BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Circumstances of my life changed and I can not currently pay any of the debt on my USAA credit card for a number of reasons : I have had the same XXXX for 18 years and we tenuously made things work, by agreeing as to who pays for what. 

When my landlord gave a 60 day rent increase notice, XX/XX/XXXX, XXXX had a XXXX and is temporarily staying with relatives in XXXX. Her relatives are helping and XXXX can still split the expenses with me until XX/XX/XXXX, and if I do n't find another professional job, before XX/XX/XXXX I will have to move to a cheaper cost of living area. 

On XXXX XXXX, XXXX, I also underwent XXXX, to save my life. XXXX. 

My circumstances are just information, part of which I gave to USAA and not to give a SOB story. 

USAA said that they would not renew my credit card, even after I am able to pay back my debt to them. 

I had previously let USAA know that I am judgment proof, except for Federal debts. I am currently living on a combined military and XXXX pension and have XXXX XXXX car. I had also previously promised that when I get another professional job, I will take care of my credit card obligation, with USAA. 

Today, XXXX XXXX, XXXX, I received another one of repeated calls from the USAA credit department on XXXX. In order to " get me verified '', the caller wanted to know everything about the XXXX cars I have insured with them, as well as my social security number, etc. These are things that the department of USAA which insures me already has on file. I hope that USAA is not planning to try to seize our cars, that a third contracting party claiming to be USAA, without my knowledge, wants the information that USAA already knows, for that purpose.. 

I asked USAA or the anonymous third party claiming to be USAA, once again, to cease calling and told them that if they want to sue me, then that is their option. The estimated amount of the debt is {$4000.00}. I can not stop them from tacking on late charges and other fees, so I hope that I wo n't end up legally owing them a much higher sum of money and that, it can be negotiated when I am able to repay this obligation. My member number with USAA is XXXX. You may choose to omit this information, if you choose to publish this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I cashed in a CD XXXX XXXX in the amount of {$2400.00} and USAA said they would send the money to my XXXX on the XXXX. it never got there. I have been calling USAA and now they said is was not sent until the XXXX.. To day is the XXXX. and still nothing in XXXX account. I asked for interest on the money and they said they could not because I do not have a account there. All I get is the run around from USAA. They keep sending me from one person to another with no results

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX military, and have been since XX/XX/XXXX. 
In XX/XX/XXXX I purchased a house in XXXX, Arizona through USAA. The loan was a split ( XXXX ). 
I left the US to serve XXXX from XXXX until XXXX. 
During this time USAA sold the primary to another mortgage lender, but USAA retained the " XXXX % '' of the loan for themselves. 
I returned to the US and was divorced shortly after in XX/XX/XXXX-XX/XX/XXXX and because of the housing market crash, the house was upside down. When I attempted to execute a short sale to remove the property as a joint holding between my ex-wife and I, she declined to do so out of pure vindictiveness. This forces the disposal of the property to have to be foreclosed upon in order to break ties and liquidate the property. 
The foreclosure process began, USAA refusel the XXXX / XXXX offer to settle with the primary lender, and the first mortgage holder closed without them. 
USAA somehoe re-catorgized the loan as a " Home Equity Line of Credit '' even though it was original purchase money and not an HLOC. 
In the State of Arizona, there are laws ( see the attached letter as a reference ), that state that all money used as original purchase money, is " forgiven '' at the time of foreclosure. 
USAA has failed to recognize these laws and recorded my mortgage, even after the foreclosure, as a open account with a XXXX balance. 
After seeking assistance from military legal offices, USAA 's only actions in response to the letter requesting the removal of the loan from my credit report, was to file a XXXX and report the loan as loss to them, and capital gains for me. I got smaked with the tax bill, and paid as required. 
However, even after USAA recorded the loss, they still continue to report the mortgage loan on my credit reports and will not communicate with me, or my proxies to resolve this issue. In one event, they actually withheld my military pay to make a mortgage payment forcing me to change my military direct deposit banks to prevent further interference from the bank. I have successfully gotten one of the credit agencies to remove the account based on the law, but USAA has proven to be manipulative and uncooperative, especially since they claim to be a military affiliated institution that is stonewalling an XXXX military member causing massive financial implications in direct contract with the Arizona Revised Statutes that they agree to abide by when they do business in those states. This is a typical struggle of the little guy against the " big bank '' who uses stonewall tactics for their own financial gain, while the whole time advertising themselves as being a " military member supportive institution ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Neighborhood Assistance Corporation of America ("NACA")
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Hi, I am asking and pleading for your help. Bringing this back to XX/XX/XXXX, we accepted an offer on our house from a woman using a NACA loan. This NACA loan is a government/state ( honestly it is not very clear who assists ) aide loan. This has been an absolute nightmare since. We were set to close XX/XX/XXXX, however, received notice on XX/XX/XXXX at XXXX that we would not close, and not given a reason why. All we were told at the time is that there was a minor hold up that they needed one week tops to clear. By that time, my family and I including my XXXX year old and XXXX month old were in a house with no furniture except a crib, and XXXX air mattresses, which is because every extension we have had has been this " short '' extension that seems counterproductive to move anything back in. When they asked for a week, we set the extension for a week and a half for XX/XX/XXXX, to ensure there would not be another extension. XX/XX/XXXX came and went without a word from NACA. Our contact person out of the XXXX office, XXXX XXXX, has been avoiding office calls, emails, and cell phone communication. We finally got a response from XXXX XXXX 's supervisor XXXX XXXX after our closing on XX/XX/XXXX had already passed. He then explained that it would need to be postponed again and that again it wAs just the bank reviewing the clear to close. Once again we signed an extension that brings us to XX/XX/XXXX, tomorrow. Once again no one can get ahold of XXXX XXXX. This whole process is unbelievable. This is a program that advertises being for a family, however, they have acknowledged the conditions my family has been living in and done nothing. My 18 month old was hospitalized during this time which we again expressed to them, yet nothing was done and calls, emails and texts were ignored. I think that this is something that would help many people to investigate. If you look up NACA there are many similar situations. If you look up XXXX XXXX and XXXX XXXX you can find many situations involving the same people. This is not right for my daughters to live like this and it is not right that they are continually getting away with this. 

I hope to hear from you soon, thank you, XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
Synchrony Bank ( formerly GE Capital Retail Bank ) persists in reporting a fabricated FCRA Compliance Date/Date of First Delinquency on my Lowe 's account. My attorney states that this is a blatant violation of the Fair Credit Reporting Act. 
As the attached history shows, my account became delinquent in early 2013 and I entered into an agreement to settle the outstanding debt in the summer of that year. The final contractual settlement payment was made in XX/XX/2013 at which time the outstanding debt was cancelled. Synchrony Bank has reported the FCRA Compliance Date/Date of First Delinquency to the credit bureaus as XX/XX/2013 or XX/XX/2013. Per attorney this is false and unlawful on its face because no delinquency or unpaid debt existed in those months ; all outstanding debt had been cancelled in XX/XX/2013 and could not have been delinquent in that month or the subsequent one. The first delinquency that should have been reported ( assuming the validity of the charge-off reporting here in the first place ) is the original delinquency leading to the settlement agreement.

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 2022-02-14
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Prestige Financial repossessed my car on XX/XX/19 The XXXX was paid off with the bankruptcy and they did not give me my title and told me I would interest on it I didnt got a lawyer to look at the paperwork and they sent them a letter saying they owed me XXXX  which of I paid XXXX  And did not get a response my next step is to do the complaint here and if that doesnt solve it hire a lawsuit lawyer which my lawyer told me I can and they crammed the down the bankruptcy interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Getting constant phone calls for the wrong person. Caller ID shows different phone numbers they are calling from and they do not leave a message. I called the number back to find out who they were and what they wanted. This is how I found out it was a Debt Collector. The person they are looking for does have my first name but the last name/last XXXX digits of the social security number are not mine. I told them they have the wrong person and to stop calling me. The calls are still coming in I answered 2 today and told them again they have wrong person to stop calling me and remove my phone number from their list. This time I said I would report them for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On   XXXX   XXXX   XXXX     I went to Chase to close my account with them and find out that another account was overdraw and ask the Ban k Staff a t the can I close this account once I pay the amount overdrawn I was told no I would have to wait to the cash, Cashier is process in order to close the account. I would like is ther e United State Federal Reserve and United States Federal Regulation regarding this that   state if I was to deposit money not matter it is Cash or Cash Check from another Bank that I would be required to wa it unto the transaction is clear. What are in the United States Federal Regulations about closu re of account and Fraud Account is it legal to hold the customer responsible for Fraud that happen in an bank account debit card and will the bank require to investigate convicted the individual that committed the Fraud many of the banks are make the customer responsible for these charges and what happen to FDIC  Insurance on Unit ed States Banks  Accounts an whe n you open account are the Bank inform customer of the FDIC  Insurance on accounts hand out legal documentation Please investigate ensure that Chase,    XXXX   XXXX   XXXX  ,   XXXX   XXXX   and  XXXX   XXXX  are process and conducting Banking Product according to United States Federal Reserve and United Sta tes Federal Regulations and do the bank supposed to issue Bank Debit and Credit on the spot or is this conce rn a temporary Debit Card because this is was the United States Banks are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
There is a collections amount of {$2300.00} from XXXX XXXX  that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX used XXXX collections companied to file inaccurate derogatory collections on all XXXX of my credit reports. However, I do not have an account with XXXX, nor did I ever possess a XXXX account. I placed a credit freeze at each of the XXXX credit bureaus on my credit report files XX/XX/XXXX. Nonetheless, in XX/XX/XXXX, XXXX XXXX extended credit to a person in XXXX with a similar name, however I live in XXXX for the past XXXX years. I was subject to the Data Hacking if XXXX in XX/XX/XXXX. I have credit bureau monitoring of my files and I was able to remove the inaccurate derogatory collections. How did XXXX XXXX give approval for a new account in my name, while all XXXX of my credit bureau files are frozen? XXXX did not check this persons credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The agency is not bondedin the state of texas to collect debt

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 2016-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
received call at XXXX on XX/XX/2016 and the television caller id identified the caller as Portfolio Recovery XXXX had called /but on the voicemail did not leave a message could not call back as long distance and can not afford/I am XXXX /another XXXX person lives here as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TRANSCARD, LLC
State: NY
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
We loaded XXXX onto a gift card to pay our XXXX cell phone bill and on XX/XX/2016 XXXX processed a payment of XXXX everything was fine until XX/XX/2016 when transcard filed a claim against att to have the XXXX returned to them witch att did and then put the amount back on our bill making us repay the XXXX after XXXX returned the XXXX to transcard the money disappeared we called transcard numerous times to asked where our money went and they said they paid att XXXX witch we ask for proof of and the only proof they are provided was for the payment on XX/XX/2016 for XXXX and that was returned to them on XX/XX/2016 leaving us with the bill of XXXX and a balance of XXXX on the card the XXXX is gone XXXX does not have it as it was returned and trans card has no proof of anything other then the one payment in witch they took back and left us out of XXXX stating it 's not their problem

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy on my credit report that should not be reporting. My credit report has a bankruptcy listed by the US bankruptcy court. I reached out to the US bankruptcy court to verify that they reported a bankruptcy and received a letter stating that they do not give any information to anyone including credit bureaus. The US bankruptcy court is the only ones that can verify such account other than me. There the credit bureaus are in violation of the FCRA and is reporting misleading and inaccurate information. If this alleged bankruptcy is to be continued to be reported I need physical validation Sent to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is an ongoing problem : Previous case # ( s ) XXXX & XXXX. 
Attached are documents from Fay Servicing, who are the new mortgage service company for my loan. Transfer of service was on XX/XX/XXXX from XXXX. Ever since XXXX took over the loan back in XX/XX/XXXX, constant problems have continued as stated in previous cases aforementioned. According to XXXX, I am in arrears by XXXX month payments. Attached are copies of recent statements and XXXX ( XXXX ) months of canceled checks. 
The second issue is with flood insurance. Fay insist I have no flood insurance when in fact XXXX letter confirms the coverage. 
Third : XXXX and Fay have been including escrow fees and as stated in A letter dated XX/XX/XXXX, the account is non escrow. 
I want this account corrected and all escrow, insurance late fees etc monies refunded. 
This is also is causing a negative effect my credit score Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1. WELLS FARGO - OPEN NUMEROUS ( XXXX ) CHECKING AND SAVING IN MY NAME AND BUSINESS - AND REPORTED THEM TO XXXX AND XXXX. WHICH CAUSED MY CREDIT TO BE AFFECTED AND A XXXX CARD SHUT DOWN. 
2. XXXX- THEY FLAT OUT CALLED ME A LIAR AND HIDE XXXX ACCOUNTS ( DELETED ) - IN MY NAME AND BUSINESS BECAUSE I HAD OVER XXXX IN CHARGES ON MY DEBIT CARDS AND they were n't even activated. ALSO THEY HAVE MY NAME AND BUSINESS STATING I MADE A DEPOSIT FRAUDLY NO THEY HAVE SMEARED MY NAME AND AS A VET IN THE XXXX.. 

3. XXXX - TRY TO CALL THEM SO MANY TIMES HTAT ALL IU DO IS TALK TO PEOPLE OVERSEAS THEN I CALLED BACK NUMBERS FROM XXXX AND MICHIGAN TO FIND OUT WHAT THE ISSUE IS AND THEY HANG UP. CALL THEM THEY ALL WERE DISPUUTED AND BY LAW THEY A SUPPOSED VALIDATE OR REMOVE - THEY HAVE NOT DONE ONE THING EXCEPT I WAS TOLD I HAVE TO GO TO A BANK AND GET A SC AN COPY NO NO NO NO YOU COME HERE HERE YOU WANT TO SMEAR MY NAME WHY NO VALIDATE ANYONE CAN SEND A SCAN XXXX SEND S SOME SIGNATURE CARD ITS NOT ME. 

THESE PUNKS HIDE IN A XXXX IN XXXX AND MY XCOUNTRY THAT I SACRIFICED MY LIFE ALLOWS IT. THEY ASAP REMOVE BLOCK NOW BY LAW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates are attempting to collect on a debt that i do not own. They have continually called my home phone and my place of employment to attempt to collect on this debt. they have not provided any proof this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
A Capital One credit card is not reporting on my XXXX and XXXX credit report. The account starting with XXXX was opened XX/XX/XXXX2001 and has been paid in full. I 've notified the company repeatedly but they have failed to update the XXXX credit bureaus with the accounts information and only update the section which displays when the account last reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT ACCEPTANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$10000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2015-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company Portfolio Recovery Associates of Virginia continues to harrass me by telephone on a regular basis for a debt I do not owe. They have never sent any information regarding this debt by mail, which I have asked for. I have repeatedly asked them to stop calling my home. They are not only persistent, but rude and unprofessional.

Company response to consumer: Closed with non-monetary relief