BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My husband and I transferred money to an account holder with XXXX XXXX on XX/XX/2021. This money was for a rental that we had inquired about. We later found out that the rental property we had was copied and listed on another website by someone that was acting as the owner. The owner is being impersonated by someone else. 
We transferred XXXX dollars to the other account on XX/XX/2021. 
On XX/XX/2021 I filed a claim with my bank ( Navy Federal ) to return the funds XX/XX/2021 I followed up with them and the bank started the dispute process XX/XX/2021 Navy Federal sent a letter to the other bank I have an email thread of over 100 emails with the person who is impersonating the actual owner. We have yet to hear back from my bank regarding the funds being returned, the other bank has not responded to the dispute. 

This happened because the actual owner of the home had the home listed for rent and someone else had copied the listing and put it on another site, which is where I found the listing and inquired about it. 

I need assistance in getting the funds returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which Portfolio Recovery claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I hav  e ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) from your com  pany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCP A 807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a company phone number XXXX with a return call number of XXXX they left a voicemail stating its a legal matter and will be going to my last known address and place of employment. I called the number back and got a voicemail that didnt seem legitimate. I left my name and phone number and got a call back from a man saying he represented ace cash express and that I owed {$420.00} from a loan in 2019. He had my bank information the last four of my social and my birthday. He said ace was going to sue me for {$1200.00}. I told him I did not have a loan with them and any loans I previously had, had already been paid. He told me he would contact ace and see how they wanted to proceed. I called ace cash express customer service collection line who informed me that I did not owe anything at all and that this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called XXXX XXXX on XXXX and spoke to a loan originator, XXXX. He explained that my LTV was 77.54 % and my valuation was {$390000.00} ; making me eligible for dropping PMI. We discussed the options : PMI drop or refi- both of which would eliminate the PMI. However, it will take 10-12 months to recover the costs of the refi so I decided to simply request elimination of PMI. 
I called Pennie Mac on XXXX after sending secure messages on XXXX requesting PMI elimination. Several times I was given holds over 15-20 min and never transferred. Finally, I spoke with XXXX PMI specialist and her manager on XXXX. There are several phone # 's and not even the loan originator was truly sure which to call. The PMI specialist told me Pennie Mac calculates LTV as original value divided by LTV, and they only use an appraised value if I pay for the appraisal and only Pennie Mac can choose the appraiser even though I pay.

I explained that the loan originator was willing to refi me at 77.54 LTV which would eliminate PMI, and the manager asked for his name so she could research options/validity of my information. Once the manager researched my file ( previously discussed with me through the loan officer ) she suddenly had several options to talk about : including a {$150.00} appraisal or Numbers provided for Pennie Mac on refi letters, websites, and given by employees : XXXX, XXXX. During these difficult times with Americans struggling- large mortgage houses should NOT be allowed to make processes difficult. Try using Pennie Mac 's website ... .to eliminate PMI. It is near impossible and buried at least 10 clicks deep. Hardworking Americans should not bear a burdensome task that is not protecting the financial underpinning of our country. 
I did NOT choose Pennie Mac and I will not select them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My FHA home mortgage loan has a loan to value ratio of 44 % but the bank will not remove the mortgage insurance.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 these accounts below has violated my rights. 

Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX 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 2020-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other  possible violations of the law.

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 2021-07-27
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused XXXX  to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
American Express cardholder for many years. I have a {$3000.00} limit and used this card as 1 of many. In the process of new job and moving I incurred a couple late fees of a few days which I paid. I then find out they jacked my interest rate to 29.9 % and my monthly payment was getting me nowhere. At any time in my life I never not paid my credit card bills. I tried to resolve this with them and they were pretty obstinate, so I have cancelled my account, but felt I needed to complain about the unfair gouging they have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, On XX/XX/2021. I purchased a pool from XXXX for {$500.00} and did not receive it. So then I tried contacting them to get a refund. I found the phone number online. I was told that the seller was fraudulent and that he/she was from XXXX. That the only way for me to retrieve my money was to convert it to cryptocurrency. So they had me download the app XXXX and XXXX where I made two accounts. Then they had me transfer money from my savings account to my checkings and proceeded to give me numbers and names to whom I will have to send the money through XXXX. As well as adding money to both of the XXXX  accounts through my chasse and XXXX accounts. Then they said that to retrieve my money I will need to purchase gift cards ; target, XXXX, XXXX XXXX. This has been going on from XX/XX/2021 to XX/XX/2021. I have purchased 15 gift cards and the total for all is {$4400.00}. These were purchased with cash, credit, and debit. And they are telling me to purchase more but I will not because I am now realizing how stupid I am and that this is a scam. I have contacted my bank because they have stolen my life saving since I was XXXX years old from me ; {$22000.00} that I had in my savings account. Plus all the money spent on the gift cards. But the bank is telling me that they can not help me because I gave these people the " ok '' but I only did it because I was promised to get it all back. So all they can do is provide me my bank statements and go to the police but without any guarantee for help. As for the gift cards I have contacted the companies and they are willing to work with me with the police but no guarantee either. I don't know what else to do. I am so stressed and I can not help but cry. I will go to the precinct tomorrow and hope for the best. I have the names and numbers of all the supposed customer service employees I spoke to. I have receipts and proof of everything I have mentioned. I also have a fake invoice of my chase refund that they sent me which I will attach below. I really hope someone is able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}

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 explanation
Consumer complaint received 2020-03-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing the identity theft I discovered on my credit report. Most of the accounts have been removed but there are still quite a few that are still fraudulently reporting. They are affecting my score and credibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Credit Karma, LLC
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
CK ( Credit Karma ) is adverting a sweepstakes ( ). According to the Sweepstakes Rules ( https : //www.creditkarma.com/lp/50ksweepstakesrules/ ) 1 ) you can not have an existing ( " CURRENT OR PREVIOUS CREDIT KARMA SAVINGS ACCOUNT HOLDERS ARE NOT ELIGIBLE. '' ) CK Savings Account and be eligible and you must 2 ) open it IN/USING CK Tax ( " ( iii ) using the Credit Karma Tax   product to open a Credit Karma Savings bank account '' ). I can not find any place IN CK tax to open a CK Savings Account. I have contacted CK 's XXXX Team, used the Chat feature in CK Tax and contracted CK support multiple times inquiring how to open a CK Savings Account USING CK Tax - they have only sent me information about CK Savings Account and instructions/links to instructions on how to open a CK Savings Account NOT USING CK Tax product ( via the general CK website/dashboard - not in the tax product ).

CK is advertising a sweepstakes to get people to open CK Savings Accounts. I do not see a way ( believe there is a way ) to open a CK Savings Account as per the written terms and conditions of the sweepstakes ( using the CK Tax product ). CK Support is unable or unwilling to state that the terms are incorrect ( e.g. that the account should be opened outside CK Tax ) - which is unacceptable for a financial services provider - OR provide instructions on how to meet the terms and conditions of the sweepstakes ( open a CK Savings Account USING CK Tax product ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am being contacted at work by a company called Diversified Consultants. I have asked for them to stop calling, they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports. 

This account should be removed from all credit reports immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Ascension Point Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I RECEIVED A LETTER FROM ASCENSION POINT RECOVERY SERVICES TO PLEASE ACCEPT OUR CONDOLENCES OVER MY DEATH.

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 2021-07-27
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received debt collection letter from company owing {$410.00} for XXXX XXXX XXXX not sure when but have complained with the debt collection company this is a fraud attempt. They send me paperwork to fill out but am checking around first??

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 2015-07-29
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am getting calls threatening to sue and take my property for a supposed payday loan that was not paid back years ago. They were very adamant on getting my credit card information right then to get my payment. I told them I would not give it to them without knowing who I am dealing with. They provided wire transfer details but never a physical address to mail payment, which made me feel uneasy because I was pressed to make arrangements to pay within XXXX days at that time. After researching the information provided I noticed that I had a couple other payday loans made after the date in question. I would not have been given another loan if I defaulted on a prior. These people have called my personal phone from different numbers from XXXX different states, and now a supposed attorneys office is calling my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : XXXX Account Name : XXXX Account Number : XXXX look like this account I not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
inquires not authorized by me

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 2021-07-27
Company: TCF NATIONAL BANK
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We had a home mortgage through TCF Bank ( now Huntington ). We were approved to close on a refinancing in XXXX, also through TCF/Huntington, but due to bank delays and failures to respond to us, did not close until XXXX after I submitted an initial complaint to the CPFB ( XXXX ). It now appears that the bank did not properly pay off our original mortgage at closing of the refi. We are now getting past due notices on our original mortgage as well as billing statements for the new mortgage. We are extremely concerned about possible impacts of this on our credit reports. We have not been able to get help from anyone in customer service or our loan officer after repeated calls and emails. We have serious concerns about the bank 's ability to operate as they have mishandled hundreds of thousands of dollars, appear to have no record of transactions and fail to respond to customers. We need help getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account with Bank of America between XXXX and XXXX. I closed my account in XXXX. As background : In XXXX, Bank of America unilaterally re-opened my account without my consent or knowledge, accepted EFT transfers from my previous employer ( who had sent them to BofA in error ) and then reactivated my auto bill-pay settings and disbursed money from my account - all without my knowledge. 

I have not had an account with Bank of America since then. This week ( XXXX XXXX ) I received a customer email from Bank of America advising me about new services for account holders. I just called Bank of America today to ask why I 'm receiving emails. The customer support representative informed me that BofA never fully closed my account. 

I have not had access to any BofA account for years. I have not used their services for years. No BofA account appears on my credit reports - but somehow, BofA is continuing to operate an account in my name. Please advise if there is a way to force a bank to close an account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation