BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2018 my ex-wife was scammed by an individual who deposited fraudulent cashiers checks to her accounts. One of these account was our only remaining joint account, our 18 month old daughter 's youth savings account. USAA wrongfully took funds from my savings and checking totalling {$3600.00} and applied these to my ex-wife 's defrauded accounts as a " right to offset ''. Upon further investigation and over 4 hours of total phone time between my ex-wife and myself, USAA admitted to their error and promised the funds applied to my ex-wife 's account would be put back in my accounts. It has been a week now and three phone calls later and I have yet to receive an update or response to this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I lost {$60.00} to an online scammer who was supposed to provide a product. I did not feel safe using XXXX or XXXX to buy it, & the XXXX he created wouldnt allow me to send money that way, so I thought a bank transfer would be safe, legit & protected. The only way to easily transfer money through your bank is to do it through XXXX. So I transferred the money that way, & as I feared, was never given the product, never got a response back, & his account shut down. So I go back to XXXX to get my money back & explain what happened. Come to find out you cant cancel XXXX payments if the receipient already has an account. But that is the ultimate scammers dream platform! Victims feel safe to transfer the money because its through their trusted bank, but then XXXX offers no protection so the frauds & scammers win each and every time. Millions are lost to frauds & scammers everyday & this company is aiding the criminals by giving them the trusted platform to make it happen. XXXX is truly taking advantage of the trust weve all established for our banks. This is preposterous that theyre even partnered with all the most reputable banks. When will good stop being victimized by not only individual scammers, but big, corrupt companies who have no moral ethics?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC Mortgage offered a forbearance plan to me due to Hurricane Irma and at the time of acceptance they stated I could easily do a loan deferment or loan modification at the end of the term. With that said they would not discuss my options or evaluate my mortgage until the forbearance was over and the loan was in default. Upon default they explained that the deferment was not an option and the modification would take months to approve if it was even approved at all. I faxed in the loan modification paperwork twice ( I have the sent receipts ) although each time they stated they did not receive it but it could be still in the process of uploading into their system which takes a minimum of 3 days. On XX/XX/18 their collections department called demanding the money and stated as long as I made the payment that day I would not be reported to the credit bureaus so I reluctantly made the payment in full and the very next day my credit dropped 118 points. Upon filing a complaint with PNC bank their complaint department stated to me that there is absolutely nothing that can be done and that they report to the credit bureaus on the XXXX of each month. The collections department representatives each and every conversation refused to tell me when they report to credit bureaus. I feel like I was taken advantage of. Nothing was ever signed. They are refusing to send me the " so called '' recorded conversations. They ruined my credit and are refusing to allow me to refinance when I have over $ 200k in equity in the house so they can keep charging me for mortgage insurance. They deceived me and I'm sure they have ruined plenty of natural disaster victims lives due to their process. All I want is for them to help fix my credit and allow me to refinance in order to remove my co-signer as she does not participate any more. Additionally, I had to use every penny I had in my savings to pay the 6 months of forbearance so it would be nice if they could return that to me and defer the missed months to the end of the mortgage or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Good morning, I applied for a HELOC loan with US Bank. When I applied for the loan, US bank asked me to send my credit cards debt by the time. I sent the information to them. My balance on XXXX   credit card was {$9000.00}. When they approved the loan they send me the check playable to chase. Since the loan approval took more than a month, I paid to chase credit card in that time the amount of {$1300.00}. When I went to the bank with the check I got from US Bank they didn't accept the check because the balance was lower ( {$7700.00} ) than the check amount ( {$9000.00} ). I called US Bank and they send me another check for the right amount of {$7700.00}. I paid off the balance to this credit card. 

The issue is I'm paying to US Bank the amount of {$9000.00} + interest ; but the real money I got from the bank was {$7700.00}. Meaning I'm paying {$1300.00} dollars I never received. For any reason US Bank put the original check amount on my loan. 

I started to call the Bank, I don't remember how many times and how many hours explaining the Reps about the issue but they never solved it. So I started to send emails with unsuccessfully results. I got all emails related to this issue, the copy of the check provided by XXXX, etc. 

Since there is no US Bank branch in XXXX, it is impossible to solve any issue by phone or email. 

I really appreciate your help. 

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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
It is deeply concerning to me that Bank of America is using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions are clearly political statements and not business decisions based on financial unsoundness or criminal activity of their customers. As a BofA credit card holder I am concerned they will soon increase their anti-2nd Amendment attack and prevent me from using my credit in a lawful purchase of firearms or gun related accessories or question my ownership of firearms when seeking a home or automobile loan. As a BofA customer and an average American that will need credit on and off throughout my life I am deeply concerned banks and antigun advocacy groups will collude to deny needed services in an effort to dictate social policy. Its appalling that lawful citizens and businesses are treated this way after bailing out these financial institutions with billons in taxpayer dollars. BofAs new firearm policy infringes and discriminates against an individuals Second Amendment rights and should not be tolerated by our government. When private businesses replace legislators and policymakers and attempt to manage social policy by limiting access to credit they should be held accountable for their antigun discrimination.

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 2018-06-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I recently tried to change my loan payment frequency from quarterly to monthly, in hopes of paying it off a bit faster. The servicer charges fees for almost all types of payments, except " reoccuring payments '' drawn directly from you account or checks. When I attempted to set up a reoccuring payment in order to avoid these fees, it says " your fixed monthly payment amount '' when my loan is in fact on a quarterly schedule. I do not have the money to pay the quarterly amount every month but would like to pay a bit more each month to help reduce the debt. The servicer will not change the payment frequency from quarterly to monthly and says its a policy of the university. I asked to see the policy and their response was " believe me ''. I asked them why the wording on the account says monthly if they will not change my loan to monthly and their response was " the wording is wrong but we can't change that ''. This is making me feel as though they would like to make more money off of the fees that they charge instead of allowing me to make a reoccuring monthly payment. I would like any help with this that the Department of Ed can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: AES/PHEAA
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:
RE : account # XXXX I have attempted multiple times to get the late payments corrected on this account and XXXX states that they are unable to correct them. The late payments are for XX/XX/XXXX and XX/XX/XXXX. They are reporting late when they should be reporting as pays as agreed since I was granted deferment XX/XX/XXXX until XX/XX/XXXX. They state they are unable to change something that has been reported accurately at one time. Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * Since I was granted deferment for those months then my account should be corrected to show pays as agreed during all those months. 
I have attached a copy of my deferment letter to show those dates were covered during my deferment. 
I would like for this to get corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Convergent Resources, 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:
On XXXX XXXX Convergent Outsourci add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred and sold and I'm no longer responsible for the account. Debtors creditors did no verify this collection. Also there wasn't no writing form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the fcra Convergent Outsourci has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2018-04-28
Company: CITIBANK, N.A.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Recently XXXX XXXX XXXX and Citigroup have initiated action regarding the Second Amendment to restrict legal business activities regarding providing financial services and resources regarding the manufacture and sale of firearms. This action is politically motivated, violates sound business practices, infringes on my constitutional rights by being discriminatory, and appears to violate anti-trust laws by recent statements from the CEO of Citigroup.

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 2021-02-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My complaint is against Experian. 

I am unable to lock my credit with Experian. Their website is XXXX and seems primarily intended to get you to subscribe to their paid services, which presumably are easier to navigate than the free service. Experian requires a PIN to lock credit, but I do not have a PIN, and every time I try to search for the mechanism by which I can get a PIN issued ( or reissued? ), it sends me in a circle. Meanwhile, my credit report with them is unlocked, and my credit is unprotected! 

If credit reporting were the responsibility of the US government, and the government did as poor of a job as Experian, people would be up in arms. I have no idea why this absolute cabal of extortionary gangsters have so much power in our financial system.

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 2020-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello Rep ; I was shocked when I reviewed my credit report and found that you're reporting a collection on my credit from an account that i never owned. I actually had sent an IdentityTheft affidavit in regards to this to the original creditor and it was removed. How come are you still reporting this now? It was originally from XXXX/XXXX, and i sent all the required paperwork that they had asked me. Please remove this collection from my credit once and for all. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Credit Technologies, 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:
After reviewing my annual credit report I noticed a hard inquiry that I never approved from Credit Technologies on XXXX XXXX. I attempted to reach creditor and was unable to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
State: GA
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 have advised Equifax on several occasions that I was never late on my XXXX XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX account opened in XX/XX/XXXX, the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX and the Chapter XXXX Bankruptcy filed XX/XX/XXXX is not mine this information is inaccurate and may be a result in identity theft. I have provided proof to Equifax that this information is inaccurate. Equifax has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted XXXX XXXX/XXXX XXXX XXXX  to have the cosignor released from my loan. They said after 36 consecutive payments that I could do this. I filled out the form and sent it back. I received an email stating it was denied due to I didn't make 36 consecutive payments. I emailed them Back and they said they made a mistake. Then they told me I had to resubmit a release form again as I forgot to check off that I am a us citizen which I told them I was. I thought that being denied for only that reason and they were wrong that they can't deny me for any other reason. I feel like they are just giving me the run around. Please let me know if they are wrong in making me reapply for the cosignor release?

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-09-23
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased something on my debit card totaling {$850.00} XXXX XXXX XXXX XXXX on are about XX/XX/20. The merchant failed to deliver the goods or the service. I contacted pnc on XXXX to dispute the transaction. They have failed to act or do anything to resolve this issue. 

The case number PNC provided is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. 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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Bank of America, I would like to dispute an error you reported to the credit agencies from an account I held with you. 

On XX/XX/XXXX, I opened up a Flexible Spending Credit Card with your organization. Over the course of 10 years and 11 months, I dutifully made on-time payments on this credit card. 

However, on XX/XX/XXXX, Bank of America inexplicable and unexpectedly terminated their relationship with me and closed all my accounts with the bank including the credit card. I was completely prohibited from accessing online banking and all billing notifications stopped as well. 

As a result of this termination, I held a balance on my credit card that I was both unaware of and unable to make payments towards. It was not until sixth months later, on XX/XX/XXXX, that I received a phone call from a third party debt collector informing me that I owed money to the account. I immediately paid the debt collector right at that moment and brought the account current. 

To this day, I have on my credit reports a 90-119 Days Late line of credit that was Canceled by credit grantor which haunts me to this day. I feel this mark on my credit is extremely unfair as I was completely unable and unaware to make any payments towards my credit card. I also tried to call the bank regarding the nature of the account closure and was met with hang-ups and non-answers. 

I hope there is something that can be done regarding this unique situation regarding this account. 

Thank you.

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