BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit fil

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 2017-10-17
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XX/XX/XXXX a credit card purchase of {$1900.00} was made with the Best Buy credit. I was paying my monthly minimum credit card on the Best Buy credit on-time. My minimum could increase from time to time. And then in XX/XX/XXXX, there was an interest charged of {$120000.00}. 

I called and asked for according to them credit was to have been paid in full within the 24 months or that it would be subject to to the interest for the financing of that purchase. 

Now they are sending me bills for over {$200.00} and charging my account {$37.00}. I told them I could not afford such amount and advised that account be closed, which they did but are still charging interest and late fees. I asked that I was willing to pay $ XXXX monthly but they needed me to pay more and typically even as I pay, these charges are being applied.

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 2019-11-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
One of the account holders, who unfortunately, is not very familiar with bank policies or what type of information a bank institution can request over the phone, provided information under the impression that " the bank '' was contacting him due to suspicious activity on the account. He provided information that should have not been given and a few minutes later there were a total of 3 fraudulent XXXX withdrawals made on XX/XX/2019. One was in the amount of {$160.00}, another in the amount of {$750.00} and another in the amount of {$750.00}. 

A claim was filed with the bank institution immediately once these transaction were noticed on the account. However, we recently received notification that this claim has been denied and we will have to pay {$750.00} back to the bank.

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 2022-06-13
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I noticed there was an ACH transfer from my Navy Federal Credit Union account. I reached out to the customer support team at NFCU. They closed the account and completed a fraud report. They advise me to change my user name and password and run a virus scan on my computer and phone. At which point they gave me access back to my mobile and online banking. They gave me a {$5000.00} provisional refund until the case was researched. 
2 days after I went through this process, there were two other attempts for {$5000.00} each on the brand new account. Once again, we went through the process and opened another new account. I took my laptop to XXXX XXXX  to have them do a thorough check and make sure it was free from XXXX  or anything else. A few days later I called and had my mobile banking reactivated. 
Sunday XX/XX/XXXX, I was balancing my checking account and noticed on XX/XX/XXXX there was an adjustment in the amount of - {$5000.00}. I called them as soon as they opened and they stated my claim was denied. I was asked to send an email addressing my concerns. Which I did, and it takes 2-3 days for a response. I'm on hold as I type this complaint. Hold time is 30 minutes, I will hold for two hours to get this taken care of. 
I'm in the midst of purchasing a home and I don't have 2 or 3 days. I will not be held responsible for the actions of a common criminal, nor should I be.

If you can please help me or point me in the right direction, I would greatly appreciate it.

Kind regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Prosper Marketplace, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX, XXXX my installment loan with XXXX was paid in full with a check from XXXX XXXX XXXX. The payoff was lower than the check amount in the neighborhood of {$1200.00}. After contacting XXXX on XXXX XXXX, XXXX to ask about the refund, the customer service department explained that it could take up to 10 days to receive the refund back to the checking account they had on file for the loan. He assured me that the refund would be in my account by XXXX XXXX, XXXX. I have not seen the refund to date ( XXXX/XXXX/XXXX ) and spoke to a supervisor at XXXX today. I have been told the refund will take up to 20 days, and that she can not confirm any future date of deposit. I then requested to speak with her supervisor and was told that they do not have a direct line or phone number I can call, but that I must wait to hear back from them via email. I now have no idea when I will receive my refund, and I am incurring late fees and late payment reports on the credit cards this money was earmarked to pay. 

XXXX is exercising control over my property which is in essence theft. They are also making interest on my money which is considered fraud. I think the only remedy would be to pay the money they owe me immediately along with interest and late fees just like they would demand from me if I refused to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper ( Nationstar Mortgage LLC ) Loan Number : XXXX provided me with a payoff quote. On XX/XX/2020 they sent me a note stating " the fees and costs quoted on the payoff totaling {$650.00}, are further itemized as follows : Prior Legal Fees. '' At no time did Mr. Coper ever provide any legal services to me. At no time have I ever been informed by Mr. Cooper that there were any outstanding fees. This is a complete shock.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On or about XX/XX/2018 I sent the attached letter ( XXXX 's XXXX letter ) to XXXX 's detailing inaccuracies they are reporting to Transunion, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of  FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but XXXX 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case XXXX 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.

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 2022-06-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In late XXXX went to the drive through of a truist bank asked for a certified check for {$1100.00}, teller pulled up a joint account that was not mine and after ealizing the mistake froze their system. I was working I was asked to come inside and then they wanted me to come back at XXXX in the XXXX. I came back the next day as the bank opened and was there for a hour and a half and was told by a bank officer that usually the money would have came out of the managers account but they took it out of the tellers account is what I was told. They gave me the certified check and as I left I said " is my money ok? '' He said " yes sir '' I gave the check to my landlord and it took 2 weeks for the check to be recognized as no good. I went back up to the bank where I got it from and they said it was a mistake that there was 2 checks out their and needed information from my landlords bank. I gave them the information I could get from him that he deposited it from a paper deposit check with other checks. When I found this out I went up to that bank and as I walked the manager stopped me and said very bluntly that they could not help me. I told him that somebody would help me before the end of the day and I went outside and sat in my truck and filed a complaint with their headquarters in XXXX NC over the phone.i have now paid XXXX, XXXX and XXXX rent and my XXXX still isn't payed. The stress has been unbearable I am a XXXX XXXX XXXX XXXX  who gets no help from anyone. And have been up to my regular bank 4 times with no results, my landlord is well known in the area and it is amazing that he hasn't thrown me out by all I want is for them to make it right they have my money.

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 2017-10-17
Company: Experian Information Solutions Inc.
State: MD
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:
On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CrossCountry Mortgage LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company CrossCountry Mortgage is supposed to pay for my NCIP flood insurance policy from my escrow account. They failed to do this, claiming that NCIP never sent them a bill. They never received a bill because they never provided the correct billing address to my insurance broker. Since my flood insurance policy was about to elapse on XX/XX/XXXX, I paid the renewal for {$1400.00} out of pocket and provided proof to my mortgage company that I had paid it on XX/XX/XXXX. I have demanded the mortgage company to reimburse me for this amount from my escrow account multiple times and they have not reimbursed me. The first time I had called them on XX/XX/XXXX, they told me I would get a check in approximately 15 days once they received the proof of insurance. When this did not happen, I called them again and they told me they would not reimburse me until XXXX. This mistake is not my fault. The mortgage company was supposed to pay my flood insurance policy in the first place and I can not wait this long to receive the reimbursement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was CAPITAL ONE BANK USA customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " '' goodwill '' '' adjustment to your reporting to the three credit agencies. I have late payments on the account XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment due to covid-19 pandemic from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Atlanticus Services Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
During XX/XX/XXXX, I spoke with a Fortiva customer representative to set 3 payments to close out my account. On XXXX XXXX, 2017, XXXX I received a call saying my account was not update. I asked to speak with a manager. She explained their records show were no records of 3 payment made. We went back and forth. I finally decided to make a payment. Which she requested that they systems could not make any additional payments. I demanded to never call my phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked Equifax to explain why my account comes up as a fraud alert to car dealer. My credit file is not reporting accurately. I was told to provide proof of Identity. I have given them my information and it has not update or change the status of my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has called me repeatedly they call 10 to 15 times  a day. They use different numbers to call. They also use my home phone number to call me, my number pops up on my caller ID when they call. I asked them about this and they act like they do not know what I am talking about. Pleas stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX {$4000.00} XXXX {$11000.00}

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 2017-10-17
Company: Hauge Associates, Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, 2014 HAUGE ASSOCIATES I was going to school for one year at Iowa XXXX before I decided to change direction career wise. I had thought that through XXXX Grants and my XXXX that my student loans were put together for me to track, this balance showing on my credit now for 3 years, of {$1000.00}, I have no knowledge of whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS # XXXX XXXX XXXXback in XXXX I was XXXX  on XX/XX/XXXX I had a beginning balance of that I don't know what was I don't have the account number from that time until the account was closed in the summer of XXXX I had no activity in the account because I was in XXXX XXXX until XXXX I notified the bank in XXXX that I was in XXXX and they told me that I owe them {$510.00} for a bounced check in Missouri and I told him that any activity during the time I was XXXX  and a time that was close the account was closed on a bounced check in Missouri was all a somebody else doing not me because I was in XXXX I told him don't that it was be under criminal  investigation so I hope they have all their the files on it they won't give me any information on my account at all they won't give me the account number I have all the information from social security on what was deposited into the account I have a letter stating when I was in XXXX  and XXXX  and I have a run around letter from Bank of America where they won't give me any information it's under criminal  investigation right now so if they destroyed any of the evidence they destroyed evidence in a criminal   investigation they had a copy of my ID so nobody else should have been able to take anything out with an ID because it wasn't me now I can't get the I can't get Bank of America to send me any information on when all the 30 proximately {$34000.00} that was taken out of my account while I was in XXXX  and XXXX and it's in the bounced check they keep putting fraudulent information out on the checking 's system in my credit so that's why are frog so they are committing crimes against me right now

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 2017-10-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My wife and I obtained a vehicle loan through Fifth Third Bank in 2016 for the purchase of a XXXX XXXX XXXX. In XXXX 2016, I set up auto-pay with Fifth Third so that our monthly payments would automatically be paid. This was set up directly with Fifth Third, not through our own bank.

Since that time, I have had to set up Auto Pay three more times, but they keep missing payments, or applying payments late through their own system. To rectify the situation each time, I have to call Customer Service, who has told me every time that I am enrolled in Auto-Pay and they do n't know what the problem is ; then I have to call Auto-Pay, who also says they do n't know what the problem is.

At this point, I have spent at least three hours on hold with Fifth Third trying to get late fees and penalties removed from our account ( I am actually on hold with them right now ). 
They have stated several times that I am a month behind, so I have made manual payments over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I bank with BBVA and also for business with a company called " XXXX ''. XXXX XXXX is an app that allows workers to imput their work hours and earnings into their system and receive money before their payday. This service is of great necessity to me based off of the drive service work I do and the need for gas to complete my job. Recently, my bank has not been updating my bank info faster enough, it 's almost at crawl.. I do n't know what the recent hindrance is, but I have updated all my online banking alerts so my information should be sent immediately. I love banking with BBVA, I would just like this aspect of our relationship to get better.. <P/>I just need my bank info to be sent to XXXX faster so I do n't have issues using their services.. <P/><P/>Thanks 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 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email stating an bank account was opened using my information including social security number. I contacted the institution and closed the account 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 explanation
Consumer complaint received 2022-06-13
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance to the fair credit reporting act XXXX  account # XXXX Has violated my rights 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 section 604 A Section # 2 Also states a Consumer reporting Agency can not furnish a report without my Written Instructions 15 USC 1666B : A Creditor may not treat a payment On a credit card account Under an open End Consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation