BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
USAA ( loan officer XXXX XXXX ) pre-approved me for a {$410000.00} mortgage loan in XXXX 2016. I searched for a home and found XXXX. In XXXX 2016, USAA approved me for a mortgage of {$160000.00}, but the home purchase fell through due to damage exposed in the home inspection. In XXXX, since the previous pre-qualification had expired, USAA again ( though this time, through a supervisor, XXXX XXXX XXXX pre-approved me for a mortgage of {$410000.00}. I was unable to find a house, and approximately 90 days later on XXXX XXXX, 2016 USAA ( through XXXX XXXX ) approved me for a mortgage of {$410000.00}. For each mortgage pre-approval ( and for the approved mortgage ), I disclosed that 100 % of my income for the past 6 years was earned abroad and that I have not yet filed XXXX tax returns on this income. I completed a full credit report and XXXX hour interview, which USAA recorded. After I made a contract on a home on XXXX XXXX, USAA suddenly declared that it would be unable to issue a mortgage for {$160000.00} since all of my income was earned abroad. This should not have been - and indeed was not - news to them. The previous pre-qualifications were based on my foreign-earned income. I was referred from XXXX customer service office to the next, from XXXX supervisor to the next. USAA offered to put my parents on the loan to help resolve the problem ( without clarifying that this would also put them on the title, until later ). USAA rarely returned my calls until finally, on XXXX XXXX I was referred to their " executive resolutions team. '' The agent told me to provide proof of filing XXXX tax returns, and I told him to " not cancel my application '' and that I would provide him proof in 2 days, as I had a CPA meeting on the XXXX. On XXXX XXXX, USAA overnighted a mortgage application for me to sign and return by XXXX XXXX, 2016. They sent the same package to my parents and both packages contained confidential information related to me that USAA was not permitted to disclose. What 's more, the application was riddled with errors and could not be signed in the state that it was sent. I emailed USAA on XXXX XXXX asking what to do with the application. USAA then informed me that I " no longer had any applications with USAA '', since the application had been cancelled on XXXX XXXX. In response to my inquiry, USAA explained that the application had been overnighted on the evening of the following day in error. I was referred to the CEO 's resolution team, and then to the business resolution team, and no one has managed to resolve this. Now, my closing date has been cancelled and I am looking for another lender. 
This experience has been a hardship for me and 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 2022-03-28
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I left an apartment complex in 2019 where rent was XXXX dollars per month. I left 4 months before my lease was up which totals to XXXX dollars. The apartment complex XXXX XXXX Apartments and the debt colelction company National Credit Systems have increased the debt nearly 300 % and put it on my credit report. From what I have read this is a violation of the FDCPA because it is a grossly increased debt amount. I tried disputing the information with the credit bureaus but when they tried to validate the information National credit systems and XXXX XXXX apartments stated it was accurate. I was not given an itemized receipt of the charged and they kept my deposit. I feel that this is a violation of Federal Law by allowing a grossly increased and incorrect dollar amount to report to my credit report. It has prevented me from my life goal of getting a home loan. I am not opposed to paying the debt, just opposed to something that has been increased by 300 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
At a local restaurant I was overchrarged in the past and have won dispute. I was recently in same place and took picture of check. It appeared in bank avcount as higher total. The bartender is cheating customers. Thanks for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I first noticed this collection on my credit report, I immediately disputed it due to the fact that I have No knowledge of it. The credit bureaus has not yet removed the items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: SYNCHRONY FINANCIAL
State: MI
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:
Well I applied 4a American Egal credit card & u can either just get tht card er a card 4american egal & any where else which tht was the 1i was approved 4. They kept telling me I was lying then finally said have account so I changed password so I could sign in but I still cant sign all way in & havent recieved the card yet. This needs b addressed ASAP. Thanx XXXX XXXX

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 2018-06-14
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial has not applied payments to the car loan accurately, and they have added months on the payments as well as reporting that I have 12 missed payments which is all false. They also report a late payment every month the the credit bureaus. The car loan was for 72 months, I received the car in XX/XX/2015, which means there should be 36 months left on the loan but Ally Financial is reporting there is 44 months left on the loan. The loan started at XXXX and 3 years later it is showing XXXX left on the car loan, IMPOSSIBLE. Based on what Ally Financial numbers I will be paying almost double for this vehicle which is a used XXXX. This company is stealing and will not talk and explain any of it. I can never get anyone on the phone to explain this, they only say what is showing which is the same thing that I can see from the online system which is FALSE.

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 2023-03-27
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute a fraudulent account XXXX am a victim of identity theft, and I this is not my account. I am requesting that you investigate this account below. It should not be on my Equifax Report. Please investigate remove this account as soon as possible. In addition, pursuant to..as a victim of identity theft I am requesting that you provide me with copy of my report once this is removed. I am a victim of your data breach in XXXX as well as XXXX data breach. 


Please remove the account below. 
XXXX XXXX XXXX XXXX XXXX This do not belong to me.. 
There is not original creditor on my profile but the account number XXXX ( It says medical but its not specific this is breaking the Hippa Law and this do not belong to me Also I have several unauthorized inquires delete. 
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had XXXX, XXXX, XXXX totaling XXXX stolen from my bank account on Paypal and I tried to dispute the transactions with PayPal and they keep wrongly declining it saying that there wasnt any mistakes when there was mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: PROVIDENT FUNDING ASSOCIATES
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : CFPB # XXXX XXXX stated : " Our records indicate that XXXX XXXX 's 2014 property tax amounts reported to Provident Funding ( XXXX XXXX XXXX client and sub-servicer for XXXX XXXX ) were reported on XXXX/XXXX/2014 as XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014. '' I would like Provident Funding to verify or deny that XXXX reported to them on XXXX/XXXX/2014 XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014 regarding my property taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I have a XXXX BIG card and made my payment when I got paid, the payment posted on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received a warning email that I had not made a payment on the card and if I did not make a payment by XXXX/XXXX/2016 I would be assessed a late fee. I contacted the card company which seems to be Capital One and they stated that they close a cycle on the 3rd and do not count payments made previous to that as part of the payment cycle. This feels like a predatory practice designed to incur late fees and harm consumers that are on a fixed income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response. I feel as though I'm being taken advantage of and ignored about the disputes I presented. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress endured from you.

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 2021-03-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have XXXX or {$670.00} ( current USD conversion rate ) sitting on my Paypal account and can't be withdrawn. I traded bitcoin online and have chosen Paypal as form of Payment. I had traded my bitcoin with XXXX and sold it through XXXX ( XXXX XXXX XXXX ) back on XX/XX/2021 and had received my payment in Paypal the next 24 hours in gradual payment. Along with Paypal payment confirmation is a message that says my account is on hold. They asked me for documents and receipt and I have provided those documents transparently and had even provided a detailed information on how I was paid and what product I had sold and where, of course. Now, on XX/XX/2021 Paypal emailed me saying that I can no longer do business with them and after logging in to my account, they said they will hold it within 180 days. The email address linked to my Paypal account is XXXX. I really believed and have trust with the US government and as a XXXX, I enjoy working with clients from the US. I hope that this will be sorted out because that was a hard-earned money and it is needed most as a citizen of a third world country. I would thank you in advance for any help you can offer to me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: URS Holding, LLC
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Enterprise Recovery Systems called my employer asking for personal information. I am unaware of how they received my employer 's phone as well as where I am employed as I have not been employed there long. They had previously called my personal phone earlier that day and when I was unable to pick up they immediately began to call my work without me even hearing the voicemail from my personal phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
CapitalOne has sent me numerous " Pre-approval '' offers. The letter reads in bold that I am " pre-approved for this offer with no annual fee and our lowest intro APR. '' But further down on the back of an accompanying sheet of paper, it explains that a Pre-approved credit card offer is sent to a " well-qualified group of people. Being pre-approved means you meet out initial criteria '' It seems to me that this is " Pre-screened '' not " Pre-approved ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Mailed a certified letter to this company on XX/XX/2016 for debt validation. I received the unopened letter back in my mailbox undeliverable. The address I used was the one provided on my bureau, therefore they did not validate the debt or mark it disputed within the 30 time frame allowed by FCRA. On top of that, I do n't owe this company any money. I have never heard of this company. 
Two companies are reporting on the same alleged debt on my name which is playing a significant role on me being declined for credit, bad insurance rates, and also a loan on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Tri-State Adjustments, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am XXXX and on low income with social security. We have been receiving calls from Tri-State Repeat calls as harassment Lately, they call every few days. The message sounds like a robocall. We have asked them to stop calling, but they still do. 
They have started to leave a message saying they are collecting a debt since XXXX. However, they are supposed to send within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. They have not sent any written communication and it has been over a month now. 

We are retired and on low income. This includes high-pressure collection activity and lawsuits. We are requesting that they cease and desist communication with us, as well as my family and friends, concerning this and all other alleged debts they claim we owe.

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 2022-03-28
Company: EQUIFAX, INC.
State: WI
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 sent a letter to Equifax asking for the accounts on my report to be investigated and verified. I received a letter back from Equifax stating that the accounts I requested to be invested were not being reported on my credit report, however they indeed are being reported. I sent the company copies of my report that shows the accounts as well as a copy of the letter they sent. They still state that the accounts are not being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Credit determination

Complaint:
I just used the XXXX app to monitor my credit, when I noticed that I could apply for the Capital One card. The approval odds were listed in green, and said " good. '' I applied, but my application apparently was n't accepted. I have decent credit, and believe that I am being descriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 69 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 69 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was wrongfully charged {$46.00} on XX/XX/2020 for XXXX when I was not using the service. I was not sent any email telling me that my free trial was ending. My account was already in the negatives when that charge was made so there was no reason for my bank, Chase, to let that charge to go though.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-27
Company: Bronstein & Weiss Arbitration
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have received several " spoofed '' calls from Weiss and Associates threatening to freeze bank account or deliver court documents for unidentified debt. Today, called work number and left pre-recorded message indicated that call originated from `` County Processing Servicing Division '' and wanted me to " make myself available '' between certain time frames for delivery of court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Im a victim of identity theft someone got my XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

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 2018-06-14
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
VA Lender XXXX XXXXXXXX XXXX sold Va loan to Round point Mortgage to collect {$260000.00} and foreclose my home. 
XXXXXXXX XXXXXXXX XXXX denied my legitimate claim to repair my exterior because of uncircumstances of plumbing water leak inside of the walls. 
XXXX new home construction of XXXX refuses to fix my home issues. 

XXXX XXXX has a law firm to denied my claim. 

I am XXXX, Retired.I am in XXXX having XXXX XXXX XXXX   with my primary doctor XXXX XXXX XXXX since XX/XX/XXXX till present. There could be a possible XXXX. 
I need to be in my home after my medical treatments in XXXX. I already filed complaints against XXXX XXXX and Round Point, there is a major scandals, fraud and corruptions of XX/XX/XXXX till Present. 
My home is not in condition for me to be living because of molds, and repairs issues. 
What is the investors are going to do about my XXXX accommondations under my ADA Disability Act Civil Rights under Department of Justice? 
This is a very urgent matters. I am stress and i am prescription medications for my pains.

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