BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
Please see related CFPB complaints Case number : XXXX ( also attached ) I have received XXXX different verbal answers by USAA reps via recorded line, and now XXXX different decision letters from USAA bank all within the same week. 

This recent letter seems rather vague and ambiguous. I fear there may be some issues here incuding, but not limited to Truth in Lending Act. 

Furthermore my original complaint was based upon double inquires on my equifax credit report by USAA and the way that I was lied to by USAA stating that it would not affect my credit as long as they were running my credit within a 48 hour window of the first app. Not the case, credit has been lowered because of this too. 

There is something very wrong going on here with USAA. 

cc : XXXX XXXX XXXX XXXX. Consumer Protection Attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I initiated a dispute on XXXX XXXX, 2015 regarding a charge to my USAA checking debit card from XXXX for {$54.00} for wi-fi services that I did not receive. USAA requested the SAME information over and over and over and over, which I provided at least five times ( four times via telephone and once via fax ). Every time I call, I 'm told that they need THE SAME INFORMATION. I have provided everything they 've asked for at least FIVE TIMES. They refuse to do anything further. I believe that they are intentionally stalling so they do n't have to do anything. USAA service is simply horrid. What happened to this bank? They used to be decent!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: CarMax, Inc.
State: GA
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:
Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: CONDOR CAPITAL CORP
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have been paying on a loan with condor capital the branch in New York was shut down on XXXX XXXX, 2015. A branch in CA took over and records were not transferred correctly,, I 've been making my payments and on XXXX XXXX, 2015, went outside and my car was gone. Now prior to this, my car payment is XXXX a month, I made a payment on XXXX XXXX, 2015 for XXXX and had payment arrangements for another to be taken out of my accounts on XXXX XXXX, 2015. They took the monies on XXXX XXXX, but never credited my account, and have not credited my account for months. I 've supplied them with bank statements and to no avail, no car back yet. I 've had to get an attorney involved. I want to, know what they are doing with my money??? I know for a fact in NY they pocketed over a XXXX XXXX in customer payments. I have correspondence that I have from condor capital showing all payments were confirmed from them. And bank statements showing the transactions. But still the balance on my account keeps getting larger. Ive asked them once they 've researched everything provided are they going to bring my car back and the stupid response I get is " We may request the balance in full '' I am not in default on my loan, and if I could afford to pay this loan in full I would n't have a loan. I am only including a small portion showing payments have been made, I even paid extra several times. As you will notice on the invoice I am sending from them there is no payment posted for XXXX XXXX in the amount of {$410.00}. I have all correspondence if needed as well as all of my bank statements. I had questioned them on XXXX XXXX about the info they were showing, and they never contacted me as well. If I had a customer questioning the account that would have been a priority, not just have some slime bag come to the house in the middle of the night and pick up my car when I live in the middle of no where with XXXX children and have health issues.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX XXXX of XXXX keeps contacting me in regards to a {$75.00} debt I already paid to XXXX XXXX Health Center last year. After every attempt to contact me, I have informed them the debt was paid and to stop calling me. I have stated numerous times they need to update their records. I have called & informed XXXX XXXX Health Center as well. I have asked they write me a letter stating this debt was paid as an addition to this complaint. I refuse to have this affect my credit due to their incompetent work ethic.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX I called USAA Savings BankWhere I have a checking account to inquire about my account and why it was overdrawn. With no help or resolution on XXXX diffrent times I asked to speak with a supervisor finally I did. He was rude and I had to ask what his position with the bank because when the call was transfered. He just said hello how can I help you. I asked could he help gi over my transactions. He said you should know didnt you swipe your debit card. I told him was XXXX the mosr unprofessional people I had ever spoke with. He kept mocking me and would say he doesnt understand my question and he doesnt know how to help. I ended the call. About XXXX hrs later I went to go login to my account I was locked out so I called the number it instructed me to. 
The representive asked did I forget my pin zi said no. So she reset it. Then I asked who locked me out of my account online she said she didnt know and she would transfer me to the main customer service line. I did speak with a knowledgeable rep we went over all my transactions and posting dates. Just like a senior rep was aware I get paid weekly. I was informed my account had been reviewed for fraud but then it was competed. And she said someone put my account in a credit only ststus. She said when I get paid it should clear. She said my account was fine. On XXXX I logged into my account to see a pending/hold on my current balance. So I called in and was told my account is going to be closed and no explanation to why. So I explained to the rep I get paid every week. She said well I will get a check in 10 dsys when my deposit comes in. I explained to her I have XXXX small children. I hadnt done anything wrong is to why I cant access my money when I get paid. I asked to speak to a Supervisor he was polite but still of no help. He said my account was under review and until it is complete I have to wait. I asked why I never had any disputes or reported fraud. I get a simple pay direct deposited in my account each week. 
Its now Thursday and Im not allowed to simply withdraw XXXX the deposit amount was XXXX but USAA took the XXXX but still refuses to give me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
USAA Federal Savings Bank ( hereinafter referenced as " USAA '' ) charged-off my mortgage debt subsequent to my ex-wife filing for Chapter XXXX bankruptcy protection. I did not file for bankruptcy protection and through my ex-wife refused to reaffirm the debt in question, I am still a valid consumer who has made timely and fully payments since the inception of the debt. USAA is likely the servicer for a securitizied mortgage debt. They are currently reporting the debt as charged-off on my public credit record and causing great financial harm. While USAA may have " charged-off '' the debt, they did so unlawfully as I am a borrower who has made timely and full payments and my financial liability has not been resolved by a bankruptcy petition. Because I believe USAA to be a servicer, I believe they have violated several provisions of the FDCPA. Moreover, because they are wantonly and willfully slandering my credit record I believe they are violating the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSWORLD SYSTEMS INC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
all 3 credit reporting agencies reported the following : XXXX XXXX {$680.00} opened XX/XX/22 in collections on XX/XX/22 Collection agency is Transworld Systems Inc. 

I have never heard of this company and never opened any accounts with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
All hard inquiries and all soft inquiries reported on this credit profile are unrecognizable and unauthorized. No consent was given to XXXX, XXXX, or XXXX to report any inquiries displaying on this credit profile. Due to these reports that weren't given to lawful consent, the credit scores were effected tremendously with each credit bureau causing major downfalls to the consumer. All consumer laws were broken to withhold the consumer from operating in legal and lawful commerce within the past 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX XXXX from XX/XX/XXXX until I XXXX in XX/XX/XXXX. Since then I have had major debt and am behind on my payments. I have consolidated my federal loans, but the private loan I had through XXXX I can not do. I was in the rears with them and finally paid that since it got to my credit and am now behind again with no help. I have been attempting to pay off my student debt for XXXX years now and it feels like I have not made a dent in the {$65000.00} I owe. I have not found a job in my degree field I went into and no one wants to hire an XXXX graduate. Every quarter we had to sign financial papers, even as my parents and I looked over them, it seemed like a good fit not to many questions were needed. After I XXXX I was hit with a massive amount of debt that has been hard to get out of. The school its self is not attempting to help like they said they could and the job placement that they highly encouraged never panned out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed an account reported in the file maintain under my social security number. 
I was informed that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the Fair Credit Reporting Act, they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. They are violating the 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 2016-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Friday, XXXX XXXX, I overdrafted on my USAA checking account as I did n't move money over from my USAA savings account quickly enough. This of course is my error. My concern is that my USAA XXXX which is where my overdraft is linked to had the {$700.00} cash overdraft posted as of XXXX XXXX but the {$700.00} is still not deposited to the USAA checking account. When I called this morning and spoke with XXXX and XXXX, I was advised that because it was a weekend that the {$700.00} deposit would n't most to my checking account until Monday or Tuesday. I confirmed with XXXX as I suspected that interest begins billing immediately on the {$700.00} cash advance ( so as of Saturday morning ) yet I have yet to see the {$700.00} post to my checking account. I feel that this is a UDAAP violation. How can they charge interest on my credit card for {$700.00} when I do n't have the {$700.00} in my checking account yet? Seems like a control break in their process since they do n't appear to process certain transactions on weekends. This is not my issue and should not fall back on the consumer. I would like to ensure that I am not charged for interest until the {$700.00} is in my account. Which I am still waiting for as of the morning of XXXX XXXX ....

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 2015-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated calls, XXXX to XXXX times daily for about two months from a number out of the US. The caller never leaves a message. I will not answer any calls that I do not know. This company comes up on the caller id as area code XXXX.USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Synchrony Financial bank locked my account and requires an impossible phone call to regain access. I am in XXXX so international phone calls are impossible and would not be secure. This problem caused me to miss a payment, which hurt my credit and caused me to owe a lot of money. I was at zero interest and a late payment makes it go up to around the maximum. I was able to contact the company, and they told me to XXXX and now ignore me. Here is a quote : " You have no phone so please call this number. '' The bank called me three times, but we can not communicate because XXXX has phone problems - I ca n't hear the bank when I receive a call. I told the company about the phone issue - they are too stupid to understand. The bank stopped communicating. I have tried to contact the bank everyday for almost a month - they no longer reply.

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 2016-10-30
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I recently sold my home at XXXX XXXX, Washington MI XXXX & paid off my LoadDepot mortgage. 
I refinanced my home with LoanDepot in XX/XX/XXXX. I contacted LoanDepot in the summer of XX/XX/XXXX when I received notice from HUD that during my refinance, their title company FNTitle, missed a lien on my property for {$37000.00} filed in XX/XX/XXXX when I went through a modification. HUD demanded payment in full. XXXX advised this lien was forgiven when I contacted then for a payoff to refinance. XXXX advised since I had made my payments on time for a minimum of XXXX years, HUD had forgiven the portion set aside. The HUD representative I dealt with, advised XXXX had been telling everyone the same thing. XXXX did not disclose the lien on LoanDepot 's closing statement. Both these actions made me believe I did not owe this money. I sold my home in XX/XX/XXXX, and was also surprised that XXXX company missed XXXX {$15000.00} lien filed in XX/XX/XXXX by my ex husband, XXXX XXXX My ex had told me he wrote this debt off but obviously did not as I had to pay THAT LIEN as well when I closed on my sale of my XXXX home. Had either of these liens been disclosed or acknowledged by me, on the closing statement, I would not have completed any refinance on my home with LoanDepot or any other company. Needless to say, I would not have QUALIFIED for any refinance had these debts beed discovered and/or disclosed. I paid LoanDepot, {$7300.00} to refinance my home for which I did not qualify. This amount included {$860.00} for a title search to their title company for which I was not named as an insured! I also paid an attorney {$970.00} to try and fight the HUD debt which also failed. 
At this time, I am requesting a full refund of my closing costs as LoanDepot did not disclose these liens and did not disclose or process a full title search, I paid for. I believe LoanDepot did this intentionally to collect {$7300.00} in funds for refinancing. A title company missing one lien on a property might be a mistake, however unacceptable. When they miss XXXX liens on a property, I believe I have been a victim of fraud. I contacted LoanDepot on XX/XX/XXXX to request a refund of my closing costs and gave them until XX/XX/XXXX to reply. To date I have only received an acknowledgment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020, Chase closed all of my accounts including checking, credit cards, and investment accounts with no prior warnings. I contacted them multiple times and they would not give me any reasonings regarding the closings. I have been in branch multiple times and called multiple times. Every time they refuse to disclose a reason. I have banked with Chase for about a decade, with excellent history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was recently denied credit because DCI is reporting several accounts that are either a result of identity theft or mistaken identity. Explained that I had a XXXX wireless account years ago and it was paid in full spoke to several reps who said they could n't not help me that I had to dispute it with original creditor. They gave me the contact number and the original accounts numbers. Spoke to several reps, XXXX could n't locate the accounts and the other XXXX said that the accounts go back to XXXX not XXXX and that I had to dispute it with the collection agency. I wasted an hour trying to correct a serious mistake on my credit report and got nowhere and dealt with rude and careless individuals who was n't trying to assist me in getting this corrected. I 've suffered damages because of these accounts and I have disputed them with the credit bureaus as well but they continue to verify the debt when in fact they are not mine and neither party could validate such. They continue to shuffle me back and forth and neither company has resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Amsher Collection Services, Inc.
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While reviewing my credit report with our military financial advisor, I was informed that Amsher Collection placed a entry on my credit report from XXXX XXXX. However, I was living in government housing ( military housing ) and when you XXXX ( move to a new duty station ) they verify if all utilities were paid including cable. Thus confirming the debt is invalid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation