have paid Clearspring money because they used some very aggressive practices when I was initially going through the foreclosure. I was literally afraid of what may happen. Now, I 'm tired of being threatened by them and having this thing over my head for years. Can someone stop them??

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 2016-06-26
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Someone stole my personal information and identity and got an auto loan from UAC/Car hop. I am a victim of identity theft. I have never applied for an auto loan with UAC/Car Hop. The account is unauthorized and fraudulent and do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Navient Solutions, LLC.
State: IN
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:
I have filled out all proper forms previously. X 2 I'm now getting calls w/no name given only # 's about garnishment. 
Ive been a XXXX XXXX  for XXXX yrs. Full time for XXXX of those years & grandfathered in as Full-part time for last XXXX yrs. 
Why have I not been offered the forgiveness & I must continue to fill out the same type forms. 
My tax refunds were kept in 2019 then later given in XXXX - XXXX as I had been paying the payment agreed upon. And fought w/IRS for the evidence of why refund was kept. The covid happened & now credit report states no paymens XXXX delinquent payments of 180 late payments. Savi agency has worked w/me repeatedly to also find that the agency will not anser the calls or return calls I've left with credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently disputed a claim from this company that I owe them monies to which they were unable to, on multiple occasions, provide me with the verification I requested. They removed the items from my credit report only to repot them again under a different abbreviated name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: TX
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed the debt with the collection agency. The only result I get back is that it is accurate. I do not receive an explanation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I obtained a Timeshare from the XXXX XXXX in XXXX XXXX XXXX, XXXX in XX/XX/XXXX and was told that if the time share was not being used I could sale or rent my timeshare at any time. Fast forward after many payments to XX/XX/XXXX when a " legitimate '' law firm and buyer ( XXXX ) attempted to purchase the time share with full represented documents and personal information from the XXXX XXXX. The so called purchase included falsifying the XXXX  in XXXX, multiple banks in the USA and XXXX, and a Law Firm ( XXXX XXXX XXXX ) in New York that turned out to be the main creator and perpetrator in this highly organized scam. Over the course of many months I had lawyers in New York and XXXX plus the XXXX bank USA XXXX XXXX team investigate the matter. I eventually was informed that it appeared to be a scam that included the wire transferred funds to XXXX. They all concluded the money transferred back into the USA and was orchestrated very well and, actually could have been an inside job including the XXXX XXXX employees. The lawyers felt it would be a waist of time to litigate a large Timeshare company that is based in XXXX and USA. They warned me of the potential of trying to exploit more money through the collection agency side and harm my credit if you stopped paying after the Fraud. Unfortunately, this is exactly what happened. The XXXX XXXX never formally contacted me about sending my account to collections or credit agencies. Lastly, I filed a case with the Treasury Department of the US and currently have a case number. Since then, I have been contacted several times by a different Law Firm in XXXX XXXX California that was assigned cases of a so called XXXX time share scam. I have not contacted them at the request of other lawyers. This is a summary of a tremendous lengthy and costly ordeal. My credit should not be harmed in this unjust occurrence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I rec 'd a letter on XXXX/XXXX/15 from TD bank informing me that the bank was to begin charging {$4.00} monthly fee on my XXXX account on XXXX/XXXX/15. I am appalled that a bank would begin charging fees before contacting me and allowing a period of time to move my funds if I were to choose to do so to avoid the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: SC
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:
After carefully reviewing my credit report, I noticed a major error. There are DUPLICATE accounts with the same account numbers on my credit report. The following accounts are 1. XXXX XXXX XXXX ( Act Number XXXX ) 2. XXXX ( Act Number XXXX ) Under the provisions of the XXXX Fair Credit Reporting Act, I hereby request that your agency fix this issue immediately. This erroneous error is detrimental to my overall credit rating and has caused me severe emotional and financial distress. I request that you immediately remove the duplicate account from my report and send me an updated report after the duplicate account is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Moneygram Mobile wallet services to send {$170.00} to my mother in XXXX on XX/XX/2021 and the money was suppose to be made available within 4 minutes. However, today is XX/XX/2021 and the money is still not available for my recipient even though the receipt clearly states that the money will be made available on XX/XX/2021 or sooner. I called Moneygram multiple times about it but each time I'm told the only solution is to wait for up to 90 days for their investigation to be completed. Meanwhile, my mother is sick and needs the money ASAP to cover medical bills. I requested that the transaction be cancelled and I be refunded but they said it is not possible given the type of transaction. I want them to refund my money now or make the money available to my mother today and they should compensate me for the big inconvenience and unrealistic delays. 
The Reference number of the transaction is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I asked for my yearly credit reports from Experian, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and XXXX stated they had been sent, but I never received them. Experian would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
In XXXX, 2015, I used the web services of all XXXX major credit reporting agencies as part of a major credit-relevant transaction. For all agencies, I requested the minimal cost ( {$1.00} ) credit report. For Experian and XXXX, without my knowledge, I was enrolled in credit monitoring services. This resulted in monthly charges to my account ( {$21.00} for Experian, {$17.00} for XXXX ), until I finally noticed these charges on my credit card statement this month ( XXXX ). I called each agency, cancelled my enrollment in their credit monitoring services, and requested full refunds. Each agency refunded only XXXX month 's worth of charges. 

I am generally a web savvy consumer. I find it very hard to believe that I was provided with reasonable notice or information that by requesting my {$1.00} credit report, I was also enrolling in a credit monitoring service. I strongly suspect that Experian and XXXX are using their critical roles in our credit reporting system to charge customers monthly without those customers ' affirmative consent or knowledge. Given the trust that we must place in these agencies, this is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2016-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Please find attached copy of my recent credit report from XXXX credit reporting agency. On page XXXX of this report is currently showing an incorrect amount of tax lien from XXXX county, CA. recorded XX/XX/XXXX. Its effecting my credit score greatly in a negative way. I am hoping you can help me resolve this problem with XXXX county tax collector. I have filled a chapter XXXX bankruptcy in XX/XX/XXXX and the current amount showing on the report should be modified to reflect accurate modified judgment amount set forth by the court after the chapter XXXX BK filing. Presently, I am paying to new set amount of amount of approximately XXXX dollars {$4000.00} for which, I am currently paying in on instalments basis. Please, help me correct this issue with the XXXX county tax collector. I have tried calling and wrote letters to them in the fast but, they have not responded to any of my complaint. 
thanks. 
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 non-monetary relief
Consumer complaint received 2017-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I bank at capital one 360 and I had XXXX credit cards through them as well. They have in the last two months just withdrawn first in XXXX {$170.00} and then in XXXX {$190.00}, Which I did not authorize them to do. I have called 6 times in the last few weeks to get it straightened out.However, each time i am told that it will take 5 days to send back. I then wait 5 days and nothing happens. So I call back and get the same dog and pony show as the time before. I have all the chat messages saved as well as the last phone call which i was put on hold for 30 mins and was on the phone for almost 3 hours which i talked to 6 different people and had reexplain 6 times why i was transferred, I did not authorize them to take the money and this last call she said i would not receive money back even though i have a transaction code from them ( Screen shotted from there own chat ) saying that the money was sent back to me which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a Citibank account on XX/XX/2016 under a promotion of receiving {$400.00} for depositing {$15000.00} within 30 days and keeping it there for 30 days. I opened the account online through a promotional page for the offer. Deposited {$15000.00} on XX/XX/2016. The terms stated that I would receive the bonus 90 days after completing the requirements. I called on XX/XX/2016 about the status of my bonus and was told that I should receive it on my next statement. However I did not receive the bonus on my XX/XX/XXXX statement. I called and they refused to give the bonus and say they need to perform research. There are clear systematic inconsistencies with their account opening process as evidence by the large number of CFPB complaints for this same problem.

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 2021-09-30
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: AES/PHEAA
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Fedloan has and is still reporting inaccurate late payments on two of my 8 student loans. All of which, are linked to the same account and repayment plan. I have always been on the income driven repayment plan since I have been out of school. My payments are {$0.00} per month and have always been. They are reporting inaccurate payments owed per month, interest, account balances, high balances, and refuse to correct the inaccurate late payments on two of my student loans. I have requested proof via letter to XXXX and never received anything.

Company response to consumer: Closed with non-monetary relief