BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wed, XX/XX/XXXX - USAA put our accounts ( XXXX of them ) in " credit only '' status, essentially freezing use of the accounts. They claim this was initiated by their fraud team. I called that day and was told by XXXX XXXX that I would have a response or my accounts would magically be unfrozen within XXXX business days. 

XXXX XX/XX/XXXX - wait ( they say they can not do anything more until XXXX business days have passed since the request was made ) XXXX XXXXXX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait ( though XXXX of the XXXX accounts have been cleared ) XXXX XXXXXX/XX/XXXX- I call Member Resolution to inquire and they " submit another request to the fraud dept '' and tell me I have to wait XXXX MORE business days XXXX  XX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait ( though I did call Member Resolution again anyway and got nowhere ) XXXX XXXXXX/XX/XXXX - I call and am AGAIN given NO information and am told to wait XXXX more days. 

XXXX XXXXXX/XX/XXXX - XXXX withdrawals are being bounced, checks are bouncing, etc. Furious, it has been XXXX full weeks, so I call again today. After XXXX minutes on the phone with a " XXXX XXXX '' expert ( my XXXX one ), I am again told that there is nothing they can do except submit an electronic request for the fraud team to resolve it " within XXXX business days ''. 

There is supposedly no way to put me in contact with the fraud department, and they will not let me talk to a supervisor or someone " higher '' up the chain. They claim the fraud department works first-in first-out, but that is clearly not true since XXXX of my accounts were unfrozen within a few days. I have had no access to my primary checking account and my son has had no debit card for XXXX days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My landlord was supposed to send me my deposit refund in the amount of {$3800.00}. I provided account number with an error and someone in my bank ( Chase ) received the funds. I contacted the sender and they opened a claim with their bank ( XXXX  ). XXXX sent a letter that the funds can not be credited back and that I need to contact my bank. I contacted my bank over the phone first and was told that nothing can be done. I have filed a claim online twice and both times the claims were declined without even trying to help. My bank didn't even try to locate the person ( by account number ) and contact him/her. I understand that my bank is not required to credit me the lost money, but they can make some effort to contact the person and see if he/she is willing to refund money sent to his/hers account by mistake. It is a lot of money for me and I have been a loyal customer for more than 20 years and still my bank don't even try to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: The Outsource Group, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
There's two collection agencies trying to collect XXXX bills on my mother. Her name is XXXX XXXX XXXX. But the collection agencies are contacting me. And I'm telling them that this is not my XXXX bill this is my mother 's XXXX bill. And that they need to stop calling me. But I keep getting phone calls and text messages and voicemails left on my cell phone from both companies.

1. Medicredit Incorporation : I have been receiving phone calls from this company ever since XXXXXXXX XXXX XXXX about this bill for my mother. This is not my medical bill it is for my mother and I've informed them to remove me from their calling list and also not to contact me. They've also sent letters in the mail for this bill and I informed them of the information and even sent them a copy of my mother Insurance cars all three of them front and back and her ID but I keep getting phone calls from these people. 

XXXX. XXXX : This company here calls me and the voice messages as well as text me and leave voice messages as well I've been receiving calls from them since XX/XX/XXXX the last message that they call me on was on XX/XX/XXXX I've been receiving text messages from them since XX/XX/XXXX when I received the phone call in XXXX I informed them to please stop calling me if not I will take the next step which is necessary in reference to having them stop calling me concerning this collection. But unfortunately they do not inform me of what this collection is for so I'm not sure if this is a debt of which it is I owe or if this is one that's for my mother. But I did ask them to stop calling me and they are still calling me and texting me the last one was XX/XX/XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. Capital One and Cabelas accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Emails of an account being opened on XX/XX/XXXX. Tried contacting Bank of America about account. Difficulty talking to an associate or figuring out how to access the account without the account number. They wouldnt allow me to ask if theyd close the account or allow me access even though I have my social security number and proof of identity. They sent me to an automated machine that told me theyd send a fraud form in the mail but I dont know if it goes to my address.

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 2023-01-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are not recognized and were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: ACIMA CREDIT, LLC
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:
In accordance with the fair credit reporting Act. XXXX Account # XXXX at Acima finance violated my rights 15 U.S.C 1681 Section 602 A. States I have to privacy 15 U.S.C 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have no problems lowering my monthly payments. However I was defrauded by the school I have some student loans for. I was not able to get a job after graduation. I was promised employment and job placement. I was did submit an application for borrowers defense. I already had two small applications pending. However this application is for about {$30000.00} in student loan debt. I was not aware of my options and there is no way to submit the application except through email. The process seems lengthy. I am currently unemployed. I have asked repeatedly for resolution to my ongoing issues with my student loans. I am not getting any resolution from Aidvantage and not giving me options. I am asking them to review my current situation and my loans with XXXX XXXX. I graduated with the promise of employment and the promise of job opportunities. They told me they had career placement. None of this happened after I graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past XXXX years, Navient has been calling my number daily at XXXX. 

I have no debt with them, and when I called and spoke to their rep on XX/XX/XXXX, I gave her my social security number and she verfied that I am not in their system. In fact, I have no debt with them, nor do I have a student loan. 

I requested to have them remove me from their call list, so she took my information and forward it to the calling department. 

I have been on the Do-Not-Call Registry since XX/XX/XXXX. 

On XX/XX/XXXX I had reported the unwanted calls on that Registry. 

As usual, the calls continued and I began documenting them. On XX/XX/XXXX I got a call at XXXX XXXX, and the following day XX/XX/XXXX at XXXXXXXX XXXX I got another call. I blocked them. 

However, they manage to call from new numbers to call from after they have been blocked. These are harrassing phone calls, as they occur every day ( sometimes multiple times per day ). 

Here are some of the numbers I have blocked from them in the last few months : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, I do not owe a debt with them, nor do I have a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Paypal Holdings, Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
So Paypal open a credit card in my name that I didn't approve for back in XX/XX/XXXX. I talk to someone about this situation but they never removed off my credit file the balance is ( {$0.00} ) the account is closed due to been inactive and the date it's closed on XX/XX/XXXX the credit was $ XXXX repeat ( I NEVER ) open or filled out an credit application with them. Please help me & please removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment of {$1200.00} last week, reducing my total balance. The payment posted, and has been deducted from my bank account. Unfortunately, Citibank will not update my available credit despite the payment being made as this was a larger than usual payment on the account. I spoke with an account manager and they didnt have the ability to confirm with my bank that the payment was deducted. Im away from home and this is the only payment method I have access to currently.

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 2022-08-01
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened this acc in XXXX this is old XXXX After that i moved to XXXX and i opened the acc from there and I received a money from my clients, My work is completely online in tourism in XXXX, i have website for tourism and clients text me on XXXX and make reservations for trips and theme parks tickits One of custome service called me in XXXX and said you should going to XXXX and add XXXX bank account for withdraw the amount, I did it already and opened bank acc in XXXX and added this acc in my PayPal acc, After that they limit me because they needed recipes for transactions but my business completely online as i told you, when i sent messages to explain that they close my acc and mailed me you should wait 180 day to restore that and withdraw a money I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: WELLS FARGO & COMPANY
State: NJ
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:
It was during 2020 during the COVID 19 pandemic I hadn't used the card in a few months but had always paid in full on time when I had used it. in XXXX of they decided that I was a credit risk ( my husband had carried a balance on one of his non wells Fargo credit cards while making the minimum payments ) and shut down my credit card and stole hundreds of dollars of rewards that I had earned to that point

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX I started my journey getting some much-needed dental work. Unfortunately the dentist did not do a good job and I had to ask for a refund. I used XXXX credit company to finance this. After many months of deliberation I received a refund and the Account was paid in full on XX/XX/XXXX. Several weeks before the account was paid I opened an investigation on their account page to make sure it was taken care of because the dentist was not doing his job. After seeing the account was closed I tried several times to call the company but due to some issues after a system update you can not physically reach anybody for almost a week. I was finally able to reach a gentleman on XX/XX/XXXX and he informed me that he would get the investigation closed, that was the reason I had not gotten a check yet because the investigation was still open, and a check would be sent out immediately. The {$990.00} check is the amount that I paid into the account that was 100 % refunded. I waited for XXXX weeks and still no check so I called again and was informed by a supervisor that because of the size of the check for {$990.00}, it could take XXXX to XXXX business days so just give it a few more days. Fast forward XX/XX/XXXX and still no check. I called them again and spoke to a supervisor on XX/XX/XXXX and informed her that I was told the check was on the way everything was closed and I did not receive my check. Her new story was that the investigation takes several days to close and that a check had not been sent out yet and nothing would happen until the XXXX. So I was told the investigation would be closed, I was told a check was on the way, I was told to wait several more days, and now XXXX getting a new story. And I still have no check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: IL
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 sent a letter regarding inaccurate info and unknown things being on my credit report to equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: The Sayer Law Group, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The Sawyer Law Group attempted to collect a debt by mail in late XXXX. I didn't want them to assume the debt they purchased was valid so I sent them a notice of dispute. I asked for a declaration swearing that statements made in a document are true or copy of a judgment against me. XX/XX/22 I get a response back stating, " Enclosed is a copy of the verification of your debt .... '' I have attached the notice. It was not signed by any person. I have reason to believe that this debt collector is looking to mislead me into believing that I owe a debt to them. The Sawyer Law Group has disclosed in writing that it is a debt collector and has directed me to the CFPB to learn and enforce my rights under the FDCPA. I have asked this company to cease communication with me and if any communication marked as an attempt to collect a debt is sent directly or indirectly, I will explore legal options to enforce civil liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i ended online access to accounts and requested paper mail correspondence after several months i have received nothing including interest on my cd accounts i recently changed my phone number now usaa cant send a code to my old number everyone states they cant access my account they cant connect me to any dept that can and thier automated system does not accept any uploaded id which they require..Basically i am a phone number their system does not recognize my social security number they have my license dd XXXX and my auto policy i have no access to my money cant file taxes or any statements to keep with my important papers if i cant get my money how would my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: LoanCare, LLC
State: CA
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 loan was sold to XXXX care provider at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX care. Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of 30 delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.

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