BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
RE : Complaint against USAA Federal Savings Bank ; Refusing to Allow Deposit of {$160000.00} U.S. Treasury Check Dear CFPB Representative : This is a complaint against USAA Federal Savings Bank for its problematic online-deposit policy and breathtakingly deficient service. USAAs behemoth bureaucracypersonified by its process-over-people, systems-over-service apparatushas become too big to assist a lone customer. Thus, Im turning to the CFBP for help. 

As your agency reviews this complaint, please recognize my honorably-retired-veteran status and afford any protections the CFPB might confer to similarly-situated consumers. 

Turning to the complaint, succinctly put, this is what happened. On XX/XX/21, I called USAA to ask if I would be permitted to mobile deposit a forthcoming U.S. Treasury check for about {$160000.00}. Bank employee XXXX assured me USAA could definitely take care of it [ and I ] could definitely get the check deposited. ( Attachment 1. ) But later that dayafter I received the Treasurys check in the mailanother USAA employee ( Adrianne ) gave a 180-degree different answer, saying USAAs maximum daily deposit increase limit was {$150000.00}. XXXX added that amount is set across the board ; no one would be able to raise that limit. there are no exceptions. ( Attachment 2. ) The next day, I tried escalating these conflicting answers to a member of management for what I hoped would be a short, simple call. But between the long hold time and bank employee XXXX call screening, reaching an Executive Resolutions employee took 33 minutes. ( Attachment 3. ) By then, I couldnt wait any longer. So the check remains uncashed, and Im checking with other financial institutions. Sadly, this is what its like to be a USAA customer. 

Thus, I respectfully ask the CFPB to investigate USAAs deposit policies, employee guesswork, and escalation barriers. Thank you for your assistance. 

*** Please see attached XX/XX/21 letter with enclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXXSee attached Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA XXXX  enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2022-05-03
Company: Experian Information Solutions 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 XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am appealing a rejected dispute regarding the adjustments I should have received along with my disputed credits. I 've been receiving generic responses about this. I am disputing some charges made by Capital One. Betwee
n 8/2016 - XX/XX/XXXX you should notice monthly fees.. all of which were about {$5.00} each month described as Interest Charge Purchases. Since XX/XX/XXXX there werent any transactions. The entire total was purely due to XXXX ( disputed merchant ) recurring {$9.00} transaction that was quickly adding up but now is all voided due to my dispute with them. The total balance throughout those months would have been low.
In the adjustments received onXX/XX/XXXX labeled as Fee / Financial Charge, I only received deposits of a few cents each, all around but mostly below {$1.00}. Those Interest Charge Purchases credits should have been greater for those 11 months. Its about {$55.00} in fees that were accumulated unfairly. I only received {$15.00} from those fees in the adjustments. Meaning, I still am pending a credit of approximately {$39.00} based on fees into my XXXX XXXX XXXX.
The {$9.00} credits are for the " XXXX '' disputed transactions but I am referring to the fees. Again in XX/XX/XXXX, I was being rebilled {$29.00} which may have caused an increase in fees. " XXXX '' decided to deposit that amount into to my card since Capital One was n't crediting it even though I sent documentation with evidence that I know was received repeatedly. I 've tried to resolve this via phone, chat, and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-22
Company: Transcontinental Credit & Collection Corp
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE ALREADY CONTACTED THE CREDIT AGENCIES INFORMING THEM THAT THE INFO BEING REPORTED IS INCORRECT AND NEEDED TO BE UPDATED BUT THEIGNORED MY REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: SYNCHRONY FINANCIAL
State: CA
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:
This is a complaint regarding Lowes / Synchrony Bank store card. I have been trying to pay off my debts and resolve inaccuracies on my credit report in order to be able to gain meaningful employment and to further my studies in the era of pandemic. I am unable to qualify for low interest student loan until this derogatory is removed. 1. Lowes/Synchrony Bank sold my account to XXXX debt collector. 2. I paid the settlement amount 3. My understanding is that Lowes / Synchrony Bank would remove the derogatory record to reflect that I paid less than the full amount. 4. I have disputed the inaccuracy to Lowes / Synchrony Bank via XXXX- twice. 5. Lowes / Synchrony Bank still has not updated my file. In fact, today, my score went down XXXX point.

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 2022-05-03
Company: EQUIFAX, INC.
State: NC
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:
Account Name : XXXX Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called Marcus by Goldman Sachs XXXX XX/XX/XXXX to close my online savings account. I went through the security checks and the customer service rep informed me that she would be initiating the wire and closing the account. On Friday XX/XX/XXXX we could see that money was still sitting in our XXXX account so called to find out when we'd receive the transfer. We were told our account had been 'forced closed ' due to a break in the terms and conditions of the account, and the money in our account would be sent back to the originating bank. I asked for more details : what does forced closed mean? What terms or conditions did we break? The agent said they couldn't provide any more info. I called on XX/XX/XXXX to see what was going on and again received the same response : forced close, no further details given. I called XX/XX/XXXX to double-check I'd understood correctly and asked for the case to be escalated to a verification expert, which I had learned from a previous call may have been the issue with the account, but I was told there was no one who could take my call. I demanded that my case be escalated and the agent told me someone from the verification team would call me back. Having heard nothing, I called again on XX/XX/XXXX to be told there was no more information they could provide, but that my account was forced close and it could take between XXXX and XXXX weeks for the money to be returned. 

I am in a state of disbelief. A bank took our money and won't give it back. Having done some research online I can see that this is happening regularly. XXXX opens accounts, takes the deposit, and then won't allow the consumers to transfer their money out. I am concerned that XXXX is experiencing cash flow issues or other financial issues and wanted to flag it with the FDIC and the CFPB. 

I would desperately love to discuss this with someone. Please contact me by XXXX  or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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 for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting 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
Consumer complaint received 2017-11-01
Company: Acceptance Solutions Group, INC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
THIS COMPANY WAS CALLING BACK IN XXXX OF 2017 A PERSON SAY ING THEY GONE SUE ME THEY GONE SERVE ME WITH PAPERS CALL THIS NUMBER TO STOP THEM FROM DOING SO. THEY KNEW THE ADRESS TO MY JOB AS WELL. THEY CALLED MY HR DIRECTOR LEFT THIS HARRISING PHONE CALL. THEY HAVE CALLED ME WITH IN THE PASS TWO WEEKS NOW ITS LIKE A ROBOT THEY CALLED MY AUNT CELL PHONE AS WELL. I TOLD THEM THEY HAVE THE WRONG NUMBER STOP CALLING THEY WILL NOT STOP. PLEASE HELP ME SO THEY CAN STOP HARRISSING ME SHE SAYS HER NAME IS XXXX XXXX PLEASE CALL XXXX REGUARDING THIS MATTER. WHEN THEY CALLED IT POPS UP UNKNOWN. THEY HAVE BEEN CALLIMG ME AT LEAST 3 TIMES OF DAY. 
I TOOK A PICTURE OF MY PHONE BECAUSE I GET VM THREW TEXT SO THAT YOU WILL SEE THIS INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've made several attempts to dispute the XXXX XXXX, XXXX and XXXX accounts and the inaccurate information that's being placed on my credit report by Equifax. The accounts with XXXX are still reporting as 120 days late. But like I've stated before, these accounts are closed paid accounts with a zero balance. They are CLOSED, and they are PAID, with a zero balance. So how I can be 120 days late. It doesn't make sense. XXXX and XXXX are collection accounts, and collection accounts can not report late payments. It is a direct violation to do so. 

The credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting inaccurate information. Surely this is grounds for removal and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Skrill USA, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have sent XXXX $ using my credit card to my XXXX account on XX/XX/2020 and money has not reached my XXXX account as promised by XX/XX/2020. I tried to contact Skrill on the same week until XX/XX/2020, skrill always trying to wash their hands saying money is sent and its processed like that. by XX/XX/2020 i filed a chargeback on my credit card which didnt go well on my side. so credit card company came back and said dispute is not right. 

by this time skrill suspended my account and i have noticed skrill   got XXXX $ back in their account ( which i think it never processed to my XXXX account ). Above transaction happened on XX/XX/2020. i contacted skrill to make this XXXX $ available to my by XX/XX/2020 and they wanted my CC statement and letter from me for chargeback. i did provided on same week. even after multiple follow ups happened between XX/XX/2020 and today XX/XX/2020, skrill never tried to resolve my complaint. they keep saying they have escalated the case but never made my money available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: United PanAm Financial Corp.
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: Account information incorrect

Complaint:
I paid off car but company still showing late for month I paid car off. Its keep affecting me using my credit to buy a house or refinance my new car. I have called company multiple times for they can fix it and it has not been done even now and car was paid in XX/XX/2020 its XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Rodenburg LLP
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2019 send letter requesting details on what is owed and communication between medical facility that I provided for reason of disputed amount due. Medical facility failed to response to letters/notes or return with email. Firm ( collections ) failed to response in reasonable time. Still do not know if a scam. Medical firm still failing to response to new questions on latest charge. XXXX XXXX  collection procedures violate patient rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX serviced my loan from XX/XX/XXXX to XX/XX/XXXX then sold it to XXXX. Ive included documentation showing that information. Also included the credit report that they are reporting me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 60-90 days late. Equifax is still reporting payments through XXXX of XXXX on a loan that was paid iff in XXXX. This is a huge problem. They stopped servicing my loan in XXXX. Ive disputed this 4 times with Equifax and XXXX  and no response. This is affecting my credit badly and is inaccurate, false information and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: KS
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:
the following inquiries on my credit report were not made by me. They should not appear on my report. The Bureau refuses to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing used Falsified documents to foreclose on my property. I have submitted verifiable proof of fraud and forgery in the recorded chain of title in regard to critical foreclosure XXXX County Supreme Court Index No. XXXX Their Improper assignments were recorded in the county land records offices. Improper assignments were submitted to the Court in support of foreclosure motions Improper assignments were accepted by the Court as valid assignments that substantiated the foreclosure. The Corporation of Assignment of mortgage by Ocwen loan servicing on XX/XX/XXXX with of seller servicing number of XXXX XXXX, old servicing number XXXX XXXX is signed by Fraudulent Public Notary. Book/Page XXXX Instrument No.  XXXXThe Corporate Assignment of Date of assignmentXX/XX/XXXX between Ocwen Loan Servicing LLC and XXXX XXXX XXXX XXXX Please note XXXX XXXX Commission No. XXXX with a commission expiration ofXX/XX/XXXX in State of Iowa , County of XXXX XXXX is not valid. I have attached proof. I was foreclosed upon based upon falsified document. The bank submitted several different promissory not submitted as proof of ownership. In prior CFPB complaint, I requested XXXX XXXX XXXX to submit a copy of Promissory Note, no which appeal like ones submitted by Ocwen or its predecessors. I would as them to return ownership of my home asap. In previous complaint XXXX I am requesting document proof of servicing contract in regard to prove XXXX was my investor. Ocwen reputed my claims of robo signing. The multitude of homeowner of cases and settlements in every state proves other wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Upstart Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
UPSTART NETWORK INC is reporting that {$31000.00} is owed to them and listed as a derogatory account, yet I DID NOT open an account with Upstart Network Inc. According to XXXX and XXXX, this loan is a private education loan, yet I am not in school. I enlisted in the XXXX in XXXX, and I have been an XXXX XXXX service member since that time. I get XXXX in less than one month, and I need this rectified quickly. 

I have maintained credit freezes on all three credit bureaus, due to identity theft. Upstart Network Inc. is reporting on my XXXX and XXXX credit reports. Upstart Network Inc needs to remove the derogatory collections accounts from my credit files. I give the CFPB permission to post this publically, so other consumers can be aware of the unlawful business practices Upstart Network Inc carries out.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
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: Their investigation did not fix an error on your report

Complaint:
XXXX, Transunion and XXXX claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.

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