BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello Consumer Financial Protection Bureau, I am an XXXX XXXX veteran currently serving in the CA XXXX XXXX XXXX and prior USAA member who has had USAA products and services in the past, such as mortgage loans, auto insurance, credit cards, checking/savings accounts, and auto loans ; all of which were in good standing. USAA stated that I could no longer be a member after a homeowner 's insurance claim was denied over the theft of personal property from my home. On XXXX, I won a judgement in small claims court against USAA for failing to make me whole ( please see enclosed ) and I was found to have no wrong-doing, however, USAA has maintained that I " misrepresented information. '' Prior to this scenario, I was a happy USAA member for many years and had satisfactorily used USAA products and services without discrimination. I am hoping that USAA will reconsider with forgiveness and mercy so that my eligible family and I can become members going forward. I am requesting to be a USAA member once again with the same membership rights privileges, and nancial resources afforded to other XXXX veterans. I am asking for your help in forwarding this written request to USAA since they have ignored my fax, emails, and written letter. I have high hopes that USAA will consider the USAA XXXX " We stand by you. USAA is dedicated to serving XXXX members and their families by offering more benets than any other major nancial service provider. '' Kindest regards, XXXX XXXX Member # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XX/XX/XXXX XXXX : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear Experian, This letter is to inform you that the debt collector, XXXX XXXX XXXX has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed 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 explanation
Consumer complaint received 2022-07-21
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I cut up my Citibank card late last year. I have received no bills for XXXX months. Recently, I received several emails telling me that my account was past due, and a minimum payment was required. I telephoned several times and sent three letters to Citibank customer service, seeking a copy of my bill and what charges they claimed had been made. I was told that they had sent bills, and could not email me a bill, in spite of the fact that they emailed me notices. Further, I was told that the only way to get a copy of my bill if mail was not working, would be to sign up online. But, I needed a credit card number to sign up online ; which of course they would not give me. So, catch XXXX. I " sure they are adding interest and penalties to a charge or charges that I didn't make, but they are preventing me from getting the information to figure out what has happened. My phone calls have not been successful, my three letters have not generated a response, and emails have not been accepted. I am at a loss to know how to proceed. I simply want to know if there are any legitimate amounts owed, and close this account. Citi seems to be avoiding giving me the information needed, presumably to XXXX up fees. I would love to attach documents to my complaint, but Citi won't provide any.

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 monetary relief
Consumer complaint received 2016-02-10
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Went to XXXX Bank ATM to with draw money. Said call financial institution. Tried XXXX other times with different amounts. Stated the same " call financial institution. 

Called American Express they said the ATM show money was disbursed. I never received money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, I have written you in times past about Experian Credit Agency inaccurately reporting information on my credit file. You see and verify the multiple times I've written you regarding this matter. The last complaint submitted is still showing open, at the time of writing this complaint. However, they've already completed their investigation yet again, citing that the information will remain and that the furnisher has verified that info. I have asked multiple times for them to supply me in full detail the furnisher of that information with certified documents, they have refused to do so but continues to resolve their investigation as the information will remain as furnisher verified the info. I have opened yet another dispute regarding that but this time I have included all of the past request as did in times past along with a XXXX from what appears to be the furnisher of that information themselves, XXXX XXXX. XXXX has responded to my dispute about the public record of bankruptcy being on my report, specifically relating to the Experian having it on their report. They also named the actual dispute date as being on or around XX/XX/2022, which is a date in close relation to the XX/XX/2022 date the dispute letter was certified mailed to Experian in regards to the XXXX XXXX XXXX being on my data report inaccurately and must be deleted. Experian has refused to removed the information therefore violating the FCRA laws, which means they have heavy violated me and my data file. Add this XXXX XXXX letter showing XXXX removed the information as it pertains to having furnished the information to Experian the CRA 's have to follow suit but Experian is being stubborn and using computer bots and stall tactics to keep from following the FCRA 's laws. I have asked multiple times for them to provide the certified copies of the furnisher of this information and how their verification process and each time they have denied me the right to that information. I have attached my request and proof of supporting docs to this complaint. Last time I had to call CFPB the rep confirmed what I thought i knew and that is that this platform is not 100 % monitored via a live human being so that is why the cases are opened then closed at the CRA 's discretion after attempting to respond and acting like they are trying to resolve the dispute but really are not.

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 2016-07-06
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
A fraudulent charge was made to our credit card. Once we noticed the charge, we canceled the card, notified the credit card company ( Chase ) of the problem and filed a police report with our local police department. We sent in requested documentation to the credit card company, including a response when they provided additional documentation they received from the vendor ( XXXX ) where the purchase had been made. We got a letter back stating that since we did not respond, they determined that the charges were valid. At that point, we called back, said that we HAD responded and that the charges were NOT valid and resent the faxed documents. Heard nothing. Called back a month or so later to see what the status was and they said that they had closed the inquiry again. We said we still contested the charges and wanted them to follow up. They still have not responded. It feels like they are just trying to make it difficult enough dealing with them that we give up and just accept the charges. It 's been over a year since we started the contestation process and it is still not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion is failing consumers

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Credit inquiry on my report that I didnt authorize

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 2022-07-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  Accounts ending in XXXX and XXXX on all 3 credit bureau reports are reporting charge-off as the status under the accounts after they were settled and paid off with XXXX XXXX XXXX XXXX This is inaccurate reporting of information and I am requesting that the CFPB please have these inaccurate remarks removed from my account and updated to settled-paid as agreed.

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 2022-07-21
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased a new home in XXXX of XXXX with a mortgage from XXXX XXXX. Shortly after the purchase probably in XXXX or XX/XX/XXXX the mortgage was sold to Flagstar. My monthly payments were {$1200.00}. Then on XXXX the payment went down to {$950.00}. I do not recall getting anything regarding this and Im assuming it was after a escrow analysis was done. But I dont understand what they used to make the analysis because the payment should not have gone down. Because my escrow account had a shortage of over {$10000.00} my payments as of XX/XX/XXXX were going to be increased to {$2200.00} which wouldve been over double what I was paying previously. Thankfully the property was sold on XX/XX/XXXX ; however I am upset that they lowered my escrow payment. I think they may have looked at an old tax bill since it was a new property when I purchased it and they looked at the taxes before it was completed. Actually during the closing on the day I purchased the property they did have the wrong escrow amount but they caught it during the proceedings and it was changed to {$1200.00}. I feel that Flagstar was very negligent in how they determined my escrow during the XX/XX/XXXX analysis

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 2022-04-17
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/21 Ally financial was found guilty in lawsuit which cleared out loan in question due to a repossession. 
XXXX is illegally trying to collect on a debt which was apart of a lawsuit Please stop contacting me on this matter

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 2022-04-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/22, a person using the name XXXX XXXX made fraudulent money transfers from my checking account of {$2000.00} and {$2500.00} by setting up instant payments. They also made a {$2500.00} payment using my XXXX. I did not authorize any of these payments. A person called me the same day claiming they were from my bank to ask me about my personal information, but I could not verify they were actually working for the bank. Their phone number is XXXX ( XXXX ) XXXX. I called my bank to open an investigation and dispute these charges, and am awaiting to be refunded the full amount.

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 monetary relief
Consumer complaint received 2015-08-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Late fee

Complaint:
My payment date is due on the XXXX. They are are charging a {$38.00} late fee to my balance if not paid on or before the XXXX. The XXXX is not my due date. I have moved to another state almost XXXX year ago and have had financial slow downs while getting re- established. I did not realize the were charging this outrageous late fee after the XXXX. In my industry ( XXXX XXXX ) the deadlines dates are XXXX that night as this is within the XXXX hour day. My account is has a {$150.00} balance with a {$500.00} limit. No warnings on my paper statement disclose payments should be received on the XXXX. I happened to see it on line when I made my payment this evening. I have been running late due to difficulty but when I pay on the due date, I should not be charged a late fee no matter what time of day it is. The bank can draft out funds from our accounts in real time so our payments should be able to count in real time within the XXXX hour due date time frame. This is robbery and should not be allowed even if posted in all caps and Bold on the statements. It 's even worse as it 's not clarified on the paper statements at all. This means that those who do not have internet access have no way of knowing before they see the charge that this is happening or why if they are paying on their due date. The 26.99 % APR rate and the {$38.00} late fee is thievery and the sneaky way they are getting it is criminal!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: SYNCHRONY FINANCIAL
State: PA
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:
I have been a long-time customer of Care Credit. When I had my job, I have set up an automatic payment to them. I have been a good customer and paid my due. In XXXX of this year, I was not able to pay my bills due to unemployment. I have contacted them and explained my situation. What I owe them that time was approximately over {$100.00}. I made a payment arrangment with them and they accepted a few amounts. When I get a money to pay them full, I did pay them full with no balance. 

Now, when I check my credit reporting, they have not changed the status of my credit, so I disputed it. Suddenly, I received a notification from XXXX, and it says that an account has closed. When I check it out, my Care Credit closed without my knowledge. 

Today I spoke to one of their supervisors and verify the closure. And I was told by their supervisor that yes it was closed because they did a soft pull, and they find many discrepancies in my credit. I was told that in order to not use the card they decided to close it. 

My account was not delinquent as of today, and I paid my dues two months ago with no balance. My point here is that : 1 ) They made a soft pull of my credit to justify my fate with them, and this is unknown to my knowledge. 

2 ) They closed my account while I don't have current delinquency with them, however, it was, paid in full and there was not activity.

3 ) Closing my account affected my credit score. 

I think it is not fair that company would just randomly do a soft credit pull to justify to closed and account that is fully paid and no delinquency. I would understand it if I were not paying my account and the interest is accumulating, and that I have not been responsible to communicate with them. I communicated with them from the beginning, and I paid my balance as soon as I get a money. In my history with them, this is the only year I am not able to pay due to my being unemployed. And I discussed this with them. This is an unfair treatment of customer. And I had reason for my payment, and even my other credits I have reason but not intentional. And the end result of all these was I paid my creditors, and I didn't leave any balance with them. This is unbelievable to make someone suffer this way because of unintentionaly unemployment. It is destructive to the person for them to randomly pull my credit and justify to close because of my other issues. While I was current with my payment with them. And paid in full.

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 2015-05-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The nature of the complaint is that the creditor failed to respond to a debt verification request made pursuant to the FDCPA. The basis of the dispute is that complainant was a victim of identity theft. In XXXX XXXX Complainant 's ex-spouse open a credit card account with USAA in his name, and the Complainant was unaware that the credit card account was opened. The XXXX decree was granted at the hearing on XXXX XXXX, XXXX and signed by the judge on XXXX XXXX, XXXX. XXXX days prior to the final order dissolving the marriage Complainant 's ex-wife transfers balances from XXXX of her credit card accounts to the USAA account. 
The complainant became aware of this once the balance showed on his credit report. He immediately filed a police report with the XXXX XXXX XXXX, TX police department. The case is being investigated by Office XXXX XXXX. He also filed a complaint with the Federal Trade Commission. On or about XXXX XXXX, XXXX the complainant through his legal counsel sent a written debt dispute letter to USAA requesting verification of the debt and specific documents to authenticate the account application. On XXXX XXXX, XXXX USAA responded that the credit reporting issues were out of its control referred the complainant to the credit reporting agencies and failed to provide any verification of the debt. 
The Complainant is requesting debt verification and damages and reasonable attorney 's fees pursuant to the FDCPA.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX inquiry date XX/XX/XXXX 2. XXXX Inquiry date XX/XX/XXXX 3. XXXX Inquiry date XX/XX/XXXX 4. XXXX Inquiry date XX/XX/XXXX 5. XXXX Inquiry date XX/XX/XXXX 6. XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX Inquiry date XX/XX/XXXX 9. XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX 10. XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX 11. XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX 12. XXXX XXXX Inquiry date XX/XX/XXXX 13. XXXX XXXX Inquiry date XX/XX/XXXX 14. XXXX XXXX Inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.

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 2022-04-17
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/XXXX I took out a home equity loan to help fund the opening of an XXXX XXXX to help increase our income. This was an interest only loan. All payments were made on time. When XXXX hit the US in XXXX we were forced to close down. Being a small family restaurant, run by my wife, daughters, and grand daughter we could not financially manage to stay current with all our bills. This closure lasted for a year. as a result I contacted Keybank to see if we could get help. They granted us a forbearance which ended in XXXX XXXXI then tried to get some other type of help from them. It took almost XXXX months after many applications, only to be denied. I appealed the denial twice. After the first denial a representative from XXXX told me about XXXX XXXX different options that may be available for us, so I filed a XXXX appeal, only to be denied again. When I called to find out why I was told that my loss of income from the closing of our restaurant should be claimed on our tax return and not acceptable on an income statement. Other than XXXX this business was our only source of income, so that's why it was denied, every time. I now owe more than the original loan was and there advice was to sell my house to pay back the loan. I asked about paying back a lesser amount, as they previously said to satisfy the loan but said I didn't qualify due to lack of sufficient income. Now they say foreclosure is next. The forbearance section of Keybank is next to Impossible to work with. We lost income, our Business, and some kind of peace of mind by no fault of our own, At XXXX XXXX XXXX I really don't want to lose our house on top losing income, a business and both our mothers all in XXXX. Keybank needs to step up and help clients rather than there bottom line.

Company response to consumer: Closed with explanation