BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: PA
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 regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2015-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking, savings, secured credit card, investments, and ROTH IRA with USAA bank. From hearing from friends and family of how happy they were with the service, that is what prompted me to open accounts with them. So far I have been extremely happy, until XXXX XXXX, 2015 when I tried logging on to the internet to view my account balances. I receive a message stating " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. ( XXXX ) '' I immediately contacted the bank and was informed that they will be closing my accounts due to a criminal record that was discovered. At no point in time before, during or after was I informed of a criminal record check, nor did I ever authorize for my records of any sort to be accessed. After reviewing their account opening agreement, and other disclosures, nowhere does it state that a criminal record search maybe conducted and/or may bar you from an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Company has place a duplicate account on my credit report. They said it was a update, however, it is listed as a separate account on my credit file.

Company response to consumer: Closed
Consumer complaint received 2015-12-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have requested my Chex System report twice, once several months ago. They are yet to send it to me. I was recently denied an account my XXXX XXXX XXXX based on information they provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
Charged XXXX by XXXX XXXX XXXX company to my Navy Federal Credit card for a transaction that was already paid for by my insurance company. I have opened disputes with Navy Federal and have to hear back/have the disputes resolved after providing documentation proving that these charges have been paid by an insurance company already. Navy Federal is not processing the disputes in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The debt is well beyond the Statue of limitations for collection. They have repeatedly taken of on credit report only to add it to others time and time again. The account was sold in XX/XX/XXXX and resold in XX/XX/XXXX. It should not appear on my credit report. They should not be calling family members about this old debt. They should not even be writing me about debt. They have been sued, they have been fined, yet they continue to commit the same unethical acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have been a customer of capital one for 10 years. I was told when I opened the account I would receive a increase which would help build my credit but have yet to see either I 've applied for a increase several times with no results. I know multiple people who have gotten there credit limit increased within a few months of opening there accounts and I have n't got one in the 10 years of opening mine

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I requested a credit limit increase with many federal and it was denied due to high balances. Decision was made after reviewing my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have not been provided with monthly statements ( emailed eStatements or physical mailed statements ) since XXXX 2015. I have no proof of payment history for the last 4 months and the lender is unwilling to provide me with any statements for that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX. XXXX Mortgage purchased my loan in XX/XX/XXXX. I contacted PHH immediately to advise that my ESCROW account was incorrect. The prior mortgage company sent PHH a check for my escrow. After several calls to PHH, I was notified in XX/XX/XXXX that after their analysis I had a surplus of a little more than {$2300.00} and they were issuing me a refund check. The notification also indicated my new payment to include the escrow. Fast forward to XX/XX/XXXX, I received my tax statement and notified PHH that there wasnt enough money in my escrow to cover the taxes and requested they research what happened when they acquired my load. I was informed that PHH would ensure my taxes were paid. However, I still needed to understand what happened that my escrow was off over {$4500.00}. On XX/XX/XXXX, I checked my account and discovered a notice uploaded to my documents stating that my taxes had been paid and that my escrow account is short {$4400.00} of which I am responsible for paying back over the next 36 months. My new payment amount will increase {$460.00} due to PHHs error. On XX/XX/XXXX, I finally received the documents I had been requested to determine where the error occurred. The tax certificate PHH received clearly shows that my taxes should have been for {$6500.00} and not the {$2800.00} they projected for my escrow. I have called the escalation team multiple times and spoken to agents that a rude, try to speak over me and only tell me information I already know. When I asked to speak with a supervisor, I was advised that someone would call me back in two business days. Once, again I am asked to wait for a call, when no one has been able to assist me in weeks. No one attempted to contact me to discuss or explain what happened and what options I had to resolve this issue. I need help trying to resolve this issue as I now have an increased mortgage payment of almost {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX sent my name to a collection agency saying that I owe {$300.00}. There was a

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXCredit Collection ServicesXXXX XXXX XXXX, MA XXXX-XXXXAccount # XXXX do not except your offer to do business. If you attempt to force me to do business with you under threat of economic harm, then that is attempted extortion. If you attempt to force me to do business with you without any written relationship between us, then that 's fraud. If you continue your course of action, I will consider the situation a crime and act accordingly. Return this account to whoever asked you to invite me to pay whatever it is you are collecting. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I declared Bankruptcy in XXXX XXXX and it was Discharged XXXX XXXX, XXXX. I filed against XXXX XXXX on an equity loan held jointly with my wife. I sent payments until my check in XXXX XXXX was returned saying no loan could be found and they could not ask for any payments because of the Bankruptcy. In XXXX of XXXX my wife co-signed with my so to purchase a home and this loan showed on her credit report. When contacted both Capitol One and XXXX XXXX report they had no record of any loan we have asked for a release of lien XXXX times and was promised a letter of release and never received anything. When we follow up they say it is in research. My wife file a complaint with Capitol One XXXX months ago and got no response. we have asked for about his lien using both my and my wife 's social and no loan is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2016-12-13
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am a PayPal Extras MasterCard ( Synchrony Bank ) cardholder. 

On XXXX XXXX, 2016, I made a payment of {$53.00} on my PayPal Extras MC account. 

On XXXX XXXX, 2016, a second payment of {$100.00}, *unauthorized by me*, was made to the account, being automatically debited from my checking account. This transaction caused an overdraft, incurring {$72.00} in overdraft fees and causing me a great deal of distress to sort the matter out. 

On XXXX XXXX, 2016, I called the PayPal EMC/Synchrony customer service department and explained the matter. The agent promised me that a refund of the {$100.00} unauthorized payment had been requested and would be processed and sent to me by check within 2-3 weeks. 

On XXXX XXXX, 2016, having not received said refund, I called the customer service department again. I was told that no refund had been requested. The agent supposedly ( I say that because, frankly, I have no way of knowing this was actually done ) put in a refund request during our call ( again ) and reassured me the refund would arrive by check within 2-3 weeks ( again ). 

Having been a PayPal Extras MasterCard cardholder for a number of years ( since before Synchrony Bank was involved ), I am profoundly disappointed. The current course of events is not acceptable. I am doing my utmost to make payments on this account, given my circumstances -- I am XXXX and can not work due to XXXX, and in possession of very limited funds -- and I feel I 'm being met by incompetence and indifference. 
This matter should have already been settled.

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 2017-02-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a victim of Identity theft since XX/XX/XXXX. Some one by the name of XXXX XXXX open an account in my name XX/XX/XXXX. The fraudulent account has been reported to XXXX which makes it impossible for me to open another bank account anywhere, and I am the victim. I find chase bank to unfair and not acting favorable in my situation that is causing me much difficulties. I 'm asking chase bank to remove the fraudulent account from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ive attached a generic decision on my mortgage application from Wells Fargo Mortgage. The letter had absolutely nothing to do with their decision to not approve my loan ( as you will see from my letter attached to XXXX XXXX XXXX of XXXX XXXX XXXX. 
My loan had been approved and scheduled for closing. I received an email on XX/XX/XXXX from XXXX XXXX ( Mortgage Closer ) stating " Hey XXXX please make cashier 's check out to XXXX XXXX, XXXX ''. My closing was scheduled for XX/XX/XXXX ; four days prior to closing Wells Fargo ask for my tax returns and told me two days before my scheduled closing there was a problem with my tax return and therefore I will not be closing. Never stated what the problem was that would cause the closing to be cancelled two days before closing. Totally unprofessional and unacceptable.

Which underwriter failed to request these documents in a timely manner? There was a divorce decree involved with detailed time guidelines. 
This isn't the way you treat a customer that's had two mortgages with Wells Fargo since XXXX and never been late on any payment. 
Wells Fargo had every right to not approve my loan based on their findings. XXXX XXXX of Wells Fargo stated to me after he told me what happened, " yes XXXX this information should have bye requested earlier ''. 


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 2021-12-20
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used Venmo and they froze my account. Currently I have {$1000.00} in my account and I have no access to it nor can I buy my kids XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX has sent XXXX letters threatening with arrest for not paying XXXX citations issued by the XXXX of XXXX, Texas. I have never received any citation neither from XXXX or any other place. Said citations were issued to a person with a similar name to mine. I contacted the XXXX of XXXX after receiving the first letter, they asked my birthdate and was informed that the person receiving the citations had a different birthdate. I contacted the aforementioned law firm and informed them of that fact. Today, XXXX/XXXX/16 I received another letter threatening with an arrest and cancellation of my driving license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card
Issue: Credit determination

Complaint:
My credit line with Capital One is {$5000.00}. I try to keep my balance below XXXX % so it does not affect my credit score. However, that is just about impossible with a business credit card. Therefore, I requested a credit line increase. Capital One denied my request, citing " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' I contacted Capital One this morning for a further understanding/explanation for this denial. The customer service representative, XXXX, stated he was not allowed to provide additional information. His supervisor, XXXX, told me I need to contact the Bureau of Consumer Financial Protection for further information. 
My credit score ranges from XXXX - XXXX. So I am sure you can understand why I am concerned and equally troubled by Capital One 's response. Nonetheless, I called Capital One again this afternoon. I explained to the supervisor, XXXX, why I requested a credit line increase. XXXX stated the impact of exceeding my credit line by XXXX % to XXXX % " is not a concern to us. '' XXXX confirmed this was a decision made by their automated processes and she refused to send my request over to the underwriters for a manual review. 
As a result, I understand if I cancel my credit card it will have a negative impact on my credit score. Also, If I exceed the XXXX % threshold it will have a negative impact on my credit score. I have been a loyal Capital One customer for a number of years. I have personal and business credit cards through Capital One, I have financed a number of vehicles and mortgages through Capital One - I have never had a late payment. With that said, I can only conclude I am a victim of racial and national origin discrimination based on the ethnicity of my last name. I request that you open an investigation into the lending practices of Capital One. If you need additional information, please contact me at XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Chime Financial Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
My direct deposit from my employer is lost/ stolen. I was expected to be paid by my employer on XX/XX/2021. 
I never received my direct deposit. 
I reached out to my employer and the pay roll manger, and they have provided documentation, and confirmed that my funds have been initiated. After speaking to many different chime employees and even the supervisor, they have all stated that funds were never initiated by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Conduent Incorporated
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2016 I attempted to use my eppicard and it was denied. I later found out over $ 700+ had been taken out of my account through fraudulent activities. I immediately contacted eppicard to report the fraudulent claims. It took two days and hours on the phone because no one would pick up the call. I sat on hold for hours after being re-routed multiple times. I finally got someone on the phone after an hour and gave them all the info. They then transferred me and I had to give all the info again. I was told they would send me a form and I would need to fill it out and return it. Then I would have my money returned to me within a couple of weeks. The form arrived, I filled it out and returned it. I have still yet to receive my money back. I have made multiple calls to eppicard to find out where my money is and have been repeatedly hung up on by the system or sat on hold for so long, my phone has gone dead, or I have had to hang up. Most recently I call and it took me recalling the customer service number for 25 minutes to finally be transferred to a XXXX person. The system would hang up on me if I did n't answer the prompts correctly. Once transferred, I remained on hold for 85 minutes until I finally had to hang up. I still have yet to get my money back or speak to anyone live about it.

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 2017-01-11
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Do not owe Credit collection Services a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations. They can not validate with my signature that I have a contract with them or anyone else for that matter. I sent a certified letter asking for validation and they can not provide it!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation