BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XX/XX/XXXX USAA LETTER FRAUD CLAIM INVESTIGATION RESULTS. Claim # XXXX card end XXXX XXXX XXXX   date Purchased XX/XX/XXXX {$120.00} XXXX XXXX Credits {$120.00} Applied. XX/XX/XXXX No temporary credits ( the credit we deposited at the beginning of the investigation have been reversed ) XX/XX/XXXX USAA LETTER FRAUD CLAIM INVESTIGATION RESULTS Claim # XXXX card end XXXX XXXX Purchased on XX/XX/XXXX. XXXX Credits Applied XX/XX/XXXX {$210.00} ( the credits we deposited at the beginning of the investigation have been reversed ) XXXX Credits {$210.00} XXXX recieved XX/XX/XXXX BOTH paid By Merchants before statement closed XX/XX/XXXX They were returns & only on card few days USAA LETTER XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XX/XX/XXXX card end XXXX ( we previously issued temporary credits to your account in the amount if {$470.00} The temporary credits have been made permanet ) attatched is statement of XX/XX/XXXX I have called 24 times since these XX/XX/XXXX Letters Asking WHAT DATE DID THE USAA CREDITS APPLY? NONE WILL ANSWER There are No Temporary credits There are No Permanet credits Applied at the beginning of the investigation of XX/XX/XXXX, 23, Reps tell me I have to believe them I got the credits MY STATEMENT DOES NOT SHOW AND TWO LETTERS ARE NOT EVEN FRAUD ONLY ON CARD A FEW DAYS BEFORE MERCHANT CREDITED This totals {$810.00} worth of credits I NEVER RECIEVED. THEY ARE NOT ON MY STATEMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The problem I am having is with Best Buy Credit Card. Currently I have an overpayment on my account, in the amount of {$2600.00}. How this occurred, is that my wife and I made payments on our account to avoid interest on 0 % interest purchases we made with Best Buy, that were coming due soon. While in the meantime, we refinanced our house ( XXXX 2021 ) and used our equity to pay off credit card debt. In this process, the title agency issued my wife and I checks to send to our lenders. 5 in all. In doing so, this has caused us to inadvertently have a large overpayment with Best Buy. In trying to rectify this issue, I have called numerous times requesting that the funds be returned to me. Across all of these calls, I have at times been required to provide further information about the overpayment. Only to find that Best Buy Credit Card Company has flagged this as fraud. I have been more than willing to provide any requested information, both verbally over the phone and via fax. Yet I am still being treated as though I am a criminal and I am very worried that we may struggle getting our money back. I have been a long time customer of Best Buy and their credit card company and have had no issues in the past. Any help in this matter would be greatly appreciated. The attached documents are what Best Buy Credit Card Company has requested that I fax them, which I did on XX/XX/2021. As you can see, they represent, my account information and the overpayment check from our title company.

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 2020-01-11
Company: Jon Barry and Associates, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX, XXXX TN for {$100.00}. I responded that I disputed the collection attempt because I had never received an invoice from XXXX Hospital. They responded with " proof of debt '', {$99.00}, that had a name that matched mine but no address, phone, DOB. I took the documents to the XXXX XXXX of my family doctor to inquire if I actually owed them anything. They found in their system that I owed them {$2.00} which I did not need to pay. They gave me the phone number ( XXXX ) of XXXX lab and imaging billing which I called, they found me in their system and stated I had no outstanding balance. They transferred me to a separate billing dept. which stated the same. I sent XXXX a letter with this information and never received anything from them after. Then in XX/XX/XXXX, over a year later I received a collection letter from Paragon, XXXX NC, for the same disputed debt from XX/XX/XXXX. I responded to them, they responded by sending me " proof of debt '' for {$100.00} that had a name that matches mine, incorrect phone number, no address, no date of birth, etc, and they reported this as " bad debt '' to the credit reporting companies. As instructed by my attorney I am now reporting this to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to get cash from my chase account through ATM machine. I request 20 {$20.00} bills and 1 {$100.00} bill, but got 5 {$20.00} bills and 3 {$100.00} bills. Malfunction machine gave me not only wrong bills and also wrong money amount ( XXXX XXXX  dollars less ). 
I called chase in the same day XX/XX/XXXX ( claim # XXXX ) .After this I found on my account 2 transactions related to this incident : DateXX/XX/XXXX DescriptionReversal : ATM WITHDRAWAL XXXX XXXX ALLER ClaimId : XXXX ( ... XXXX ) Amount {$100.00} DateXX/XX/XXXX DescriptionClaim reversal : ATM WITHDRAWAL XXXX XXXX ALLER ClaimId : XXXX ( ... XXXX ) Amount {$100.00} It looks like no real investigation was made ( if its possible to get 100 % proof amount issue by ATM ), just its imitation by formally follow procedure. 

Please help me to resolve this problem. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13
Company: Avant Credit Corporation
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
There are several issues which i have documented. Firstly, the amount I was charged was incorrect. Second I tried to pay numerous times over the phone and could not. I was hung up on and the line was disconnected. Since then the rates and terms have changed monthly. I was offered a better rate and took it and was charged MORE. It took 6 months for anyone to respond or get back to me. I have had to file XXXX XXXX complaints in order to get a response. I was given credit for fees and then they were rescinded. I was told they have been applying my payments incorrectly and added MORE to my account. I have had it for two years and made my payments regularly ( when they would answer the phone or accept them. They wouldnt take mail checks ). I recently tried to call to pay again last month and was told that my account was being researched and she couldnt accept payment. Every month I receive an email statement and mail paper statement. They never match and the money amount owed is always different.I recenely recieved an email stating i owed more because they had made a mistake, it makes no sense. No one fixes things and the terms are not what I agreed to nor am I being contacted when they change. They are just adding illegal fees for their mistakes and lying when i call to ignore. I called the back who believes they are committing fraud and stopped them from taking monies from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Stearns Ventures, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a 100 % property tax exemption in XX/XX/XXXX due to a 100 % XXXX. Our state sent a copy of the XXXX balance/exemption to our mortgage lender. We sent a copy to our mortgage lender beginning XX/XX/XXXX as they still showed an upcoming disbursement for taxes. The normal distribution schedule is in XXXX and XX/XX/XXXX. We received no feedback. We called on XX/XX/XXXX and were told to send the documents again. We sent them and were advised that the company would verify with the state and call us back on the XX/XX/XXXX. We received no call by XXXX so we called. We were advised that our request would be completed by the XX/XX/XXXX. We asked to speak with the tax department and were advised they do n't interact with customers. We asked to speak with a supervisor and was informed one would call within 24 hours ( I am still waiting ). We called back on the XX/XX/XXXX and were told no changes and to call again the next day. We called on the XX/XX/XXXX, no changes but were told again they need to contact the state. I again requested a supervisor and was told one would call back in 24 hours ( although you could hear the supervisor coaching the representative response ). This is a common mismanaging of our escrow funds as we are always in arrears because they did not accurately record tax and insurance bills. We have 5 days until this company is scheduled to disburse money we do not owe and that the state will not refund.

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 2020-01-11
Company: Westlake Services, LLC
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Freedom Mortgage to confirm that if I paid my loan down to less than 78 % they would stop my mortgage insurance. They confirmed and I did. It was n't gone the first month, or the second so I called back. They said they would submit a request. I assured them this was n't necessary, as at 78 % they do n't have a right to decline a current loan ( never missed a payment ). After a week a MI specialist called back and said that I needed to submit a written request ( nope, see the Homeowners Protection Act of 1998 ) and that they could keep my MI on the loan all the way down to 75 % at their discretion ( nope again, HPA 1998 ). This greatly concerns me because this is the view of a MI specialist so they are probably doing this to everyone. There was a very very clear guidance from you guys last XXXX about this type of shenanigans. ( http : XXXX ) Please contact this company and have them change the way they do business.

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 2020-01-11
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: Account status incorrect

Complaint:
They never removed my bill i paid off on my credit reports and they kept a bill on my account that turn in that was fraudulent

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 2022-06-16
Company: ACIMA CREDIT, LLC
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:
account was paid off XXXX.my credit report shows a balance of {$720.00} which I never owed spoke with XXXX supervisor at acima ( business name ) XXXX and he said there was NOTHING HE COULD DO he agreed the account was paid off XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Preston Clark & Quinn
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Preston Clark & Quinn ( XXXX XXXX ) in XX/XX/XXXX regarding a debt for a charged off credit card from the XXXX XXXX. I established a payment plan with them to resolve the debt, and made 2 payments on XX/XX/XXXX ( from two separate accounts ) to settle the debt in full. The company never sent me a paid in full letter per the verbal agreement, and has been unresponsive to phone calls, voice messages, and email requests for the debt settlement letter or contact information. The original creditor recently started to withdraw money from my military pay in XX/XX/XXXX, which is how I discovered that XXXX XXXX defrauded me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
TransUnion Re : XXXX XXXX Acct # XXXX Delete this account for reporting inaccurate information on date of first delinquency.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : - XXXX XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX, XXXX ; ( Inquiry ) - XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX  XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX  XX/XX/2021 ; ( Inquiry ) - XXXXXXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX  XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 XXXX ( Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( XXXX ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX, XX/XX/2021 ; XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, Account # XXXX ; {$2800.00} ( XXXX ) - XXXX Bank, Account # XXXX ; {$3000.00} ( XXXX ) XXXX XXXX Bank, Account # XXXX ; {$3500.00} ( Transferred ) - XXXX Bank XXXX Account # XXXX ; {$4500.00} ( Transferred ) - XXXX XXXX ( not my XXXX XXXX - XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS ) 15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without written instructions.

Please remove from my report.

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 2022-06-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In an effort to acquire a home loan, I was attempting to pay off all collection accounts on my credit report. I contacted Columbia/Genesis Recovery to make an honest effort to pay this off. I told " XXXX '' that I was very willing to pay this debt and wanted to pay them {$200.00} to {$300.00} per month. 
He told me he could take some of the interest off but he needed the balance in full today. 
I also asked him if I paid the payments would it show on my credit report that I am making timely payments, he said it wouldn't show on my credit report until it was paid in full. 
He again refused to take my payments. 
Today I received a call from a " document delivery '' service from the same phone #, this was obviously an attempt to serve me papers for this account. I am at a loss as to what I can do and feel that it is unfair and unethical for them not to take my payments when offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Some used my debit card number at XXXX XXXX several times I contacted PNC bank and told them what happened I was issued a new card and they reversed the charges totaling {$130.00}. I was contacted by PNC via mail telling me that their investigation was completed and that they are going to debit my account {$130.00} in which I'm responsible for paying. I don't understand why I have to pay for these charges that was never authorized by me in the first place. I did not authorized charges totaling {$130.00} to my card this is ridiculous. PNC did not protect me instead I'm being penalized for something I did not authorized I am highly insulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a BK that we discharged XXXX XXXX XXXX at the time, I was approved for a loan modification to make extra payments over 6 months to bring my mortgage current. i have since made XXXX payments and my mortgage is current. My loan was transferred to Freedom Mortgage in XXXX. 2016. Freedom mortgage is holding my payments and not applying them to my balance. They told me they were waiting for there underwriter to release the funds but in the meantime I am getting foreclosure notices. They are also charging me fees to have inspections done on my home to make sure I have not abandoned it.

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 2015-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX XXXX we used bank card to pay for car repair {$280.00}. My husband was going to transfer from savings to checking but forgot. At the time we had {$1400.00} in savings and the accounts are joined together and we have overdraft protection. Well we were not notified and we kept using the card and for every transaction they charged us {$37.00}. We now have overdraft fees in the amount of {$1100.00}. This while time no one transfered the money from savings and the card was able to be used. We went in Sat XXXX XXXX to make a complaint to the manager and he said it was above what he could do and he would email his regional manager and call us on Tues. Well he never called and we found out that someone had authorized all of our savings {$1400.00} to be taken out and they too his paycheck of XXXX and some change to make our account a XXXX balance. Well I called Friday to find out why no one had gotten back with us and still no answer. We feel that we should pay the fees from our mistake but they should not have take all of our money to which we now can not pay car payments rent to our house and all other bills that are due tomorrow. My husband went back this morning and still nothing is being done. Please if you can help us that would be great. My husband researched and found that in XXXX other states 5/3 bank has lost cases due to insufficient fund issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: CURO Intermediate Holdings
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Speedy Cash XXXX sends me emails threatening to and stating they have activated a warrant for search and seizure, complete with a docket # and citations of supposed Constitutional law. As well they assert that I will be contacted by local authorities and threaten consequences if I do not contact them in a limited time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, I received a notice of the claimed debt from AMCOL Systems, a copy of which is attatched. I never gave them permission to communicate with me to begin with. In this notice it was stated that AMCOL Systems was a attempting to collect a debt ad AMCOL Systems is a debt collector. 

On XXXX, I disputed the notice as a informed consumer who knows his rights and the Federal Fair Collection Practices Act and Fair Credit Reporting Act related to consumer privacy and statues. I instructed AMCOL Systems to cease collection of the debt. 

On XXXX, I received another notice from AMCOL Systems stating that they were closing the account. 

On XXXX, I sent AMCOL Systems an Affidavit of Truth stating everything that occurred and the violations of my rights as a consumer. The total amount of monetary relief was also stated in this affidavit with a time frame to resolve this matter.

The actions of Amcol Systems of violating my rights as a consumer is not a small matter. By them closing the case is an act of admittance constitutes a civil liability on part of AMCOL Systems and I am invoking my consumer right to specified remedy. Im demanding compensation for each violation of federal law by AMCOL Systems of {$8000.00}

Company response to consumer: Closed with explanation