BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 I was contacted by USAA Bank but no message was left. When I called them back, I was sent to the main menu where I checked my balance, at that point I was made aware of an unusual balance of over {$4000.00} in my checking account. I knew that was unusual and called to report it. The rep. XXXX from member security stated that a deposit of {$4600.00} was made, after some questions I was confused due to the medications I take as a veteran and stated that the only possible reason for the deposit was if my father had sent the money. I was not completely sure and was merely stating a thought. I was then asked if I had withdrawn money and I confirmed that I had at some point withdrawn money that week but could n't remember the day or the exact amount. I was then told someone had called in as me and had access to my entire account and it was now under lock. 
I tried to explain that I have been the victim of ID theft thru XXXX XXXX Inc. and did not commit any fraud. 
I was contacted on XX/XX/XXXX by the original USAA XXXX, who badgered me with questions stating I was committing fraud and being held liable. 
I was then contacted by XXXX in the USAA XXXX. that I was going to be held liable but I was not provided any reason as to why.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21
Company: KEYCORP
State: UT
Product: Credit card
Issue: APR or interest rate

Complaint:
I am deeply troubled because Key Bank raised the interest rate on my business card to 30.24 % for no fault of mine. I have never been late on my payment. 

I was scammed by a company back in XXXX XXXX and I requested a chargeback. After about 30 days of investigation the KeyBank fraud department approved the chargeback and credited my account. I did not make payments during those months because I did not owe them any money because of the chargeback credit. 

Then in XXXX XXXX I get a letter from KeyBank that they have reversed the credit and recharged my account the {$2000.00} I was charged by this scam company. I decided to make monthly pmnts but on examination of my statement I am being charged now 30.24 % interest and my credit score has been damaged. 

I called keybank support and talked to XXXX and her supervisor and was told that KeyBank does not lower interest rates and there is nothing they will do about it. I am extremely upset about this. Key Bank has hurt me, cost me money and damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Usaa Bank has refused to honor replacing a car from an accident XX/XX/2013, which has caused an unneeded expense of over {$30000.00}, plus XXXX, replacement job wages, items lost in car and we were told USAA BANK illegally totaled the XX/XX/2013 car, and as well USAA BANK refused to send proper acknowlegement to these things but to use hate, anger and illegal activity to cause severe issues in all USAA BANK related uses, causing credit issues health issues and other issues not needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed this information 5 times and Equifax refuses to acknowledge their error. Please see my latest credit report from Equifax dated XXXX XXXX where they are reporting a date of XXXX as bankruptcy date. please see attached bankruptcy papers from XXXX bankruptcy courts showing a date of XXXX. Equifax refuses to change this error and continues to allege their reporting is correct it is causing me great financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
i have asked them several times not to cal me they call me several times a day even during inappropriate times of the day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company told me that if I paid the account it would be deleted off my credit reports if paid in full. The account is still showing up on my XXXX and XXXX and has not been flagged for deletion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016, I initiated a " Send Money '' payment for {$770.00} from my checking account with USAA. The transfer vehicle for this payment was XXXX. The {$770.00} was debited from my account on XXXX XXXX, 2016, but never entered the XXXX system, and was not received by the recipient. Since then, I have contacted USAA multiple times to resolve this issue, and have been met with a refusal to provide any restitution. Additionally, USAA has continually referred me to XXXX to rectify this issue. USAA supplied me with a XXXX transaction ID with which to locate this payment. XXXX has no record of this transaction ID, and has no record of any transactions from my account for that amount using my checking account information. On XXXX XXXX, 2016, I spoke with a member of USAA 's Executive Resolution Team named XXXX, who, after talking directly with XXXX, informed me that USAA would be crediting my account for the entire {$770.00} within XXXX business days. After 8 business days, my account has not been credited. I spoke at length again with XXXX members of USAA 's Executive Resolution Team ( XXXX and XXXX ) on XXXX XXXX, 2016 to try to ascertain the whereabouts of my credit. These individuals informed me that USAA would not be crediting my account ( as previously promised ) and that I would have to take up the issue with XXXX. Although I informed USAA representatives repeatedly that since the transaction does not exist with XXXX there is nothing XXXX can do, they refused to offer me any restitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09
Company: Dream Center Education Holdings
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. 

Moreover, debt collector sent two harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. 
The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
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: Account information incorrect

Complaint:
Im showing inaccurate information on my Credit report that is not mine & I have disputed with Equifax before which was removed & now XXXX XXXX XXXX has re appeared back on my report .I have explain to Equifax that I was a victim of fraud.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following item deleted as this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My complaint is a personal complaint but has ramifications throughout the mortgage lending industry. I recently agreed to a 15 year mortgage@2.875 % a very good rate that has since moved higher. However, I now believe my bank, USAA, is intentionally slowing the closing process down. We were supposed to close XX/XX/XXXX. It has been rescheduled five times! The last two of which were canceled 10 minutes before the signing, as I was on my way to the meeting! However, this is not my complaint. I see a broader issue here where banks can extend people 's refinance dates in order to potentially earn extra income from the existing loan ( given they continue to hold the original loan. ) I have no recourse. I complain but ca n't be refunded for the two extra mortgage payments I have paid and the {$800.00} in higher interest I have had to pay. Industry wide this practices costs consumers significant sums of money. I would love to work on an industry panel or regulatory body to fix this issue. Possible solutions could be a limited timeframe to complete a loan after which the bank will pay the difference in interest owned. Thank you for your time, I hope this reaches someone who will help people without any power.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage holder on our home is Ditech. We send them a personal check every month for our payment. Beginning XX/XX/XXXX, Ditech ran our paper check through as an electronic funds transfer and then cashed the check at our bank. Since XX/XX/XXXX, they have been double-dipping. I never signed any document that permitted Ditech to do this. Naturally, our bank accounts are in free-fall. We have been charged {$90.00} in fees to cover checks written.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
Barclay 's ( who holds my XXXX credit card ) wo n't let me access my account and they refuse to send me statements showing what I have paid them. I sure would like to know what my balance is. I 've asked repeatedly for copies of statements. ( They seem to think that since I was Discharged from bankruptcy about five years ago, long before I had any balance with them, that they can retroactively now deny me a copy of statements showing the credits for what I have paid during the last few months. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company just reported to my personal credit file that I owe XXXX XXXX which is NOT accurate at all. I DO NOT OWE XXXX ANYTHING. This is FALSE information and this is violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-26
Company: Reliant Capital Solutions, LLC
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 reported an inaccurate debt collection for investigation to XXXX on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I requested my personal information to be corrected on my file because I believe it is causing accounts to be placed on my credit file that does not belong to me. I have spoken to numerous representatives that continue not understand my issue. I last spoke with a supervisor XXXX from XXXX, Ga in the office of XXXX. He refused to correct my information and said I would have to give them a signed XXXX FORM. From my research in the Fair Credit Reporting Act, that is not part of the proving of identification for my information to be corrected. I would like for the FTC to investigate the violations from Equifax and to have them correct my personal information on my file. I have attached the dispute letter I sent to them on XXXX/XXXX/16, the certified mail receipt showing they received it on XXXX/XXXX/16, and the identity documents I mailed to them showing my correct legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX I called a loan originator at USAA to get pre-approved for a VA home mortgage loan. During that phone call I thoroughly explained that I had, at the time, worked for my current company for 1 year and 3 months. I also explained that I am paid an hourly rate on a guarantee of 70 hours a month, unless I work more, then I am paid for the hours I work ( which is on average around 85 hours a month ). Based on that information, the originator pre-approved us for a certain amount under the income of about XXXX pay hours a month ( my actual income ). We then used that pre-approval to find a house and sign a purchase contract. After signing the contract, we then moved forward in the purchase process by both moving forward with USAA in the loan process and having inspections done on the house ( totaling {$430.00} ). 

After submitting all the required documents to a loan processor, the loan went to underwriting, where it was denied. The processor tried several submissions, but each came back with the same denial. The reason behind the denial was that they could only use the guaranteed amount, since I had not been employed with my current company for at least 2 years. This is a basic VA mortgage loan rule. As a result we had to back out of the purchase contract and the house went back on the market and was then sold to another home buyer. 

I feel that since this is such a basic VA rule, the loan originator should have known it, and should have based the pre-approval the guaranteed amount, not my actual income. Had he done so, we would not have signed the purchase contract, and, more importantly, not have done the inspections on the house, which cost us {$430.00} out of pocket. Therefore, I believe that USAA is responsible for the loan denial and should reimburse us for the inspections fees, but they refuse to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-16
Company: LD Holdings Group, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am very happen with the statis of a refinance on my FHA loan throughLoan Depot, applied XXXX XX/XX/XXXX and in XXXX told my wife 's XXXX hadexpired and needed to renew it! I had my original loan in XX/XX/XXXX and cardwas already expired XX/XX/XXXX I was told by my rep, I did not have to makemortgage payment until XXXX, it was adjusted in new loan! ( this was onhis cell ) not recorded ). XXXX XXXX card was renewed and told it was inprocessing and then on XXXX XXXX, I was told can not get loan, due tomissed payments! Contacted FHA and no help! I feel I should not beblamed in this case and loan should be reinstated! I did all they wantedand closed my accounts to be paid off and now have destroyed my creditand financial in ruin! It seems the laws are not to help anyone in need, retired, on social security, to be taken advantaged of!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It has been more than sixty days since my Chapter XXXX was discharged. Ditech Financial promised to release my account to regular customer service. They never did even after calling several times once every week. They raised my mortgage without communicating with me. When I sent the regular payment on XXXX XXXX, they did n't post it to my account. Also they reported my account as closed to the XXXX credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX claims I owed them money after returning my leased vehicle 13 months early and not buying the vehicle. XXXX claims I owed them {$500.00} dollars. I disputed the amount for a year. Ally reviewed my account and adjusted the amount they claim I owed them. I paid the amount off in full the next month to end this issue with XXXX. The agreed to have this claim removed from my credit report. XXXX credit companies are still showing my account as a charge off even thou I did pay the adjusted amount off in full. I 'm trying to refinance my mortgage and Equifax and XXXX XXXX have my score so low because off this claim with XXXX and I ca n't refinance my house. I still dispute I owed XXXX any money and only agreed to pay off the adjusted amount so my credit scores would be fixed so I could refinance my house loan. XXXX, at XXXX agreed to have my fix my credit scores after I paid the account off in full after the amount was adjusted. I 've never missed a payment in my entire life and have always paid my bills on time or early my whole life. 2 months after paying off XXXX, I still ca n't refinance my loan because of bad credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The closing for my home at was supposed to occur XXXX. The paperwork was submitted to the lender XXXX XXXX or so, but we learned yesterday that the lender -- iMortgage of XXXX, FL -- did not send the buyer 's package to underwriting. This has indefinitely delayed the sale of our home. We have had to cancel utilities, movers, caregivers, and has cost us XXXX of dollars in fees as a result. When we asked XXXX XXXX -- the man responsible for this mistake -- to rectify it by rushing the package, he said, " These things take time. We are just understaffed. I do n't see what the problem is. '' We noted that he had time -- months. He then said that the loan officer responsible for the file quit in XXXX, and no one bothered to check her email to help the clients with whom she was working. He then refused to take any phone calls or emails from us or any of the realtors involved, updating us on the process so that we could reschedule movers, etc. When he finally called us back after repeated attempts to contact him, he said he would not be able to close us on XXXX. To clarify, what has happened is not just that his company failed to process the paperwork for the sale of the home ; rather, iMortgage failed to determine if our buyer is good for the loan! This means, not that the closing may be late, but that it may not happen at all -- which will result in the loss of the home we are buying as well -- a XXXX dollar transaction gone awry. The lender has also asked us to extend our closing date past our lock rate date. Our mortgage lender has told us this will cost us {$1200.00} ( to lock the rate we secured sixty days ago ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Other

Complaint:
This company is reporting an outstanding debt with a balance on my credit reports as a charge off and judgment. They sold the debt to XXXX XXXX XXXX and that is who was paid. When I called Barclays Bank to ask why they were reporting the debt as an outstanding charge off and judgment they told me they have no information on the account because they no longer had it. This is very frustrating for me because they are still having the account reported with a balance as a charge off and judgment. The account number is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I went ahead and placed an order on Samsclub.com for XXXX, buying a bedroom set and mattress set. I went ahead and returned the items, however Samsclub has only credited me for the mattress set, XXXX. I have attempted to have the remainder credited and interest fees since the purchase was made on XX/XX/XXXX and here we are on XX/XX/2016 and the mattress credit was made on XX/XX/XXXX. I have been waiting and waiting with no avail. Please 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