BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XXXX May 2023 0939 am Hawaii standard time I initiated a wire transfer from my bank to another bank in accordance with fraudulent escrow instructions I received. 

At XXXX Hawaii Standard time I was notified by my escrow officer that the $ XXXX wire transaction was fraudulent I called USAA federal savings bank at XXXX Hawaii standard time to cancel the fraudulent wire transaction and at that time they told me there was nothing that could be done that Id need to call back at XXXX Hawaii standard time to speak with wiring team. 

I called XXXX XXXX bank, to report a fraudulent wire transfer and they told me there was nothing they could do that Id have to contact them during normal business hours. They would/could not cancel the transaction on the bank account provided and could not look to see if the account information was impersonating The title company. 

At XXXX Hawaii standard time ( more than two hours after initial report ) I received a confirmation email from USAA that the wire was complete. 

They had more than two hours before the wire was complete to cancel the transaction and call someone in to support. They failed to prevent this from further action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Chrysalis Holdings LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want New Day USA to stop sending junk mail to my home. I have complated the online Opt Out and they still send me just mail for XXXX XXXX XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I have a 15 year Fixed Home Mortgage Loan with US Bank. When I login to make a Mortgage payment from their web-site ( https : //onlinebanking.usbank.com/Auth/Login ), it gives you few options when making the mortgage payment. Even though, I select the payment towards next EMI, the payment is still applied towards Principal payment. When I communicated with them, they did so many reverse entries that no one can understand ( I have XXXX in XXXX still it is confusing ). I am not sure whether my payments are correctly applied so filed a complaint with their customer support department. Have only got communication with a vague language without any answer to my original complaint. Please help me to resolve the issue as US Bank does not care for resolving it. 

Thanks. 
P.S. I can provide my personal information if needed.

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 2020-11-17
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Citi Bank applied Payment Safeguard to my account with any permission to do so. I called about the fee once a couple years ago and was falsely told that it was a required fee as I had a balance. I recently called again after being informed that it is not required, the customer service representative cancelled Payment Safeguard, and informed me that if I did not sign up for Payment Safeguard I should be refunded for all of the charges. I never signed up for Payment Safeguard, and never would have if offered. 

A few weeks later Citi Bank sent me a letter telling me that I was not due a refund because it is an insurance policy and that you can't cancel it later if you don't need it. 

This has cost me thousands of dollars on an account I have been working to pay down. Almost 1/3 of my monthly payment was taken and put towards this service. I have paid my account every month without fail, and not even a single late payment. This service should never have been applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Venmo is a complete scam! they froze my account XXXX year ago without any reason. they said in XXXX  days I can withdraw my funds but its not true! their system does not allow me to add any bank! I have send many emails and they keep ghosting me! now they finally replied and said there is a block in their system that they can not override! so I cant withdraw my money! they owe me {$2400.00} and refuse to give me my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: IN
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:
An account with XXXX XXXX XXXX from XX/XX/XXXX in the amount on {$380.00} that was due to fall off ( or already has ) was illegally re-aged in XX/XX/XXXX. I sent a dispute to Equifax and they closed the investigation without any information on why it was not deleted. I re-submitted the claim and still not information and being unresponsive. 

It has already been removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, Transunion and XXXX to no avail. I have even sent them a copy of my identity theft reports but they refuse to investigate. 

Even if there was no identity theft, the information is still inaccurate across the bureaus. 

XXXX XXXX XXXX High Balance : Date of Last Activity : Date Opened : Balance Owed : Closed Date : Last Payment : XXXX XXXX XXXX Date of Last Activity : Closed Date : Balance Owed :

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 2022-03-28
Company: Experian Information Solutions Inc.
State: IL
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:
on XXXX2022 i sent a letter regarding inaccurate and unknown things om my credit report to this day over 60 days later i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes, Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into hands of the wrong person

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 2020-11-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing this account with synchrony bank to update the payment history on this account since XX/XX/XXXX. They have come back each time stating that the account is " certified as accurate ''. The payment history is still reporting incorrectly. This account can not report 31 charge offs for 3 years from XXXX up until XX/XX/XXXX. The payment history from XXXX-XXXX has been eradicated and doesnt report at all. The date of charge off states XX/XX/XXXX when they charged the account off in XX/XX/XXXX. I have called and reached out to the company and was told that they dont handle XXXX accounts and that these accounts were given to XXXX XXXX. Another rep from XXXX XXXX told me that the account was sold to another company called enhanced recovery company. 1-how can synchrony verify the account as accurate if the payment history is still the same and has not been corrected? 2- how can they verify an account is accurate but don't have any information about the account anymore? 3- how is the account verified as accurate if the charge off status still shows XX/XX/XXXX and not XX/XX/XXXX? This account payment history needs to be corrected or the account must be removed from my XXXX credit file. This is in violation of the fair credit reporting act.

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 2023-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
when I wanted to log in Capital One online bank on XX/XX/XXXX, I found that I could not log in. 
I called the number XXXX ( XXXX ) XXXX to help me solve the login issues. The customer service representative not only failed to help me resolve the issue, but also insisted on closing my checking account due to security concerns. The representative did not verified my identity and did not check with me. He just asked me what operation I did recently. I told him that I just added an external checking account and verified this account several days ago. A moment later the representative directly told me that he would close my checking account. When I heard what the representative said, I felt very surprise and crazy and I felt that I was discriminated because the representative did not verify any operation with me. The representative was very insistent about closing my account and did not tell me the reason, he told me that I could never be Capitial One customer again. 

As the checking account will be closed, now I can not contact the Capital One customer service, and I have tried many times to find any online representative by the Capital One service call. But I can not speak to any online representative. I only receive the messages that tell me to leave voice messages. I am very crazy and angry, I am feeling so worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: RentDebt Automated Collections, LLC
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company is trying to say that I lived in an apartment named the XXXX. I have never lived in an apartment by that name. I need it removed off of my credit report. It is preventing me getting housing. Im currently living with family and I need my own home. The company name appears as RentDebt Col in the amount of {$5700.00}. The account number is being reported as XXXX. It doesnt belong to me. Im not familiar with the name of that apartment complex AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: DE
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: Investigation took more than 30 days

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-02-04
Company: EQUIFAX, INC.
State: NC
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:
In XXXX with the Fair Credit Reporting act the companies below have violated my rights. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$4000.00} NC XXXX XXXX XXXX {$2200.00} NC XXXX XXXX XXXX {$9600.00} NC XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$110.00} 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.

Pursuit of 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
i provided all the proper documents and proof of my statements from XXXX, XXXX, and XX/XX/2023 - from XXXX Bank to Discover card by fax, including the latest on XX/XX/2023. Please review the fax from XX/XX/2023. The numbers are there, and they are correct. I just need someone to actually look at the documents, as {$100.00} was the initial deposit on XX/XX/2023 and then {$1.00} added on XX/XX/2023. Please see attached. Please allow me to use my account # XXXX XXXX XXXX XXXX. 


My SSN is XXXX XXXX discover card number XXXX XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NC
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:
I have made numerous attempts to work with this company to have the incorrect information removed from my account. I have been treated unfairly and at this point I want to make a formal complaint about the unfair treatment I have received. This account has so much wrong with it I don't know where to begin. I was lied to about interest rates, late fees and more. I was threatened by creditors, and even after I explained that most of what is showing on my report is incorrect I've been treated terribly unfair. I've brought attention to these errors several times- asked for it to be escalated to manager, and never was helped. I would appreciate you paying utmost attention to removing these incorrect items from my report. This company is impossible to work with and under the FCRA I am requesting them to be removed from my report IMMEDIATELY. I truly appreciate your assistance as I do not know where else to turn and this is greatly impacting my ability to further my life, buy a house, and get out of the viscous cycle of debt my generation is in.

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 2021-01-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The owner of the mortgage passed away. We have tried to work with SPS, we have submitted documents to them from the surrogate 's court. Every time we submit the documents to them, they always come back stating that they never received any documents or some other excuse, why we can not even get basic information on the loan. They will not give us any information or try to help us bring the loan current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is XXXX clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,

Company response to consumer: Closed with explanation