BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I ended up having to change my number. Portfolio Recovery Services would call up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX One guy called me a XXXX XXXX XXXX XXXX XXXX '' for owing money that I don't even owe. I have no idea where these people came from or why they are ruining my credit. I do not owe the money that they claim I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: GA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2015-09-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We filed for a home affordable modification with SPS -Select Portfolio Servicing and were approved we made our trial payments on time in the amount of {$1200.00} for all XXXX months they were due. Now XXXX comes and our XXXX payment after trial payments is due. According to our Modification paperwork we had no escrow shortage and the payment due was to be {$1200.00}. I called to make the XXXX payment today and I am told my payment amount due is {$1500.00}. So called back to question the payment and I was told that this was unusual, XXXX XXXX XXXX whom I spoke with stated that normally the XXXX payment is the payment agreed to in the modification and usually they do an escrow analysis about two months after the XXXX payment is due. It could possibly change how much I owe, but not til about XXXX or XXXX. He researched our documents and could not find any reason why our payment changed and also said there was no analysis done and that we received no paperwork to show any changes which according to RESPA I am to be made aware of in advance. Now I was told to make that payment of {$1500.00} or my modification would not be finalized. This is not what we signed a legal document stating and I want to get help to see if they are trying to scam me or get more money than owed. Can you please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I open this account with CITI online. and transferred my direct deposit over to the bank. I open this with XXXX and I have not had access to the account and no one will tell me what is needed to clear up what the issues is. I have called and spent hours on the phone. This has been going on since XXXX. Now my direct deposit is in the account and I have no access to it. They continue to say that i will get a letter in the mail. WHY cant these people tell me what I need for them to unlock my access. I have not gotten went to social media and they reached out to me I sent my ID all my information for them to tell me they could not help. This is crazy that I cant get any assistance. I dont even know the account number because I have never had access to the account all I have is my social security number. I used my debit card from my XXXX XXXX XXXX account to fund the account. so you will need my social XXXX. XXXX XX/XX/

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 2016-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a Capital One 360 account on Friday, XX/XX/XXXX and deposited {$11000.00} into the account. 
I had multiple problems getting the account opened before I was later told that my funds were on hold and given a number to call the security department to verify my transactions. After calling the security number twice, I was sent to a voice mail box for the security department on Saturday and never received a call back. It is now Monday XXXX and I have currently been sitting on hold for nearly an hour with no human contact for what should be a routine account security verification so that I can access my funds and use the account as normal. 
I am very frustrated and disgusted with the abysmal customer experience and piss-poor customer service ( or lack of ) that I have received from Capital One 360 for what should be simple, routine, and quickly-addressed account activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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 fraud alerts or security freezes

Complaint:
I am requesting XXXX XXXX XXXX place a freeze on the credit/information report. They are requesting I provide them with a copy of my social security card, drivers license and other personal information. I am the victim of identity theft, so I am not willing to provide anyone with any personal information. I have a personal and religious objecting to companies using numbers as a means of identifying me. Regretfully, I can not prevent XXXX XXXX XXXX collecting personal information and using my social security number or drivers licenses number to identify me. I can comply with my religious beliefs by not assisting nor supporting the use of a number as an identifier.

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 2022-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022, USAA locked me from gaining access to my checking account on the mobile app. When I contacted USAA I was informed that my USAA membership was cancelled and the bank discontinued to do business with me. For over a month in a half I continuously tried to contact and communicate with USAA over the phone but I was informed that the customer service representatives could not verify me to talk to me and that my membership was cancelled. On XX/XX/2022, I received a letter from USAA that my checking account was in the negative over {$14000.00} and the bank is requesting my personal information as if they never informed me that my membership was cancelled. I no longer bank with USAA so why are they continuously invading my privacy asking for my personal information as if I am still a member of their bank and the bank keeps mailing letters harassing me going back and forth saying the checking account is restricted as if I didn't request in writing and over the phone to close my checking account. In addition, USAA violated my privacy by mailing a letter without any addressed receiver knowing that multiple people I live with banks with USAA violating my privacy once again with their XXXX XXXX acts towards me since XX/XX/2022. XXXX I receive assistance from an external agency that can assist me in getting my USAA checking account officially closed and stop USAA from harassing and violating my privacy as a non-USAA member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX 
account number ending in XXXXXXXX XXXX XXXX balance {$990.00} has violated my rights. 
account number ending in XXXX XXXX XXXXXXXX balance {$920.00} has violated my rights. 
account number ending in XXXXXXXX XXXX  balance {$0.00} has violated my rights. 
account number ending in XXXXXXXX XXXXXXXX balance {$0.00} has violated my rights. 
account number ending in XXXX XXXX XXXX balance {$2000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX XXXX Balance {$36000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX balance {$600.00} has violated my rights. 
account number ending in XXXXXXXX XXXX balance {$1000.00} has violated my rights. 
account number ending in XXXX XXXX balance {$250.00} has violated my rights. 
account number ending in XXXX XXXX {$450.00} has violated my rights. 
account number ending in XXXX XXXX {$460.00} has violated my rights. 
15 U.S.C. 1681 Section 602A I have the right to privacy.

15 U.S.C, 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-02-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In it 's answer to complaint XXXX, SPS denies my demand to rescind my loan. 
They base the denial on the fact that my my loan originated in XX/XX/XXXX ... ... my ORIGINAL loan did originate in XX/XX/XXXX, but it was REFINANCED ( NOT MODIFIED ) XX/XX/XXXX. 
I say it was refinanced because the loan was INCREASED by over {$50000.00} because they added the balance of funds they ( actually XXXX XXXX, the servicer at the time ) used to pay off my then XXXX mortgage with XXXX XXXX without my knowledge or permission. They did n't just modify my original loan, they did a cashout ( the funds from XXXX mtg payoff ). The only way it would be a modification is if they did n't add the extra funds to MY account. 
Since I never received ANY TIL materials, or even an accounting for the extra money, I am exercising my 3 rear right of rescission, which I originally notified the XX/XX/XXXX. 
If the refinance that they call a modification was really just a modification, they would be right, but the refinance occurred on XXXX/XXXX/XXXX, and I am well within the 3 year window to rescind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, a family member got access to my Macy 's credit card app via my phone while unlocked, requested that my card be closed via supposedly chat, next day I notice my account was closed, called early in morning to report it to Macy 's as a mistake and tried explained and demanding they reopen my Macy 's card due to it being without permission or authorization. Got the runaround and was told flat up can't reopen it. I've read reviews that yes indeed it can be opened by similar customers of Macy 's online. I sent a XXXX  complaint but prefer to make a complaint here since I am fed up with Macy 's and I've been a great customers always paying on time. the Macy 's credit card was a XXXX All I ask is to reopen my card as it was before and will make sure in the future this doesn't happe again by locking my app or online activity.

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 2016-09-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a checking account XX/XX/XXXX with Huntington Bank. I had a item that returned and was NSF fee at the time. This fee was unpaid due to the lack of me being able to afford it and over time the fees were just tacked on to make my balance {$170.00}. I have since then filed bankruptcy in XX/XX/XXXX. Today, I have a checking account with this same bank and have for a year now. Today I wake up to my account being short {$170.00} because they decided after three years and since then a new account, they would take their money without me being aware of it. This debt has not only been sent to collections but was also included in my bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
a lot of information is invalid on my credit report. I am disputing all incorrect information on my Experian credit report to help my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: IN
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 were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We went to BB & T bank to get a pre-qualification letter for a XXXX home or investment property. we wanted to use them because we already have XXXX loans with them and have been customers of theirs for years. We gave the mortgage professional there all information she asked for and we were pre-approved. we took our letter and stated looking. We soon found a rental property ( duplex ) and made an offer well in our budget. the offer was accepted and we called XXXX to get everything going on this property. We had to get them a few more documents but all was going well. She said she even wanted to do a fast close since everything was in order which was fine for us, the duplex already had tenants in place, so it was all ready to go. We were putting money in our pocket after making our mortgage payment, a win win situation. Well a week before closing, which was scheduled for XX/XX/XXXX, we started this a few days before XX/XX/XXXX, BB & T called, and said we could not get the house. they determined that they were going to need XX/XX/XXXX tax returns!!! That will take months!! They did n't think of this before we started this whole process?? We had already paid for inspection and radon tests {$440.00}, appraisal fee {$530.00}, and who knows what could come from the title company because they were done with their work as well. Our realtor was boggled to say the least as well as us, we were very irritated with BB & T foe letting us get this far!! Now the Mortgage professional says we can not get any of that Money back. All she said was sorry. She also did n't even know it was a rental ( duplex until I told her a few weeks into all this. She had all the info on the property from our realtor. What was she doing!! 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
Consumer complaint received 2022-11-18
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I bought a TV for under {$3000.00} and in XX/XX/2022 Best Buy Citibank charged over {$1400.00} in interest. I made an automatic payment to their website throughout and after my purchase. 

This was supposed to be no interest for 24 months. I am being charged over 50 % in interest and have no explanation from the company. I am disputing and reporting this unethical business from Citibank XXXX. I am not the only consumer being overcharged. Deceptive promotion over 24 months of no interest ever specifies an outrageous claim. I have no idea how this was calculated and was not aware that I will be charged this higher from no-interest financing. I would of used a different credit card had I known this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were some unpaid last bill ( {$320.00} ) that I was not aware of. XXXX XXXX account closed in XXXX and I could not get any notification from them since thenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2021 and I finalized my new residential place and changed my Driver license in XXXX. 

XXXX XXXX and Amsher sent notice to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and I did not receive those letters. They filed a collection in XXXX, which hurt my credit record for XXXX and XXXX. I noticed the drop of my credit report and found out what's happened via XXXX. I just called Amsher Collection and paid my debt immediately. Now the balance is XXXX. 

This collection is caused by wrong address record. I did not intent to delay the payment. I ask the credit bureau to delete this record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have not opted-in to overdraft protection wherein my bank ( BB & T ) will advance funds on my behalf, should my account balance fall below zero. For years, my savings account has been linked to my checking account for an alternative to overdraft protection, however. Recently, I noticed that I was being charged a {$12.00} " Miscellaneous Debit '' for BB & T to transfer my own money from my savings account to my checking account upon a low balance. This " Miscellaneous Debit '' is charged per transfer, very similarly to an Overdraft Fee XXXX just not {$35.00} XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: IA
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:
Name of Furnisher : XXXX XXXX amount {$700.00} Collection Agency reporting incorrect Info : XXXX XXXX Date I made pmt : XX/XX/XXXX cashier 's check from bank was mailed to XXXX XXXX XXXX. 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with XXXX. They did not update report. 
XX/XX/XXXX Filed dispute with Experian.

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 2022-11-18
Company: HW Holding, Inc
State: IA
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:
Name of Furnisher : XXXX XXXX  amount {$700.00} Collection Agency reporting incorrect Info : Hunter Warfield Date I made pmt : XX/XX/XXXX cashier 's check from bank was mailed to Furnisher XXXX XXXX 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with XXXX. They did not update report. 
XX/XX/XXXX Filed dispute with XXXX.

Company response to consumer: Closed with explanation