BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: Experian Information Solutions 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:
XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXXXXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXXXXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies

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 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is trying to steal my home from me. United States XXXX Veteran who hasn't missed a payment in years. Bank of America has secretly changed my amount of my mortgage stated that a mortgage evaluation was completed and monthly amount went up. This information was never made available nor was an option to pay down the escrow amount to keep my payments the same or lower offered to me. Later I received letters stating that I was in default and that my home would be placed to foreclosure if I didn't make payments. I reviewed my records back to XX/XX/2017and didn't see one missed payment. There is no other conclusion other than they are trying to keep me from paying my home off for ownership and trying to steal my home from up under me. Well I XX/XX/XXXX/XX/XX/XXXXveteran  and I'm not giving up my home without a fight as I was trained at XXXX XXXX, GA. 
COVID-19 is causing people to lose their jobs and not pay their bills I'm currently in an economic crisis like a lot of others but, one thing I  promised my children was that Daddy was going to be able to make sure they always have a place to come home to. I've spoken to several BOA reps since XXXX all the way up through now with absolutely no assistance. I'm in desperate need of help with this matter please help.

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 2016-07-12
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Loan from XXXX University and I have never attended school there. A duplicate loan from XXXX XXXX College made after I left. XXXX semester, XXXX classes and XXXX {$5900.00} dollar loans. XXXX at the beginning of the semester and XXXX after I had left the school. Only the first XXXX is legitimate and has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital One hid from me the fact I would lose XXXX airline miles when I cancelled my $ XXXX membership Capital One card ( to get double miles ). Three days later, I realized I had n't redeemed them and called. They were sorry but the account was closed. But, they could offer me {$1100.00} or XXXX equivalent points for hotels thru XXXX. I took the latter. However, upon redemption of my " points, '' identified on the card in dollar amounts I discovered any balance or remainder was forfeited or lost. Using a {$200.00} card, for example, if the charge was {$90.00}, I lost {$110.00}. The remainder was forfeited by Capital One/XXXX without my knowledge or agreement. 
These XXXX companies have attempted to defraud me of approximately {$600.00}. 
Fortunately, XXXX CC is aware of these companies. 
Fundamentally, the equivalent value is somewhat skewed. 
XXXX airline miles, taken from me without my knowledge, is worth much more than was was offered me by Capital One. 
They have defrauded me along with their partner, XXXX. 

To add insult to injury, XXXX, partnered with Capital One, have charged my credit card account for additional funds without my knowledge or approval. 
As soon as I notified my CC company, XXXX, they almost chuckled as they immediately agreed with me, fraud. 
No questions asked. 
Apparently these XXXX companies have a reputation for this sort of thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that 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 immediately, or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach, and may have gotten into the hands of the wrong person.

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 2015-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
Capital One did not update my new address or phone number correctly. They failed to call or send my statement for three months. The reason I found out was because I was denied a loan for purchase of car. I called Capital one, and they admitted the above and stated they would wave late fee, and contact the Credit people to update that the delinquency was their error. I paid the bill, and they said I have to follow up in 10 days. My question is will my credit be justified, and how long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}

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 2017-08-16
Company: Professional Debt Mediation, Inc.
State: FL
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:
XX/XX/XXXX ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX {$1200.00} I sent this letter to them they have not gotten back to me. XX/XX/XXXX PROFESSIONAL DEBT ME XXXX XXXX XXXX XXXX, FL XXXX Dear PROFESSIONAL DEBT Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that PROFESSIONAL DEBT send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by PROFESSIONAL DEBT to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX XXXX Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that XXXX XXXX send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by XXXX XXXX to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL 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 2015-07-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is noting that XXXX of the account son my report were charged-off. I have submitted to them proof multiple times showing that these XXXX accounts were NOT charged-off, rather they were settled. However, Experian is NOT correcting the erroneous reporting and is therefore ruining my chances to get approved for new mortgages. It hinges on those accounts being reported correctly as settled, versus being charged off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America accepted my mortgage for modification but I rejected their offer. Now when I make a full payment on my mortgage, they do not apply it to my loan but instead hold the money as a " XXXX '' until the payment is late and apply a late fee to my account. This has occurred for two consecutive months beginning when I rejected their offer of modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
bank chg a XXXX late feeI call wanted to get the XXXX processing add this would of got there in 3 days for pymt to process from where I live. 

cust ser did n't know it so they gave me XXXX add which took 6 days to process from where I live. 

This cause a late chg

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CBA of GA, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a joint account with my son that was compromised by fraudulent activity. My son was a victim of identity theft and his account accrued unauthorized charges. A report was made to USAA to rectify the situation, but instead of providing us with outstanding customer service, we were treated like the CRIMINALS. I along with my son and his mom called into the customer service for USAA on several occasions and received horrible service. Each time we called in we were put on hold for hours at a time, passed along from person to person and department to department without anything ever being resolved. I have spoken to supervisors who promise to get back with me within 48 hours and I never hear from them, I am so frustrated with the poor excuse for leadership and customer service that USAA has. Since 2012 my account has been compromised 5 or 6 times and USAA has yet to resolve the issue. I have asked on several occasions to close out and reopen my accounts but they assure me that nothing is wrong. Now I 'm stuck with a {$400.00} bill for fraudulent charges that were n't properly investigated by USAA. There customer service is HORRIBLE!! VETERANS BE WARE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA has blocked access to online website as well as closed my checking and savings as well as prohibited me from opening new ones. They have picked an arbitrary date for me to be able to get out of punishment for executing my constitutional right to file Chapter XXXX. The further discrimination and harassment for such a long time following a major financial decision is intolerable. The XXXX-year time-out that USAA puts in place is nonsense and prohibitive to people trying to maintain or re-establish their financial lives following the major decision to file Chapter. USAA 's practice of this method of punishment to the military community it serves needs to be addressed. I had no choice but to file for Chapter after my divorce or face financial ruin. I can not even have a savings account. It is absolutely absurd. No other bank does this and thankfully XXXX XXXX XXXX has been a wonderful plan B, so even if I can switch I do n't know that I will because of how USAA treats their customers.

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 2020-09-29
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. I have already disputed this debt in writing in XX/XX/2020 with the company and they did not validate this debt as belonging to me. It was removed from one credit bureau but still remains on the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion and XXXX  are fraudulent on my following accounts : XXXX XXXX XXXX  is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on my Account Number : 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 2015-07-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian shows charge off as status every month for XXXX months. Should only report as charge-off for XXXX month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MN
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:
Equifax reporting an inaccurate credit score for me on XX/XX/XXXX dropped-37 points everything is being paid and on time, all my other credit agencies are good. I checked on XXXX XXXX and also XXXX XXXX and saw it had been dropped by no fault of mine. I see on the news others have been impacted as well, falsely reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery made several false and misrepresenting information. Stated once I pay the debt it would be marked as paid and closed and after about XXXX days would be marked for deletion. However, this is not correct. They also say once they update it, it's up to the credit reporting agency to update it. After reaching out to several of them via XXXX and CFPB, it was clearly noted that once the data is received it is immediately processed and updated. Please refer to the complaint XXXX which clearly stated such from XXXX, XXXX, and XXXX. Also, I am providing a copy to show that not only did they lie and be deceptive, they intentionally did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo is not disclosing my pay information to   XXXX   in a timely manner.   XXXX   needs to receive notice that I was paid before it allows me to withdraw funds on a current pay period. Repeatedly, this has not happened until 4 or 5 days after I received my paycheck direct deposit.

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 2016-10-21
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
XXXX from XXXX called saying I was going to be summoned on XXXX counts of fraud with check n go and has called family members who are not associated with payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Dave Operating, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX XXXX  XXXX XXXX, Member FDIC d/b/a XXXX Dave XXXX closed my account unexpectedly today XX/XX/2022 without notice for apparently violating their terms of service agreement and would not disclose the nature of the closure for security purposes. The email to, I XXXX XXXX XXXX at XXXX stated that we've had to close your account and terminate your Dave Membership effectively immediately, accounts can't be reopened. Dave has a Cash Advance service that allows users to advance a portion of their next paycheck in advance for groceries or other related expenses. What was Dave 's reasoning for closing my account, as I made all my payments on time, including subscription fees. Dave had no apparent reason or authority to cancel my account out of the blue in its unjustified unwarranted practice, is Dave justifying its actions on closing consumer accounts based on account activity such as spending, atm withdrawals, etc.?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Do you know how many years and times we tried to get USAA to do the legal thing. XXXX Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only main USER and XXXX XXXX was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. USAA wo n't remove him and they illegally put him on their out of spite. This I find gross neglect and highly illegal. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.

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