BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I have previously provided Navy FCU the Official Investigative OPM Notice of compromised personnel files, along with my statement regarding ID theft/fraud associated with the Navy FCU Account, XXXX .... On XXXX XXXX, 2015, after Navy FCU received a payment of {$420.00} and notice of the ID theft/fraud associated with the card, Navy FCU charged off {$22000.00}. The balance at the time showed {$21000.00} but Navy FCU charged off {$1200.00} more than the balance on the account and placed deleterious information on each of my credit reports. Navy FCU has repeatedly refused to provide to me the information which I have the right to obtain from a debt collector that being strict proof of my obligation to pay this debt when I have contested it as fraud. According to the OPM Notice, had Navy FCU acted timely, there was a method in place to be compensated but Navy FCU simply passed the debt off as mine and has remained stalwart in their position. On information and belief, Navy FCU perfected fraud when they placed an up charge on the account in the amount of {$1200.00}. Further, Navy FCU has refused to validate the alleged debt, a violation of FCRA. Due to the identity theft and the fraudulent purchases associated with the account, Navy FCU should respect the OPM Notice and the fraud report and either block this information from each of my credit reports or block this information from my 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 2022-01-26
Company: Chime Financial Inc
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 my credit card with chime was charged fraudulently charged {$3200.00} while my credit card was turned off and transactions of any kind should have been impossible. Is not only a violation of the advertised ability to lock your card when not using it so new transactions can not be posted to your account but it is also a violation of their own policy which puts a cap on an individual purchases and daily purchase limits of {$2500.00} so ANY transaction for {$3200.00} should have been impossible for any reason at any time. I have disputed this transaction with trying several times and they have refused to reverse the purchase despite verifying that I did in fact have the transactions turned off and my card locked at the time the purchase was made and that the purchase was made on a card with an old card that had a different expiration date and different cvv but still had the same card number. On top of all of this time purchase itself is fraudulent and after providing documentation to chime which showed that the charge was not legitimate chime still hasn't fixed this mistake despite the fact that for several reasons it should never have been allowed happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Midwest Loan Services, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly called loan modification and told they are not able to talk to me. Per staff, they don't correspond or talk to customers. I guess they are too good for me or anyone. I called 40 times and nobody ever answers, it's a recording that is purposely used to hang up and say email they are too busy. Just utterly unprofessional but get agitated that this is upsetting and aggravates the customer. XXXX answers but can't talk to loan mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My complaint is that I made a transaction from my bank to my landlord bank through a system used by the bank called sure pay, which is Wells Fargo to XXXX XXXX. However, this is where my problems began because the landlord claims that he never received the money and he also showed me proof that he never received the money. I made three claims to Wells Fargo Bank in order to retrieve my money back ; but it was not successful. Also, I am on a fix income and losing that amount of money has put a hardship on my finance. This is the reason why I am seeking help from CFPB at this point.

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 2017-07-24
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX ( XXXX ) and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the Small Business Lending Division ( XXXX XXXX ) but unfortunately I have yet to see any resolution.

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 2017-10-15
Company: Convergent Resources, 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:
partial acct # XXXX XXXX XXXX has not sent me proof within 30-45 days or an obligation of this alleged debt as requested by me and continues to report this derogatory information to XXXX, XXXX   and XXXX. XXXX XXXX had not communicated with me through phone nor have I seen any letter concerning this so called debt at any time before this deorogatory informaton appeared on my credit reports. This is creating problems for me relating to higher interest rates and lowering my credit score. I disputed this account in XX/XX/XXXX on or around the XX/XX/XXXX and in XX/XX/XXXX on or around the XX/XX/XXXX to all 3 bureaus with no verification or validation in the form of a contract or documents with my signature on it from XXXX XXXX. Proof I have sent letters with tracking receipts will be attached. 

The only correspondence that I received from XXXX XXXX was information about an opening date and a billing statement and a balance {$520.00} which could not belong to me. This does not qualify as full verification per FCRA. They continue to ignore my request for contracts and signatures as proof concerning this account that is reporting to my credit report. 

XXXX XXXX continues saying everything was verified. To date XXXX XXXX continues to not verify this so called debt. Under the Fair Debt Credit Reporting Act I have the right to demand this information for the account being reported on my credit report. 

XXXX XXXX is in violation for continuing to verify accounts with the credit bureaus without providing requested evidence. I believe XXXX XXXX does not have these documents or they would have produced them in the past 60 days. I believe they are blatantly breaking the law. For this reason I demand all derogatory information from XXXX XXXX to be removed and deleted and never to appear again on my credit report with all 3 major credit bureaus.

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 2017-07-24
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended XXXX XXXX XXXX college located in XXXX, s.c. i applied for student loans to pay for my college courses during my duration of attending there. I thought i was being over charged for the amount and cost to attend XXXX XXXX. After borrowing student loans and upon graduation, we were told by the college that the XXXX XXXX program was not accredited. I was in the first graduating class of this program but upon admission, i was never told that the college was not accredited. Many funding dollars were taken from students but the college was not accredited. To this date i have been struggling to pay back over a {$23000.00} student loan from 14 years ago. Upon graduation, our class was never instructed how to obtain a certification in our degree program. Another complaint is the student loan servicer, first it was nelnet, then XXXX and now XXXX. A lot of changing hands in the student loan accounts, dont know if statements are accurate of balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: FL
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 sent you a request to reinvestigate the information that I previously disputed. It is unacceptable that the items are still showing on my report, I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act. I reserve the rights to file a law suit against your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX is reporting an inquire that I do not recognize.

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 2022-01-26
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXXXXXX XXXX is reporting an inquire that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: U.S. BANCORP
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:
Complaint about U.S. Bank, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX/XXXX  XXXX, XXXX N.W. XXXX XXXX, XXXX, FL XXXX Dates : XXXX XXXX and XXXX XXXX, 2017 ; two charges of {$32.00} vs. one charge of $ XXXX {$59.00}. A vendor arbitrarily changed the billing protocol without notifying me ; this resulted in my monthly premium being raised to the vendor 's advantage. There was no notice given to me and I only found out when I received my credit card statement. I called the vendor and in the ensuing " chat '' was told that this was the way they were going to proceed henceforward and I had no recourse. It appeared from the " chat '' that XXXX had only recently taken over billing for XXXX XXXX. I asked for the matter to be forwarded to a supervisor and that I be contacted by email since I had already been on the phone for an elongated period of time ; I was told that I would be transferred to " the first available agent '' ( not a supervisor ) but that they had no email capability and that I would have to comply with their dictates. I tried to dispute the matter with US Bank but they refused to take the dispute and told me that the most they would consider would be to modify one payment so that the aggregate amounts would equal the correct total. As with the involved vendor, I was told that I had no recourse except to accept their directive ; to reiterate, US Bank refused to take the dispute.

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 2022-01-26
Company: FinCo Services Inc DBA Current
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I changed my name in XX/XX/2020 because I got married ( the fraud is happening with my maiden name ). The XXXX XXXX successfully changed my name but they lost my original documents and I never received them back in the mail. After this I started getting notices in the mail from credit cards saying I applied. Of course I did not. So then I got XXXX and froze my credit scores back in XXXX due to the repeated credit card fraud. I also filed a police report. Since I did all this, the credit card applications haven't been approved ( as far as I know ). Except this Visa card from a company called Current was approved and they issued me a card that can be activated with their app. I called their customer service and left a message, they never called me back and they NEVER answer their phone. I emailed them and they said they won't help me because I don't have the email used to sign up. I told them that I don't have the email used to set up the account because it was set up fraudulently and that I need them to close this account ASAP. I asked to speak to a manager. They said no. It is worrying me very much that they won't close this account even though I told them it was fraud. I really think they are okay with fraud based on this experience it seems they don't care at all. I have the emails for proof of how they dismissed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: FL
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'm not responsible for this account, i never sign contracts with this company.

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 2022-01-26
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Greetings, I noticed a change in my credit report around XX/XX/XXXX where Navient had reported XXXX student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under Navient ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the Sallie Mae settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by Navient XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, XXXX and XXXX with no luck as they stated that Navient certified the account as if their information is accurate. I dont understand why they credit agencies determine at Navient XXXX as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I purchased merchandise at Macy 's website in XX/XX/XXXX and earned Macy 's money. 
I used the Macy 's money to purchase merchandise. I returned a coat which I paid {$19.00} in XX/XX/XXXX. Macy 's only refunded me {$9.00} claiming it withheld {$10.00} for the Macy 's money I used. I returned the merchandise which was bought by using Macy 's money and my credit card on XX/XX/XXXX. The return is {$35.00}. 

Macy 's has not refunded the money to me after it received the returned product.

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 2020-01-06
Company: Experian Information Solutions Inc.
State: FL
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:
In XXXX I opened a XXXX Card AAdvantage Aviator Master Card, a promotional offer on an XXXX XXXX flight. I subsequently never used the card. On XXXX XXXX, XXXX I was advised the account has been closed due to delinquency. I contacted XXXX on XXXX XXXX, XXXX. A " representative '' researched the account, found the {$99.00} amount " due '' was only for an annual membership renewal and that I had never used the account. I stated I wanted the account closed, the membership fee credited and the derogatory delinquent status removed from the credit bureau reporting. The representative, after looking at my other XXXX XXXX Card long history and good-standing, stated that he would do precisely that. I was provided a case # XXXX. I have since found the derogatory status has reduced my FICO score from +800 to <700. 
I contacted XXXX today as I had previously requested to be copied on communications to the credit bureaus. The " representative '' today was much less helpful, unable to provide confirmation of anything ( other than confirmation of the case # ) and basically told me to file a claim with " FCRA ''. I do not feel that XXXX is cooperating in this matter in a timely nor professional, informative matter. I would like reassurance that the proper, agreed upon info is sent to the credit reporting agencies.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy on my Experian report and XXXX report that belongs to my father. I would like this to be removed. It has been removed from my XXXX report.

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 2016-03-21
Company: The Regional Adjustment Bureau, Incorporated
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I paid of these loans several years ago but I am continually contacted by assorted collection agencies about the loans issued while I was at XXXX XXXX XXXX. I pay a lawyer to send a letter with the proof of payment but the collection agencies seem to just sell the debt to another agency and the process repeats itself. It is like being hounded by an old ghost from a very bad time of my life.

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 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Information remains on my consumer report despite filling the necessary documents to have all removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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: Information belongs to someone else

Complaint:
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Company response to consumer: Closed with explanation