BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
USAA returns the Vehicle Title to the borrower after payoff via First Class mail through the USPS. No other method of shipment is offered to the borrower, even for a fee. If the title is lost, it's not possible to track it and the replacement of the title will fall to the borrower, even though the lender can not prove that they mailed the title.

One customer service representative at USAA quoted by phone a rate of at least 1 title per week being lost in the USPS mail as of XX/XX/18, in her personal experience. That's at least 52 members who are forced to obtain a duplicate title on their own time and money. Since USAA claims to care so much about their members, how in this day and age are they sending borrowers legal documents by USPS? Perhaps because if it is lost, it is of no concern or expense to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Calvin Dean Homolka II
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from my employer on XX/XX/XXXX ( ish ). This letter stated I was being garnished by a debt collector. I received NOTHING from this debt collector about this garnishment. I contacted these people as well as the district court that allowed this to happen. I was ignored for the most part and finally told by the court to get legal advice. The debt collector sent me their documentation, this debt is about 20 years old!!!! A freaking gym membership. The address they sent the information to was an address I havent lived at in over 3years. I dont even live in the same state any longer. The ONLY documentation I received was from my employer. That is it!! What can be done about this?!?!?? This particular debt collector is related to the owners of this gym. XXXX XXXXXXXX XXXX. This is a racket.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There is an account on my reports that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa and is affecting my financial well being and overall standard of life and it could lead to civil to litigation

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 2020-12-15
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal froze one of my Verified business Paypal accounts. This account was moving about $ XXXX through it weekly with very minimal disputes for how many transactions done. 6 months ago my account was frozen with $ XXXX in it, after calling them they said they would hold the funds for a 6 month period then release the funds to my bank or mail. Now my Paypal balance says {$0.00} and when I call them they say they took the money due to damages and Paypal Policy, weird how the damages add up perfectly to the amount in my balance ... Also heard of about XXXX other people with similar story 's some with larger amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
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:
I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 
I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation, and prestige are damaged, where there is a law that can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XX/XX/XXXX-XX/XX/XXXX Child Support, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 
XXXX has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. They do not value the repercussion that brings a disinformation that destroys the prestige of a person, they do not give me work or monetary loans for this error that they are discarding.

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 2021-08-19
Company: Convergent Resources, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is regarding the letter for debt collection that I have received from Convergent Outsourcing, Inc. with regards to the creditor XXXX XXXX. The provided client account number is {>= $1,000,000} and the convergent account number is XXXX. for {$76.00}. I would like to bring to your notice that I do not owe any debt and this attempt to collect is harassment by XXXX XXXX and Convergent Inc. I have neither received any service provided by XXXX XXXX. The order that was placed on the website was duly canceled due to poor customer care service and none of the products were delivered and no has been activated or used. A charge back has also been raised with XXXX XXXX at the same time and I won the case. This attempt by XXXX and Convergent equates to harassment for collecting debt not owed.

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 2018-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XX/XX/2018, I called Bank of America about using an access check to pay for my daughter 's baptism reception. I asked the rep, " If I used the check, would I get the points? If not, I will just pay cash ''. The rep got off the line to speak to a supervisor and came back and said yes. It is on a recorded call. When the check went through, the points did not appear. When I called back on or about XX/XX/2018, the rep stated that they previous rep should not have said that, but that they would give the points as a courtesy and honor what they had told me. Again, this is on a recorded call. On XX/XX/2018, I called the bank to ask why the points have not appeared. The rep ( who was not friendly at all ) stated the request was denied. And, the rep denied my request to reverse the {$180.00} transaction fee in exchange for not providing the points. 

I have been a long time customer of the bank and have never been treated this way. I would not have used the check if I had known they would treat me this way. They should be held to honor what they represented to me ( give me the points ) or reverse the transaction fee.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wf representative coached us on home mortgage modification which never happened and as they coached us we fell further behind on our mortgage we followed everything wells fargo instructed us to do. We ended up filing bankruptcy to keep or home because of Wells Fargo.

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 2023-02-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a savings account at BMO and I transferred {$25000.00} from my XXXX XXXX to this BMO savings account I had just open. Then I changed the address on their website and after that, my account was blocked.

BMO customer service asked me to send documents to their bmo verification email. I did. Then they said the addresses don't match and told me the only way to solve this was for me to go to a branch. I live a 6 hours flight way from their branch. I was even told by one of the customer service staff that it was my fault for opening an account at a bank without a branch in my city. I have no access to my money anymore. I was told that the other way would be to wait 60 days after they close my account, after they investigate, and then send me a check, but they couldn't tell me what address the check would be going to.

I called them 10 times, nobody at BMO was able to help fix my address and give me access to my account, they say I have to go to a branch. Flying there is not gon na work, even if I could fly there, they said in the letter the account would be closed on XX/XX/XXXX, that's two days from today.

I don't know if and when I will see my money again. It's been almost 2 weeks so far

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 2021-05-04
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity.

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Disputed inaccurate information on my credit XX/XX/2019. Names, address, phone numbers and date of birth is inaccurate. Accounts : All accounts are inaccurate, unverifiable.

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 2018-04-25
Company: WELLS FARGO & COMPANY
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/XXXX I received my statement and noticed a late fee. I called the issuer Wells Fargo regarding the late fee on my account. I spoke both with costumer service and the costumer service supervisor. My minimum due monthly is {$410.00}. I have set up electronic payment to withdrawal from my personal bank to Wells Fargo weekly at {$100.00} per week. On my current statement there are XXXX payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling XXXX in payments. Wells Fargo sets a statement closing date and a week earlier due date. On that they claim my XX/XX/XXXX payment was posted after the due date of XX/XX/XXXX but before the statement closing date of XXXX and will count only as an extra payment on the account. What I find unfair practices is that they say my XX/XX/XXXX payment was posted after the previous XXXX XXXX was closed and before the new statement was created even though the payment is on the statement created on the XXXX of the month of XXXX. Which they also want to count as an extra payment. They claim only the amount of XXXX fall within the due date. If you create an invoice on a date and receive a payment on that same day my payment should count towards my balance due otherwise it would have fallen on the previous statement. I have a XXXX late fee I asked them to waive along with the same scenario that occurred on the XXXX statement also. Which they refused to issue a credit for also

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 2018-06-27
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with Caliber Home Loans to save my home from foreclosure. 
I sent a complete modification package to Caliber fax numberXXXX. 
The Submission contained all requested documents along with the RMA. 
We have submitted at least 10 modification packages and each time we have had to start over.

The hardship that we had is over and we are employed and want to work with Caliber to save our home. Please help us stop this sale date for XX/XX/2018 and save our home. 
It sis not that we want to live in our home for free. We are responsible working people and want to save our home. If only we can come into a good working relationship with Caliber Home loans I know that we can bring our loan current and stay current on the payments. 
We are reaching out for help and support to get back on track with our mortgage. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: AR Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AR Resources is a third party collection agency and has no legal right to make entries on my credit report for this alleged debt. After research AR Resources does not possess the proper documentation, or legal authority to collect, or make entries to my credit report for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the rights to privacy. 15 USC 1681 Section 604a Section 2 It also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open customer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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:
i just found out that there is an account with ( loanme No : XXXX ) that does not belong to me. i have filed a ftc report to support my claim. i have never authorized this company to run my credit or give me this loan. this loan is due to fraud. please see attached supporting documents

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 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT ( XXXX XXXX ) DUE TO IDTHEFT APPEARED ON MY TRANSUNION CREDIT REPORT. WERE DISPUTED TRANSUNION DID NOT REVOVE OR DELETED. THAT IS A SERIOUS VIOLATION.

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 2021-05-04
Company: Navient Solutions, LLC.
State: NY
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:
Navient XXXX XXXX  reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to Navient and the XXXX XXXX showing that i wa in a forbearance with my student loans. I contacted Navient with copies of my application for the forbearance and the credit report. Navient also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
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: Reporting company used your report improperly

Complaint:
My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and XXXX. I have a excellent payment history. I am XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I just received a copy of my credit report and I found 5 hard inquiries that are fraudulent, i immediately contacted these companies and also called Transunion but they didn't help me. This is a very serious matter, someone has been using my credit and i need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, i just place a fraud alert on my credit report

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion And XXXX have bothered refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. TRANSUNION and XXXX  HAve DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX   XXXX/XXXX. The credit reporting agencies transunion and XXXX both have failed to answer my request. The companies just send me a scripted reply and then tell me to reach out to the company that has given them incorrect information. Then the company will tell me I need to contact the credit reporting agency. Transunion and XXXX have meticulously and continued to report inaccurate information that I have advised them is incorrect which is a violation of federal law and my rights.

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 2019-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019 I opened an account with Bank of America for the purpose caring for my sister I have a Durable Power of Attorney .She was selling her home and I was going to manage her bills, food delivery and some services to keep her in her home On XX/XX/2019 her home sold and the funds from the sale were wired to Bank Of America {$130000.00} Within a day the account had a fraud alert and I was unable to use the funds After hours and numerous calls to every department the bank has, was told if I was to send the HUD and the legal transmission from the closing attorney they would lift the freeze I sent the docs and the freeze as lifted On XX/XX/XXXX my sister purchased a condo and Bank of America wired the funds to the losing attorney in the amount of {$41000.00} NO fraud that day??? 
On the XXXX of XXXX I made some purchases online with a debit card attached to this account On the XXXX this bank froze the account again I was my money released from this bank and the account closed I am responsible for my sisters life an have had nothing but grief an anxiety from this bank Please HELP ME

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