BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Credit card
Issue: Other

Complaint:
I applied for a credit card and was accepted from usaa. they sent me a welcomepack and I recived a bill shortly after. I do all my banking online so I tried to pay the bill right away. they told me I could not hat they needed more information so I sent them morewas told that was good and I should get a reply within 2 to 3 business days never did get a reply so I contacted them again. they told me they needed more info so I sent them more and they told me that they would get back to me in 2 to 3 business days they never did. I got another bill in the mail plus emails on my computer called them up and they told me the last info I sent them was n't right so I explained what I sent them and was told that it would work and they would get back a hold of me in 2 to 3 business days and that I would be able to pay the bill at that time i waited to here back from them never did and contacted them again. they told me the info was not good enough and I had to send more information. I at this point told them to forget it and take me out of there system.they toldme okay and I would recive conformation in two to 3 buissness day in I never did after numorous calls and complaints I am still in there system they turned this into the credit agency during this whole process and it shows as a unpaid bill it has lowerd my credit score enough that ino longer qualify for the home loan i was getting I had a XXXX before all this its now down to a XXXX I needed a XXXX and every thing was fine. so I am stuck staying at a friends house because of a card that I never seen had or used and being forced into getting checks to pay them for something I do n't have they said the only way I can pay for this bill for a card I do n't have and never had is to get checks and mail it to them I am totally frustaited with this hole thing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union offered me a credit monitoring program and I religiously monitor it do to the persistent ID Theft that has plagued me for the past 3 years. In viewing my most recent report Trans Union listed a Collection account sinking my score, It is fraudulent yet they wo n't list the name of the company. They also reinserted XXXX FRAUDULENT INQUIRIES into my report and sent me a hard copy of apparently XXXX separate files. This is a clear violation of FACTA, and Federal Law. I have resent them XXXX, the XXXX Police Reports, FTC ID Theft packet, XXXX Inspector REPORT, and copy of my identity to request an update to my fraud alert phone number to remain vigilant of updating. 
The mere fact they have placed a fraudulent debt collection account on my report and reinsertion of XXXX prior deleted Inquires that I protested through many avenues, the last is going to be legal, dealing with there repeated obstructs is tiresome and I am tireI want them investigated and am attaching a copy of the most recent Trans Union report along with Police affidavit and FTC ID Theft Packet, I also today contacted the XXXX, and XXXX along with the FTC and XXXX of there dereliction of duty.

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 2016-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Initially I disputed several accounts, which came back verified. I believe the investigation is questionable.

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 2017-03-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Loan # XXXX with XXXX .this was a second mortgage for XXXX.it was paid in full on XX/XX/XXXX.that was acknowledged by ocean on XX/XX/XXXX via email. A satisfaction ( reconveyance, release/discharge ) was filed ) letter was generated by XXXX dated XX/XX/XXXX sent to me by USPS instrument # XXXX onXX/XX/XXXX I called XXXX and spoke with XXXX agent # XXXX inquiring about the satisfaction letter that was sent to the court that I had not received and Georgia status states that it must be mailed within sixty days of full payment or I had the right to demand payment of {$500.00} which I did and was told it was mailed on time and they had no controll over the mail. I again stated that I had not received it, and it was important enough to send registered if it was a eviction letter it would have been registered. I was then transferred to XXXX agent # XXXX.I went over the entire conversion with him and demanded {$500.00} for the delay was told to contact the research dept via fax. On the same XX/XX/XXXX I received a copy of the satisfaction letter via email. They are required to send it within sixty days, they are 7months late I still have n't received a hard copy. I want my {$500.00}.

Company response to consumer: Closed
Consumer complaint received 2016-02-25
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted once on XXXX/XXXX/XXXX by Diversified Collections Inc about a debt of {$98.00} that I do not owe. Supposedly the company that they told me i owed the debt was XXXX XXXX. I cancelled my account with XXXX on XXXX/XXXX/XXXX and they still billed me for XXXX XXXX which i paid on XXXX/XXXX/XXXX for {$31.00} I have called XXXX and they have not replied to my phone calls. I have already overpaid them {$31.00} for XXXX service they billed me which I didnt have. I need this to be taken further and taken off my credit report. -- Thank you very much-

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed this and it has come back verified. I sent them everything letters, FTC affidavit they wont remove it. they wont re investigate properly.

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 2015-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited my paycheck from my new job at a Chase ATM on a Friday XXXX/XXXX/15 before bank opening. The receipt said it would be available on Tuesday XXXX/XXXX/15 XXXX days. 
On the morning of Tuesday XXXX/XXXX/15, the hold was lifted, but I received another email stating there is a new hold by the fraud department that will be in place until XXXX/XXXX/15 ( XXXX days, XXXX days from the date of deposit ). 
I called and the agent said the issuing bank has a policy of not verifying checks over the phone. 
I talked to my boss, she said the check cleared from the corporate account on Monday XXXX/XXXX/15. 
I called an agent again, she told me that the only way to get my funds released was to:1 ) Take my boss with me to a Chase branch2 ) Both of us show XXXX forms of ID3 ) My boss show the teller her access to online banking at the issuing bank with the cleared check. 

I recently graduated from an XXXX program. I have been a single mom on XXXX most of my life. I am not making too much money for my XXXX and XXXX benefits and I will be out of food, unable to pay my bills, and unable to get to work if I can not get these funds sooner. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card online, i was not sent a letter telling me i was denied. I called the company citi card cbna in XXXX XXXX sd. The auto service told me i was denied. XX/XX/XXXX I never got a letter. This is clearly discrimination and breaking of the laws 15 usc 1611, 15 usc 1640 and 1691e. I would just like to let you know this company has denied a consumer the right to extend my credit, which is clearly something they cant do.

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 2022-05-24
Company: EQUIFAX, INC.
State: NY
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:
Hi, My name is XXXX XXXX and I submitted a credit dispute with XXXX and after 30 days they have failed to honor my request. Instead XXXX sent me the documentation after 30 days that they believe that this was not me when the dispute came from me with proof of identification documents and failed to open the dispute of items on my credit that are inaccurate and do not belong there. They have violated FCRA laws without processing my dispute and ignored my request with a invalid reason stating that it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Optima Recovery Services LLC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was made aware of a purported debt many months after it had been sent to collection. I have never received a notice, call or letter from the collection agency ( Optima Recovery Services ) but they reported the debt to the credit bureaus and now my credit score has dropped significantly. 

I sent a certified letter to Optima Recovery Services in XXXX 2015. The letter explained I did not owe the debt and included a copy of the cleared check showing the item had been paid. 

I received no response from Optima and the item is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I advised this debt had been paid with the orginal utility company ( XXXX ) and I did not owe it and to stop calling me at my work cell phone number. 
They continued to try and collect and continued calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying my loans since 2006, I struggled at first as I was just out of school.I did what I could and was into at least XXXX forbareneces, never once asked if I wanted to do income based payments. Now 10 years later I 'm still paying and for the last 5 years I have been over paying my loans to the point that they say I do n't have a payment due for 2 months. On top of it all the payment has shrunk. There is no definite due date and as I keep over paying the payment gets smaller. This is rediculus, I own a house and if I over pay I still have to make the same payment ever month. They are XXXX me and XXXX out of money cuz of the way they set up loans. No one will ever get out from under the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Navient Solutions, LLC.
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was sent a letter giving condolences for my death. I called and informed the company that I was very much alive. Another letter was sent that my mother received while at my house- it caused her quite a fright. I have yet to hear anything back from the company either way, and have not had any of my automatic payments taken out for months. I absolutely refuse to pay any late fees or interest that is tacked on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03
Company: Optima Recovery Services LLC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
this is from a medical procedure I had on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The debt is from a XXXX XXXX. I do not deny the debt whatsoever. The debt was for {$2100.00}. two separate times of {$1000.00}. each for their part in this procedure. We paid {$25.00} per month from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX at which time we never received another bill from that time to the present, XXXX/XXXX/XXXX. We never received a letter, phone call or correspondence of any kind till that day of XXXX/XXXX/XXXX when I received a Summons to court. It also had a letter attached to it that stated it was from a collection agency trying to collect a debt. I made a phone call on XXXX/XXXX/XXXX to the number given that was supposed to be the Law office of XXXX XXXX XXXX, attorney at law here in XXXX, TN. I talked with a woman named XXXX XXXX who informed me she was an assistant for XXXX XXXX XXXX, and that she could set me up on a pay schedule, I informed her I was already on a pay schedule and that I was no longer receiving a bill. She informed me they were not required to send a bill. I informed her I had received a bill for 10 months in a row, that pretty much sets a precedence that they send a bill. That 's when she informed me I was going to have to pay court costs and she added it to my original debt. These people never gave me any opportunity to answer this debt at all, much less the first thing I hear from them is by a summons. The Dr. and the hospital who were involved in this same procedure are very close to being paid in full. This debt would be paid right down with them if they had continued to send us a bill. I checked with XXXX and with Optima Recovery and they both assured me they do send bills regardless what XXXX XXXX contends from The attorneys office. I have a severly XXXX that we have been working and waiting on the VA for 2 yrs. now to get the operations I need. It 's been longer than that since I could work. My wife lost her good paying job in XX/XX/XXXX and she has had to work with a temp service just to be able to have some kind of employment. Yet we paid each and every bill so it upsets me greatly when someone tries to cheat us like this and add some supposed court costs to our debt, when we have not gone to court. Not quite sure why they quit sending us a bill but if they had we would have continued paying it. When anything medical quits coming in you figure the insurance finally paid. Please give a reply, I believe I am being railroaded into paying court costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is still not crediting my principal only payments to the principal remaining on the loan balance. Instead they are applying it to future payments ( and interest ) despite my insistence not to, and their policy not allowing this. I have previously submitted a complaint to CFPB regarding this matter ( case number XXXX ). Despite my efforts BoA continues to violate their written policy regarding application payments, and is in violation of the XXXX XXXX XXXX ( c ), failure to credit a consumer 's periodic payment as of the date received. These payments are instead being used to satisfy future payments - as of my XX/XX/XXXX statement, I am now paid ahead until XX/XX/XXXX - ( approximately {$1600.00} in advance interest payments ). 

I pay my mortgage twice per month. The second payment on the XX/XX/XXXX of the month is supposed to be a principal only payment. I have contacted Bank of America regarding this issue on numerous occasions. Resolution specialist XXXX, replied to the last complaint submitted and corrected payments. Furthermore, in his letter he assured me that if I wanted to pay in advance I would have to submit a letter in writing specifying this desire. 

All mid month payments ( extra payments ) are to be applied to the PRINCIPAL balance of the loan.

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 2015-10-07
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection company has placed a debt on my credit report as paid, but I handled the debt with the original creditor, nit this collections agency. They should not have an account listed on my credit and need to delete this account because it is lowering my credit score. I spoke to someone there and asked them to delete it, but he yelled at me and said that they would continue to list it as paid on my credit report, even though this agency had no dealings with me and the payment of this account. The original creditor has forgiven the debt and continued my alarm services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2016, I mistakenly mailed a check to USAA credit card XXXX. The check was for {$2500.00} and was made out to XXXX XXXX XXXX. On XXXX XXXX, I realized I had maybe made an error and had sent the check to USAA. I called USAA credit card services and was told that they had not received the check and would not cash a check not made to them. On XXXX XXXX, I called my checking account bank, XXXX and was told the check had been cashed. After going to XXXX I received a print of the front and back of the check and surely enough it had been cashed by USAA on XXXX XXXX, although I had a credit due from the USAA credit card of over {$100.00}. On XXXX XXXX, after calling USAA, I was told that they could not issue me a refund until I called them back in 10 days. The reason given was that they had to made sure the check was valid since it came from an external source, although I had a copy of the cancelled check in my hand. I was also told that they could wire the money to the bank that day, XXXX XXXX, but I would need to pay them 3 % of the amount wired. 
On XXXX XXXX, thinking that I had made a clerical error in my check book, I had issued XXXX XXXX XXXX another check for for {$2500.00}. Now, USAA could not return the check for another 10 days or more but could immediately wire the money at considerable cost to me. 
Translated that means pay USAA {$77.00} and they will wire the money immediately or call USAA in 10 days and they will mail me a refund whenever. 
I had to borrow money from my son to cover the second {$2500.00} check until my husband arrived from his work the following day to issue me another check for the same amount. 
I am very unhappy with USAA and will be cancelling the credit card as soon as my money is refunded. I hope I have described the situation clearly. Thanks for any help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05
Company: LD Holdings Group, LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/XXXX, I sent a payoff to Loan Depot in the amount of {$34000.00} for a loan balance of # {$33000.00}. Due to untimely payment processing I ordered a stop pay on XXXX/XXXX/XXXX. At that time my bank issued another check to loan depot in the amount of {$34000.00}. Again due to untimely payment processing I ordered a stop payment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called Loan Depot to payoff the loan via ACH over the phone. At that time Loan Depot was unable to accept my payment because the prior XXXX checks were not returned. Loan depot stated that they would honor my XXXX/XXXX/XXXX payoff as soon as their system allowed for an ACH payment. Loan Depot 's system updated on XXXX/XXXX/XXXX to allow for me to make an ACH payment. When I called to pay, I was told that my payoff is as of XXXX/XXXX/XXXX, not XXXX/XXXX/XXXX. I was told by the customer service representative that it was my fault their system would not allow them to accept my payoff on XXXX because of the stop pays, therefore, I was being charged an additional 20 days of interest.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation