BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. ) In XX/XX/XXXX in violation of fair credit billing laws USAA reversed the decision on a billing dispute made in my favor from XX/XX/XXXX-XX/XX/XXXX a  year prior. 2. ) At that time I requested all documentation obtained during their investigation, and documentation used in making their decision. I have yet to receive any documentation for my USAA XXXX XXXX which had the largest discrepancies and errors. 3. ) I received billing statements for my two USAA XXXX Cards, none of these statements had any of the requested documentation relating to USAA 's investigation and decision to take adverse actions. 4. ) I still have not received a billing statements for my USAA XXXX XXXX and since USAA restricted my online access back in XX/XX/XXXX I  have had no way of knowing what they are actually doing. I say this because USAA has failed to maintain open lines of communication or provide the requested documentation as required by law. 5. ) The timeline provided by regulation Z to finalize all billing disputes has already expired, as well as the timeline allowed for USAA to provide the requested documentation.
6. ) USAA might say they made several attempts to send me the documents. However in a discussion with XXXX from the collections department as of XX/XX/XXXX all my documents and communication with USAA was still set to be delivered online on USAA.com. Meaning, I was unable to access them due to USAA restricted my onilne account access in XX/XX/XXXX. Furthermore, I made repeated requests verbally and in writing for these documents and was assured by more than 10 agents I would receive them. To this day for the USAA XXXX XXXX I have not received any documents. And I have not received any requested documents for any of my affected accounts related to USAA 's investigation or offering a detailed explanation of their decision to take many adverse actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I have multiple IRA High Yield CDs that keep renewing. I can not get anyone on the phone ( wait times are hours long ) or on chats ( the bots do not understand my request or they say the wait times are 30-60 minutes when they are even longer than that ). When I try to close the account and request distributions, the website says this can not be processed at this time. I should be able to close my accounts without penalty because I am getting only 1.5 % on some of my money and it KEEPS renewing. They keep saying the customer service is swamped which is probably true, but my finances are being affected by their under hiring. Additionally sometimes when I call, the calls just hang up on me after a certain period of time. This is unacceptable for a bank or any trusted financial institution.

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 2022-08-24
Company: Frontline Asset Strategies, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi I am XXXX XXXX, Im making this complaint against Frontline Asset Strategies for identity theft. I have never given Frontline Asset Strategies any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Frontline Asset Strategies can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 

If this documentary evidence can not be produced and Frontline Asset Strategies. continues its collection efforts, I will file for litigation for actual damages caused and Frontline Asset Strategies will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX XXXX and I have been trying to get the payoff for my home from ShellPoint Mortgage for over a month now along with my attorney XXXX XXXX. She and I were on speaker phone in her office with my SPOC XXXXXXXX XXXX as well as her supervisor by the name of XXXX ( did not provide her last name ). XXXX assured us on this call that I would receive the payoff via email on XXXX, and if it wasn't received then to call XXXX XXXX back XXXX which I did several times, but still no payoff was sent. This is unacceptable. I'm about to be put out of my home because of this. I really need for this matter to be handled ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. There collection companies do not have a contact with my signature.

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 2022-08-03
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have A right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states A consumer reporting agency can not furnish A account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted letters to Equifax,  XXXX , and   XXXX   regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is a follow up to complaint XXXX. Wells Fargo refuses to answer me in writing and keeps trying to pawn off my complaint to XXXX XXXX XXXX, the administer of the claim. I have talked to them and they do not provide an answer and will not send me any response in writing. It is Wells Fargo that hired them as an agent and must take responsibility for their mishandling on the complaint. Wells Fargos reputation for mismanagement, fraud and scandal is well known and I want an answer from them.

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 2022-09-16
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have tried several times to work with my loan company in regards to my payments. They are unwilling to work with me. I lost my job due to being in a XXXX XXXX relationship. I explained this to them, but they do not care. My payments are due every 2 weeks in the amount of {$290.00}. I have been making payments of {$260.00}. Today I was told that my car payment is {$480.00} past due and the collateral is {$240.00} past due. I was told by the call center floor manager, that if I can not pay the collateral, I should not be driving their car. 
Also, DMV sent my plates to me. The call center manager stated that I still owe them {$98.00} for the plates and I will need to pay for that. He said there was a glitch with DMV that is why I received my plates. I paid for the plates with my down payment in the beginning in the amount of {$120.00}. That is what my loan papers state. XXXX, the manager, is very rude, very unprofessional and is requesting/demanding payment. Told me to borrow the money, which is what I already did to make this payment. 
I am not asking for a handout, I am asking them to be sympathetic to my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: NC
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've sent in disputes to XXXX, equifax and XXXX. I understand that they have thirty days to re-investigate my disputes. They are over the time frame and nothing has been resolved. I reqested for charge offs and collections to be removed from my credit report because I never gave written consent for anything to be furnished which a direct violation. They're willingly and knowingly reporting inaccurate information without my consent. furthermore I have many inquiries reported as well as late payments which is clear violation. I have a right to privacy and my rights are being violated. I've sent to these furnishers clear written instructions and they are requesting that I re-send them in which I will not because I've sent them the exact same information three different times

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called Equifax and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Wired funds {$3000.00} to Coinbase, inc on XXXX XXXX 2017, still no funds deposited in my account on a same day transfer. I have called the listed number but it is either busy or no answer. I have sent emails to contact/support but still no answer. The money has been debited my account from the wiring bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On  XXXX / XXXX / XXXX  I called the company that has this charge in my credit report. Comenity bank/  XXXX   XXXX   XXXX   I spoke to  3 people there. Non s eemed to know why this acct that opened on  XXXX  and CLOSED in  XXXX   XXXX  is in my credit report. They told me they do n't have any records, They could not give me any information, not even verify it was mine. They said they would have to research that far back.   I never to my knowledge had a credit card in  XXXX .   Please help me with this. I am sure this was not mine and it was closed per this company 23 years ago.   The whole report on this is not correct. It says recent payment {$25.00}. incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a treadmill from XXXX XXXX XXXX The billing date was XX/XX/2022. There was an introductory free XXXX interactive service that could be used with the treadmill. It was free for a month. Of note is my treadmill did not work. I contacted XXXX XXXX XXXX via email on multiple occasions ( a waited on hold for hours while never getting someone to answer ). When I received a email on XX/XX/XXXX indicated I would now start being charged, I sent an email indicating I did not want the service -- -- I couldn't use it with a broken treadmill nor did I want to pay XXXX. 

XXXX attempted to charge me for the service on multiple occasions. Discover Card sided with me on the XXXX instance which was likely XXXX but since then have sided with XXXX. They have indicated that since I never received an acknowledgement from XXXX, they were going to side with them. 

Note that it is in XXXX 's best interest to ignore my cancellation and continue charging me. There is no incremental cost for them whether I used the platform or not... but I never used XXXX. It is in XXXX 's interest to continue to ignore my requested cancelation and charge me. 

Of note, I have never used the XXXX service during this period. 

I have since cancelled my credit card with Discover Card after being a customer for decades. There are multiple charges either under review or Discover sided with XXXX. The total amount in dispute is likely XXXX. 

During my most recent conversation with XXXX from XXXX on XXXX, I recorded the conversation including their position that I needed an acknowledgement. XXXX was aware the conversation was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I bank with XXXX XXXX XXXX. I 'm on Social Security XXXX, and have been getting more and more Overdraft fees. In the past 3 months I 've been charged over 500 in fees. XXXX is my only source of income. And these fees have been causing undue hardship and harm to myself and my family. This month, due to the rolling overdraft fees, within a week of my social security check being deposited, my account was already in the negatives. I attempted to work this issue with the bank, they removed ONE overdraft fee. My bills generally do n't change monthly, but due to the {$36.00} fee for each overdraft, they have been taking more and more of the money I need to survive. I need some help getting this issue resolved.

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 2017-09-26
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had Ocwen as our service. They charged us mortgage insurance and we never needed it. We were in a chapter XXXX bankruptcy and they messed our payments up from the trustee. We tried to modify our loan before our bankruptcy and they lost paperwork. Our names are XXXX XXXX And XXXX XXXX XXXX. My phone number is XXXX. Our current address is XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. The property in question was XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. Can we be part of a class action law suit? Thank you, XXXX XXXX XXXX email : XXXXXXXXXXXX

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 2022-12-07
Company: Prosper Marketplace, Inc.
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:
I obtained a personal loan from Prosper in XXXX. The first payment was deducted from my bank account automatically. I intentionally made a second payment thinking I was paying ahead. I made this extra payment because I was in the process of relocating to another state. Therefore, I didnt want my payment for the following month to be late since I was also starting new employment. When Prosper called me the next month saying my payment was due, I asked the representative to check my account and see I made an extra payment on my account. She said she could see the extra payment but I still owed for the new month. The company began to harass me over the payment. 
I have since paid XXXX towards the balance which is approximately XXXX. But I received notification from a credit reporting agency that my credit report has a 30 day late which has impacted my credit report causing my score to drop XXXX points. Prior to this incident, I had a perfect payment status. 
I called Prosper an spoke to a supervisor. She informed me there was nothing she could do even though she verified I made the extra payment in advance.

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 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX XXXX XXXX XXXX XXXX consumer report : Dispute : Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Reported SSN/ID : XXXX Drivers License : XXXX State : XXXX Date of Closure : XX/XX/20XXXX XXXX  # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) Bank of America is in violation of my rights. I request that this negative report be permanently removed from my XXXX XXXX XXXX XXXX XXXX report. I have attached documents to verify my identity

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 2023-04-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I paid for a car repair on XX/XX/XXXX with my debit card. 3 months later I had the same problem. I approached the dealer but he refused to refund. I went to Chase bank. I put in a dispute on XX/XX/XXXX. At the time I was not told of statute of limitations. They credited my account for {$3600.00}. Then 3 weeks later they reversed it. My account was overdrawn. I feel that I was treated unfairly. I should have been informed of this policy. I want the bank to reimburse me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 information incorrect

Complaint:
I am filing this complaint because I'm going through a really stressful time due to Portfolio Recovery Associates , LLC 's actions. 

I filed an arbitration case against Portfolio, who is reporting the account involved in this matter. Portfolio has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX ( the original creditor ). Portfolio has been overly aggressive and has harassed me in trying to collect this debt, for which I wanted to take legal action, and the contract only allows for arbitration. 

Now the XXXX XXXX XXXX tells me that Portfolio is out of compliance with them, which means that not only my contract with XXXX, but the contract terms of each and every consumer that has been sold to Portfolio will not be upheld. 

So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am attaching the proof of the filing.

Company response to consumer: Closed with non-monetary relief