BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I took advantage of a no fee / no interest balance transfer promotion offered by USAA in XXXX XXXX. I have subsequently made the minimum monthly payments in order to maintain the interest free status of this transfer. On XXXX/XXXX/XXXX, I made an additional {$17.00} purchase on this card. Since that time, I 'm being charged interest on this purchase, despite the fact that I continue to make the minimum payments. I called USAA to inquire if I needed to pay an additional {$17.00} on top of the minimum payment to avoid future interest charges and was told that the minimum payment would avoid future interest charges. I was charged interest again on the subsequent statement and am now being told by USAA that I will continue to incur interest on this charge until the entire balance ( including the interest free balance transfer ) is repaid. I contacted USAA and requested that they either waive the interest going forward or provide a credit to my account in respect of the interest being charged. Despite a 27 year relationship with USAA, they have told me they do not have the authority to make this change and I will continue to incur interest on the purchase until the interest free balance is first paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18
Company: Nelnet, Inc.
State: FL
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:
Nelnet gave me the wrong payoff information for my student loan. The loan was overpaid by {$250.00}. They show that my loan was {$6600.00} and that I paid {$6900.00} and that gave me a {$0.00} balance. The payment cleared the bank. I called and they at first said I had a XXXX balance and that it wasn't overpaid. Then after being on hold for 45 minutes they finally decided they did owe me the difference and would send it out within 10-12 days. That did not happen. After the second phone call and being put on hold for 30 minutes they determined it would take 2-4 weeks to refund my overpayment. Now after the 3rd phone call and being on hold for 45 minutes I am being told it will take 6-8 weeks for a refund. I think this  is standard procedure hoping people will get tired and give up. The entire 10 years I have had this loan they have misapplied my payments and refused to correct any errors on their part. I have asked for an audit of my account multiple times and to date of never received it. Complete crooks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: MD
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:
My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged with the 3 CRA 's. Asking for the information to be Early Exclusion. XXXX removed it from my credit report last year and here 's the Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information, including the four attachments, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is a bankruptcy on your report as a result of fraud. You stated that you have asked how the bankruptcy was verified and have gotten no answer. You stated that the court does not verify any information. You would like the account deleted from your report. Per your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. The bankruptcy has been deleted as a result of our processing of your disputes. A summary of your results was forwarded to you on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had to reach out thru the CFPB to have any contact from HSBC in the first place back in XXXX. 
Now, here we are, XXXX, XXXX XXXX, my case handler, did NOT handle my case. She emailed me to get the CFPB claim closed, but the email address and phone number are both COMPLETELY bogus. 
HSBC had NO issues having their collections department contacting me. I tried their " general '' phone number, guess what, since there is a card they opened incorrectly under my social security number, I can't verify so it hangs up on me. AGAIN, I can NOT make a payment. I have no way to speak to anyone. Chat tells me I have to call. I can not login on the website, and my " point of contact '' was fictional. 

Dear XXXX, I received your concerns shared with the CFPB. I was disappointed to read about your experience. Im sorry for your difficulty. 

I will be your point of contact on this matter. As soon as I have an update or resolution, I will notify you immediately. 

Please contact me directly if you have any questions in the meantime. 

Best, XXXX XXXX XXXX Manager, Executive Office | HBUS Customer Relations XXXX XXXX XXXX - XXXX XXXX, NY XXXX ____________________________________________ Phone XXXX XXXX XXXX Fax XXXX XXXX ____________________________________________ All XXXX. She never replied to any emails I sent after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Macys XXXX : This account was paid off and they kept sending me a bill each month. I tried through numerous attempts to get them to close my account, with their being no balance I would get a bill the next month with a balance. This should not be reporting on my credit report negatively.

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 2019-03-16
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Waypoint Resource Group has reported a collections debt in the amount of {$610.00} in my name to all credit bureaus. I never received any phone calls or any correspondence in the mail from them regarding this matter. The company for which they are trying to collect is a cable company with which I currently have an account in good standing. When I try calling Waypoint to talk to them about this matter, I am unable to get through to speak with a human being. They also just recently in XXXX of 2018 re-reported this debt over a year after they had first reported it ( I have previously reported this as inaccurate to the credit bureaus, but it still has not been removed ), so after I reported that it was showing on my credit twice, they removed the older account, and now it is showing that it is only a 3 month old account. This is not an accurate account and needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Department of Ed/Navient is using my nonpublic personal Identifying information to include my social security account number WITHOUT my express consent or authority. I specifically deny and object to liability on account stated as rendered no. XXXX as I am not a debtor but a Natural Person who acquired " Consumer Goods '' to be used primarily for Personal, Family, or Household Purposes. The three major Credit Bureau 's by law is directed to removed said inaccurate information as it causes the " Consumer '' undue hardship by reducing my lending/selling ability and purchasing/buying power through commercial disparaging to which Identity Theft conversion of property. XXXX XXXX XXXX XXXX XXXX changed my character from Principal/Consumer/Supplier/Issuer/Accounts payable to borrower/debtor/ Accounts receivable and assume my Identity to sell commercial paper in my name. Criminal Fraud has no statute of limitations and I will defend against any Corporations, Individual, Private Entities that is affiliated with the U.S. government or Not affiliated, and I will seek my remedy and stand up for my Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Netspend Corporation
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 someone tried to use my NetSpend card and charge {$2000.00}. The charge was blocked and their fraud department informed me that my phone number XXXX street address, etc. had all been changed. He then unblocked it and sent me a different card which I should arrive tomorrow. Immediately someone logged in and turned off notifications to my phone number and changed the email address ( pics attached ). I have since tried to get help unlocking my online account so I can transfer money to my wife 's account because ALL of my money is locked to that account. After calling from XXXX XXXX  to XXXX ( closing ) on XXXX XXXX and again this morning XXXX XXXX from XXXX XXXX  until XXXX XXXX  I've been told they can't look at my account or even transfer me to their fraud department again because my security answers were wrong! Obviously, because I don't know the hacker 's answers! So basically 6 hours of calling and arguing ( all time that they are using to do who knows what to my account and money ) and XXXX calls ( every number that isn't blacked out is NetSpend ) I've called the FTC who directed me to this page for help.

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 2019-02-08
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have two accounts with Citi card that I have had issues with for years. I recently paid off both cards and am still getting a bill for just over a hundred dollars on each. I have confirmation numbers from choosing to pay off the entire balance but Citi cards is just trying to continue to take money from me. They have impossible to use customer service and I have spent hours trying to get someone on the phone. They outsource their customer service to other countries and when you finally do get someone you are not able to get your issues resolved because none of them have the ability to actually do anything. So I paid thousands of dollars to get out from underneath these two cards and they are still making sure I can't. I need help.

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 2020-01-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2019-08-28
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX alerted me that i had a collection..i never got a bill or notification of this debt..i have signed nothing with this company.. I owe this company nothing..phoenix financial services..opened XX/XX/2019..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXX-Multiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names

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 2019-09-18
Company: Experian Information Solutions Inc.
State: CA
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 VIOLATES THE FCRA, DODD-FRANK AND CONSPIRES WITH THEIR CLIENT XXXX XXXX TO VIOLATE THE FDCPA. 
POST MULTIPLE DISPUTES EXPERIAN CONTINUES TO DEPICT XXXX XXXX XXXX BOTH INACCURATELY, AND INCOMPLETELY, IN IGNORANCE OF THE FCRA. 
ATTACHED IS YESTERDAY 'S XXXX DEPICTION ON A HARD COPY EXPERIAN REPORT.WHAT THE DEPICTION CLEARLY SHOWS IS THAT XXXX XXXX  INSTALLMENT LOAN LACKS A MONTHLY ACTUAL PAYMENT OR SCHEDULED PAYMENT. {$0.00} DOLLARS IS INACCURATE AS DEPICTED ... .. 
AND THE MONTHLY PAYMENT OF AN INSTALLMENT LOAN IS IMPORTANT REQUIRED INFORMATION TO ACCURATELY DEPICT ... XXXX 
WITH THE PAYMENTS MADE AND THE SCHEDULED PAYMENT, THE LOAN INITIATION FEE ( PRE-PAID INTEREST ) THE LOAN APR INTEREST RATE CAN BE DETERMINED FROM THE CREDIT REPORT.THE FIRST YEAR INTEREST RATE CALCULATION APPROACHES 150 PER CENT APR.THE CA SUPREME COURT IN 2018 CALLED THIS LOAN, FOR ITS INTEREST RATE, " UNCONSCIONABLE '' AND UNENFORCEABLE UNDER THE CA BUSINESS AND PROFESSIONS CODE. 
SO ... .STATING COMPLETE CREDIT INFORMATION WOULD FACILITATE THE MATHEMATICAL COMPUTATION OF INTEREST RATE ON A NOW ADJUDGED UNENFORCEABLE LOAN IN ANY COURT OF COMPETENT JURISDICTION. 
EXPERIAN 'S CLIENT IS A FRAUDSTER OR AT LEAST THE CALIFORNIA SUPREME COURT BELIEVES SO IN XXXX XXXX XXXX XXXX XXXX, WHERE THIS CLASS OF LOANS ( XXXX DOLLAR LOAN ) WAS ADDRESSED BY THE COURT.

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 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I filed a fraud report in reference to XXXX XXXX XXXX, receiving funds, in the amount of {$1500.00}, for work not completed. I explained to the Bank of America ( BOA ) representative, about the delay of filing the fraud report. This company initially installed the first system of cameras at my business with no problems, and when Mr. XXXX stated I needed to upgrade and he needed to purchase more memory and new cameras. I signed for the funds because Mr. XXXX stated he needed the funds upfront, in order to purchase the new equipment. I began calling Mr. XXXX in XXXX, XXXX, with negative results. I called and texted Mr. XXXX for three ( 3 ) months, with negative results, before contacting BOA for a fraud report. In XXXX, XXXX, I received a letter stating BOA completed their research and closed the case. So I called BOA, and the representatives were so rude and XXXX, the call center was in XXXX. The representative was yelling at me because I kept asking questions about the person who actually did the investigation, then I asked to speak with a supervisor, and she transferred me to another woman, then this woman, she transferred me to a man, who stated he was a manager of the fraud call center. By now I am beyond frustrated, so the entire time I was on the phone with the call center ( 2 hours ), I was also online filing a complaint about the behavior of the call center representatives. I have faxed the pertinent information, at least three ( 3 ), and spoke with 3 different ombudsman representatives about my complaint, or the lack of investigation on this matter. My last straw was the last ombudsman phone call, and she stated that their decision was not going to change, and the letter from the new installation company did not have letterhead. I said " Mam '', after six ( 6 ) months of telephone conversation, and sending requested correspondence, this is your explanation for the denial of my fraud request. I believe BOA made no effort to assist with my case, and the unprofessionalism and incompetence of the investigator, the fraud call center, and the last ombudsman I spoke with, is very disappointing. I have been a member of the bank since XXXX, when it was named 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 2019-02-08
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of my apartment in XX/XX/2018 and canceled the XXXX   by XXXX  water delivery service. However now the company claims I have an unpaid debt of {$80.00} because I haven't pay my monthly dues since XX/XX/2018. Associated Credit Services, Inc kept on calling me and despite my telling them that the debt is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: NC
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 and XXXX are reporting a charge-off balance amount of {$3300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance reporting is incorrect. This account balance needs to report {$0.00}. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to update and/or remove this however, I have not been successful.

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 2018-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed Chaper XXXX bankruptcy in XXXX in XXXX, Texas. On XX/XX/XXXX I was granted a discharge having paid all my creditors. Bank of America, however, refuses to correct their reporting to the credit agencies and, in fact, sold the debt over to XXXX XXXX, a collection agency, on XX/XX/XXXX!! 
I have a clean slate yet Bank Of America refuses to correct errors that reflect poorly on my credit report. Information that is incorrect and has had a negative impact on my life. 
To their credit- XXXX XXXX has not contacted me at all. 
I was given this information as a result of contacting Bank Of America at 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 2017-12-05
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I sent a letter instructing Citibank to cancel my account # XXXX on XX/XX/XXXX, requesting that a physical check for the account funds ( approximately {$6000.00} ) be mailed to me. I sent several follow-up letters, but received no reply. Apparently, the account was actually closed, but Citibank did not send the funds to me -- instead, they say they marked it as " abandoned property '', and submitted it to the US Treasury. They did not inform me of this action ( despite having my email and phone number on file ), and I can not find any record of this with the US Treasury. I wish to have my funds located and returned to me by Citibank.

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 2022-08-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are 4 unauthorized hard inquiries reporting on my XXXX and Equifax Credit reports from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation