BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX had a system glitch and posted a transaction to my account XXXX times on XX/XX/23. My bank, USAA had no fraud detection or alert that went through and allowed {$7400.00} to be withdrawn. XXXX has acknowledged they had a system issue and this was an error and they issued a refund however USAA will not release the refund and they state its because XXXX could recind the funds. USAA also will not issue any kind of provisional credit while they investigate. We have called USAA every single day since this happened and they have not helped at all except to tell us they dont when we will have our money. We have been left with no money for 5 days.

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 2019-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the morning of XX/XX/XXXX, XXXX XXXX. I deposited a check for {$5800.00} and was told that I would have a hold placed on all but {$200.00} of this. That initial {$200.00} would be available immediately, but no later than the next business day. I received the paper that states why the hold was on there. It seemed fine. I go about, getting my bills paid. Suddenly, Im overdrawn the morning of the XXXX. I called and asked why theyd not given me the {$200.00} I was told. They said no reason. They extended the hold to the XX/XX/XXXX without a hold notice. Their paperwork I have shows that the {$4800.00} was to be released on the XXXX at XXXX. And the remaining {$860.00} would be released the XXXX at XXXX. However, they took out ALL of my funds and sent me into an overdraft. I am now paying late fees and double payments for every one of my bills because Bank of America had lied to me, and withheld my money ; now violating Article 12. Their {$5000.00} rule was invoked ; however, the additional rules state that that first {$200.00} must be made available within no later than the first business date, and the excess of that XXXX was allowed to be held until they confirm the check can be cashed. However, that was not the case. Three phone calls and Ive been lied to. One agent telling me that the {$200.00} would be available XXXX Friday morning. It was not. I am now paying a double phone bill that will soon be shut off because BofA has done this. The second phone call I made : I was not given a reason for the extended hold, and the redaction of MY money whatsoever. No notice of hold. I am now being spammed with email after email demanding I deposit cash into my account to cover the overdraft.

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 2023-06-27
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The XXXX for my AMEX-Delta card is XXXX %. The balance on my XXXX statement was {$5400.00} and the payment due date was XXXX. Between XX/XX/XXXX and XX/XX/XXXX, my payments and credits toward my balance was {$5000.00}, meaning I had an unpaid balance by the XX/XX/XXXX due date of {$320.00}. 
On my XXXX statement AMEX says that my prior balance subject to interest rate charge was {$3000.00} and I was charged an interest fee of {$72.00}. This interest charge is well above my XXXX and the balance subject to interest rate charges is incorrect. Moreover, I made a payment of {$320.00} on XX/XX/XXXX XXXX XXXX  days after the XX/XX/XXXX due date so the trailing balance only existed for at most 4 days. 
The XXXX billing statement also says that I had {$6100.00} in new charges and a total balance due of {$6200.00} by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I made {$6300.00} in payments ( more than the total balance due on the statement ) and a credit of {$85.00}. This is a total of {$6400.00} in payments and credits for that billing cycle an overpayment of {$180.00} by the XX/XX/XXXX due date. 
However, on my XXXX billing statement, AMEX says that {$4600.00} of my prior balance was subject to interest charges and charged me an interest fee of {$100.00}. 
On XX/XX/2023, I called AMEX Customer Care to resolve this issue of incorrect interest charges and the representative told me that the interest charges are correct and a result of trailing interest resulting from being {$320.00} short in my XXXX  billing cycle grace period. I told the gentleman that I disagree and will file a claim with the CFPB. 
I feel that AMEXs algorithm for calculating interest rate fees is grossly incorrect and needs to be corrected. Think of all the current and prior customers of AMEX negatively impacted by this incorrect algorithm. I want to have my account credited for the incorrect interest rate fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: ALLIANT CREDIT UNION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
* Alliant Credit Union fairly recently switched to a new online portal, and in doing so they broke my Autopay, and they never informed me until I received a threatening letter stating that my loan is delinquent.

* I've attempted ( many times ) to fix the autopay, but the website is still having some kind of bug that prevents me from getting the autopay working, with an error stating that Autopay is already configured, and I must call support for further assistance.

* I've contacted support many times both via phone and secure online messages asking for this issue to be rectified but I get no where with Alliant support. I have wasted hours of my time trying to get this resolved to no avail. The website has a bug and support is unable to get my AutoPay working again. 

*Alliant is charging me late fees. I have always had autopay enabled and I have never missed a payment until they broke my autopay during the transition to a new portal ... 

* Furthermore, when I initially set up my autopay, I had set it up to pay a bit more than the monthly expected payment and there was an option that I selected to have the the remaining extra payment applied to principal. After further examination since the issue above happened, it appears that my extra payments towards principal actually was not being applied to my principal. 

*Alliant has yet to provide me with a loan amortization schedule that dates back to my first payment, and am unable to reconcile my account because online statements do no go back far enough. I have asked Alliant to provide me with ALL statements since loan inception and they still have not sent it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: The Law Offices of Gerald E Moore & Associates, PC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I was In the process of getting a pre-approval for a home loan when the mortgage company informed me that there were several items on my credit report that were large dept amounts owed. I then told the loan officer to go over information with me so I may contact the creditors. To my surprise these were 4 apartments that were delinquent in the state of Ga. XX/XX/XXXX-XX/XX/XXXX and I lived in Fl. I immediately filed a police report and was advised to put a credit freeze through all the major credit bureaus. I followed up by sending proof of identity to the creditors and the credit bureaus to try and get this resolved quickly. I was able to get all of the apartments removed. However, I was contact recently by an attorney office ( Brett Boarland ) that represents The XXXX at XXXX XXXX in XXXX Ga. I contacted both immediately to get to the bottom of it. The law office told me that they were advised by their client to collect dept of almost {$5000.00} because they have my proof of employment listed as working at the XXXX XXXX in Ga. I have never worked there! 
I have already included in my letter of notice to furnisher proof of identity, proof of address, proof of employment for the past 2 years and I am still being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 I was in a car accident. The other driver was at fault. My car was totaled. 
The insurance company XXXX took forever to close the claim. XXXX sent the payoff check on or around XX/XX/XXXX to XXXX for my XXXX XXXX in the amount of {$14000.00}. I had GAP insurance with XXXX, XXXX paid {$7000.00}. We all worked together to get the correct amounts and documents to all companies. It took XXXX until XX/XX/XXXX to finish the claim on their end. I paid a remaining balance of {$1100.00} on XX/XX/XXXX when I found out there was a remaining balance holding up my account being closed. 

The pay off was {$21000.00} The total paid was : XXXX XXXX owes me {$1100.00} back immediately. They have horrible accounting practices Come to find out, XXXX closed my account and made it a CHARGE OFF as of XX/XX/XXXX, knowingly I/we were working with XXXX to close this account. This has impaired my credit for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. I was on time with my payments. I suffered a total XXXX XXXX from this accident. 

I have contacted XXXX for the past 25 days and 17 business days for them to correct this error and correct my credit on all 3 bureaus. I have emailed the CEO, Chairman and CFO regarding this account error. XXXX on the Executive Team of XXXX accounts can be reached at XXXX. I have emailed them 8 times, I have recorded calls as we all agreed to have recorded calls when they call me or I call them. I have provided them with documentation and requested them to correct my account credit by going back to the date of incident as stated by XXXX, removing all late payments and correcting the chargeoff status on all 3 bureaus with correct amounts reflecting immediately. 

I have not received any updates or letters of credit or resolution in 20 days. I need help. This is unlawful and unfair. I have rights as a consumer

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 2023-09-24
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to report a case of identity theft that has resulted in fraudulent information appearing on my credit reports from Equifax, XXXX, and XXXX. This situation is causing severe harm to my credit, personal life, and the well-being of my family members. Despite following all required legal procedures and providing necessary documentation, the credit reporting agencies have not taken any corrective action. I urgently seek the CFPB 's intervention to ensure that Equifax, XXXX, and XXXX fulfill their legal obligations by promptly removing the fraudulent information, which is jeopardizing my financial stability and the security of my family members who depend on our shared financial well-being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage through Wells Fargo. Wells Fargo used to maintain different web sites that serviced their mortgages. It was www.wellsfargo.com/ym. During the months of XXXX and XX/XX/2020 I received letters telling me that this website is going away and I needed to enroll my mortgage into their XXXX  website that services all of their other account types. I followed that process, however my mortgage never showed up on the online account as promised. I always make my payment using this website. I called to make my payment on XX/XX/2020. I was able to make that payment with the phone banker at the time. However, she told me she was unable to complete the setup and that I had to talk to a tech team member. I was placed on hold for approximately 30 minutes without anyone answering the phone. I had to drop the call because I had to work then. I then called about 2 more times in the coming weeks and was unable to speak to anyone. I was finally able to get through on the line today. I held for 20 minutes and was told that my account was " restricted '' and could not be activated that he needed to talk to tech. I was placed on hold for another 40 minutes at this time. The rep came back to the line and told me he now had to transfer me to another tech team that I have a " restricted '' account. I asked what this meant and he could not answer the question. He then asked me to hold so he could transfer me to tech. I demanded to speak to a manager and was then placed into yet another hold. After 15 minutes the line dropped. I still have no access to the web site and now am concerned that there is an issue with my account that no one is explaining to 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 2019-10-18
Company: Navient Solutions, LLC.
State: CA
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:
I graduated from the University of XXXX, XXXX finishing my XXXX in XX/XX/XXXX. I had over {$110000.00} in student loan debt at the time of graduation, both Private and Federal loans. At the height of the financial crisis, I was laid off on XX/XX/XXXX. Having a hard time making ends meet, I contacted Navient for help. They never once offered me a better payment plan, such as an Income Based Repayment option. They pushed me towards setting of a forbearance on my loan. I was unemployed for over a year, in which the accrued interest continued to build on my loan. Ever since XXXX, I have been back to paying my student loans. In XXXX, I ran across other people in situations like me, and found out about the Income Based Repayment option. Navient not once assissted me in repayment options, only forbearance. Now we sit here in XX/XX/XXXX, and my student loan debt is over {$200000.00}! I pay over {$1100.00} per month now, and my total loan principal decreases about {$100.00} per month! This seems incredibly unfair that my {$110000.00} student loan debt is now over {$200000.00}, with no end in sight. I feel like Navient did a disservice to me and pushed me towards a forbearance, which put me into this situation. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express placed an invalid, unverified, fraudulent and illegal inquiry into my XXXX  credit report without me authorizing their organization to view my credit history. 

This is a violation of Federal Law. American Express is knowingly reporting false information to XXXX. 

This inquiry is NOT MINE, nor was it authorized by me, and American Express has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX. 

I've asked for verification. They failed to supply verification. 

This inquiry is negatively affecting my credit report and score due to this company 's false reporting. 

I contacted American Express and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE The following inquiry is unauthorized : Made by : American Express Made on : XXXX Made with : XXXX  The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that this unauthorized inquiry be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan in XXXX on my condo is being serviced by NewRez, who purchased the note from my previous lender. 
1. They sent a letter to me that arrived XX/XX/XXXX that states that they informed me by letter 45 days prior that there was an issue with my flood insurance and gave me until the XXXX. There was no prior letter, and since they acquired the asset as of XX/XX/XXXX they of course would not be sending me a letter before they were the lender. So I am left in the position of being under unreasonable duress to fulfill their insurance requirements. 
2. They claim, on one hand that they do not have a copy of my flood insurance, and on the other that the amount allocated to my unit is not sufficient. How would they know if they don't have a copy of my homeowners? Furthermore, they plan to increase coverage from what is currently in place by 25 %. 
3. When i submitted a copy of the coverage, which is from XXXX, they did simple math and decided that the {>= $1,000,000} of coverage for " Replacment Cost '' divided by 191 units yielded only XXXX/unit and therefore my unit was deficient from the {$170000.00} they require. 
The calculation by the lender is completely arbitrary and does not reflect how insurance deals with claims. Firstly, my unit is one of the larger units in the building. The insurer would not allocate the total coverage generally governed by the unit count, but it would be based on unit size. 
Total replacement cost is also a judgement the insurer made, in its sole judgemenet, as to the reasonable replacement cost. XXXX is a reputable company, and to resort to some arbitrary method, which yields 25 % difference in coverage, is for the benefit of the lender and to the unfair detriment of the borrower. 
This is not a fair lending practice, and should be investigated as it may be common practice by New Rez as a loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: T.S. Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am being harass by IQ Data. XXXX XXXX calls and calls and calls. Even after I tell him I will make a payment on a select date. When he calls he keep telling me I have to pay now and told me on a lot of occasions that I need to take out a loan ( which he try to get me company 's for ) so I can pay IQ. He also told me he was going to call other people to let them know I am not paying my bills on time. Even after I paid a payment, he still said that was enough and I needed to pay the full amount now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill from XXXX XXXX XXXX XXXX XXXX collections. On this bill 2 separate amounts owed were listed. Date of bill was from XX/XX/XXXX statement date was XX/XX/XXXX. The 1st amount was {$79.00} on page 1 of bill. On page 2 the amount due was {$100.00}. I contacted XXXX to clarify amounts along with obtaining further information regarding the interest fees on XXXX at XXXX. I was then given another amount due, I inquired why a 3rd change in the amount owed. And if they were able to clarify their interest charges. I was not given much information by the representative and transferred to their Supervisor XXXX. I left a voicemail and have not received a call back. This information has me uneasy as I believe they are being deceptive in the collecting the incorrect amounts owed and can fraudulently keep an individual owing them money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation