BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA denied our homeowner 's insurance claim because according to them as best as I can understand because I changed our deductible before we had a bad event happen. I had no possible way of knowing what was going to happen after changing our deductible. I appealed and the same adjuster who denied the claim the first time also denied my appeal. I kept pleading with USAA as I didn't know what was going to happen and I had no bad intent. The adjuster 's supervisor responded online that his decision will stand. Shortly later I can't log into my online banking. I later find out that USAA canceled our homeowner 's policy, they blocked access to my online account, they closed my savings account, they closed my checking account, and they closed my credit card which was on 0 % apr promo and want me to pay the balance immediately. I have been a member of USAA for 9 years, perfect account history, no prior claims ever made for our home. My wife and I have been paying their premiums without a single claim for our home. We are both deeply hurt my USAA 's actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Sonnek & Goldblatt, Ltd.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
According to 15 USC 1692e ( 3 ), a debt collector, in collecting a debt, may not use any false, deceptive or misleading representation i.e. a debt collector may not falsely represent or imply that he or she is an attorney or that communication is from an attorney.

I hereby put your firm notice that it has violated the provisions of the above-mentioned section.

Further, as per the judgment made in the case of George W Heintz V. Darlene Jenkins, the provisions of the Fair Debt Collection Practices Act applies to attorneys who " regularly '' engage in consumer-debt collection activity, even when that activity consists of litigation. Therefore, as per the judgment mentioned herein, your firm is liable as a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: MO
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 had first filed a complaint against Experian for continuing to report an alleged bankruptcy since XX/XX/XXXX. On XX/XX/XXXX, I mailed a signed affidavit to the United States Bankruptcy Court asking if they report any information, which includes the alleged bankruptcy to the credit bureaus and they responded back that they do not and I have attached a letter from the United States Bankruptcy Court verifying this information. Also, since XX/XX/XXXX, I have been mailing letters on a monthly basis to Experian, XXXX, XXXX  and XXXX  to remove the alleged bankruptcy since they had reported inaccurate, unverifiable information on my credit report, such as Reference #, Filing Date, Court Name in addition to the credit bureaus not verifying how they reported the alleged bankruptcy. Experian is in violation with the Federal Trade Commission with this information not being reported accurately and timely. XXXX   and XXXX  have removed the alleged bankruptcy from my credit report, however, Experian has remained the same inaccurate, unverifiable information that is still listed on my credit report. I have yet to see anything other than Experian saying that they " Verified '' the alleged bankruptcy without WRITTEN proof as to how Experian was certifiably complaint on HOW they verified this alleged bankruptcy. Why is Experian going to XXXX to verify a bankruptcy? This is in Violation with the Federal Trade Commission.

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was called at work, messages were left with my coworkers stating I owe money, called me stated they were taking legal action and I was going to be arrested for larceny. Given 24 hour limit before they contacted the local police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/ Roundpoiint mortgage sent me a Mortgage billing statement that stated I had " Past Due Payment '' in the amount of {$2900.00}. The payment was in fact not past due and Roundpoint had according to the terms of my loan had an automatic payment established for XXXX. The amount was removed from my account and was never late according to the terms of my mortgage. Roundpoint took over servicing my mortgage on XXXX. I have attempted to call Roundpoint and even after listening to a 3.5 minute recording there is no option to speak to anyone. The only options provided are " get you loan number, make a payment, hear this message again ''. If they are reporting this as late then it will materially impact me. In addition, sending late notices and threatening statements when the mortgage is and ALWAYS has been in good standing and having no way to speak to them is wrong.

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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed once with the credit bureaus in which i received a letter saying this debt was verified. 
I then reached out to XXXX XXXX XXXX and they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either. 

i am attaching a copy of both letters. 

This account is reporting on transunion and XXXX ( XXXX  deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to XXXX XXXX as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.

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 2018-03-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I received a billing statement showing the full amount of the loan being due instead of a regular monthly payment. I called First Citizen Bank XX/XX/XXXX to schedule an appointment to renew the loan. In speaking with XXXX XXXX she stated that she will have someone call. I received a call from XXXX XXXX and e-mail with an application for a consumer/HELOC application request. I wrote XXXX and advised her that the loan was not a consumer loan nor has it ever been a HELOC. I questioned if the correct process for a commercial renewal was being completed. She advised that is how they handle renewals. I completed the request as stated by XXXX. On XX/XX/XXXX I received a call from XXXX stating that my application had been denied and that my file was being turned over to the Loss Mitigation Department. I have had this particular loan for over 10 years and have never been delinquent. First Citizens did not give me an opportunity to look for other financing that would better fit my need and know  plan to place a negative mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NY
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:
there are credit cards on my credit report that ii have no knowledge of that i never used or authorized

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My TransUnion Vantage 3.0 score dropped XXXX XXXX XXXX from a XXXX to a XXXX due to positive reporting history. None of these accounts have been closed and the balance decreasing typically means a credit INCREASE. I am sure this has effected my other vantage scores and all my FICO 8 scores as well and would like this to be corrected across all bureaus. This drop is incorrect.

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 2022-08-17
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX lines on a family plan with XXXX for me and my XXXX childIren. In XXXX My children transferred their phone lines to their own new accounts along with their phone and accessories balances. My daughter still has her line open today and my son switched to a military plan. I had to close my line due to losing my job and illness and the most I owed was {$170.00} for the past due usage and for my phone. XXXX sent a final bill {$3000.00} for all XXXX lines plus additional amounts that they would not explain. It was not for phone usage because they were quick to turn my phone off XXXX weeks after my bill was due if I did not pay. After fighting and disputing with XXXX for XXXX years they said they fixed the account and cleared it, but instead of clearing the account they sold it to Convergent Outsourcing. I filed for Convergent Outsourcing with XXXX and XXXX and reached out to the company itself and asked for a detailed itemized list of what they said that I was supposed to owe on XX/XX/XXXX and XX/XX/XXXX. Convergent OXXXX sent me a chopped up final bill just showing an amount and not what the amounts are for. I do not owe this amount so the information that is on my credit report is false.

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 2019-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with Bank of America. My credit card was paid off, but they continued to withdraw {$250.00} each month out of checking account totaling {$1500.00}. 

Bank of America has assured me that they would be sending me my money back to no avail. Initially they said they would sending the money via check to my mailing address. When I didn't receive the check, I called again. They assured me once more they would send the funds back to my checking account, but have not received them. 

I have communicated with 6 different agents and each time, I am told that the funds would be resent. Please note that this situation has been going on since XX/XX/2019.

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 2023-08-16
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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-30
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an account with Barclay credit card which opened in XXXX. I paid the minimum amount due on time, ( can provide proof ) but my account closed anyway. The reason given was that my credit score was low, even though I was paying Barclay to build my credit rating. 

I can provide my payment history and the letter advising they were closing my account because of my credit score. Which should not have been a factor to them. Unless, Barclay needed to offset their profits as a charge off?! 

Since my account was closed without just cause, I made payment arrangements to pay the balance. But, the interest rate is more than the balance. So, another scenario, it was more profitable to close my account, and double the interest rate. Either way, I feel this is an unethical business practice. Each year the interest rate has doubled. My credit limit was {$1500.00}, as of XX/XX/XXXX, Ive paid {$1000.00} and my current balance shows XXXX 

Please review and help with this unethical business practice. 

Respectfully, 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 2021-03-29
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection reporting with National Credit Systems that is for an apartment complex that I never moved into and cancelled the application prior to to being submitted for approval. I have email communication showing that I cancelled and that I owe no money. They were deducting a fee from that deposit that I never agreed to and there is nothing showing in writing that a portion of that money was nonrefundable for a charity donation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I submitted Complaint XXXX ( summarized below ). Citi provided a response. However, their suggested instructions did not resolve the issue and were in conflict with the information the customer care representatives had. 

Complaint XXXX : I have a Citi Double Cash credit card that I've had for several years and use Citi 's accompanying ThankYou Points. Initially, when Citi introduced their " Shop with Points '' option, I chose to link XXXX to my Shop with Points/ThankYou Rewards account. Now I would like to unenroll from Shop with Point and to remove XXXX from my ThankYou Rewards account. On the ThankYou Points website, it says, " To unlink an account, visit that partner website directly. '' I called XXXX XXXX XXXX on XX/XX/XXXX and the representative checked with her manager and then told me that neither of them had any information about this and suggested I call Citi. When I called Citi later on XX/XX/XXXX, I spoke with a representative and then his manager, who told me that there is no way to unlink my ThankYou Rewards and XXXX account apart from cancelling my ThankYou Rewards account completely. The manager told me that even if I were a brand new Citi customer and used my credit card at XXXX, my Citi ThankYou Rewards information would automatically be shared with XXXX and there is no way she or I can prevent that. 

I got a response from Citi on XX/XX/XXXX where they said, " As it states in the Citi ThankYou Rewards Terms & Conditions... if you were automatically enrolled or if you self-registered to Shop with Points, you would have received an email from that respective partner confirming the registration or enrollment and directions on how to de-enroll. '' This seemed like helpful information, so I found the email I received on XX/XX/XXXX that said my ThankYou Member Account had been linked with XXXX. In that email, there were no directions on how to de-enroll ( in direct contradiction to Citi 's CFPB response ). The only potentially useful information was the ThankYou Service Center phone number. I called the ThankYou Service Center on XX/XX/XXXX and ( like my call on XX/XX/XXXX ) the representative told me that there is no way to unlink my ThankYou Rewards and XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
After file my tax I decided to go with XXXX XXXX and they offered credit kharma to have my tax return. So I decide to out my direst deposit to my credit kharma debit card. After my direct deposit from work we r thru. After 2 day on XX/XX/XXXX, there was two withdraw transaction in XXXX XXXX California with me debit card. I receive a messege thru credit kharam app. I was at work ar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have my debit card with me. I called the credit Khama help center and they denied my dispute. They giving me all these reasoning saying check my email and theyre not helping me. I work hard for my money and I only get paid {$18.00} an hour. So {$400.00} is a lot for me. Can you please help me. I am so angry I went with this company because they scamed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX/XXXX  is reporting incorrectly to XXXX  ; Experian and XXXX a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.

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 2018-03-06
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We noticed last week that we have been charged roughly {$60.00} a month for almost two years for security protection on our Lowes credit card bill. We called them, the amount totaled {$710.00}, they said they would refund us via check within a week. We never agreed to or signed up for any protection service, we are on a budget and really could have used that money over the past two years, reguarldess we waited on the refund only to see today they simply credited it back to our account balance. I called and explained we pay our bill on time they illegitimately obtained the {$710.00} and I would like it back, Ive could have used it over the past two years and want it back now. They werent helpful at all and essentially said we should be happy we got the refund on our account balance. In my opinion they essentially have stolen {$710.00} from me and when they are called out about it they are going to keep it and apply it to my balance? Thats ridiculously bad business for such a big company.

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 2020-03-30
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My social security number has been stolen and is circulating on the deep web. I have reached out to Bureau of Medical Economics and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the XXXX XXXX because some how my information got out and someone took advantage of it. I haven't been to the hospital since I was a child. I am looking to get this collection account removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

Company response to consumer: Closed with non-monetary relief