BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I contacted my bank, USAA Federal Savings Bank, on or about XXXX XXXX, 2015, and asked how to obtain copies of checks that were deposited in my checking account over two years because they were not online. I asked the USAA representative if there would be a fee associated with the research. The USAA representative initially said it would cost {$5.00}, but said he would check with his supervisor. When he came back on phone, he said that there was no cost associated with getting the deposits. I told him that I wanted to go ahead and order the the information and hung up the phone. When I went online to check my checking account yesterday, I noticed that USAA deducted about {$160.00} from my checking account. When I called USAA to complain that the USAA representative told me that there was no fee and I had not authorized the fee, they refused to give me the {$160.00} back. They said that I agreed to pay for photocopies in the fine print of my checking agreement. I told them that the USAA representative told me that there was no fee, and I did not authorize them to charge me {$160.00}. Furthermore, I have not received any photocopies. I should not have to pay this {$160.00} fee since I was told that there was no fee to get online copies of my deposits ; I did not authorize the fee ; and I never actually received any photocopies of my deposits.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: ID Analytics, Inc.
State: AZ
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:
On XXXX I applied with several banks that the dealership was to search for a good interest rate to proceed with the purchase of the vehicle I was going to buy. I finally settle on XXXX XXXXXX/XX/XXXXThe purchase was completed. A few days later I received a letter from XXXX XXXX, advising me that they denied offering a loan to me because of my credit score of XXXX ; research by SageStream LLC. On the same letter included XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX. The denial of loan by XXXX was contrived by them. 
It should be noted I've had a RV vehicle loan for the last XXXX with XXXX. ( never a late payment ) I was using the RV as a trade in for the XXXXXX/XX/XXXX I was purchasing. 
I've filed a dispute with Sagestream LLc as well. The info listed with them is not different from XXXX and XXXX XXXX. 
I personally think XXXX XXXX With SageStream collaborate on with whom to grant loans to. 
The EVIDENCE IS THE DENIAL LETTER SENT TO ME BY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been remodifying my loan for 4 years and it has continually been found short of documents, out dated documents or missing documents as well as now needing MORE documents. Intentional manipulation of paperwork submitted is blatant. I have pleaded with them to not sell my home and made a deal with them to have all primary documents needed to them by XX/XX/XXXX for them to start the underwriter process as well as any additional documents they may need. My attorney noted that it appears their intention is not on the up and up and the house is again back on the auction block for XX/XX/2016. there is no time for them to do what they need to do to approve this modification by XX/XX/2016. It appears a rubber stamp denial is already in place. they have filed a XX/XX/XXXX response date, which they have not, as of yet, informed me of and what it entails. Again, I see deception going on as has been going on before. They have broken into my home on three occasions and left the security features damaged or open to vermin, vandals and weather. I have requested a cease and desist and reimbursement for the damages and it has been ignored. I have lost three years of tenants due to sending my tenants monthly 'auction ' sales notices as we go throiudht is weird 'dance '. I have lost them, the {$2800.00} a month revenue from them and the cost to take them to court to retrieve this lost revenue with no success. They reference the letters stating the house is sold and were told by the SPS legal counsel to stay in the home until SPS tells them to leave. Thus the reason for no rent. This is their statement ( to the mediator present ) in court. I feel that right now they are intenting a rubber stamp '' FAIL '' on the home. I have a XXXX XXXX XXXX on it with numberous Stock holders attached and I was just informed that they will not be reducing the 7.44 % interest rate due to these investors. This is not right and is intentional. No one has informed that that the 7.44 % will remain until I spoke with an Ombudsman last week, and all this because disclosed to me, as well as I can e-mail all info to them as opposed to the express mail I have been using ( express due to the fear factor that they convey of urgency all these years of doing this. 
I need solid and honest support at this time. Your help is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: AL
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:
My credit report shows a XXXX  loan balance from XXXX with the most recent balance from XX/XX/XXXX. The loan was transferred to XXXX on XX/XX/XXXX and was forgiven on XX/XX/XXXX. Ive disputed the balance three times and each time provided more information. In the last dispute I provided a copy of the notice of the loan transferring, a copy of the notice that the loan was forgiven, and copies of screen shots of XXXX website showing a XXXX balance and a copy of XXXX showing a XXXX balance. My credit report appears as if I have {$98000.00} in debt that I dont have. Each time they close the dispute and the only change is a note that I disagree.

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 2021-11-23
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First i am the mother of the minor child XXXX XXXX birthday XX/XX/XXXX i pulled my child credit because i was getting phone calls from credence resource XXXX XXXX enabler I they verified with me her name birthday and social everything was verified accurate except her birthday they had same social same birthday but different year of XX/XX/XXXX when her birthday is XX/XX/XXXX so i pulled credit under the year harvest had and my minor child have a credit profile with several accounts from this company i am enclosing her birth certificate social security card my temp id and a recent bill as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I mobile deposited a check that I received to be a mystery shopper into my USAA XXXX account on XXXX XXXX. I called USAA and they assisted me registering for my account. On Saturday, the XXXX my husband contacted USAA and inquired if the check had been deposited and if the funds were available. We were told that they were. At no time we were told that due to being customers that they released the money. On Wednesday the XXXX of XXXX, I checked our checking account on USAA and found that the check was fraudulent and that the money had been withdrawn from our account. We were never called or emailed. After doing research, we discovered that the mystery shopper was a scam and that the Department of Treasury issued an alert to all Banks about this bank and the routing number. We have come to find out that USAA does not protect its consumers against the fraud alerts issued by the Department of Treasury. We asked USAA to take some responsibility for us being out of {$2800.00} and were told that the depository agreement means we are responsible for all money deposited. We called USAA and we thought that we asked all the right questions, but we were never told that the funds were released because we were good customers. I would have waited to see if the check cleared before withdrawing the money. In addition, because we did withdraw a large amount of cash we were never questions. These should have been all red flags to our banking 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 2022-11-18
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX ( closed Accounts ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America is reporting to the Credit agencies incorrectly as I am an authorized User on my husband 's BOA Visa card and in no way responsible for his debts. I have my own BOA  credit card. My credit score went down considerably because my husband made a large purchase on his card which hit MY credit score. ( XXXX XXXX to mid XXXX!!! ) My available credit is in no way near what my husband 's available credit is so it hits my report considerably and erroneously I might add. 
That should be illegal as this debt shows on his and my credit report! I am in way responsible for his debts on this card. 

XXXX  XXXX di the same to me a few months ago and we took me off as authorized user which is what we did this morning to BOA 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 non-monetary relief
Consumer complaint received 2016-11-30
Company: SYNCHRONY FINANCIAL
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have repeatly applied for Credit and have been refused. My Ex-wife sold me property under a fraudulant Document. I filed for divorce and paid the court ordered support. I have been told if I want this harassment to end I would have to remarrie her. She has abused me financially since 1969. Presently I ca n't get a Credit Card. It seems as if I am a Target for Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was out of work from XXXX XXXX, 2016 until XXXX XXXX, 2016 due to a XXXX that required at least XXXX weeks of recuperation without use of my XXXX. My worker 's comp claim was denied. I was attempting to go back on light duty, which my employer denied. I attempted to file a claim for unemployment, because although I had initially been informed I could work light duty, my company would not let me return to work with restrictions. On XXXX XXXX, 2016, I called USAA to inform them that I was out of work, and could not make my auto loan and personal loan payments, and initiated the USAA debt protection coverage. After a week or so, I called USAA. The employee I spoke with told me that my debt protection was in place, and that I did n't need to worry about my payments. Within the next month, I Iearned that that was not in fact the case. I was called by USAA multiple times, and I called USAA multiple times to inform them that I was unable to make my payments and was waiting for the debt protection to make said payments. I ended up having to fill out the debt protection paperwork twice, because they said that I was not out for over 30 days ( this was on XXXX XXXX, 2016, at which point I had in fact been out for more than 30 days ). Because of these delays, USAA has not only assessed both of my accounts with late fees, but they 've also reported my accounts to the credit bureaus. None of this would have happened if the debt protection process was not so cumbersome ( the forms had to be either mailed or faxed ; there are no options to do so electronically ), and if the debt protection had paid on my accounts in a more timely fashion. One of the late charges was reversed, but there are still {$47.00} worth of late charges that USAA refuses to reverse.

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 2022-11-18
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Automatic payment for month of XXXX was withdrawn from my checking account on XX/XX/XXXX. The amount wasn't sufficient to cover new payment amount and was notified of a missed payment. When I logged in, my only option was to pay the full mortgage payment and not the difference owed. I was notified again of missed payment on XX/XX/XXXX and when speaking with a customer service rep I was notified that I can only make a full payment and not the amount owed via their website.

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 2022-11-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX I transferred {$250.00} to my other business bank account and {$750.00} to another recipient from CHASE bank. Neither of us received any money. I called Chase Bank and they launched an investigation and said they would call in XXXX days. Nobody contacted me, I had to call and said call back in a week and it should be refunded. I called back and they said they cant refund my {$1000.00}. I have called 5 times and every one I talked to is making me out to be a liar. I am furious and this is unacceptable! I have been with Chase bank and making a lot of transactions and this is total disrespect. I have been lied to, and given misinformation. They will say contact XXXX, however in their clause they are not liable for any transactions involving your online bank. They are only liable if you transfer money through their app. Pleas help to resolve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: First Credit Services Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Credit services located at XXXX XXXX XXXX XXXX New Jersey have been call and harassing me about a collection in the amount of {$110.00} that has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My spouse and I applied for a home loan through USAA. I am a mobilized reservist currently on active duty. USAA issued a pre-approval letter and based upon that we looked for and found a home that meets our needs. We made an offer, which was accepted and currently are under contract to purchase the home. USAA had pre-approved us for {$250000.00}. The purchase price for the home is approximately {$230000.00}, well under the pre-approved amount. USAA subsequently rejected our home loan application and denied credit. However, during the application process, they provided a completed application form with incorrect data which we were advised by the loan processor to change and re-submit which we did. Also during the application process, the loan processor referred to us by XXXX different last names and provided a response that related to another person 's account, to include data related to that person 's home loan application. We provided all documents and information requested by USAA timely and completely. At the time of initial denial we raised concerns and asked for reconsideration. They reported to us that they re-looked at the loan then responded with a third reason for denial. However, at no time did they provide information with regards to the data they were using and whether it was correct. We have serious reservations as to whether they ever used the correct data to adjudicate our loan application. We also have concerns that they may have confused our account with another in light of the emails we received for other account holders. We also have yet to receive a written notification of denial, only XXXX informal emails. USAA representatives, to include management, are now unresponsive to any of our concerns despite professional and polite emails raising these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
I was billed twice for XXXX XXXX XXXX for XX/XX/XXXX season. 

I have been double billed for my XXXX XXXX XXXX account for XXXX. 

Initial charge was on XX/XX/XXXX XXXX XXXX XXXX XXXX - SEASON XXXX CA {$99.00} Subsequent charge was on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$99.00} I have written XXXX emails to XXXX XXXX XXXX support at XXXXXXXXXXXX I have also disputed the charge with XXXX twice and had long discussion with them for second dispute. The second dispute was denied today as they said it was not the same merchant. That an online merchant could use multiple billing methods seems beyond their comprehension.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
USAA XXXX intentionally orders transactions in order to collect more fees. USAA FSB has stolen {$58.00} from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a problem with making a payment to my Suntrust/Truist credit card. I made a payment to pay off my credit card from my US Postal Service Federal Credit Union checking account. At first my credit union accepted my payment dated for XX/XX/2023, but after I hit the submit button, I got a message that Truist could not accept my payment before XX/XX/2023. I checked each day with Truist and my payment wasn't posted. I called Truist several times at XXXX about this issue as my payment was never posted. I paid {$10000.00}. At times I waited on hold for over one hour before speaking to someone. I've talked to several people at Truist and have even used an email address I was given and to the present time the same problem exists. I even called my local branch at XXXX and never got an answer and despite leaving voice mail messages, my calls were never returned. Today, XX/XX/2023, I went into my local branch that is located at the XXXX XXXX in XXXX XXXX, MD. I didn't want to see a teller. I wanted to a clerk that would be sitting in a desk. I waited for 35 minutes until someone finally saw me. Her name was XXXX and she immediately copped an attitude with me. While I was trying to explain to her how I was treated and that I was upset about that, she kept looking at her phone and then the ceiling. When i told her that I didn't like the way that I was being treated and was considering taking my banking elsewhere, she told me that I could do what I wanted to. Now I am very angry. Despite being very agry, I was in no way abusive with any employee. I went into the managers office to explain how I was being treated. She accused me of copping an attitude with her clerk and told me not to come into her office upet. Her name was XXXX XXXX and based on the way she treated me, I don't believe she has the wherewithall to be a branch manager. To put it simply, I don't think that she knows how to treat people and neither does the clerk named XXXX. Perhaps they both should be replaced in their employment. I finally found a very nice lady named XXXX who helped me but neither one of us was able to get a final resolution from Truist. What is also very upsetting to me is that I have used my credit card for several cash advances and interest accrues every day that the credit card has not been paid off. Truist charges me interest daily, but refuses to accept my payment.

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