BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
On XX/XX/2020 ( see attached statement ), I received my monthly USAA Credit Card statement showing a new balance of {$1800.00}. This total was the combination of the previous balance ( re-assigned to a cash advance status years ago ) of {$1800.00} added to the interest charge of {$17.00}. On XX/XX/2020 the entire balance was paid in full via electronic transfer from a USAA checking account. 
On XX/XX/2020 ( see attached document ) I received another monthly statement showing a balance due of {$6.00}. This had been calculated by using the previous total balance due and applying a daily interest rate based on the number of days before the balance was paid off in full. Those numbers being {$730.00} added to the interest of that sum {$6.00}. As the entire balance had been paid the previous month, I did not read the statement until XX/XX/2020, at which time the new total of the accumulated interest charge was again paid in full. 
On XX/XX/2020 ( see attached statement ) I received another monthly statement showing a zero balance due, but still a balance subject to interest of {$6.00}. This balance shows in the cash advanced balance, even though it is an interest charge. It therefore becomes a new balance that is subject to interest, creating the principle of charging interest on an interest fee. There was no option to pay the balance subject to interest, which as mentioned, accrues daily. The statements are released 1 day after the billing cycle begins, thereby creating an endless loop of interest, becoming a balance subject to interest, but with no way to pay off the balance subject to interest. 
I have spent over 3 hours trying to explain and resolve this issue with the customer service reps at USAA. Most don't understand the math, but those that do insist that there will not be another charge even though I am showing a balance subject to interest. 
I believe that at best this is a critical error on the part of USAA and at worst this is criminally negligent or abusive behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis

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 2020-04-28
Company: DISCOVER BANK
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
Discover Card XXXX was totally paid and has not reflected in my score. XXXX  not answering phone and I DO NOT HAVE A COMPUTER. I am going to move next month and I need my score raised so I can get away from here where I am living at. Discover Card has been just lowering my score constantly and i CAN NOT GET INTOUCH WITH XXXX. NOT ANSWERING PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
**THIS IS NOT A DUPLICATE COMPLAINT** This is a SECOND ATTEMPT because this company has failed Federal Trade Commissions guidelines of what constitutes proper debt validation** I have previously sent two requests to validate this alleged debt on XX/XX/2018 and XX/XX/2018 under the Fair Debt Collection Act and all I received was a two statements of the alleged charges they claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I have contacted XXXX XXXX XXXX XXXX and they do not have any record on file. They are still reporting this alleged collection on my credit report, which is considered a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from them by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. THEY HAVE ALSO FAILED to provide me the following and I demand the following immediately based on my rights under FCPDA. What the money THEY say I owe is for : Explain and show me how theycalculated what they say I owe them : Provide me with copies of any papers that show I agreed to pay them what they say I owe : Provide a verification or copy of any judgment if applicable : Show me they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : They should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if they do not immediately remove this account from my credit report, they are subject to another {$1000.00} fine, plus punitive damages. I am sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from this company within 15 days followed with additional complaints to the XXXX and the Attorney General of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted my mortgage assistant application on XX/XX/2018 since that date my point of contact XXXX XXXX will request documents week by week and most of the time she will request the same document as the previous week even though she confirms she receives it. i will attach all the documents that have been submitted letter of explanation as well. I feel she is delaying the process and dual tracking dragging the process with no reasonable explanation. When I try to reach out to her she is never available at her desk

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money to XXXX through Money Gram and they told me they had a technical issue and refused to give me my money back. I sent the money on XXXX and they keep telling me that its a technical issue and it will be resolved in 2 days. Today is XX/XX/11 and there is no end in sight. Money Gram refuses to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 over 60 days ago I mailed a letter to this debt collector that showed on my consumer report and this company has VIOLATED ME MULTIPLE times under the FDCPA, no consent to having unauthorized use of my information or social security number is identity theft. I have tried to resolve this matter by mailing in the necessary paperwork but my request are being ignored. This debt collector has violated me under 15 USC 1692g by not validating the alleged debt as the natural consumer ONLY I can validate any debt and several other violations against me and my character. I demand this alleged debt and any of my information that was fraudulently obtained be deleted.

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 2020-04-28
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: Personal information incorrect

Complaint:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: GA
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 and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis.

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 2020-04-28
Company: WELLS FARGO & COMPANY
State: CA
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:
Around the beginning of XX/XX/2020, two large amounts deposited to my credit card, one was for {$3100.00} and the other was about {$2400.00}. Transactions were made at XXXX XXXX twice and XXXX XXXX three times using these transferred and charged to my credit card and also XXXX  charges. I dont remember the exact amounts of these transactions, as I reported my card stolen in XXXX when I noticed these charges and when I received a new card I saw a returned payment on the new card for {$3100.00} and an outstanding balance on my new credit card close to {$3000.00} when it should have been less than {$100.00} originally. I contacted my bank so they can hopefully resolve this issue as I have no idea how these funds were transferred and used at these places.

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 2020-04-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer has been misapplying my payments since XX/XX/XXXX. They have been applying the wrong amounts to both principal and interest. In addition, they have not been applying my payments towards arrearage to principal or interest. Furthermore, they did not completely Reinstate my loan, after XXXX entered an agreement with them to do so. That occurred in XXXX. They did not apply the funds to principal or interest, and did not reconcile the loan. I entered a complaint to CFPB in the past. My prior complaint ID is XXXX. I will be submitting documents and a spreadsheet, which proves my mortgage is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 four months of trying to get the credit bureaus to correct the errors in my report, I still have unverified accounts on my report. I have asked them in writing for proof of verification for going on five months now I have supporting documentation. On one particular account the alleged creditor was deleted because of the erroneous account but the collection account for the same false and since then deleted account has been never been removed ( that took four months to complete ) I have asked all three bureaus to send me documentation of these accounts they are claiming are mine I have had a lock put on my credit reports for having fraudulent activity I am simply trying to correct the damage do to my account and am receiving an extremely hard time trying to do so.

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 2018-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
THIS ACCOUNT WAS OPEN WITHOUT MY CONSENT I HAVE ASK XXXX XXXX XXXX TO SHOW ME THE CONTRACT TO SHOW I NEVER SIGN FOR THIS ACCOUNT BUT THEY DO NOT HAVE IT.

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 2021-10-21
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Discover bank is fraudulently charging my debit/credit card account without my authorization, which is " unauthorize us '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I have contacted them to resolve this issue but their representatives are purposely hanging the phones up. i have tried to speak with a supervisor/manager but they've had me on hold for hours and disconnect the lines. Charging any fee is a violation 15 usc 1692f ( 1 ) Unfair Practices- A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: LA
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 four months of trying to get the credit bureaus to correct the errors in my report, I still have unverified accounts on my report. I have asked them in writing for proof of verification for going on five months now I have supporting documentation. On one particular account the alleged creditor was deleted because of the erroneous account but the collection account for the same false and since then deleted account has been never been removed ( that took four months to complete ) I have asked all three bureaus to send me documentation of these accounts they are claiming are mine I have had a lock put on my credit reports for having fraudulent activity I am simply trying to correct the damage do to my account and am receiving an extremely hard time trying to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Ive been submitting XXXX XXXX applications to Navient explaining to them that there has been a law that was passed already which states that ALL XXXX XXXX student loans must be forgiven/discharged. i did not graduate from the XXXX XXXX and XXXX program i signed up for so i did not benefit from the school at all. Navient should not be charging me payments for attending a school who gave students false certification and tormented students with predatory loans. i am not capable of paying these loans as i need to go back to school and graduate with an actual degree. 

ive been getting the same response from Navient for many years now and nothing is being done to correctly resolve this financial crisis. can anyone please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/21 A BANK TRANFER FROM XXXX SAVING TO WELLS FARGO EVERYDAY CHECKING. AMOUNT {$300.00}. - XXXX XXXX XXXX # XXXX TO WELLS FARGO XXXX - APPL.REF # XXXX FOR NEW ACC OPEN AT WELLS FARGO - AS OF TODAY,XXXX, WELLS FARGO HAS NOT RECEIVED {$300.00} FROM XXXX SAVINGS ACC!!! XXXX TRACE # 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 2020-07-25
Company: Experian Information Solutions Inc.
State: OK
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:
My mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXXXXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX 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