BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA has treated me in an completely inexcusable manner since XX/XX/XXXX/XX/XX/XXXX of this year. My phone was hacked and deposit were made between my linked bank account with USAA and USAA. I received a completely new phone. Show USAA that I had ordered a new phone and turned my old phone in still they continued to called a fraud and state that I was committing bank fraud. They told me I was lying and their representative actually had me sobbing at her unnecessary and unfunded idea that I committed fraud. After that I spoke with USAA almost constantly. I agreed to make payments to pay down the debt of {$50.00} bi-weekly. On XX/XX/2016 USAA said the account had been paid off. The statement online show this. They issued me a refund check for the amount of overage. Yet today when I called on XXXX I still did not have full access to the website. In my attempt to correct this I received at least XXXX transfers. Each transfer gave me more and more incorrect information. I was on the phone with them for a total on XXXX hour. Finally I demanded to speak to a XXXX who was able to resolve the issue. I was bounced between web banking and accounting and checking department. I was told there was still a block. I was told I needed to open another account. I was told time and time again this was the wrong department. This entire experience was made horrible my USAA who continued to ignore me as a customer. Ignore my legitimate claims that the transfers where not by me. Simply a virus that got into my phone. Even with provided proof from XXXX and my cell phone provider that I had gotten a new phone and errors occurred with the previous phone they did not listen. I experienced this same. Well it 's all your fault attitude from the company told as I explained to representative after representative that I had paid the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: AMERICAN EXPRESS COMPANY
State: IN
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:
American Express did not report my accounts as included in bankruptcy filing on XXXX XXXX so I had to file a dispute with XXXX that those accounts were included in Bankruptcy and NO BALANCE is due. ( Please review the attached document that American Express received from the Bankruptcy court. ) After my dispute with XXXX, American Express then sent FALSE non accurate information to XXXX that stated the accounts were charged off and balance due of {$13000.00} for credit card and {$6900.00} due for the other account. American Express also changed the account numbers to XXXX for credit card and XXXX for another account and reported that my year of birth was XXXX. These accounts do not belong to me and my year of birth is XXXX. 
I filed a complaint with the CFPB ( see attached complaint ) for the inaccurate information in my XXXX credit file and explained that my year of birth is XXXX and that I have NEVER had American Express accounts ending in XXXX nor XXXX. XXXX contacted American Express and then sent me a letter stating that American Express verified the information as accurate. ( See attached response from XXXX dispute ) Obliviously, this is a FCRA violation for American Express to report to XXXX accounts ending in XXXX and XXXX that do not belong to me and to report my year of birth of XXXX when in fact my year of birth is XXXX. It is also a violation of the automatic stay in Bankruptcy to report a balance due on accounts that were included in Bankruptcy. 
These errors and lack of proper investigation of a dispute have caused several problems. XXXX XXXX did an inquiry on my XXXX credit file on XX/XX/XXXX and then restricted my account due to my birth year not being accurate as they think that someone else other than myself applied for credit due to my application having my year of birth of XXXX and my XXXX file has my year of birth of XXXX. This whole mess is due to American Express reporting inaccurate information to XXXX. If American Express does not correct the erroneous information that they supplied to XXXX then I will have my attorney file suit against American Express and XXXX for violations of the FCRA and automatic stay in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Red Cedar Services, Inc
State: NM
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
The Creditor, 500FASTCASH500 PAYDAY LOANS, has continued to call me requesting payment after I have legally proved that this is a, " Thief/Fraudulent Account! '' All, " XXXX Credit Bureau, especially XXXX Credit Report, " REMOVED/DELETED '' this account after I had to file XXXX police reports and verified that this account does not belong to me. All documents were also sent to this Creditor of 5OOFASTCASH500 Payday Loan Company twice and they still continue to harass me in wanting payments for an account that has already been, " REMOVED/DELETED from my credit reporting bureaus. If I remember correctly, XXXX was the first to remove them then XXXX Credit Bureau. Please inform this creditor that this account has been disputed legally with police reports and verifying documents that I proved this is, " NOT '' my account! 
Please inform this Creditor that I was a victim of Identity Theft /Fraudulent Activity, in which this is well documented with Credit Financial Protection Bureau , ( cfpb ), Federal Trade Commission , ( ftc ), and the credit bureaus! All disputes and documents, again have been legally filed with my local law enforcement. 
All documents have been submitted and recorded with the Credit Bureaus, and I mailed this Creditor all the information as was required by me. 
" 500FASTCASH500, should have, " ALL '' the documents that were mailed to them as well as whatever the XXXX XXXX XXXX had sent them when they removed this account from my credit files. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my XXXX status and it stated that I have a balance of {$270.00} from XXXX, in which I do not have an account with, reported by XXXX and XXXX to DIVERSIFIED CONSULTANTS INC . 

I contacted XXXX customer service, which had a horrible customer service by the way, and only ended up asking for my social security and hung up on after XXXX transfers. 

I am now more concerned of the customer service representatives obtaining my social security number and on top of that a false status reported by a big company XXXX and XXXX from XXXX to Diversified Consultants Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Caliber Home Loans, Inc.
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We asked for a forebearance due to pandemic. Caliber sent paperwork saying that the entire forbearance amount would be due at end of forbearance. If the amount of forbearance was not paid they would increase interest rate and/ or start foreclosure proceedings. 
Caliber has had several civil law suits for illegal mortgage activity. 
We have an immense issue with our current mortgage which I WILL submit when all paperwork and text are copied. 
Caliber is very difficult to deal with and takes no responsibility for fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Diversified Consultants, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls from this number via automated dialer when you call back it states please hold, then a message comes up that there is no one available. When you do pick up the call they hang up. I have called the company to advise them if they do call they will fined by law {$500.00} per phone call which is applicable. I have received multiple calls per day from this number. Which I have records of. Spoke to manager who said they will stop contact but he did not ask for a number to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Another consumer and I had a transfer with USAA. Where the other consumer transferred XXXX dollars from his account to mines and had me withdraw it and give it to him. Without me having any knowledge of me knowing that it was a scam. Then a few days later my account went into overdraft of XXXX dollars. USAA reported me to XXXX for mismanagement of my account. 
I feel that this is unfair because USAA should have not let the transaction go through if the other consumer did not have the legitimate funds. I paid of the debt and i was still reported to XXXX. and as of right now i am not able to do business with any other banks. i would like this issue to be taking care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Medical Data Systems, Inc.
State: AE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For years, XXXX  adds collections account to my credit report for medical bills that do not belong to me. I am in the XXXX and I received medical care in the XXXX base through XXXX. I am station in XXXX and I have not reside in California in years. California is where the original creditor is located. These are collections from different collection agencies, such as Medical Data Systems INC, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 

This has been ongoing, and every time a collection account appears in my credit report I dispute it and it gets removed. However since the last two years, I have had issues with getting them remove. The results from Experian come back as the account is verified and remains in my credit report. 

This happen last month, and three accounts came back as staying in my credit report. I had to call Experian to be able to dispute them again and I also contacted the collection agencies, Medical Data Systems INC, and CMRE via phone. Apparently, my social security, matches someone else 's who is using it for medical care. However, DOB, Name, and address are different. I provided a copy of my credit report, a copy of my Social Security Card, a copy of a FTC report, and a copy of a police report. Two of the accounts were removed but the following account still remained : Medical Data Systems INC for {$5300.00}. My last contact was a phone call in XX/XX/XXXX, where I was told the Supervisor was not in the office and I needed to call later, and emails sent to them on XX/XX/XXXX and another on XX/XX/XXXX following up, without receiving a response. 

Because this continues to happen through the years and through different collection agencies, I believe the problem is the original creditor. Which seems to be always XXXX XXXX XXXX, which includes XXXX XXXX XXXX XXXX which also shows in some of the accounts. I requested a copy of medical records to XXXX XXXX XXXX, and I receive a letter from the records custodian saying that there are no records in my name. 

This situation has become extremely frustrating because I am in the military and I can lose my military clearance for having collection accounts in my records. Other, than this, my credit report is excellent. I have no issues with XXXX  or XXXX, only with XXXX, but unfortunately, this is what most creditors used when evaluating your credit report. I was recently deny credit because of this, and it is frustrating and embarrassing because good credit is always one of my priorities. 

I need help ensuring, this remaining collection account is removed from my report, but more importantly to ensure that this does not happens again. I have deal with it for years, and I am exhausted. 

Thank you!

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 2015-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Please see the following case numbers XXXX. 
# XXXX - # XXXX USAA finally gave me new credit cards and re opened my accounts. However, I was told that I had a " collection '' code attached to my new cards and I would not be able to use them. The company is so big that the person who opened and made my account available did not remove the negative red flags that were attached. Again I was on the phone for hours trying to work on this yet again. More wasted time. So if my accounts are in good standing and I have never been late. Then they should now be useable. They even sent me new cards. Also, I even offered to show proof of income. I want the codes removed from my cards so I can use them. Also to make sure nothing negative is reported to my credit report. This has been going on since XXXX, XXXX, 2015.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Dear CFPB : My name is XXXX XXXX, I attended XXXX in XX/XX/XXXX-XX/XX/XXXX. Graduating in XXXX XXXX. In XX/XX/XXXX I refianced or requested a fixed intrest rate with XXXX XXXX, later Navient became that same company, for a couple of years I did not have strong income and could not repay my loans, I made smaller payments when I could and often requested a forbarence or deferment. At some point I did manage to land a job in banking industry and was able to make some consisitant payments. But unfortuantly, lack of work or under employment made it difficult for us to live and I could not afford to make my payments. The original amount of my loans at my exit interview was {$250000.00} when I consolidated with XXXX XXXX in XX/XX/XXXX it was {$35000.00} now they say I owe {$66000.00}, if I understood that is what they were going to do I would never have done it. I have XXXX, and XXXX XXXX so I have stuggled with my employement it was an achievement to just get the degree. I asked about settling this debt with them due to the fact that my husband has been working so hard, and we now might be able to due that if it was a reasonable amount, these loans are prevent us from qualifing for a home loan. I have n't worked steadly sincnce XX/XX/XXXX and even then it was only XXXX. I contacted them today XX/XX/XXXX and they refused to offer me any reasonable assistance in getting this matter handled please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
First Issue : Loan # with Chase XXXX the XXXX XXXX # IS XXXX. This is a Mortgage with Chase, which I believe has already been paid off through Securitization. Has is Mortgage or Note ever been Securitized. When original mortgage was done. The Note which is the Property of XXXX XXXX Not the banks. 
Second Issue : I have repeatedly asked that the sale date be removed because this is duel processing which is in violation of the HAMP ruled attached. This file is currently in review for a HAMP Modification with Chase and has an Escalation opened with chase and an office of the president file opened Sale date of XXXX/XXXX/2015 which is still open. 
Third issue : Single point of contact and request for Documents. XXXX XXXX has had XXXX. XXXX single points of contact and provided all doc 's requested in writing from chase. The main problem is that every time the file changes Single points of contact the information from the last Single point of contact seams to get lost and not forwarded to the new single point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: TX
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 explanation
Consumer complaint received 2020-04-14
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
In XXXX of 2019, I had inquired about a new vehicle purchase at my local dealership. I had been in contact with a formal sales representative i worked with in the past. He acknowledged that for the purchase of the new vehicle that I would have minimal negative equity and the dealership would cover the rest. On XX/XX/2019 I made the purchase at the dealership. When signing the paperwork, the sales representative did not disclose how much negative equity would go into the new loan. Also, no further explanation of how much my payment would go up and why. I had been lied to or mislead with false advertisements and word of mouth by the sales team. On XX/XX/2019 I attempted to return the vehicle back to the dealership. But had been lied to that it could not be returned when in fact it could have been turned in by a manufacturer purchase deal. I attempted to go through the company on how to return the vehicle but no response.

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 2017-02-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My XXXX, offered through Comenity Bank, offered a balance transfer offer with a XXXX % apr and a XXXX % transfer fee of all money transferred, up to my credit line. 

The offer was stated as follows : XXXX % Promotional APR* is available on eligible balances transferred through XX/XX/XXXX. Thereafter XXXX % variable APR will apply to the remaining transferred balance. ** So, although the above statement indicated that the offer was available on eligible balances transferrred through XX/XX/XXXX, when I applied for this offer in XX/XX/XXXX, I was informed that the offer expired

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
AT THE BEGINNING OF XXXX, I GOT A STATEMENT FROM MY CREDIT CARD THAT I BELIEVE IS WRONG. I PROB CALLED ABOUT XXXX TIMES, ASKING FOR A SUPERVISOR. AT ONE POINT I DID GET XXXX SUPERVISOR, WHO STATED, I HAD TO PAY THE BILL, I STATED IT IS WRONG SO WE WENT OVER THE NUMBERS TOGETHER, AND SHE STATED, SHE WAS GETTING FRAZZLED AND GOING ON VACATION AND HAD TO CLOSE AT XXXX XXXX SO SHE WOULD RESUBMIT IT TO THE ACCOUNTING TEAM THIS WAS OVER A MONTH AGO. SHE STATED I WOULD HEAR BACK IN XXXX HOURS. AGAIN I CALLED AND CALLED NUMEROUS TIMES, WITH NO RESPONSE AT ALL I WROTE THE BANK XXXX LETTERS ASKING FOR HELP, I AM TRYING TO FIGURE OUT WHERE MY CACULATIONS WENT WRONG AS I DO NOT BELIEVE I OWE AS MUCH AS I DO, AND I PAID A LOT TO COVER THIS. I HAVE NOT PAID MY BILL IN FULL AS I CAN'T STAND THE STRESS, AND ALSO WAS IN THE XXXX WITH XXXX XXXX XXXX, THE LAST TIME I SPOKE TO AN EMPLOYEE, AND WE WENT OVER THE NUMBERS VERY FAST, AND I AGREED, BUT THEN I DID IT AGAIN AND I KEEP COMING UP WITH THE SAME NUMBERS THAT I DO NOT OWE AS MUCH AS THEY SAY. TODAY I CALLED AND SAID AGAIN I WANT A SUPERVISOR FOR THE XXXX TIME, AGAIN THEY TOLD ME THE SAME THING THEY WOULD ESCALATE THIS, I DO NOT THINK ANY ONE WILL EVER REPOND, I WANT THEM TO TELL ME EXACTLY HOW I OWE AS MUCH AS I DO B/C THE NUMBERS TO DO ADD UP TO MAKE MATTERS MORE CONFUSING THEY PUT OVER XXXX BACK IN MY BANK BUT REALLY DID NOT SO THAT IS TOTALLY CONFUSING. I NEED HELP GETTING THEM TO ANSWER ME AT THIS POINT RIGHT OR WRONG I NEED TO UNDERSTAND WHY THEY THINK I OWE AS MUCH AS I DO WHEN I DO NOT IN MY MIND AND MY CACULATIONS, IF I AM OFF I ALREADY PAID, BUT I AM NOT HAPPY AS I FEEL ITS STILL WRONG AND WANT THEM TO GO OVER IT WITH ME WITH A SUPERVISOR NOT JUST AN EMPLOYEE RUSHING ME THANK YOU DATES STARTED ABOUT XX/XX/15 I HAVE WRITTEN THEM XXXX LETTERS ALREADY WITH TRACKING TO SHOW THEY GOT THIS. I HAVE CALLED ABOUT XXXX TIMES. I FEEL I OWE AT THIS POINT XXXX CENTS YET THEY HAD ME PAY XXXX AGAIN I NEED THEM TO GO OVER THE FEE NOT WITH JUST AN EMPLOYEE BUT WITH ME AND A SUPERVIOR OR THE ACCOUNTING TEAM LIKE THEY PROMISED THIS IS GOING ON WAY TO LONG. IT CLEARLY STATES ON MY STATMENT TO WRITE TO THEM AND I DID XXXX INCLUDING EVERYTHING THEY ASKED, AGAIN I AM NOT A MATH PERSON, BUT I CAN USE A CACULATOR, AND THEY NEED TO REPOND WITH A HIGHER UP PERSON NOT JUST AN EMPLOYEE THAT WAS RUSHING ME TO FIGURE THIS OUT THANK YOU

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