BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a member of USAA since XX/XX/XXXXand currently my daughter and I have a checking account together for her college payments. On XX/XX/XXXX a transfer in the amount of {$660.00} was made from her USAA college investment account to her USAA checking account, and although that transfer was made internally between USAA accounts, the funds were placed on hold until XX/XX/XXXX and treated as an external transfer. I contacted USAA on XX/XX/XXXX to request funds to be manually released, since it was an internal transfer, and asked for a manager or supervisor in checking, but was connected to a member of the Executive Resolutions Team ( I was later told that his employee number is XXXX ). He advised me that although he had the authority to release those funds, he wouldn't do it, because although investments are offered by USAA as a USAA product, those accounts are third party accounts and USAA member 's do not have knowledge that their college investment accounts are a third party product. We have made several transfers from my daughter 's college investment account to her checking account both with USAA on the past two years and this is the first time a hold is placed and representatives are refusing to remove the release on funds, although they are fully aware that this is an internal transfer and no hold should be placed. Also, I want to bring to the attention that members of USAA Executive Resolutions Team come across as forceful and most times unwilling to resolve issues that requires immediate attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX ( Barclays ) credit card that I've used to make purchases off of XXXX since XX/XX/XXXX. I had never been charged a cash advance fee for purchases from this site. However, starting in XXXX of this year ( XX/XX/XXXX) I began to get charged cash advance fees. Barclays said they did this because coinbase change the reporting of what they were to currency which now equates to a cash advance. This is fine. My problem is that Barclays never communicated this change and I have now racked up {$290.00} in cash advance fees that I knew nothing about. They will not remove these charges even though nothing was communicated to end users about an internal change. 

https : //www.barclaycardus.com/

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have sent out letters on two separate occasions back to back on XX/XX/2020 and XX/XX/2020. Here it is XXXX and I have yet to get a response. What is going ton? this is against the law and willful non compliance. I want these items deleted per the FCRA. Im not no lawyer and im not about to quote all that legal jargon in this complaint. However I want this stuff removed immediately. Are you blatantly aiming at me and trying to take me out? What is going on.

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 2021-02-09
Company: WELLS FARGO & COMPANY
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother was still the custodian of an UMTA minor account even though I am of age of majority ( XXXX year ) when she passed away. I did not transfer custodianship to myself within the three months allotted by the financial institution. They will not allow me access to the funds or the account without court issued transfer of custodian in spite me being beyond the age of majority.

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 2018-07-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attach all the documents. I was behind on my mortgage in XX/XX/XXXX due to cut on hours on my job. But I got back on my feet and did a settlement with Carrington Mortgage. They take the settlement I did a down of {$3500.00} and making payments to them until they sold the loan to XXXX XXXX XXXX  in XX/XX/XXXX. I continue making my payments for {$310.00} until XX/XX/XXXX, because they notify me that they sold back my loan to Carrington Mortgage. I try to make my first payment to Carrington and they not accepted because they told me that I was behind 14 months. XXXX XXXX XXXX provide the evidence that I make payments to them on time until XX/XX/XXXX. Also the amount that I pay to Carrington before they sold it to XXXX XXXX XXXX, my balance was only {$5900.00} but now Carrington refuse to take my payment since XXXX and reporting me late to credit bureaus. I send all the evidence to them and provide evidence of my payments and every time that I call them I have to have 6 transfers, nobody know, that I owed {$12000.00} plus the months behind. That is totally wrong I send all the documents and they told me since XXXX that is on investigation and still not taking my payment. I am very stress that they don't take my payment. They been so mind to me. Please help me to resolve this issue. Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: ECMC GROUP, 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:
I received correspondence from ECMC via email regarding a 2004 student loan in the amount of {$420.00} with instructions to reply to the email in order to prevent the loan from going into default status. I replied to the email each time it was sent but did not receive a response. It turns out that their instructions were incorrect and that no one at ECMC was monitoring that mailbox.

The loan was subsequently placed into default and I was instructed to make 9 consecutive payments in a 10 month period so that the loan would be returned to " good standing. '' I made the required loan rehab payments and then proceeded to pay off the loan balance. ECMC then informed me that the loan would remain in default status because I had not submitted paperwork regarding the loan rehab. 

A loan rep had sent me invalid links to sign documents electronically. I requested proper links for documents several times but received no response. 

My credit report still reflects a defaulted loan and ECMC either does not reply to my requests for correction or replies with a form letter that is unrelated to my request This has caused me irreparable financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: SC
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2018-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have never been given appointments or scheduled calls with XXXX. I have had a person named XXXX follow up and leave me a random VM along with a collection department. I have made payments and have never been given disclosure that the keepyourhome california program expired and stop taking applications until XX/XX/2018. Shortly therafter bof a waited until the expiration to file this. This is not good faith or the ability to assist or help show options. I was then referred to the bofa special dept because my loan is being serviced by a special dept. I would like communication or will be forced to hire a debt defense litigator

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 2018-02-19
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, 2017 XXXX XXXX XXXX {$XXXX}. I had insurance that I gave to this department that was never filed by them. I do not feel that I should be held responsible for an error they made. 

XX/XX/2017 XXXX XXXX XXXX, {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed. 

XX/XX/2017 XXXX XXXX XXXX {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Immediate Credit Recovery
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had gotten a letter from the collection agency to contact them by a certain date, I have tried repeatedly to contact them and no one answers or calls back. Now they are offsetting my wife 's share of the taxes and she isn't responsible for my student loan, I didn't even know her back then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have accounts at Coinbase, XXXX and XXXX. 
I have only transferred my bitcoin from Coinbase to XXXX and then to my XXXX  account so I could purchase other coins No other exchanges. 

I have never converted XXXX back to $ yet. 

On XX/XX/XXXX, as stated beow, my XXXX bitcoin never made it to my XXXX account. 
I have contacted XXXX and they have done nothing yet and its been almost 2 months. 
Please assist me. Thank you. 

The one below for XXXX XXXX never made it to XXXX. 

This is from XXXX HISTORY transfer XXXX XXXX - XX/XX/XXXX XXXX XXXX this one never made it XXXX Transfer ID : XXXX This is my XXXX account showing I received the XXXX Bitcoin, but not the XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act Ally Financial has violated my rights Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S.C. 1681cXXXX : A Block and remove in XXXX days

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 2021-02-09
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a XXXX XXXX and financed it through Wells Fargo Auto on XX/XX/XXXX. I started the process of trading the XXXX into XXXX XXXX of XXXX XXXX in XXXX of XXXX. I traded in the XXXX and took possession of the XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX of XXXX XXXX sent my pay off information in to Wells Fargo Auto. 

I started looking into securing funding to purchase a home and noticed two delinquent marks on my credit from Wells Fargo Auto. I called Wells Fargo and was given the email address XXXX. I emailed them the required documents ( copy of title of new vehicle, purchase agreement showing trade in of old vehicle ) on XX/XX/XXXX. I received an email back on XX/XX/XXXX starting that email address was incorrect ( auto-generated email ). I called to confirm I had the correct email address, sent the email again, only to have it bounced back again. I called again, and got a fax number to send my complaint to instead. I sent that fax to Wells Fargo XX/XX/XXXX and had heard nothing back until XX/XX/XXXX when I called them. The first person apologized, said it was the fault of Wells Fargo, and offered to escalate my complaint. I took that option and was told it would be another 10 days after they did their own private investigate. She did not acknowledge that they would use any documentation I submitted, citing they were two separate departments and do not work together. I do not have confidence that this will be handled appropriately as it has not happened to this point.

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 2018-02-19
Company: Continental Finance Company, LLC
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent transaction was made on XX/XX/XXXX with a posting date of XX/XX/XXXX, XXXX to XXXX. I spoke with a rep with XXXX, a XXXX, he said order was shipped to a XXXX XXXX in XXXX, TX. This information was provided to bank rep whom took the fraud report, reported card as lost/stolen. This transaction is typical of fraud as item was shipped to different address than billing. I believe I have a new account number but have not received a new card as of yet, this happened previously, a new card was not sent out after reported lost. I had to make additional calls in before new card was sent out. The transaction needs to be disputed as well

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 2018-07-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I used my 2006 XXXX XXXX as collateral for a loan with Springleaf now  know as OneMain Financial. the initial loan with the collateral was only {$2000.00}. When subsequent loans were made, OneMain will always attach the vehicle as collateral. They kept piling loans on the worthless collateral to the tune of {$8000.00}. I have never missed a payment with Onemain Financial. 
The vehicle is 12 years old with XXXX miles and worth nothing. I have tried to sell the vehicle to pay down the loan but no one would buy it. One Main agreed that if someone buys it for {$2000.00}, they would release the title to them. Unfortunately the vehicle has broken down for 2 months now and there is no way Ioan sell it. The cost for fixing the problem is {$3000.00} and not worth since other problems may come up. I do not want to throw money into it so I have decided to give it out for donation. I do not have space to store it and the mechanic is also asking that we pick it up as they dont have space for storage as well. 
I visited my local OneMain to discuss a solution since they had agreed that something could be done. However all attempts to resolve the matter so we get the vehicle donated proved futile. 
I even offerred to pay {$500.00} but that was rejected. The only thing they would do was to remove the insurance off the vehicle. 
The fact that all other loans were forcefully put under this collateral knowing very well the value of this vehicle is predatory and causing unnecessary hardships for me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
On XX/XX/XXXX our CD matured and we were not notified and the bank automatically renewed it at a lower rate ( .25 % ). When I called the bank 3 weeks later I was told there was nothing they could do about it, even though I told them I never received a renewal notice. I was told I could close the account but I would be charged a {$60.00} penalty fee for closing the account early, so we left it alone. On XX/XX/XXXX we get a letter from the bank telling us that we may not have gotten the renewal notice on our CD and they apologize for the confusion and want to give us the opportunity to either : 1 ) Change your CD term without penalty 2 ) Close your CD without penalty 3 ) Continue with your existing CD term - no action is required. They gave us till XX/XX/XXXX to make a choice. I went to the local branch and asked them to give us the interest rate that we should have gotten back on XX/XX/XXXX and they said they could only do what was in the letter we got, so I closed the account and put the money in a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Trident Asset Management, L.L.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOMETIME AROUND XXXX OF 2018 A CREDIT CARD WAS OPENED IN MY NAME WITHOUT MY CONSENT ... THE AMOUNT WAS {$750.00} DOLLARS. I WAS A VICTIM OF IDENTITY THEFT ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CITIBANK, N.A.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Citi Bank showing consumers misleading information in the personal loan online process. 
They are showing a range of interest rates people might fall into and are not showing the interest rates consumers are actually being offered in the upmost ethical and transparent fashion. 

The pictures I have taken in the online personal loan process. 
The online process is very misleading. 
The pictures show I am at the tail end of the process and I still did not now the actual rate was. 

I am very curious to see if Citi is also using this range to over charge people interest. What makes this a possibility is my first time applying for a personal loan I did not have a offer over 8 percent ; and this was in review of 10 plus banks/ financial insinuations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I first received a call from PORTFOLIO RECOVERY ASSOCIATES on XX/XX/2018 from the number XXXX XXXX. They did not leave a message. This number came up as spam on my phone. I searched the number, found it was linked with Portfolio Recover Associates. They have absolutely never contacted me through any other medium except spam calls. I have never received a letter or voicemail from this company. 
The following is a list of numbers and dates I was called from this company : XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX ( this is when I started blocking the numbers calling me ). NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: NELSON AND KENNARD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
was contacted by Nelson & Kennard Attorneys at law. XXXX XXXX XXXX, XXXX CA, XXXX attempting to collect from me {$2800.00}. That debt is not mine, neither the address where this letter was sent to.

Company response to consumer: Closed with explanation