BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 : - An unauthorized withdrawal and transfer of {$9500.00} was made from my checking account to a fraudulent bank account. 
- I notified USAA of the fraud on the same day and we took actions to change my passwords/PINs and log-in information. I was assured given the fraudulent nature that I would be fully reimbursed. 

XX/XX/23 : - Contacted by member of USAA fraud team and informed that Initial review of fraud case was completed and that there was no fraud detected. They did not inform me how/why they came to this conclusion but they informed me that I could submit a re-review. 

XXXX present : - Multiple re-reviews completed with same nebulous, non-descript conclusion that no fraud was detected. They simply stated that this was based on multiple security reviews. They refused to share their fraud report with me. 
- Spoke to multiple members of the USAA Customer support team to include banking/checking specialists, member resolution team representatives and ultimately the USAA Office of the CEO. Their decision remained steadfast. 

Pending Actions per USAA : - USAA issued a Hold Harmless and Indemnification Agreement to a certain XXXX bank in PA requesting my withdrawal be returned. ( They have not received a response. ) - USAA Office of the CEOs stated that my reimbursement is contingent on this XXXX bank paying USAA back for the fraudulent withdrawal. 

Actions I have taken : - I have sought legal assistance from my military JAG colleagues who recommended I file a formal appeal. I have attached my formal appeal as a PDF to this complaint. It was submitted on XXXX. 
- I filed an official complaint with DCs Comptroller of Commerce office online referencing Regulation E of the Federal Reserve Regs, Electronic Funds Transfer Act 12cfr 205 ; that holds USAA liable. They directed me to the consumer finance bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04
Company: CORELOGIC INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
REMOVE INACCURATE 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 2024-01-31
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : XXXX. A copy of the original XXXX XXXX XXXX or Assignment document legally transferring this specific account and amount from the original creditor to your collections company. 

XXXX. Proof that you are licensed to collect debts in Texas. 

XXXX. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents. 

NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION OR VERIFICATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS, i.e. MERELY EVIDENCE OF DEBT. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.

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 2024-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/, I went to the Bank of America location at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 

I asked to close my accounts with Bank of America ( checking and saving ) because they had been charging me low balance fees. 

The representative I spoke with advised he would close the accounts and not charge me any more low balance fees. 

I checked my mobile Bank of America application this morning, and saw that my savings account had been closed, but my checking account had not been. Further, I have been charged {$12.00} for a " monthly maintenance fee ''. 

I called the representative I spoke with this morning, and left a voicemail asking him to call me back. He has not called back. I called Bank of America 's helpline, but no one answered. 

I want my checking account closed, and I want the {$12.00} fee waived. It is an unfair and deceptive act to represent they have closed my account, while failing to do so and charging me for the same. 

Thank you, 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 monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I placed XXXX order back in XX/XX/2022. Phones were purchased and than returned to XXXX immediately in upcoming days. XXXX refunded the whole amount to me. Later after few weeks XXXX bill showed up for {$82.00}. I called and XXXX removed {$82.00} as order was returned and balance was XXXX. Since 2022 XXXX account XXXX on my credit report show as paid after payment late/collection account. This is absurd. This account should not even be on my report as this account was closed due to me returning the order and XXXX made me sure balance is XXXX. I have attached order detail which show order place confirmation and refund confirmation. I would like to request credit bureau to remove this account from my profile immediately. This does not belong on my credit profile by any means. Credit bureau should contact and they will says no balance is due and no balance was ever paid because this order was returned to them. So please remove this XXXX wireless account ending in XXXX effectively immediately. Look up for attached order /account details for more info. There is only XXXX XXXX account on credit report. So remove it. Thanks.

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 2023-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had a returned payment. I had to re-submit my full statement payment as soon as it got returned and my statement was fully paid. I still got {$7.00} interest for {$290.00} statement that I did make. I do not agree with the interest I got because I made my payment XX/XX/XXXX which is before the closing date of my statement and should have not got the interest charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX On XXXX XXXX XXXX there was a series of unauthorized transactions that were charged on my Bank of America checking account. I did not receive any fraud alerts or notifications to confirm charges. On XX/XX/XXXX after login in to my online banking, I discovered the fraudulent charges and immediately notified Bank of America. I disputed the fraudulent transactions and was told that I would receive a residual credit in 10 days. On day XXXX they denied the dispute. I contacted Bank of America to find out the reason for the denial and the rep stated that the notes said that I " told the agent taking the claim that I wrote my pin number on the debit card. '' I told the rep that I never said this and that they could replay the phone call because I knew the calls were recorded. The rep stated that she would re-open the claim for reconsideration. 3 days later they denied the claim again but with different reasoning. This time I was told the reason for denial was because the account was never depleted. ( Basically stating that if a fraud had occurred, the account would be empty ) I was giving no other means of appeal. Unauthorized charged are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Company: Credit Corp Solutions Inc.
State: CA
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:
I filed a dispute with XXXX regarding the derogatory credit reporting from this creditor. Credit Corp Solutions responded to XXXX advising that the file was accurate and correct and no action will be taken. I respond back to Credit Corp Solutions in which I submitted a request for Verification of Debt which they received on XX/XX/XXXXXXXX  ( I sent the letter via registered mailed through the USPS ). As of the date of this letter, Credit Corp Solutions has failed to respond back to my request. 

I re-disputed the case with XXXX once again as identify theft in which Credit Solutions Corp again just responded that the file was accurate and refused to remove the derogatory reporting. The failed to provide me nor XXXX any documentation to support their position and due to the failed to comply with the Request for Verification of Debt within the 30-days timeframe, the file must be removed. 

I filed a police report ( confirmation # XXXX ) with the XXXX Police Department on XX/XX/XXXX. I do not owe them, and they do not owe me anything. My request is simply to have this inaccurate file removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bloomingdales -- - Didnot receive an online order via mail. Matter was investigated via Bloomingdales back house team. Redeemed the that shipped to an incorrect address. Investigation revealed funds should be refunded to me ( consumer ) on or about XXXX via email. After numerous phone calls and emails to customer service I have yet to receive a refund to my bloomingdales credit card. I was informed that a credit would be issued in form a a bloomingdales gift card and not via bloomingdales credit card. I have been paying interest for 2 months on items I dont have. 
I also had to repurchase the same items because I never received them.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
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:
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 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 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
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:
This is XXXX XXXX please 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 2023-12-06
Company: Experian Information Solutions Inc.
State: DC
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 just received my recent credit report, and I found an unrecognized inquiries on my XXXX credit file. 


It's an opened account for credit monitoring. I do not have an account with them. XXXX never extended me no line of credit. 
It's an Account Review Inquiries

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 2023-11-28
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni is a collection agency sent to persecute me for a debt I do not owe to XXXX. 
XXXX is charging me for a phone that I returned within one week of obtaining it through their authorized dealer, XXXX XXXX. 


On the XXXX of XXXX I mistook an " authorized dealer '' for an authentic XXXX store. The shop has a XXXX sign displayed with no disclaimer that it is an independent shop. 
The manager sold me a plan that included an XXXX XXXX that he said I would only have to pay the taxes on. 
The amount he charged me for tax on the XXXX XXXX was {$170.00}. Tax in XXXX is XXXX and the XXXX XXXX cost {$590.00} at the XXXX store that day. ( https : XXXX ). 
I took the phone to a proper XXXX store and the staff said they found the receipt bizarre ; and advised me to return the phone and cancel the contract as XXXX XXXX was not a XXXX XXXX, but merely an authorized dealer. 
I also discovered that the XXXX monthly charges were nearly double the monthly fees XXXX outlined. I immediately cancelled an appointment for XXXX to install XXXX, and transferred my phone service to another carrier. 
On the XXXX of XXXX, I returned the XXXX to XXXX XXXX at XXXX XXXX, but he never returned the XXXX XXXX to XXXX, so they continue to pursue me for charges of {$760.00} for the phone and service that I never used. 
I sent XXXX copies of the receipts -- the original and for the refund for RETURN OF THE XXXX XXXX -- plus notes from my meeting with XXXX, and a description of my history of encounters in attempting to resolve this fraud. Despite all of my efforts, XXXX has unleashed the collection agency Afni to further plague me with demands for funds I do not owe. 
I sent Afni all of the same documentation proving that the phone was returned and XXXX notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX. Tried to make a purchase in my XXXX XXXX account. Purchase later denied. Spent one hour with three customer service reps who could not help me. Finally, the last rep of the evening told me I could not purchase gift cards with a gift card, especially American Express gift cards. He then told me I could make purchases with the card. I told him I would do that the next day. The next day ( XX/XX/XXXX ) I purchased XXXX items with the gift card on XXXX. A wine cooler, insurance for the wine cooler and XXXX small items. The insurance was accepted on the card. The wine cooler was denied, and it appeared the XXXX small items would be approved, but they would not be processed until XX/XX/XXXX. After denial on the wine cooler, I again spent 30 minutes or more with an XXXX rep who canceled the wine cooler for me, sent a letter to the insurance to have it canceled and I myself canceled the XXXX small items. I was told in an email from the insurance company, my balance would be reinstated. 
back to my Amex gift card in 3 to 5 days. I find it utterly unbelievable that American Express has no customer service in regard to this card. I finally went through American Express ( as I am an American Express card holder ) and learned they are not much help either, they could not give me a list of places I could use it, they could only tell me no - to places that I ask about. We are XXXX, this was an anniversary gift card from our daughter. We dont have time to go around and figure from store to store where we can use this card at. what can we do? 
Thank you! 
Regards XXXX XXXX this gift card is {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several calls from XXXX at Midland Credit Management ( XXXX ) over the Holiday weekend pertaining to collection of a debt for someone else. When they called me on XX/XX/23, I told them I was not who they are looking for ( verified address & name ) and asked them to stop calling. I asked them how they got my private phone number but they would not tell me. This information was obviously XXXX and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I the consumer and natural person was denied credit by American Express company on XXXX XXXXwhen I applied for an American Express gold card. According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ) due to the response I received by American Express they are subject to criminal liability for violating 15 U.S.C 1692 as I have proof that I was discriminated against due to the response I received. American Express is in violation of 15 u.S.C 1642, 15 U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number which according to 15 U.S.C 1602 ( I ) is defined as a credit card was used and I received no benefit l, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ) I will also follow up with an invoice for said violations ( {$1000.00} per violation ) please reply back by written statement only within 5 business days of this notice, Thank you XXXX : XXXX Agent/beneficiary Without prejudice. All natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion site does not work and what I attached is one of many I have which will be presented in arbitration or litigation. I can not access your credit report, file a dispute, or access my information for over a year. Since XXXX. I have emailed, called. I was told I am committing fraud and asked to send my social Security number, my Driver Lisc and my mortgage statement.

I have tried to go through annual credit report and because I complained I am being weaponized. The last report I gave in my possession is from XX/XX/year>. Report XXXX. I have emailed higher ups and ignored and being told I committing fraud by trying to access my own report. I have reported to the FTC. The evidence speaks for itself. I have extensive proof. My attorney also mailed a demand letter to Transunion and ignored. How is it possible that for over a year I can not obtain my own credit report. I have had the same information in my credit report. To falsely accuse me of fraud and weaponize because I told the truth. I have every digital footprint when I tried to log 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 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
The rescission language in TILA, 15 U.S.C. 1635. I looked over the document you provided, and I did not see or sign any rescind documents allowing you to report to anyone. That is the document I requested. They sent the information about my purchasing the vehicle. When I sent the 2nd request to Capital One Auto Finance, they stated it was duplicated. How can it be a duplication, when you never responded correctly the first time? So, I am sending it again for the 3rd time, and I hope this time it will reach a desk that can read and comprehend English. I like the 3 disclosure copies I signed to give Capital One Auto Financepermission to report to the consumer reporting agencies.

Company response to consumer: Closed with explanation