BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I initiated a debit card dispute with Navy Federal Credit Union on XX/XX/2020 related to two charges by a travel agency, XXXX. XXXX has repeatedly lied, broken federal law, and changed their terms and conditions after purchase without notification to us. I have written confirmation from XXXX  that the terms and conditions were different when we purchased. I submitted over a hundred pages of evidence to Navy Federal Credit Union in related to this claim and the illegal activity of XXXX. On XX/XX/2020 I was informed that the claim had been partially decided in the favor of Tripmasters based on their new terms and conditions, which were NOT the terms and conditions that were in place at the time of purchase. We are not beholden to their new terms and conditions due to this, as the terms were different when we purchased our travel package. I have submitted this evidence to Navy Federal. I requested a formal, second look appeal by Navy Federal E-Message as directed by a Navy Federal call center representative on XX/XX/2020. I called back to Navy Federal on XX/XX/2020 and got another call center representative who confirmed the E-Message was received but had not been responded to yet and that the credit given to us would be removed from our account on XX/XX/2020. I expressed concern over this, as XXXX acted illegally and I was concerned that the evidence we submitted had not been properly reviewed. I was advised yet again to send another e-message related to the appeal to ask that the credit not be removed pending review of the evidence. 
The credit was removed anyway, despite the mountain of evidence provided to Navy Federal. I have also not received acknowledgement of my appeal or the review of the evidence. This is causing not only financial strain for my family but emotional distress, especially since our financial institution of over ten years is now aiding and abetting a company in committing illegal actions and are going against Department of Transportation regulations related to the COVID-1XXXX emergency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: BARCLAYS BANK DELAWARE
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:
I was out to dinner, and was charged the incorrect amount on  XXXX / XXXX /2017, of {$62.00}. I called my creditor at the beginning of  XXXX , and they told me that they would refer me over to the dispute department. they did not do that. They sent it to the fraud department, and then about 1 week later, I called in, regarding a notice that I got sent that said that I was being held responsible for the charge, that it was valid. I called in and asked what they had found that had made the charge valid, and that was when they said that it went to the fraud department, not the dispute department. I asked them to show me how they figured that the charge was valid, and they did not have an answer. I checked my account, and the charge, has been put back on the account.

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 2017-07-18
Company: Experian Information Solutions Inc.
State: CO
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:
****THIS IS NOT A REQUEST TO PUT ANY KIND OF FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT**** I AM TIRED OF YOU DOIN THAT TO SIMPLY SAY YOU HAVE ADDRESSED MY COMPLIANT. EXPERIAN YOU HAVE UNAUTHORIZED CREDIT INQUIRIES THAT DO NOT MEET THE " PERMISSIBLE PURPOSE '' CLAUSE OF THE FCRA. ACCORDING TO THE LAW YOU THE CREDIT BUREAU MUST SHOW PERMISSIBLE PURPOSE FOR ALL INQUIRIES. I AM CHALLENGING YOU TO PRODUCE SUCH DOCUMENTATION. ANYTHING THAT YOU SEND ME SIMPLY SAYING THAT YOU MUST KEEP THE INQUIRIES ON THERE BECAUSE OF FACTUAL TRUTH IS 100 % WRONG, AGAINST THE LAW AND I WILL PUSH FOR A FULL INVESTIGATION INTO YOUR REPORTING IF YOU DO NOT COMPLY WITH MY REQUEST.
1.   XXXX   XXXX   XXXX   XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY.
2.   XXXX   XXXX   ON  XX/XX/XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 3.   XXXX   XXXX    XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 4.   XXXX   ON XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 5.  XXXX  ON  XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28
Company: U.S. BANCORP
State: MO
Product: Credit card
Issue: Advertising and marketing

Complaint:
US Bank recently cancelled the free night award bonus which was a benefit of their club carlson credit card. I had renew my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertized at the time I renew my membership unlimited free bonus award for any nights booked with points. my family do a large part of our banking with US bank and are not considering other options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my home 11 years ago inXX/XX/XXXX. The loan I got was a terrible balloon/arm 30 year loan. The original loan servicer was XXXX XXXX XXXX. Then the loan was transferred to XXXX XXXX XXXX.  And then it was transferred to Ocwen Loan Servicing. Ocwen has been servicing my mortgage for about the past 6 or 7 years now. In XX/XX/XXXX I ran into financial problems and was n't able to afford my monthly mortgage payment. So I tried twice to get my mortgage modified through Ocwen. During the second try, someone from Ocwen actually told me over the phone that I was approved for the modification and that my monthly payment would be around {$580.00}. I was so relieved until Ocwen sent me a letter saying I had been denied a modification. When I called them to figure out why they told me I was approved before. They told me they would have never said anything like that over the phone. So in order to save my home, I filed for chapter XXXX bankruptcy. I have been in Chapter XXXX bankruptcy since XX/XX/XXXXand I have just a few more months left to pay. So on XX/XX/XXXX, I received a verification of mortgage account letter from Ocwen and they are claiming I have a 45 year mortgage when I should have a 30 year. So I call Ocwen and they tell me " Oh its just a typo ''. So I just go about my business thinking everything 's OK. Then on XX/XX/XXXX I receive a mortgage payment change letter from Ocwen . And on the second page under the " New Interest Rate and Monthly Payment '' section, Ocwen claims I have 408 months left on my mortgage. Which would mean I have a 45 year mortgage. How did my 30 year mortgage become a 45 year? This is n't right at all. Also another complaint is my mortgage payments have fluctuated alot over the past few years. You will find my original loan terms document and both Ocwen letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Called after employment termination to setup a payment plan based on unemployment which was {$600.00} biweekly. Called again after unemployment ended to give them an update they stated nothing can be done besides interest rate decrease. Called today  XXXX / XXXX /2017 on another solution because I have no income, they stated they do n't have payment solutions for unemployed people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Capital Accounts, LLC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX was the first initial contact with a family member of mine about this debt, then on XXXX the XXXX I requested a validation letter over the phone and on XXXX the XXXX I requested a validation letter by certified mail. After not hearing from them after sending the debt validation letter I assumed that they were unable to prove this debt actually belonged to me, as I don't believe that it does since I've only been to this office five times and paid on my bill every time I went. I sent a failure to validate letter by certified mail on XXXX the XXXX stating that " As of today, you have failed to respond to my requests. For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XXXXSince you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. The next time that I received any communication from this company was on XX/XX/2020 when it was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Right after  XXXX   XXXX , 2017, I contact a mortgage company,   XXXX   XXXX   to discuss refinancing of my mortgage. While I was on the phone I gave the loan officer permission to pull my credit report from Equifax. I was advised that they were unable to pull it because I had a fraud alert on my file. I advised him, yes I do and I will remove it. I have the Equifax Complete Premier Plan. The Plan is suppose to allow me to put on and remove alerts, any alert that is on my account. I called several times and spoke with overseas customer service agents who assured me that the fraud alert had been removed. At least 3 overseas agents told me this. I contacted the Loan Officer and they still could not get into my file. The Fraud Alert was still showing. The next time I called I asked the overseas agent to transfer me to a customer service agent n the USA. They did and I spoke with  XXXX  telling her the problem I was having. I told her every person I have spoken with told me the Fraud Alert was removed. She apologized and told me told me she would send a request to their IT department to get this corrected, it would take about 7days. I told her that everyone is telling me that the alert has been removed, but it still shows " ON '' on my laptop. She gave me a reference #  XXXX . I got a letter yesterday from Equifax dated  XXXX   XXXX , 2017 saying the FRAUD ALERT has been removed.  XX/XX/XXXX  I got a card from  XXXX  saying they received information from Equifax and the FRAUD ALERT has been added to my file. On XX/XX/XXXX  I got a letter from   XXXX   advising the FRAUD ALERT has been added to my file. Added to my file, I 'm trying to remove the FRAUD ALERT. No one should have to go through this type of terrible service.
I received a call from  XXXX  from Equifax due to a negative review that I gave after my conversation with the last agent I spoke with.  XXXX  apologized and told me, " I would need to send a letter to Equifax requesting they remove the FRAUD ALERT. '' WHAT is going on with Equifax. I mailed the letter that he requested on  XX/XX/XXXX . They have caused such an unnecessary delay in trying to refinance my home. Please help me get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: U.S. BANCORP
State: NV
Product: Credit card
Issue: Rewards

Complaint:
Some individuals were receiving an offer for a free night stay at XXXX XXXX hotels. However, not everyone received it. The offer was not available for all card holders. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Experian Information Solutions 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 been disputing this same charge off auto account with both bureaus ( Experian & XXXX  ) for the past year. None of the information is the same across the board. They tell me each time they've verified this account all year when none of the information matches. From my understanding, charge off accounts are not supposed to show a past due balance. XXXX  shows {$3500.00} past due while Experian shows {$10000.00}. Just a month ago, Experian showed {$10000.00}, so charges are being added and I have NEVER made a payment on this account after it was closed. Both bureaus are showing a different Date of Last Activity date as well, XXXX  shows XX/XX/2019, how was this last active that date when the account wasn't last active until beginning of XXXX and I still had the vehicle? Experian is showing Date Last Active XX/XX/2019. The balance is also inconsistent, XXXX  is showing {$10000.00} while Experian is showing {$10000.00}. XXXX  doesn't even have the type of account listed its ridiculous. My point is, if these accounts are coming back verified at the SAME time from the SAME creditor SOMEONE IS WRONG and someone didnt take the actual time to do it correctly. So for their apparent neglect in ensuring ACCURATE, CONSISTENT, and UP-TO-DATE info on my reports, I want them deleted from my credit reports. This is ridiculous and I shouldn't have to keep telling them the same thing for almost a year. Experian alsways tells me the account is updated as verified and XXXX  never sends me a response except for a darn credit report and its getting really frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Rocket Mortgage, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a FHA loan with quicken loans and have met the equity for it to fall off but I am still being charged for it. Quicken loans is saying that I am required to pay this until I meet the obligation in of the amortization date stated regardless of what my loan to value is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
J H Portfolio Debt Equities purchased a debt in    XX/XX/XXXX    that originated in  XX/XX/XXXX  from   XXXX   XXXX  . I have asked them for validation of this account since    XX/XX/XXXX    via certified mail thru USPS. I did not receive anything from them until I filed a complaint with CFPB. They only have 31 days by law as per FCRA and the FDCPA. They did not meet this deadline and therefore the reporting to the Credit Reporting Agencies MUST BE DELETED. Another factor to be considered is the fact the JH Portfolio is re-ageing this account or " parking it so it will stay on my credit report indefinitely, by selling it to another debt buying agency. The fact of the matter is J H Portfolio did not respond in a timely manner according to the federal laws and must be deleted from all 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 2017-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On   XXXX   XXXX  , 2017 a staff person at my place of employment handed me my paycheck as it could not be direct deposited for this payroll cycle. However, it is set up for direct deposit going forward. The other employee was in error and was supposed to give it to my Director to give to me on   XXXX   XXXX  . I was informed only today   XXXX   XXXX    of this error. I have a copy of an email that confirms this from my Director. However I deposited the check via Chase mobile on   XXXX   XXXX   after  XXXX  and received an approved message.A day later the deposit was reversed and my account incurred service charges. I now have been informed that the check is being held to   XXXX   XXXX  . It was dated   XXXX   XXXX  . I did not check the date of the payroll check because I have never received a paycheck I could not deposit right away. Chase mobile dud not catch it either. This incident occurred through no fault of my own. I would like all service charges reversed and funds released now. I also want all negative reports on my account and to any credit agencies,  XXXX , and   XXXX    relates to this incident removed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18
Company: CrossCheck, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In  XXXX  of 2017 my son purchased a car from   XXXX   XXXX   XXXX   in  XXXX . Before my son went to the dealership to purchase they sent him to   XXXX   XXXX   in  XXXX  to take out a bank account that the down payments were to be sent to. At the time of purchase the salesman collected from my son a blank check for {$2000.00}. We asked what this was for and he said do n't worry about it it is just a formality. The salesman said the down payments could be broken up in payments to   XXXX   XXXX   to make things very easy. This sounded very good to us. All of the paperwork was signed and he left with the car. No word from anybody until a collection company started calling both my son and me to get the {$2000.00} for a company called cross check. he did not know what to do but gave them a debit card to get {$500.00}. I intervened when they wanted to get another {$750.00} a week later and they started calling me repeatedly. I told them that there was no problem in paying the remaining {$1500.00} but we did not even know who we were sending it to. I told them we were more than happy to make payment arrangements but instead  XXXX  the vice-president kept calling me a liar and yelling and demanded the full amount that day. The most disrespectful person I have ever talked to in my   XXXX   years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX ( XXXX ) first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Trans Union says XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? First with the first missed payment and second for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief