BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2019 I became aware that I no longer had access to my USAA Savings account, which contains nearly all of my life savings outside of my XXXX, XXXX, and the nominal amount in my checking account. This was highly concerning and put me in a good deal of duress. 

When I called the customer service line, at first they could not locate my account at all. After a period of time, I was informed that my savings account was a custodian account, technically a UTMA account created when I was a child, and due to a recent manual update, I no longer had the ability to view the account or make any actions related to this account. They informed me that this change occurs at the age of XXXX ; I am now XXXX XXXX XXXX and have had access to the account until XX/XX/2019. I received no notice in advance of this change, nor did my father, who they say is the custodian of the account and today still has control of the account. My understanding, after some research, is that I should have had full access to this account when I turned XXXX. 

I was made aware of an internal memo related to this issue. I asked for a copy of this memo or any other written document related to this change in policy, and I was informed that they can not provide anything in writing. I asked for a copy of the recording of the conversation and they were unable to provide it. I received a call from USAA tonight, XX/XX/2019, informing me of the same. 

This episode is very concerning to me. I contacted my father and he has transferred the funds to me in full, but I am not certain he had any obligation to do so, and I am worried that there are other XXXX-year-olds out there who have had their life 's savings taken from them without recourse. I do not understand how USAA could have concluded that an account I should have had sole control over when I turned XXXX was given to my father.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2018 Amount : {$340.00} Bank : American Express Made a purchase and the shipping address was different from the billing address. Call the bank to stop the transaction but stated it was on HOLD until they get more information. Refuse to put funds back on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
A UNKNOWN ACCOUNT HAVE POPPED UP OM MY CREDIT IT REPORT.IT IS HURTING MY CREDIT PROFILE. PLEASE REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX I was in training for the XXXX  XXXX of XXXX thru XX/XX/XXXX I arrived at my XXXX XXXX  XX/XX/XXXX at some point in XX/XX/XXXX someone was able to get a second bank card for my personal account and withdrew a total of XXXX from a atm in Tennessee Im XXXX  at XXXX XXXX North Carolina also I have never been to Tennessee they are still in the process of deciding where to get give me the money back or not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender is not helping me save my house. I tried to submit an application but my lender refused my application and said that there is no offer available for me. I just want to save my house and I am able to make my monthly payments now that I have been doing well. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, AND BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDI AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened betweenXX/XX/2006 and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save XXXX and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.

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 2021-06-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2020 I booked a flight to XXXX to take place in XXXX. The total price for the flights was {$2400.00}. When it became clear that this flight was not going to happen I called XXXX XXXX and asked if I could cancel my flight since it had already been rescheduled to a different time which opened up the ability of the ticket to be refunded. The agent on the phone told me that this was fine and to find the hidden area on their website to do this. The website kept changing back to XXXX every time that I went to a new menu and was intentionally difficult to apply for a refund. Desipite this, I applied for a refund for all of the flights that I booked. Months passed and I never received one dollar from them. I then disputed the charge with AMEX in XXXX. They denied my dispute and did not provide a reason why. I then contacted the Department of Transportation. The DOT responded to my inquiry and XXXX  responded to my complaint that they were trying to refund the money but couldnt because of an open dispute. There was no open dispute. Weeks went by with no resolution. I then reopened again XX/XX/XXXX the dispute with AMEX showing them the email proof that XXXX  airlines agreed to refund. I was denied again. I now have no money and no credit and the flight never happened. I am out the full {$2400.00}. Thank you for reading this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried multiple times to pay more principal on my loan but they just apply it to interested no matter how I specify it. I got so sick of trying to do it that I gave up and just pay the monthly amount. 

Also the math on my history and statement just doesn't add up. No matter how I try I cant get the statements to line up on ending balance. 

Lastly I am a stay at home mom. I have XXXX income. I cant change loan providers even if I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Hunter Warfield to try to get some documents on a debt they said I owe. The gentleman said I do not have the right to dispute the debt and refused to send me any 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 2017-11-24
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been being harassed with multiple daily phone calls by Navient for the last year or so. I graduated in XXXX and am currently prepping for graduate school which should start next year. I have communicated this to Navient multiple times that I am unable to make payments on my loan right now and am not done with my education, as I am waiting to be accepted to a program. 

I have put my loan on deferment several times, and I am fine with continuing to do this, however I need them to stop calling my phone multiple times daily. I have requested multiple times they communicate via email or actual mail and this is a form of harassment. I will pursue legal action against this company if they do not discontinue the phone calls immediately. They call from a different phone number every time, and sometimes when I answer the calls it says " please hold for the next available agent '', so I know they are using an autodialer to call me. 

I have gotten 6 phone calls TODAY alone, and my next loan payment is n't due until XX/XX/XXXX! That is not for over 3 months! LEAVE ME ALONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Google Compare Credit Cards Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX at XXXX CST I received an email from Google Pay that I transferred {$750.00} to another person. I did not initiate this transaction and immediately reported the transaction as fraud using the link in the email. I received the dispute request confirmation email from Google Pay at XXXX, 16 minutes after I was originally notified about the transaction. 


On XX/XX/XXXX, XXXX CST a rep with Google Pay support replied back to my support ticket saying " no fraudulent activity '' was found on my account. I attempted to get them to escalate the case because I didn't make the transaction, don't know who it went to and am shocked that with a fraud report 16 minutes after the transaction that they could do nothing to stop it. 

Over the next few days I continued emailing with Google Pay support, but they refused to give any more details on the case. 


Following their own EFT Error Resolution Policy they state that if I reported the unauthorized use within 2 days the most I can lose is {$50.00}. However Google Pay support says that policy may not apply but will not give me a reason.

I have stated in my communications with Google Pay support that I believe the transaction is fraudulent, that I believe I know how the unauthorized use of my account happened, but they refused to review the case further or provide any details to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: CAINE & WEINER COMPANY, INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir or Madam, recently I was unpleasantly surprised to find that my credit score had gone down a lot because of the collection agency " Caine & Weiner ''. Until now, because of the way " Caine & Weiner ''  conducts business I thought that the person who was calling me back in 2017 was just a scummer trying to get to my bank account. 
Each time he had called me I ask him to identify himself but not over the phone. Each time he had called me, I'd told him if he was who he said he was, he should follow the FCRA legislation, as a collection agency, there are some steps to take prior to contacting any " delinquent '' over the phone. 
I told him that, " the consumers have 30 days from the initial communication about the debt ( for example, the first letter received explaining the debt is in collections ) to call the collector and ask for the debt to be verified in writing. The collector must return your request before it can start trying to collect the debt again. '' Because in my case the initial communication was missing, I asked him to send me a letter with all the information 's just to prove he was who he said he was and also I wanted to see the statement, the invoice, from XXXX XXXX, that reflected my " delinquent activity '' with the bank, knowing that my XXXX XXXX Credit Card issued by XXXX XXXX  as well as the other Credit Cards issued by XXXX XXXX  like XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX were in good standing at that time and still are in good standing at the present. 
Every single time he had called me, his first question was if I was ready to make a payment and what card or bank account I was going to use, not just disregarding my request to prove who he was, but actually telling me he wasn't gon na send me any letter with all the pieces of information I was asking for, making me believe that he was just another scammer. 
I hope he still has all the recorded conversations to prove everything I write down in this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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: Old information reappears or never goes away

Complaint:
XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2019-09-21
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I filed a complaint with CFPB and FTC regarding Hunt & Henriques collection practices. They had sent me a letter alleging that I owe a debt for {$5500.00}. I sent them a letter requesting validation of the debt. They sent me back a letter stating I have no right to ask for validation. Well, that complaint was heard and answered. Today XX/XX/2019 I recieved another letter from Hunt & Henriques stating " RE :  NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS '' It states they intend on filing suit against me. This is clearly in retaliation for the complaint which I filed on them XX/XX/XXXX for this same alleged bill of {$5500.00}. They are now threatening me. This is clearly retaliation and harassment. They need to leave me alone. I dont know who they are and I do not owe them anything. I am filing this complaint for documentation of thier abuse. Please advise what I can do. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was negative {$14.00} on XXXX at XXXX XXXX ca time zone there were not any pending charges on my bank account. My boss sent me my paycheck XXXX at XXXX XXXX When I checked my account yesterday before XXXX my account was not negative and they pushed my XXXX deposit as of today and not yesterday I have used XXXX 100s of times the funds are available to use right away and I shouldnt of had an overdraft fee They new there was pending deposit they didnt let reflect on my account so I could get overdraft my sister XXXX XXXX seen my bank statement yesterday and she sent me the {$10.00} so I have a witness thats willing to states under oath there where no pending charge on my statement the only time I see the chargers where today and the computer posted them as yesterday when they should have posted today because it didnt reflect on my account how can someone keep there account balance form negative if there hiding your pending transactions thats fraudulently Either there computer glitch or there programming it to hide pending transactions so you can get overdraft todays pending transactions went through right away no issues but not the ones form yesterday and the only difference is my account has money in it today and not yesterday morning I was also told by an employee today they are having IT problems there systems is down that could be on of the reason there computer glitches on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
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: Their investigation did not fix an error on your report

Complaint:
After many attempts to resolve this issue, Experian and XXXX continues to report the following item : Experian : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, Experian, and XXXX. XXXX has deleted the item from my report. While Experian and XXXX in clear violation of the FCRA continues with what seems to be malice to report these items. Additionally, they will not provide the true source of the provider of these items or the method of verification ( as required by the FCRA ) so that I may make challenges to 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 explanation
Consumer complaint received 2019-09-21
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was rudely hung up on by XXXX XXXX and XXXX XXXX at M and T Bank headquarters XXXX XXXX XXXX. They know that my home was wrongfully sold but refuse to follow civil procedure and ignore regulations. An investigation was done by the Sheriff 's office into the fact that this foreclosure was not conducted correctly. People should not be exploited like this. The law should be followed.

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 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
THE ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.

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 2019-09-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost my drivers license and as a result, someone used it to gain medical attention, and car Rental services. So Please Remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost my drivers license and as a result, someone used it to gain medical attention, and car Rental services. So Please Remove.

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