BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
On XX/XX/XXXX, XXXX notified me that a deposit I made was being held and my account has went to the security team. Upon contacting them the same day I was advised I was given a check that may not clear and my account was on hold. After contacting the check issuer my Employer I was advised they issued a check to a closed account and needed to correct the issue and also sent a letter explaining the mix-up. I have been an NFC customer since XXXX and did not understand why I ended up in fraud. My entire online platform was placed on hold and blocked access to both of my secured credit cards in which I make payments directly from my checking account. 

On XX/XX/XXXX I spoke with customer service again and was advised that my account was still blocked and I needed to make my payment until the investigation is complete. She attempted to transfer to the fraud team to unblock and explain the mix-up. I was able to schedule a payment with her, however on XX/XX/XXXX I receive an alert that I was late for payment on my credit, I was never late in history. I called again and was told it was an error and its no way to make a payment on my account while I was on hold until the investigation is over. I advised this would make my account report incorrectly and asked to close both secured accounts, however, this was never done. 

On XX/XX/XXXX, I receive another credit alert for both cards and late status, I called NFC right away and spoke with customer service. She advised my accounts had never been closed and were on hold with fraud, she transferred me and I waited an hour before someone picked me up at XXXX XXXX. The specialist put me on hold after I explained the issue and was really not trying to help, he sounded very disoriented and not interested in hearing my concern. By the end of the conversation he was unable to help and I asked again to close the accounts because they are secured and funds were available in my savings account to pay off. He paid off both cards and closed them, however, now my credit is ruined and the account has been reported incorrectly because of blocking access to pay the accounts online and was told payment would be scheduled. My account should have never been closed, it was a Human Error that caused this, please fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
The credit reporting agency is reporting XXXX account # XXXX XXXX. my balance and payment status is being reported wrong. I paid this account off

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 2017-09-11
Company: EQUIFAX, INC.
State: MN
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:
Equifax put ineffective security measures in place, which led to a breach that puts myself and millions of others at potential risk. Furthermore, very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CapitalOne charged me an annual fee in XXXX on a card I no longer used. When speaking the Customer Service they stated they would waive the fee. When I explained I no longer used the card and would like it canceled the Customer Service member explained she can waive all fees so that I can keep the account. 

I was notified XXXX XXXX, XXXX that I has an overdue balance on my CapitalOne account. When I called I was told it was the annual fee and two late fees for not paying the balance. When I explained I do n't use the account and that I have n't even activated the credit card for that account and that I was told in XXXX that I would not be charged for this account as I did n't use it. They said sorry for the miscommunication but that they are going to charge me the annual fee again, and two late fees and report on my credit report the late payments. 

I explained I did not want the card, I did not activate the card so how can I be charge for a product that I did not use or activate. They stated there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Date reported - XX/XX/2017 - amount {$0.00} - account status, PAID - payment status, collection/chargeoff. Credit Card went over limit and was paid off and account was closed.

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 2017-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase sent letter stating the restructure of interest only loan to principle and interest loan which more than doubled our payment to over {$2400.00} a month beginning in XXXX. We contacted them for assistance right away. Completed paper work twice, to no avail. They switched case manager in middle and started again. Had never had a late payment ever until XXXX, when my SS benefits could n't cover increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage that is serviced by Specialized Loan Servicing with the contact information below. This is a conventional loan with XXXX XXXX XXXX ( XXXX XXXX. As of XX/XX/XXXX the XXXX of this account was scheduled to be less than 78 %. The original value of the home was {$520000.00} as seen in XXXX 's records, 78 % of which is {$400000.00}. The principal balance on XX/XX/XXXX was scheduled to be {$400.00}. As required by law XXXX should have automatically removed property mortgage insurance. 

Specialized loan servicing has disbursed {$150.00} for XXXX  in each month since XX/XX/XXXX, including XX/XX/XXXX for a total of {$750.00}. 

I reached out to the company on XX/XX/XXXX, both through their message center and by fax as instructed. I have yet to receive a substantive response either by phone or by mail on the subject. They disbursed XXXX on XX/XX/XXXX after my inquiry. 

Specialized Loan Servicing XXXX XXXX XXXX XXXX, CO XXXX Phone : 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 2022-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XXXX. ) I contacted Bank of America on XX/XX/2022 regarding a purchase dispute. My Bank of America account is being illegally accessed which access was provided by Bank of America to unauthorized third parties. This is a fact since after imitating the dispute a hired actor or third party member of the public staged a stunt informing me that he knew about the dispute filed with Bank of America. I do not know this person and have never seen him before. This person is very likely a hired actor or agent working for the federal government, the intent of which is to interfere with my financial situation and by doing so interfere with or prevent further pursuit of the active lawsuit in the D.C Federal district court against one or more federal agencies. 
XXXX. ) Bank of America did not issue a temporary credit as is usual, customary, and consistent with its own procedures. Bank of America did not issue a claim number on the matter, therefore indicating that the claim had not been filed or properly handled. 
XXXX. ) I can not validate that the person from West Virginia who handled the call for Bank of America was actually an employee of Bank of America as she called from a number outside of Bank of America and she did not properly identify herself. 
XXXX. ) The intent of Bank of Americas fraud was and is intentional and to interfere with my finances to aid the government to prevent further legal action against the federal government i.e. XXXX as set forth above due to an active lawsuit I have filed against the government.

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 2019-11-24
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I mistakenly paid my mortgage to Freedom Mortgage who no longer holds the note. On XXXX XXXX I became aware of the mistake and contacted Freedom to ask them to reverse the payment which had been made through XXXX XXXX XXXX Bill Pay. Today is XXXX XXXX and the reversal has not yet happened. 
In this time period I have been in contact with seven people in the Freedom organization, three of whom have told me that the reversal will happen within 24 to 48 hours. On XXXX XXXX XXXX XXXX XXXX FAX'ed  Freedom with the proof that the payment had been made and that it had been cleared through the Freedom system. I am frustrated in that I have no leverage in this situation and fear that I may not be able to meet my XX/XX/2019 commitment to my current mortgage holder. Please note that the payment made in error has not been forwarded to my current lender.

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 2018-11-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When my information was originally leaked, they offered me Protection Services. I put a security freeze on all 3 reports and they let numerous inquiries still go through. I also have accounts that are not accurate, not mine and I'm not allowed to dispute them any further.

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 2022-06-16
Company: Netspend Corporation
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This compliant is on Netspend deliberate failure to apply advertise interes rate ( refer to Addition 2, 3.02 %, 4.91 %, .49 %, Addition 3, 12.37 %, Addition 4, 5.00 % to .72 %, Addition 5, 5.02 %, 4.91 %, .49 % ) apply applicable amounts on interes, concealment and false advertisement. Netspend advertise even as of XX/XX/XXXX that is Savings Account Interes rate is 4.91 % with and APY 5.00 % on balance under {$1000.00}, and .49 %, APY .50 % on balance exceeding {$1000.00}. That APY would range from 5.00 % to 0.72 % ( refer to Addition 4 ) depending on the balance on Saving Account, In addition Claimant account receved 12.37 % Annually on balance {$1000.00} and above, Refer to Addition 3. Even after applying Netspend fluctuating rate into calculation .502 %, XX/XX/XXXX to .302 % XX/XX/XXXX Netspend amounts applied {$2.00} to {$9.00} is not only not suitable payments it is far below applicable amount base on compound yielding formula. Formula on calculating daily/monthly/quarterly interes is simply divide the daily/monthly/quarterly interes rate by 12 months. The total number of periods is calculated by multiplying the number of APY by 12 months since the interes is compounding monthly. Another Netspend contradiction is yield computation is on 2 % ( {$1500.00} ) purchase Claimant got reimburse {$31.00} ( XXXX ), at another purchase 10 % ( {$27.00} ) Claimant got reimburse {$2.00}, ( BOA ) and on another got reimburse {$15.00} ( XXXX ) on {$1400.00} purchases calculated at .01 % ( {$1300.00} ) and .02 ( {$110.00} ) So on deposit balance {$5100.00} that is 3.26 times more than {$1500.00} and 3.5 time more than {$1400.00} how can {$5100.00} balance in three months attract only {$17.00} ( even at adding recent courtesy offer XX/XX/XXXX {$50.00}, sum {$67.00} ) Addition 1, and {$1500.00} and {$1400.00} within a month attract {$31.00} and {$15.00}. Complainant is asking {>= $1,000,000} from Netspend based on not adequate notice, not due concealment, value to time, not applying applicable formula, fiduciary breach and trend found to not suitable interes payments ranging from {$2.00} to {$9.00}, XX/XX/XXXX to XXXX, XXXX. That even after Netspend XXXX XXXX, affirm 12.37 % annual credits, XXXX processed {$990.00} on the annual credit, XXXX send the notice on 12.37 % annual credit and XXXX affirm calculation on applicable formula tabulation these later NETSPEND employees including XXXX that recently offer courtesy {$50.00} and argued afterwards, XXXX and XXXX XXXX argument to the contrary on what was already agreed and advertise comes out deliberate and complete violation to FCC Truth to Advertisement Clause.

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 2017-09-11
Company: EQUIFAX, INC.
State: FL
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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security number, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: SB Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had an installment agreement with XXXX XXXX, i had an outstanding balance of {$210.00} in XXXX of XXXX i filed for chapter XXXX bankruptcy in XXXX XXXX and XXXX ACCEPTANCE was included as a creditor. I was XXXX in XXXX of XXXX. XXXX XXXX is willfully ignoring the court injunction to cease collection activities by reporting to credit agencies other than a XXXX balance and that it is a charge off. This is unnecessarily harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Status CHARGE-OFF Balance {$210.00}

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 2017-08-20
Company: Experian Information Solutions Inc.
State: ND
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 am a victim of identity theft. I have XXXX fraudulent and unauthorized hard inquiries that 's listed on my Experian and XXXX credit report and do n't belong to me. The following hard inquiries are fraudulent and unauthorized, and do n't belong to me : XXXX XXXX XXXX, XXXX  XX/XX/17, XXXX XXXX, XX/XX/2017, I have never applied for a credit card account with XXXX XXXX or 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 2021-07-08
Company: Consumer Adjustment Company Incorporated
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account opened fraudulent in my name trying resolved problems. With this company is violet my right because post in my credit report information no correct ignored my police report send

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 had to request disputes with Transunion twice. Transunion took. XXXX points off my score. XXXX  XXXX membership charge if someone needs to dispute the 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 2022-06-16
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX PM - I received an email stating : " We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. Our 100 % XXXX-based customer service team is available 24 hours a day, 7 days a week. '' XXXX XXXX AM - I call XXXX in regard to losing access to my online account, after holding for 15 minutes. 

XXXX XXXX AM - I call XXXX in regard to losing access to my online account, and after being on hold for 1 hour and 21 minutes, I hang up, as the wait time was much longer than expected, and I plan on calling back at a later time. 

XXXX XXXX PM - I call XXXX in regard to losing access to my online account, but my phone glitches. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 3 hours and 13 minutes, then I am hung up on. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 30 minutes, speak to a representative, and am told that the line is only for credit card issues, and that I should call XXXX. 

XXXX XXXX PM- I call XXXX, expressing the urgency of not having access to my primary bank account for three days now, am denied a request to speak to a supervisor, and am told my only option is to call the number I've been attempting to call the past three days, but have received no response from. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I hold for 27 minutes, and decide to call again at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Maximus Education, LLC dba Aidvantage
State: AR
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 received notices from XXXX school loans that I had 3 outstanding loans and they wanted payment in XXXX ', I had not graduated high school nor ever applied for a student loan. I have contacted XXXX by registered mail 3 times. 
This is on my credit reports. 
I just received my XXXX  in XX/XX/XXXX again I have never needed a student loan. I am hoping you can review because this is a case of identity theft. i have asked XXXX for any signature pages and have never received any response of any kind My information is : XXXX XXXX XXXX dob:XXXX ss # XXXX i am hoping with the current situation with XXXX this can be cleared up

Company response to consumer: Closed with explanation