BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In researching the most recent class action lawsuit against Navy Federal around how they handle overdraft fees, I'm convinced that multiple transactions in the month of XXXX and last year were handled inappropriately. Specifically, items were in a holding status for multiple days allowing fees to be assessed each day to avoid the maximum fees in one day. In the month of XXXX, I was assessed XXXX in fees. Last year I was assessed hundreds of dollars in fees, Navy Federal intentionally did not post my direct deposit so they could assess more fees. 

I'm extremely concerned that today XX/XX/2020 someone who owed me money called Navy Federal to transfer funds to me. Navy Federal provided this individual very personal details regarding my account and identity. Specifically, a Navy Federal rep provided an estranged member with my home address and other sensitive details related to my identity. I am astounded that Navy Federal would put me in danger by releasing these details without my permission and who is not on my 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 2016-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have made XXXX ( XXXX ) separate credit report dispute requests to Experian, which were mailed United States Postal Service " certified. '' Both requests were denied. I have AGAIN received another letter dates XXXX XXXX, XXXX in which Experian is demanding that I submit a copy of a " current utility bill, bank or insurance statement. '' My " original '' letter was dated XXXX XXXX, XXXX and my " second '' letter was dated XXXX XXXX, XXXX. I have told Experian that I have submitted all the required documents under the Fair Credit Reporting Act to verify my identity. 
Specifically, there is no federal statute under the Fair Credit Reporting Act that requires me to provide " proof of address. '' This may be a Experian " policy '' requirement but it is NOT a " statute '' requirement under the Fair Credit Reporting Act. The ONLY " statute '' requirement is " proof of identity '' and not " proof of address. '' I refer you to the Fair Credit Reporting Act under Section 611 [ Procedure in Case of Disputed Accuracy ], which follows Section 610 ( a ) ( 1 ) [ Proper Identification ], which states that " a consumer reporting agency shall require as a condition of making the disclosers required under Section 609 that the consumer furnish proper identification. '' Verification of " identity '' is provided under Section 609 ( e ) ( 2 ), which says that " before a business entity [ Experian ] provides any information ... as proof of positive identification ... the presentation of a government issued identification card. '' In my " original '' letter, dated XXXX XXXX, XXXX, I provided Experian a copy of a government identification, specifically, my passport and I provided my current mailing address in my " original '' credit report dispute. 
In my " second '' letter, I provided Experian a copy of a government identification, specifically, my passport, copy of my social security card, copy of their letter sent to me at the address I provided in my " original '' letter. This is more than the required documents necessary to provide a Credit Reporting Agency under the Fair Credit Reporting Act. 
As a result, Experian has failed to complete their investigation within the 30-days, as required by the Fair Credit Reporting Act under Section 611 ( a ) ( 5 ). I request that Experian be fined the minimum penalty and I request that you contact Experian and mandate compliance with my credit repair request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX XXXXXXXXXXXX

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 2022-07-05
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Dear CPFB, I closed on my new home XX/XX/2022. After closing, my initial payment was reduced ( please see attached supporting documents ). On numerous attempts, I have tried to make sure that my tax liability was correct and that the {$98000.00} was the tax assesment for XXXX 

After multiple attempts to speak with a mortgage expert, my mortgage has changed three times. However, I can not get help through PNC. I am very confused. I spoke with the XXXX and was advised to contact this agency. It is my hopes that CFPB can help me get this issue resolved. 

With sincere appreciation, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-01-16
Company: SYNCHRONY FINANCIAL
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:
Per FTC sec 609 credit agencies are not validating credit account, they are simply verifying my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/XXXX our principle balance with Suntrust Bank for account ending in XXXX was {$31000.00}. On XX/XX/XXXX we attempted to call to get a payoff on the loan. We called and Suntrust had a message stating that their system was down due to the planned merger with Truist. We called Truist and got the same message. The Finance Manager at XXXX XXXX in XXXX, MD was also unable to get a payoff because the entire system was down. 

On XX/XX/XXXX a payment of {$340.00} was applied to the account. 

Today, we logged in through Suntrust which took us to the new account with Truist with account ending in XXXX. The balance was {$31000.00}. That was nearly {$400.00} increase in 7 days, AFTER a {$340.00} payment. With our low interest rate, that is simply not possible. 

We called Truist on XX/XX/XXXX to find the cause. We are unable to look at any statements which were paperless. Truist has deleted all of our previous statements. We have a screenshot from XX/XX/XXXX, but otherwise no way of accessing our data. Truist was unable to account for the {$380.00} increase to our balance that occurred during their systems transfer from Suntrust to Truist. 

Attached are screenshots from Suntrust ( note account number ) and Truist.

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 2016-08-29
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We have been banking with PNC for 6 years now. We have been offered the service of overdraft protection a few times, but because I do n't believe you should be able to take money out that you do n't have so I declined the overdraft protection. 
I got charged {$220.00} in overdraft fees, which I considered abusive. When I called I was told they would " reverse '' {$84.00}, just per courtesy. I have recently lost my job and I had to get a new one, so I never thought that PNC will process payments with no insufficient funds in the account. Because the funds were n't they charged {$36.00} times XXXX ( {$140.00} ) plus they charged me {$7.00} per day for every day the account is overdrawn. 
I had request a full reverse of my fees and escalated the complaint with PNC. But I really think we should reign on this abusive system. Banks are making their living by overcharging fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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:
CAPONE IS NOT SUPPORTING ITS CLIENTS AGAINST FRAUD. 
After conducting an audit of my credit card account, we identified a few transactions as possible fraud as the merchants/transactions are unknown. Contact was made with the credit card company on XXXX after researching for any records, concluded that the transaction are fraud. We are always told there is no time limit for fraud, we are supported by our credit cards fraud protection. THIS IS A LIE. 
Shortly after filing my claim I received notification that my fraud claim had been denied. We contacted CapOne again on XXXX to inquire why it was denied and was informed that because I made my regular payments and have been in good standing, these charges couldn't have been fraud. Case closed. Please note that I charge XXXX of dollars a month on my credit cards and may not always have the time to review everything but I do make sure I make my monthly payments and they are excepted every time. 
I requested to refile for reconsideration and was told after a claim is denied one time we no longer have the right to file again, not even for reconsideration! 
Requested an escalation to a manager and he repeated the same reasoning of the denial and stated it is corporate policy, nothing he could do. 
This situation is unacceptable, CapOne states they have no limit on fraud, this should be considered as misleading consumers. " Similar to a bait and switch '' Ultimately I am saddened by this situation and request that CapOne support me on this claim as it should and as it advertises. If I dont get the backing I deserve I will continue to file complaints with other agencies ( ie : FTC ) because if this is corporate policy, others should be made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding i have told this company multiple time that the debt is not mine i have disputed this deb multiple time still this company choses ti ignore and hold me with this debt with no written evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bridgecrest is reporting on my credit report as a repossession. After several attempts ( all documented ) the credit is refusing to verify the debt according to FDCPA XXXX and Arizona XXXX XXXX XXXX. In my attempts Bridgecrest has only responded with the same letter stating that I need to verify my address because they have a different address on file. 
My direct dispute attempts have been met with an illegal attempt to shift the burden of proof to me. In violation of FCRA 623 ( a ) ( 8 ) ( D ), 16 CFR 660.4 and Arizona Administrative Code XXXX Bridgecrest has made several attempts to collect the debt since receiving my letters. These attempts include updating my credit report, sending debt collection letters, and verifying false information 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 explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: CA
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 XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2015-05-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Wells Fargo & Company, has refused to provide me a referral to Identity Theft Assistance Center ( ITAC ). Because I have been a victim of identity theft I have been subject to significant financial problems and expenses as a result of Wells Fargo & Company failing to provide a referral to ITAC. 

I am demanding immediately, that Wells Fargo & Company provide me a referral to ITAC. My phone number is XXXX XXXX XXXX XXXX and Wells Fargo & Company can also contact me via email at XXXXXXXXXXXX, as well as via physical mail to the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX look forward to working with ITAC XXXX an effort to resolve Identity Theft issues and expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!

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 2016-02-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
how opened XXXX CD 's at the same time. Every year we just let them keep renewing because they were emergency funds. After about 5 years we got a notice from Pa treasury that we may have unclaimed funds. XXXX of the CD 's was turned over to them for lack of activity. Makes no sencse since the other XXXX was not. Now it will take us 3 months or more to get the money with no interest. The bank never notified us but the other CD 's was automatically renewed. When I questioned the bank manager he said that the bank messed up and could not explain what happened. my loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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 HAVE NEW UPDATED INFORMATION!!!!!!! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. 
Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was a deposit into my account for a XXXX, capital one placed a hold on my account on XXXX XXXX. I have called several times and they keep giving me the run around, they have me leave a voicemail for a team that has only reached back out once. The team advised that the account would be closed and funds would be dispersed via a check however over XXXX year later I keep getting advised that the account is closed and that there is nothing they can do to get me the funds. The funds are not involved in any type of dispute and there is no money owed to the bank. Capital one is an online bank and I believe they are taking advantage of the fact that no one can come in branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is over ten years old. I believe it has passed the statuette of limitations. I believe this company is falsifying information to keep this account active. 
This was sold to this current collection agency. 
I tried to explain to this current agency I no longer owe this debt, and they argued I'm wrong. They claim that in XX/XX/2020 was activity, but I know only to disagree with it still being owed.

Company response to consumer: Closed with explanation