BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i received an email offer from USAA that stated if I setup direct deposit of XXXXand it totals XXXX or more o would receive a XXXX cash incentive XXXX. I accepted the offer prior to the deadline but it would not work correctly on the website. XXXX I called and spoke with several representatives and was told that there were issuew with the website. So I explained to the rep what I called for and I was INFORMED THAT DUE TO ME ALREADY HAVING A SAVING ACCT with them that I do not need to setup a new checking acct I can setup my direct deposit to my current savings acct and I would qualify. The rep assisted me in setting up the direct deposit. I called back a few days later and spoke with a rep and they confirmed that everything was setup correct and I am qualified for the incentive. When I did not see the deposit at the time I was informed it would be in my acct I called the bank that then I was told I do not qualify for the XXXX incentative. 
I have spoke with over XXXX representatives about this issue and no one wants to honr that I was given incorrect information and that they should honor what was told to me. I asked the representative can they pull up the recorded phone conversations and all of them stated that they have no way of retrieving the conversation. I am not the only customer with this issue of being told incorrect information. If you look at there XXXX Service Board there are other individuals that are upset about being given incorrect information and not receiving there XXXX dollar incentive as promised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The company said they mailed forms to me a post office box address which I never had. when I became aware of the issue in XXXX 2015, the representative asked me questions about the account and VERIFIED that the information on the account did not match my address, email and phone number. So she advised me to update my personal information so whomever opened the account would not be able to access it. The Rep. gave me a address in Georgia which i never was a resident of so I gave her my current address which was XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX. The date that account was open, I had no access to any kind of communication due to the fact that I was in basic training for the XXXX which I sent in the info the USAA proving that I was n't able to open a account. A couple months after I initially became aware of the account, I reported it to USAA fraud department, who said that my address and contact info matches which was XXXX XXXX XXXX ( The address that they updated not the original address used when the account was opened ). I do not believe that I should be liable for a account I was n't possibly able to open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: CONDOR CAPITAL CORP
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan with Condor Capital Corp since 2012. Occasionally I paid my loan late but I was never late more than one month. By court order Condor Capital has been dissolved and my loan ended up in hands of ... That the problem. I do n't know who my current lender is. Condor 's website redirects me to blank, generic log in info. When I log in with my previous credentials I see my personal information but under account information there always is message : '' No accounts available to view ''. 
I repeatedly send emails to contact info and made multiple phone calls ( XXXX ) always answered by voicemail. Except XXXX generic response via email, none of my request was answered, including multiple requests for payoff statement. I mailed XXXX payment to XXXX XXXX XXXX under " Contact Us '' info ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). My check was cashed within 4 days of mailing form XXXX. There was no endorsement on the back and still no response regarding any statement, balance, account information. 
I really do n't know what to do at this point. I have no problem with paying for my car but since Condor Capital was shut down for defrauding its customers, I refuse to make any further payments without being able to oversee that the payments are being applied correctly and my balance is where it should after 3 years of payments. 
I would really appreciate your advice and help in this matter.

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 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have some accounts on my credit report that are not mines. I can not dispute online per Trans union. Trans union is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX XXXX, shows on credit report as a charge off not XXXX but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Bepensa Capital, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Back some time ago XX/XX/XXXX or XX/XX/XXXX I went passed a car dealership called XXXX XXXX with my at the time boyfriend who was trying to purchase a car. I was going to help him out with getting the vehicle but was unable to due to my credit not being the greatest. They gave another alternative of putting a big lump sum of money down and to my knowledge he nor I had all the funds to even meet their requirements for the down payment or loan. I never recall setting up an account and if an account was set up it was definitely had to be his responsibility because I was told I did not qualify. For some years now this company has been harassing me with phone calls threatening to come to my home and job for payments. I even on several occasions have told them do not call my phone anymore because not only will they call and hang up continuously without even saying anything. Their tactics are way too aggressive and have also called my family ... my older brother who I have NEVER lived with or used as a reference, they have called his wife 's place of employment and left messages for me on her phone, they have contacted my step dad who lives in XXXX and I reside in XXXX, they have called my mother, and at times that they have done so I would n't even hear from them. They have left messages that if I do not call them immediately they will issue a summons for arrest following a court proceeding. I disputed this company with all XXXX credit agencies a couple years ago and they were removed off of all my reports except for XXXX, they are continuing to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: MONEY SOURCE, INC., THE
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted a workout package to The Source Money the servicer of my mortgage on XXXX/XXXX/15. After 2 months under review they are telling me that they can not do anything for me. I am a XXXX and I XXXX which left me XXXX from doing my job. I used my sick time, vacation time, but I have run out of it. My family is willing to help so I can pay my mortgage at least {$1200.00} per month for the next 3 months. After that I will be going back to work. The representative at the loss mitigation department XXXX XXXX is not helping and he is very aggressive. stating that it is not their problem if I can not make payment. I never planned to get sick while working. It is my full intention to keep paying my home. But I need some help. XXXX XXXX stated that because I have an FHA loan it is very difficult. I just need a break while I am getting better. I submitted them a copy of my doctor 's examinations that I am XXXX, I am recuperating slowly. Please help me. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Here is the email I got from Cash Advance collectionfrom XXXX XXXXXXXXXXXX & gt ; Find Your Warrant Copy : XXXX which will be going to release on Monday evening XXXXThis is the XXXX final chance for you. 



This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is the XXXX final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



CASE NO : # XXXXAmount Outstanding $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 



Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

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 2016-05-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2016, I called my bank, USAA ( XXXX ) to initiate a stop payment on an {$800.00} check for the reason that I had already made the payment over the phone which was significantly less than expected. The check was to be sent by USAA to a credit union ( XXXX XXXX XXXX XXXX ). According the USAA representative, the stop payment was initiated successfully. 
However, on XXXX/XXXX/2016, while looking at my account, the check in which the supposed stop payment was successfully initiated had indeed gone through anyway for the {$800.00}. This caused my account to go into the negative, and initiated an automatic {$400.00} cash advance from my credit card in order to cover the cost. I then called USAA to ascertain why the check had gone through even though a stop payment was initiated. I was told that the representative I had spoken to on XXXX/XXXX/2016 made an annotation on my account in regards to the stop payment but did not actually initiated it as requested. The representative then kept apologizing but told me that there was nothing they could do as the check had already cleared. So here I am left with a negative account balance and a cash advance on my credit card which could involve substantial fees and the only recourse I receive from a bank in which I 've been a member for almost XXXX years was simple apology for their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Company Continues To Report Inaccurate Reports To My Credit Report Even After Reaching Out To The Creditors And Letting Them Know About Me Being A Victim Of Identity theft! My Sibling, Deceased Father, & Another XXXX XXXX Had Stolen & Was Using My Credentials And Is Reported And Disputed This Matter And Accounts And Etc With Usaa Several Times as well as XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: ALLY FINANCIAL INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank is charging overdraft fees on the exact same days that they are posting my deposits on my account. I DO NOT HAVE NEGATIVE BALANCES ON MY ACCOUNT. I called and complained to the bank representative about this issue. He CONFIRMED that the bank was charging overdraft fees on the days that they post my direct deposits. KNOWING THIS, he refused to refund the fees.

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 2015-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. XX/XX/2014 they marked the payment late for 30 days when they received it on time for credit reporting on XX/XX/2014. Yet the statement shows received on XX/XX/2014 and processed XX/XX/2014. Something similar happened in the next month. The payment was due on XX/XX/2014. However that date was on a Sunday. XXXX processed on the Monday XX/XX/2014. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX I refinanced my XXXX Mortgage Loan that originated in XXXX. I paid XXXX all required fees to complete this process correctly. Today I am selling my house and will lose this sale because XXXX failed to close the XXXX Loan once it was refinanced. The Closing Lawyer and myself have submitted the Lien Release request via email as instructed on this XXXX loan now in XXXX! Capital One took over XXXX. I went in person to Capital One. The only way to submit this request per Capital One is via email. I am not allowed to talk to a person! We will lose this sale which is suppose to close on XXXX/XXXX/XXXX because Capital One can not complete this request minimum 10 days to 3 months. The lawyer has provided the loan number and all necessary documentation! I can not believe with today 's technology that Capital One will not fix XXXX 's error within a timely manner! This should have not happened since it was suppose to be completely in XXXX and I paid all required fees and signed all required paperwork making it was done correctly. I am not getting any help or a person or person 's name that can help me with this time sensitive manner. The only response I get is an automated email saying they received my request! Capital One is not too concerned that the bank they took over collected fees and did not do the work. In other words they stole my money. Should they have legally provided services for something that was paid for and paperwork was done to complete the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Sir, Currently, I 'm living in abroad ( XXXX ) for a short period and moving to US soon. I was given understand that there are few credit card accounts are charged off and there are fraudulent transactions are appearing on the account statements. In this context, I tried to extract credit reports/statements from credit card reporting and monitoring agencies like TransUnion, XXXX etc from XXXX. Unfortunately, I 'm not able to access reports and it is showing up as 'location issue '. I 'm trying to access these reports from XXXX ( Abroad ) and it could be the reason for not getting these reports. As I 'm moving to XXXX soon, kindly send those Credit reports to the following address in USA as I need to fix this issue before arriving in to USA or to my e-mail ID : XXXXXXXXXXXX. 
XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXXXXXX

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 2016-04-07
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
MY WIFE WAS CONTACTED ABOUT AN XXXX XXXX XXXX DEBT IN THE AMOUNT OF XXXX. AFTER VERIFYING ADDRESS AND I HAVE XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, REPRESENTATIVE XXXX FROM SUNRISE CREDIT XXXX, WENT ON TO LET HER KNOW THE CALL WAS BEING RECORDED AND INFORMED HER THAT THIS WAS AN ATTEMPT TO COLLECT A DEBT FOR XXXX XXXX XXXX. MY WIFE TOLD THEM THEY SHOULD NOT BE SPEAKING WITH HER ABOUT THIS AND ASKED WHY IS THIS BEING CHARGED AS IT IS CHARGES FOR SERVICES I DID NOT RECEIVE. I HAD OUR CELL PHONE SERVICE WITH XXXX AT THAT TIME. AFTER SHE ASKED THIS, XXXX DISCONNECTED THE CALL.

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 2016-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One was not clear about their promotional offer for 0.0 % APR for 18 months. I just bought a house and was going to use the offer as a free loan to buy all the furniture I needed for an empty house. After spending XXXX in one month, I received a bill for the " Purchase Saver Amount '' for the full amount ( or I would pay interest ). When I signed up for the promotion, I was under the impression that I would not have to pay any interest on future purchases for 18 months. After an online chat and a phone call with Capital One, I was informed that the offer only applied to balance transfers and did not apply to future purchases. Not only would I not have signed up for the promotion whatsoever had I known that it was only for balance transfers, but I also would not have spent XXXX in one month! I saved the promotional email which is deceiving. It explicitly states " Want to avoid paying interest on new purchases? If you accept this offer, you can avoid interest on new purchases. Pay the Interest Saver Payment ( your minimum payment plus all non-promotional balances, including purchases, cash advances, fees, and finance charges ) by the due date each month, and you wo n't pay interest on new purchase transactions '' I do n't need a promotion to pay my credit card balance in full every month. I can do that without jumping through hoops to sign up for their promotion. This is the most deceiving fraudulent experience I have had in a long time! This deceptive tactic tricks users into signing up for a promotion where they believe their problems are over and they will have 18 months of no interest, so that after the users ( who probably would n't have spent the money anyway ) rack up a massive credit card bill, they tell you you must pay the entire balance to avoid interest! Truly unethical. This practice needs to be stopped. Companies like this are why the average American is in XXXX of debt. I lost {$300.00} balance transferring the amount away from my Capital One card onto other credit cards that " actually '' are giving me 0.0 % APR. I will be closing my account ASAP. Thank you for your time.

Company response to consumer: Closed with explanation