BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On   XXXX   XXXX  2017  I was approved for the new  USAA  "  Limitless ''  rewards credit card. USAA 's website promotes the card as earning 2.5 % cashback and says about the card " Enjoy unlimited cash back on the amount you can earn. '' They clearly named the card  Limitless  and indicated that it offers unlimited cash back.     On   XXXX   XXXX    2017  USAA closed my Limitless credit card as well as my older Visa rewards card with them.  USAA  also provided notice that they would close my checking and savings accounts with them in 30 days on   XXXX   XXXX  2017   .     The letter informing me of the closure of my  USA  A Limitless  card said that it was closed due to " unacceptable behavior or activity, '' but did not elaborate, nor would the phone rep I spoke to on   XXXX   XXXX   , 2017  when the  Limitless  card was declined when attempting to make a purchase with it.     I am left to conclude that this " unacceptable behavior or activity '' is that I charged too much to the credit card between the date it was opened and the date USAA closed my account since there was no other significant account activity with my other USAA accounts during that period. I am frustrated with this result and hope that USAA will reconsider their decision and reopen my accounts with them. Having been a customer for over a decade I had previously been very satisfied with USAA and am disappointed that they appear to be misleading members in how they 're choosing to promote their new credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I spoke with Sallie Mae regarding my student loan repayment options and requested an alteration to the length of the loan to reduce my monthly bill. However, they did n't even think for a second, and simply said " No, we do n't do that. You owe what is on your monthly statement. ", then asked if I wanted to make a payment. When I said that I did not want to make a payment at that time he said have a good day and hung up. Because the federal government has decided to let student loan providers XXXX anyone trying to better themselves they apparently do n't care at all about their clients once they have you on the hook. They know that there are no available options for people like me, legal or otherwise, to even get help on handling this debt. I did n't ask them to forgive my debt, and I was trying to offer a way I could pay them back, but since they are above the law they know they can just tell me to XXXX and simply garnish my wages. I am now in a situation where I am having to consider filing for bankruptcy. If Sallie Mae could work with people there would n't be so many individuals in default on loans, but I know I ca n't do anything about this debt, so I have to see if I can do something about other debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I received a a loan from Check N Go on XXXX/XXXX/2015 for {$250.00} and a loan on XXXX/XXXX/2015. The XXXX/XXXX/2015 I think I applied for but the loan on XXXX/XXXX/2015 I don ; t remember asking for and if I did the loan from XXXX/XXXX/2015 was outstanding, therefore why did they grant the XXXX loan if the XXXX had not been paid. On XXXX/XXXX/15 Check N Go deducted XXXX payment from my account of {$150.00} each. On XXXX/XXXX/2015 the loan company deducted {$310.00} from my account. When I checked my account I realized that It was a check created without my knowledge and my account had been charged @ {$200.00} for NSF. My bank is XXXX XXXX XXXX, located in XXXX XXXX, California. The loan company states that they called me at least XXXX times and called me place of employment @ XXXX times and I do n't remember any calls, and definitely did not hear from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MD
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:
When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well.

I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 XXXX XXXX XXXX XXXX XXXX OF 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 reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is violation of my consumer protection rights.

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 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was foreclosed on in 2008. I feel as though I was a victim of fraud, discrimination, scam, and robo signing. The lender in question is Courntrywide Home Loans, now known as Bank of America. I begged and pleaded with this lender to work with me instead of working with parties involved whom were intercepting my information. Till this day I have no knowledge of how all of these terrible things have taken place to displace us of our home. End resulting of the bank working with this ring whom end resulted in purchasing my home from the bank for {$500.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My complaint is more of a concern with legality of fees and interest charged on my private loan with Navient ( FKA XXXX XXXX ). In short, in XXXX I took out a private loan for {$7000.00} with XXXX XXXX ( now known as Navient ), the loan went into repayment XXXX XXXX to which the balance was then {$12000.00}, since this point and to date I paid {$140.00} per month ( {$8400.00} so far ), my balance as of today is {$9400.00} which makes my payments toward the principle total {$3800.00} - so I paid {$13000.00} plus, and counting, for a {$7000.00} loan ( XXXX + XXXX = XXXX ). The loan matures in XX/XX/XXXX, so at this rate it appears I 'll be paying well over {$20000.00} in interest for a {$7000.00} loan ; how is this any different then the practices of payday loan and title loan lenders? 

Navient charges me a variable rate, which online it says 10.500 % ; I may as well charged {$7000.00} on a credit card then get a loan that I thought would be better then using a credit card and with better rates. 

Also, this {$140.00} amount I pay is more than the minimal payment, so what they do is push my payments back to the corresponding month for 'over payment ' ( i.e. if I pay {$280.00} in XX/XX/XXXX, my next payment wo n't come due until XX/XX/XXXX ) - today I can make payments in months payments are n't due, they just push next payment due back to corresponding month of over-payment, my concern is that their calculation of interest owed is n't in favor of me, the consumer, paying the loan off early. Also, at one point they did n't allow you to make extra payments ; at least online - that 's how I 've made all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, I am a XXXX resident who has multiple XXXX and XXXX student loans with Navient ( formerly with XXXX XXXX ). I have been making extra payments on these loans, in hopes of paying them off early so that I can save more for retirement. In order to pay down my balances as quickly as possible, I have been paying off the loans with the highest interest rates first. 

Navient has been misapplying my payments. Each time that I begin making extra payments on XXXX loan, they do apply the extra payment to that loan. But then they advance the due date for the loan that I am paying early, and reapply my regular monthly payment across the remaining loans. They do this in spite of the fact that each time I make an extra payment, I select the option for them NOT to advance my due date. This means that I am paying more interest each month. 

When I asked Navient why they were misapplying my payments, they said it was because my loans are in " groups. '' They said they could ungroup the loans, but given my past dealings with them I am concerned there will be consequences to doing this that they are not disclosing. I do not think Navient should be able to use this " grouping '' practice to end-run around the requirement that they fully apply extra payments early. 

I have attached an example. If you look at this payment history, you can see that as soon as I began making extra payments on this loan, Navient stopped deducting my regular payments on the loan. If you look at the statements for other loans in this group ( most of which are at a lower interest rate ), you would see that they 've spread this regular payment across the remaining loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank of America issues introductory rates of 0.00 % interest. They would show that interest rate and expiration date of that rate in a certain part of the page when viewing your transactions. Near the end of your introductory rate that effected all purchases, they would offer 0.00 % on balance transfers. They would stop showing when the 0.00 % expired for the first period and only show the second period. The only problem to me is that this is on the exact same part of the page that previously showed the introductory rate. This seems like an unfair and deceptive practice. I was charged interest because I thought that the introductory rate was still on that part of the page.

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 2020-04-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal accused me that I owe them money from another Paypal Account that was opened fraudulently the negative balance was {$440.00} I'm a victim of Identity theft!!! I filed a Identity theft complaint to the Federal Trade Commision included is the fraudulent claim Paypal Account was opened in my name. I also contacted the Consumer Financial Protection Bureau about the Fraudulent account and how you withheld money from my account without my consent due to Identity theft. I forwarded all my documents to my lawyer, If the limitations and my money isn't released expeditiously I will sue PayPal and take Paypal to court. This is not a threat or intimidation tactic to gain access to my MONEY. Looking forward to hearing from you and this issue will be resolved without legal action!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Travelex NY, Inc.
State: OR
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Returning to the XXXX I exchanged XXXX at the Travelex XXXX at the XXXX XXXX Airport. The buy exchange rate posted was XXXX XXXX $ per XXXX. Rather than multiply that rate times XXXX ( XXXX XXXX XXXX = {$230.00} XXXX, the person at the counter divided XXXX XXXX = {$210.00} XXXX. I was shortchanged {$19.00}. I recognized this at the time ( I am an XXXX so I know these things ) but did not say anything because I had to catch a tight flight connection. My suspicion is that the person at the desk or her manager or maybe even the company does this routinely as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: AR
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:
PLEASE BE ADVISED THIS IS MY 2ND AND FINAL ATTEMPT IN TRYING TO RESOLVE THIS ISSUE. XXXX, XXXX, AND EXPERIAN WAS NOTIFIED OVER 30 DAYS AGO ABOUT THESE FRAUD RELATED ACCOUNTS DUE TO IDENTITY THEFT BUT YET HAS IGNORED MY DISPUTE. ACCOUNTS XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, WERE ALL INCLUDED ON MY MOST RECENT IDENTIITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION. ALL THREE OF THE MAJOR BUREAUS OR CONSUMER REPORTING AGENCIES HAS NEGLECTED THE FAIR CREDIT REPORTING ACT SECTIONS 605B, 609, AND 611. I HAVE NEVER RECEIVED ANY MONETARY RELIEF, MONEY, GOODS, OR SERVICES ASSOCIATED WITH THESE ACCOUNTS, I HAVE NO RECOLLECTION OR RECALL OPENING ANY OF THESE ACCOUNTS WHAT SO EVER. THESE ACCOUNTS HAVE BEEN THE DIRECT RESULT OF IDENTITY THEFT AND I HAVE BEEN A VICTIM. I HAVE ALSO INLCUDED FRAUDUELNT ADDRSSES THAT HAVE YET TO BE UPDATED OR REMOVED AS PER MY REQUEST 30 DAYS AGO. THIS IS A CLEAR VIOLATION OF THE LAW AND THE BUREAUS MUST BE HELD LIABLE.

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 2017-05-21
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have a Satisfaction Of Mortgage Dating Back to  XXXX / XXXX / XXXX  Recorded in Register of Deeds In   XXXX   Wi. The Doc.Id as our Current Lender stated Not a Chase Loan, I found out in  XXXX  that this Doc.Id. Was a  XXXX   XXXX   XXXX   Loan Paid in Full as  of  XXXX / XXXX / XXXX . A letter  Dated   XXXX   XXXX  states that. From  XXXX   XXXX   XXXX  Ca. My Last Info is a Satisfaction Of Mortgage From  XXXX  Recorded on  XXXX / XXXX / XXXX   XXXX  Fee {$30.00} in the  Register of Deeds  office in  XXXX  Wi. Tax. Id. Correct.   Property Location Correct.I have a Certified Copy From the Register Of Deeds. Under our Wi. Statute  706.05 { 10 } And 706.05 { 10  } { A } If You Received a " Satisfaction Of Mortgage '' endorsed with a time, date and document number From a Register of Deeds Office. '' The Nothing Further needs to be Done '' " The Above Facts Are True in My Case ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Santander Consumer USA Holdings 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: Old information reappears or never goes away

Complaint:
A Santander auto loan was already on my XXXX file as a derogatory mark for seven years. 
The auto loan account fell off my file several months ago once the seven year marked had been reached. XXXX will not remove the account from my file as I had previously disputed the dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charged over draft fees for transactions that were covered. I called to to them and they explained it was because of transactions that were covered yesterday I explained that has nothing to do with the pending charges that are covered. 
I have took pictures of my account when I was online and talking to the rep at the same time. The supervisor continued to talk in circles and would not refund my {$72.00} for XXXX charges that were covered. They literally just stole my money and and tried to justify it by saying it was the pending charges that were not posted and they were covered too, with the deposit that came in today. I am sick of this bank charging me for fees and moving money around to make money. I was told by a a manager at a local branch that fees were charged based on anticipation, as well I told her that was unfair and unethical and if money is in there to cover transactions then a fee should not be charged. I want my {$72.00} back and I will not be banking with Suntrust anymore. They did n't used to do this and all of a sudden they find a way to always get money from me. Always moving money to get a fee maliciously. This bank needs to be exposed for their repeated theft from my account based on anticipation.

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 2016-10-07
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In an effort to conserve on high cost of cable I searched for alternatives and replacements for renting the monthly cable boxes. I found the company XXXX XXXX through a google search. I called the number and left a message as directed by the voicemail, about two weeks later a man named XXXX called me back. He talked very convincingly about his cable boxes and the high cost of cable bills how I could reduce my cable bill by buying my own box.The box was to be plug and play I was excited as I wanted to save some money. I agreed to pay {$130.00} for a cablebox. On XXXX, 2016 a digital CHECK # XXXX cleared for {$130.00}. When I received teh box it was not plug and play and required a card from the cable company. I called and XXXX agreed to take the box back. I sent the box back on XXXX XXXX, 2016 after receiving a XXXX and the product was received shortly thereafter. XXXX was to send me a new device within a four weeks. When the new device did not arrive I called and emailed XXXX. XXXX did not respond. I contacted the XXXX XXXX XXXX XXXX responded it would keep the information obtained from my complaint as part of its ongoing efforts to identify businesses that may engage in patterns of deceptive practices. Suntrust refused to offer any assistance filing a dispute as described in its XXXX XXXX, 2016, letter. The SUNTRUST fraud investigator did not identify itself responded that SUNTRUST was under no obligation to me to pursue any actions to recover the $ XXXX letter did not adequately address my concerns as it related to deposits. SUNTRUST should be able to dispute a digital check or any withdrawal that describes SCAMS like this. I want to submit documents to be posted for the public to see how XXXX XXXX is and how SUNTRUST refused to offer any consumer protection.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with neither am I liable. I do not have a signed contract nor any type of contract with. I have the right to demand and see the contract between and myself! Please send the proper validation

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 2021-10-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account and will not help me getting it back up and going. I am not sure if this is some some mistake as I assume it has to be. I have been not able to get help from them for days but I just remembered that I could file a report on here and I feel they are not doing there job properly and it is affecting me a great deal as I used paypal quite frequently. My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation