BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a power of attorney set up with USAA Federal Savings bank for my sister to make payments and do all things pertaining to on an automobile and the automobile loan. ( I am in the military and have orders assigning me to XXXX XXXX. ) When the person called to set up automatic payments she was told that automatic payments were scheduled. The automatic payments never came out of the account. When she called to try to make a payment over the phone the company did not honor the POA. They did not allow her to make payments and constantly told her that the POA was not sufficient. This caused the account to become 90 days late and go to collections. I did not receive any documents in a timely manner to my current address to be able to address the missed payments before it was sent to collections. When I called to find out why the loan was sent to collections, I was told that they no longer have any information on the loan. They also could not tell me who to call to address the debt. When I received a letter from the collections agency I gave the information to my sister. The collections agency refused to speak with my sister or honor the POA. The collections agency told her that the debt was being sent back to USAA. The specialty department at USAA who supposedly took over the debt also refuses to speak to my sister ( POA ) to resolve the missed payments or allow her to make payments to resolve the debt. When I called USAA to get the information on who to speak to regarding why no one will allow my sister to my payments or access the needed information, I was referred to a specialty department that was closed. The fact that USAA has refused to honor the POA or allow my sister to make payments has resulted in the account to be 90 days late and sent to collections. This has damaged my credit score and is jeopardizing my security clearance with the military. USAA has two POAs on file. One was a POA specific to USAA and the latest POA was completed by the XXXX legal office. The latest POA has been  attached to the complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: TX
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:
Experian sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report. I sent the copy of corrections by US Postal Mail Priority mail to Experian on XX/XX/XXXX Priority Mail. Evidence is submitted to Federal Government filed complaint..

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 2020-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

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 2018-09-19
Company: Experian Information Solutions Inc.
State: TX
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 pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card XXXX XXXX AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called XXXX XXXX AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING

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 2018-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 setup recurring payments to pay down my credit card bill using their online automatic payment system intending to pay down my bill. Bank of America charged me a late fee every month I  made payments in increasing amounts. {$25.00}, then {$38.00} per month. 

After talking with a representative on the phone, they said my payments did not post on the right day. Monthly payment software system allowed me to make payments after due date. Payday loans also work in this manner. Allowing clients to post payments after the due date and adding late fees. There were also no phone contact with the company or messaging. I also explained that I have been a customer for 13 years.

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 2017-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, XXXX XXXX and Experian XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.

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 2020-09-07
Company: BANK OF HAWAII CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for a bank of hawaii personal account on XX/XX/2020. In the next two days, I was fully operating normally and was about to transfer money to the account. I just entered the wrong password once, and found that bank of hawaii closed my account without giving it. specific reason. I am very angry. I have not violated the user agreement and other rules and regulations that you made, so I am preparing to complain. Their behavior makes me angry too. 

my userid : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: WLCC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2020 I received a email from my employer that this unlicensed company is trying to do wage garnishment they are not even a licensed company and they went behind my back to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: FL
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: MI
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 have filed a complaint on numerous occasions against XXXX XXXX with equifax. The account shows to be opened and XXXX XXXX is reporting the account is missing payments every month but the vehicle was voluntarily surrendered by me and sold by XXXX XXXX  in XXXX of this year. XXXX from the complaint department has been handling my complaint. She is very unprofessional, not knowledgeable at all and refused to get me a supervisor when I demanded one several times on more than one day. Everytime I call XXXX XXXX they route me to XXXX and its unbelievable that someone so incompetent of their job is handling my complaint in the first place when I have asked for supervisors who are more knowledgeable of this situation. I no longer have the vehicle it was sold in XXXX the account is suppose to report CLOSED due to voluntary repossession. XXXX stated that there is nothing that they can do and to contact equifax. Equifax stated that I have to contact credit acceptance. No one is helping me. This is my 2nd complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was on XXXX checking on my order. When I signed in something blocked me from doing so and I called a number that I thought was affiliated with XXXX but come to find out this was not. It was actually a hacker. My wife told me to check my bank account and I immediately noticed that they had taken {$1100.00} from Bank of America. This occurred on XXXX XXXX. I called on the same day this happened to make a fraud charge to the bank. Come to find out the bank did not file the charge until XX/XX/2020. On the bank statement it is showing up as a charge from XXXX Transfer Confirmation The person name is XXXX  XXXX.. on both transaction. 
confirmation number is XXXX for the XXXX confirmation number is XXXX for the 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 2019-03-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made an {$8000.00} payment which has been misapplied over the course of the last 10 months and now I've Been Told that the problem can not be corrected and the payment applied as I requested. Now I'm being forced into forbearance and I have a negative score on my credit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear CFGYesterday XX/XX/19 at Wells Fargo on XX/XX/XXXX in XX/XX/XXXX NMI tried to cash check for about $XXXXWF refused to cash it, unless I opened an accounteven tho I bank w WF for over 20years, including home mortgage, credit card, personal/business services etcThis seems fraudulent attempt by WF forcing account openingSincerelyXXXX XXXXcell XXXXXXXX

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 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I received an email form Bank of America that they were closing one of my credit cards, no explanation given. I then logged into my Bank of America online portal and the account was in fact closed. The account had no balance and was my emergency credit card. Bank of America refuses to provide me a reason as to why they closed this account. This will affect my credit and the current mortgage underwriting I am going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I check my credit report and notice a item from Portfolio Recovery with a alleged debt for {$430.00} that i do not owe.i sent them a letter on XXXX XXXX concerning this item and with a list of things that i am asking to return to me about this account.I have attached a copy below of the letter that i sent for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, my bank, XXXX XXXX made a payment through ACH to Freedom Mortgage in the amount of {$3500.00}. Freedom Mortgage failed to credit my account for the payment and continues to charge late payments and interest on the " missed '' payment. I spoke to a Freedom Mortgage representative on or about XX/XX/2020 about the statements I received that failed to credit my payment and the representative advised that I needed to submit a copy of the payment confirmation and documentation showing the funds were deducted from my account. On approximately XX/XX/XXXX, I provided Freedom Mortgage a copy of a letter from my bank which included my bank account number and the tracing number demonstrating the funds were transferred from my bank to Freedom Mortgage. Freedom Mortgage acknowledged receipt of my documentation on XX/XX/XXXX, and subsequently stated they want a running bank statement and not just a copy showing that the payment was deducted. Freedom Mortgage is holding and earning interest on approximately {$3600.00} of my dollars, and refuses to document the payment. I have been adversely impacted through continued late payment charged, erroneous letters and interest charges and negative reports to the credit bureau. I have spoken to two customer service representatives with Freedom Mortgage and I yet to receive resolution. Any assistance you can provide would be appreciated.

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has failed to keep accurate records on file for debt verification. My dispute process was started on the on XXXX XXXX by certified mail and recieved on the XXXX of XXXX XXXX, i received my results of my dispute on XX/XX/XXXX where as this information is still in accurate.

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 2019-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 Bank of America closed my account and reported to XXXX XXXX that owe them money. Bank of America report that I have unpaid account this is not true. 
I don't owe Bank of America any money.

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 2017-08-09
Company: DISCOVER BANK
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: Problem with cash advances

Complaint:
Discover card services has repeatedly given me incorrect and misleading information. Through their online messaging service which I have copies of and also when I called to speak with a customer service representative. I was told 3 different times there was no fee to take a cash advance from my card. Only a higher interest rate of 24.99 %. After I finally made a cash advance for {$2500.00}, I noticed I was charged {$120.00} or 5 % of the amount. I explained to them I was n't advised of this fee and I would like it reversed. i also explained that had I know of this fee, I would not have taken the cash advance. They just keep telling me it 's in your card member agreement which I received years ago. They fail to be responsible for their poorly trained representatives who are giving out false and misleading information. They also told me in writing on their messaging service that my cash advance limit is 21 % of my total credit line and if my line increases, my cash advance amount will increase. This is not the case, because they increased my line to {$14000.00} and my cash advance limit is still {$2500.00}. Now they are saying it is 17 % of your credit limit. That is also incorrect. The cash advance limit on my account is {$2500.00} no matter what my credit limit its.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan opened in XXXX biweekly payments paid until wife became I'll. We were paid in advance by payroll deductions twice a month. Original loan amount less than {$47000.00}. The loan amount was paid down to less than {$24000.00}. During bankruptcy we paid {$17000.00} those numbers are off. Plus we paid direct from XXXX XXXX over {$10000.00} and then another XXXX after we canceled the bankruptcy so we could sell the house. That's over XXXX and doesn't include the original biweekly payments prior to sickness. They hold money and don't post to increase finance charges, they are being sued via class action lawsuit due to hazmat insurance and they straight up defrauded us. I have a check they sent in the amount of {$440.00} but won't cash it as they considere that business concluded. They show no payments made from Bankruptcy filing to dismiss it so we could sell the house from XXXX, XXXX until XX/XX/XXXX and they were more than paid in full. They were charging the house taxes fraudulent as well. please help. thank you

Company response to consumer: Closed with explanation