BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Navy Federal Credit Union adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you Navy Federal Credit Union are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Chrysalis Holdings LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Newday USA is purposely withholding my appraisal which came in low I do not want the house if it did not appraise to value and they are holding off on giving me the report for XXXX only knows why. I try and contact them to get blown off and blown off.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
PayPal has again hijacked my credit card as a " backup payment source '' without my input or permission. This is a follow up to Case number :  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 2022-09-14
Company: EQUIFAX, INC.
State: OR
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:
I was going to co-sign on a student loan for my granddaughter. The company would not approve the request. The company claimed these key factors affected their decision : Too many accounts with balances, too many inquiries last 12 months, proportion of balances to credit limits is too high, amount owed on revolving accounts is too high. All these factors are moot. Most of all my credit cards are down to less than XXXX balances. The reason for inquiries is that I am in the process of buying a house in Oregon. My credit score is XXXX as listed, yet they refused the loan. The credit reporting is behind current status. They should be brought up to date. Equifax is known to report incorrect data, please advise them to check the dates listed as these factors are from past months and not current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Specialized Loan Servicing, LLC took my HELOC loan over on XX/XX/XXXX. The outstanding principal balance was {$49000.00} before the loan was paid in full on XX/XX/XXXX. The interest due for the 20 days there was a balance is {$140.00} based off the SLS daily interest rate of {$7.00} X 20 days. 

On XX/XX/XXXX I made a payment with XXXX XXXX XXXX which was the original loan holder of {$300.00}. {$77.00} was applied to the principal and {$220.00} was applied to interest for the period of XX/XX/XXXX thru XX/XX/XXXX. On XX/XX/XXXX, SLS, received a wire transfer to pay the balance of my HELOC to a {$0.00} balance. The wire was in the amount of {$49000.00}, leaving a credit on my account of {$170.00} XXXX {$49000.00} - {$49000.00} XXXX. 

In short SLS, owes me {$240.00} Specialized loan Servicing, has continuously misrepresented the billing history and continues to move numbers around to say I owe money and has sent delinquent notice to the consumer reporting bureaus during the in which we are disagreeing with the companies billing. The right afforded to us have been violated and SLS refuses to dedicate any person to accurately review our account. We have been in a dispute with SLS, since XXXX of 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 2018-05-31
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: Old information reappears or never goes away

Complaint:
I have disputed information with Transunion & XXXX reporting agencies The only address that needs to be listed is XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Bureau 's are sending out information and third party information in my name for addresses, I don't reside. 

XXXX XXXX XXXX  is disputed, it's been 7-years, demand removal. 

XXXX XXXX listed since XX/XX/2011 7-years and 1-month demand removal XXXX XXXX incorrect listed 7-years, demand removal XXXX XXXX XXXX was closed in good standing, incorrect info demand removal. 

XXXX XXXX incorrect info, been on report 7-years, demand removal XXXX incorrect listed for 7-years, demand removal All XXXX XXXX XXXX accounts have been listed 7-years demand removal Credit score should be at least 700.

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 2022-09-14
Company: BARCLAYS BANK DELAWARE
State: NE
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:
Fraudulent Charges first appeared the statement I received for XXXX XXXX. I contacted the Barclay Fraud number and was told it would be investigated, which would take about 30 days. I was also told to destroy my cards, and contact any institution that I had on automatic payment set up for as the number will change. A new card would be sent in 3-5 business days. I never received these cards. I received acknowledgement that an investigation was open and I would received the results in a letter dated XXXX XXXX was in I received a letter from Barclay stating the {$1600.00} in dispute was ruled in my favor and the account was closed. No charges were made on this account as I had neither received a new card and the automatic payment had been canceled. I confirmed with Wyndham that the XXXX payment had not been made and I would have delinquency payment. I settle that with another card and set up automatic payments using a different card company. 

I received a letter from Barclays on XX/XX/XXXX, confirming that the amount in dispute that I was not responsible. My statement for XXXX XXXX had additional fraudulent charges from the XXXX NY. The previous fraudulent charges were showing the same address. I again contacted Barclays and explain to them that I had not received the cards, My account was suppose to be closed on XX/XX/XXXX but charges were made and accepted by Barclay on XXXX XXXX. I clearly stated to the agent that the account was to be closed and no more trans action would be authorized by me. 
Barclays opened another Investigation. Received a letter confirming the account was indeed closed and an investigation initiated. Letter from Barclay confirmed I was not responsible for the fraudulent transaction. The XXXX statement XX/XX/XXXX showed a balanced forwarded of {$380.00}. I called and followed up with a registered letter return Receipt on XX/XX/XXXX to Manager of the Fraud Department, I received the return receipt but no one at Barclays signed for it. The letter outlined all the actions since XXXX to get this resolved. I requested certain actions be taken along with an internal investigation as to how the new cards could be sent to one place but the billing address was correct. 

A store credit card company advised me that my credit score was lowered. I looked and saw it was due to an adverse report by Barclays. I called to talk to a supervisor and was refused to be connected to one. Thus this complaint as I have received only a negative response to my letter.

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 2017-06-09
Company: Experian Information Solutions Inc.
State: HI
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:
I demand to verify the accounts you listed wrong status in my report - I have never paid them late :   XXXX   XXXX   XXXX   -  XXXX    XXXX   XXXX    XXXX    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 2018-05-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have had a very difficult time with Select Portfolio Servicing ( SPS ). We had to file a bankruptcy to avoid a foreclosure. We are finishing up with the bankruptcy and SPS has given us a modification. The modification payment went up {$2400.00}!! We understood that the payment may be higher but the not that much. We asked SPS why the payment went up so much, and they said they didnt know. SPS also would not tell us how much went to the principal and how much went to interest. SPS would not tell us the interest rate and we have to take this modification. Very important to know. We are NOT PAST DUE on our mortgage. Our bankruptcy caught us up. We have confirmed this with SPS. How is this legal? This seems like predatory lending practices!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2019, I try to eliminate errors in my credit report from XXXX, Experian, XXXX. They present certain debts which I do not recognize and according to the law I decided to dispute those accounts. I have sent a number of letters asking to verify why these accounts are being reported under my name since I don't know any of these companies. I even went directly to these companies and I ignored my letters, I never received a response from them. I let XXXX, Experian and XXXX  know and they only replied that they had been verified. I ask for evidence of that and I don't answer either. I'm already tired of these companies doing what they want with humble people and damaging their credit report with false information. XXXX, Experian and XXXX  show accounts that I never had with companies I don't recognize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX. I hope you can stop this injustice.

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 2018-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX XXXX, I had used my card at an ATM twice at XXXX. I had received fraud alerts for a transaction in which I had been denied trying to use my Chase XXXX, and two fraud alerts on my Chase XXXX Credit Card. I had then received a phone call from Chase Fraud Prevention about unknown transactions. I had cancelled my card ( s ) and reported them stolen. The transaction amount on my debit was for XXXX and was for XXXX XXXX XXXX XXXX XXXX  XXXX. This is NOT a legitimate business transaction. This transaction had overdrawn my account and I had notified Chase right after receiving the alert to close down my Debit and Credit Card. Chase gives me the temporary credit, and with-in a week denied my appeal stating that my card was used with the chip, and therefore can not be fraud. 

This is fraud. 
I have no knowledge whatsoever of any of these transactions, and Chase should give me my money back. 
They have no knowledge of whether the EMV chip had been used, or if the card was used manually by entering my Card #, Expiration date, and CSV number. The card was not in my possession so any of the above can happen without my permission. 
In conclusion, my Debit had been charged XXXX USD to a retailer that does not exist and had custom charged their own fee of XXXX Pesos at an exchange rate of XXXX and Chase Fraud will not assist me or provide me the retail name to pursue because my card has a EMV chip, but can not prove that the EMV chip is involved when you can physically enter the information on a card, that is not in my possession. 

Chase Fraud Prevention did not honor my " Zero Liability Protection '' or offer any protection for this transaction. Where they had notified me of other transactions and would have gladly stopped the transaction, this large transaction went by unnoticed and was authorized to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Bread Financial Holdings, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal Credit offe rs both standard and deferred plans.  XXXX  items were incorrectly posted to standard vice promotional deferred plan. When  PayPal Credit  corrected the problem and moved the  XXXX  items in dispute to the proper deferred plan, they incorrectly added each item twice. See below for charges dated   XX/XX/XXXX  and  XX/XX/XXXX  in the amounts of  XXXX ,  XXXX  and  XXXX  : No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX 9* No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$8.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$6.00} {$38.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$7.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$3.00} {$22.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$6.00} {$37.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * I have been attempting since  XX/XX/XXXX  to get this corrected, but they refuse. They claimed they went statement by statement, but that 's the point : each statement since  XX/XX/XXXX  had the three items double billed, for an additonal charge of  XXXX . The excerpt is from my latest statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: NATIONWIDE ACCEPTANCE LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I SPOT WITH A LADY NAMED XXXX WHOM I FRLT XXXX XXXX AGAINST SHE THREATENED ME THAT THEY WILL NEVER REMOVE IT & THAT SHE COULD NOT ASSIST ME. NOW I AM AFRAID SHELL BE SPITEFUL AND TRY TO ADD THE DEBT BACK TO MY ACCOUNT. THIS HAS BEEN AN UPHILL BATTLE WITH INFORMATION THAT IS INACCURATE

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 2022-09-14
Company: Experian Information Solutions Inc.
State: NC
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, XXXX, Experian, and XXXX to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.

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 2018-06-01
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Experian several times via phone, online and via first class mailings on many occasions in regards to 2 accounts that i have never did any business with and did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively.I am trying to refinance something on my credit report, and it makes it difficult when they're checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over. The company needs to either need to send proof of validation or it needs to be removed.These account does not belong to me.The following accounts that are reporting are : XXXX XXXX XXXX with a balance of XXXX and XXXX XXXX XXXX with a balance of 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 2022-09-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 my company, XXXX XXXX XXXX was instructed to Wire {$17000.00} to our manufacturer, XXXX XXXX. Unknown to us, someone had broken into the servers of XXXX and had fraudulently emailed us a fake letterhead/representative of XXXX. The Wire went from XXXX XXXX XXXX to Chase Bank instead of XXXX, XXXX. This has been confimed by XXXX XXXX, XXXX of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Paypal Holdings, Inc
State: MN
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:
My car was stolen when I recorded it and did it they said in qualified they gave me this website and told me to file with you guys if it could be fixed

Company response to consumer: Closed with non-monetary relief