BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Usaa unfairly closed my account due to fraud which i did not commit and vague basis so now they sinister ways closed my account for good without merit or evidence and just assume i abuse and fraud their account and just misunderstanding the account the operator told me to close credit card and get a new card not knowing she was leading to the wrong direction on how to handle card fraud she told me to. Close account anyway just to be safe and the bank think I was misleading them which I did not intend to do because they saw the other transaction I admit I did but was confused on the other transaction so I followed the USAA operator and I closed the credit. Card to get new XXXX and now they closed my account because of fraud and mismanagement so that was unfair and unjust I 'm so frustrated now they gona close my bank accounts too and not do business with me all because the lady told me to closing knowing full well there was a big chance USAA will close the account it was disrespectful for a banking institution to do that at their discretion without credible reason and evidence it 's sad and unfortunate and it right now they want to no longer with. Me I. Ca n't even dispute. My them all in deaf ears it 's so rude too

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My former home is in the foreclosure process. The property has XXXX liens against it - the XXXX with XXXX and the XXXX with USAA. I am trying to complete a deed in lieu with XXXX, but I ca n't until the lien with USAA is settled and released. In my negotiations with USAA, USAA is being slow and/or unresponsive. It is taking them XXXX days to respond to my offers, increasing the likelihood that XXXX will do a judicial foreclosure and USAA will end up with a lower settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid a mortgage off on my home and the Bank refuses and/or failed to cancel the lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I noticed a suspicious looking charge on my USAA Mastercard. The details are : Merchant or Business Name : Virtual OfficeAmount : $ XXXXTransaction Date : XXXX XXXX, 2015. 
I contacted USAA to report this as fraud. USAA did not do any investigation. USAA said I was present in New York when this transaction happened. I was not in NY and have not been anywhere near NY in 20 years. I sent USAA an affidavit proving that I was not in New York in XX/XX/XXXX. USAA did not provide any receipt or anything to show that I personally made this charge. No signed receipt was provided. 
Under the Consumer Protection XXXX, I believe consumers are not liable for fraudulent charges. 
My complaint is that USAA is violating that charge by holding me responsible for something I did not buy. My requested resolution is for USAA to deduct the {$71.00} from my account. USAA did not even change my credit card number as I requested in XX/XX/XXXX. Their customer service is very poor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

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: 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 information incorrect

Complaint:
XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report, this is a violation of my consumer protection rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
For the past year or so, I have had my American Express account set to autopay the full balance from my checking account, through Amex 's bill pay feature. I changed that to pay only the minimum due, as I decided to carry a balance for a time. The XXXX payment was NOT taken from my checking account, and when I called Amex they told me that " the change can take two months to be effective. '' I immediately paid the minimum due, and while on the phone with the representative asked to correct the issue so that my autopay made the minimum payment due by the due date. This change was made by the representative while we were on the phone. 

The change the representative made was wrong, however -- and the XXXX payment took the entire balance, over {$8000.00}, from my checking account. I tried unsuccessfully with my bank to stop the payment, but when that did n't work I talked to Amex on the phone, who said once the payment had cleared they would accept my request for a refund of the excess payment. 

I called the next day, and asked that the excess be returned to me via ACH to my bank account. They agreed and said it would take " a day or two. '' Wednesday, five days after the initial payment was incorrectly taken, I got a message from Amex that they were unable to electronically process the payment, and were sending a check instead. Via electronic chat, a representative assured me that the check was sent " within 24 hours of my request, '' that they could cancel the check and issue ACH, but that it would probably be quicker to wait for the check. 

Friday, now XXXX days since issue began ; I have still not received the check and the online representatives could offer no better explanation than " the check is in the mail. '' My account shows that the balance has been adjusted to my account as of XX/XX/XXXX, but still no indication that the refund has taken place. Clearly anyone who said " it 's on its way '' prior to Wednesday was being untruthful. No responses to my requests for check number or postmark date. Supervisor " XXXX '' offered Wednesday to " personally follow up via phone '' no later than Thursday -- to no avail. 

I believe American Express has deliberately and systematically taken steps to delay their return of my funds to use my money in the " float. '' As of XX/XX/XXXX I am now incurring interest on money they have yet to return to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/TransUnion/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00} TRANSUNION : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} AXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00}

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 2022-07-20
Company: PENTAGON FEDERAL CREDIT UNION
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am reporting this complaint for my mother XXXX XXXX. XXXX is XXXX XXXX XXXX and lives in her own home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In late XX/XX/XXXX thru XX/XX/XXXX she was contacted many times my XXXX XXXX. They contacted her to try to sell her a money making internet business. She was told she would make hundreds of dollars a day. XXXX has a computer, and has learned to look at her e mail, but has not learned any other computer skills. XXXX XXXX told her it was not necessary, that she could pay them $ XXXX and they would help her get money deposited directly to her bank account. XXXX is on social security and has a reverse mortgage on her home. They referred her to Pentagon Federal Credit Union for a loan that they gave her over the phone with an e mailed electronic signature. She send me all the documents that she had on her XXXX mails and I can find no loan documents. She paid XXXX XXXX {$5.00} k on XX/XX/XXXX from her debit account. Pentagon Federal Credit Union deposited $ XXXX into her debit account at XXXX XXXX XXXX on XX/XX/XXXX, she then wrote a check from that to XXXX XXXX XXXX on XX/XX/XXXX. 
I contacted XXXX XXXX for and refund and was denied. I will continue to try to get that back. I have reported to FBI, BBB, & FTC, and am reaching out to all agencies that might be able to help. 
I disagree with PENFED for loaning this amount over the phone to an elderly woman without asking any questions. I do not know how she will pay them back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on of Complaint : My account was hacked and I had a large amount of transactions transfered out of my account via zelle fraudulently, I waited hours multiple different phone calls with Huntington to figure out what's going on file a dispute etc. Was told I'd get my money back within ten days, six or seven days go by, I get a letter in the mail. They are claiming these transactions were sent from my IP address, so therefore they are not fraud. And their logic to just assume because my IP address was used ( which they have given no proof of ) that they will just ignore my case and say it's not fraud is unlogical and criminal. DO NOT BANK HERE, the support is disrespectful you will wair hours on hold every time u try to contact them, and they will not protect your money from fraud. Huntington has allowed, over XXXX $ to be stolen from me. And I they are leaving me zero options besides, have my lawyer file the papers and pursue this legally. 

If requested I can get the dates and ammount of each transactio, the bank already has this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Clear Debt Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
In XXXX of 2014 Credex started harassing me. They called me at my job and left embarrassing and threatening messages on the voice mail. I work as a messenger and travel thought out the hospital where I work. My work phone is in my office and when I am away from my desk the caller can leave messages on the office voicemail. I am not the only one who has access to this voicemail. My co-workers, supervisors and members of the Human Resources Department have access to those messages. 

The fact that Credex would leave messages informing people that I owed a debt to them was bad enough but the kind of messages they left made matters worse. They called me names and referred to me in derogatory terms, they threatened me with arrest, jail and garnishment. They threatened to inform my supervisors of my debt and their debt collection activities to have me fired. I asked Credex to stop calling me at work but they paid me no attention and continued to call me there. 

Credex also called me on my cell phone and left messages I counted 21 calls and messages on my cell phone. They also called me on my home phone. XXXX my home phone and dell phone are on the do not call list. These calls did not stop until my attorney filed a lawsuit. 

My case against Credex was filed in XXXX XXXX Ohio Common Pleas Court Case No. XXXX. Credex new of the suit because they contacted my attorney about the case. They, however, did not file an answer in the case and the court granted a default judgment against them for {$21.00}, XXXX as damages and {$2500.00} as attorney 's fees. 

I have not been able to collect this judgment because Credex is located in XXXX, N.Y. and I have not been able to find a New York Attorney who will handle this case for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone, unknown to me, purchased from Conn 's Home Plus. In the process of their purchase, my cell phone number was given or was entered incorrectly in Conn 's system. I have verified with Conn 's customer service that the account in question is not in my name nor did I cosign for it. Conn 's turned the account ( with my cell phone number ) to collection via XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX has contacted me by text eleven times asking for contact. I have written them twice attempting to correct it and have XXXX stop contacting me. ( Please see the attachment. ) ( 1 ) I do not owe a debt to Conn 's Plus nor XXXX. 
( 2 ) I have requested them to stop contacting me. This has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a collection company I saying I have to pay them. Someone used my name and I filed a police report. The item I believe there revering to is an item that is charged off on my credit which its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is a follow up to the complaint I submitted on XX/XX/2021. Despite me making a payment on that date, Nelnet continues to show my account as past due. My payment is due on the XXXX and I logged in on XX/XX/2021 to make a payment and my account is showing past due and when I select the link to make a payment, I get an error message. I have screenshot both the past due message and the error message, attached. Prior complaint number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received letter from XXXX XXXX XX/XX/XXXX, letter explained on XXXX, servicing from XXXX XXXX XXXX be transferred to Selene Finance LP . Received letter from Selene Finance on XX/XX/XXXX, explaining transfer of my loan from XXXX XXXX on XX/XX/XXXX. I have been on a forbearance plan due to Covid for XXXX, XXXX, XX/XX/XXXX, I requested 3 more months, XXXX, XXXX, XX/XX/XXXX, it was approved. XX/XX/XXXX, I called XXXX XXXX and advised the day was last day with them to call Selene. Attempts Selene for one week every day, I want to start paying my mortgage starting XX/XX/XXXX, calls dropped. I called XXXX XXXX requesting assistance with Selene and they called transferred my call to Selene. XX/XX/XXXX spoke with XXXX, I advised her I need to make arrangements to pay my loan starting XX/XX/XXXX, she replied I do not have your Mortgage Loan file yet in the system so I cant help you, you need to call back in a few days. 
From XX/XX/XXXX XXXX XXXX to XX/XX/XXXX, Selene has no documents of my loan, bad servicing. Selene mortgage loan number is XXXX, Ms. XXXX advised that was my new loan no. Bottom line neither XXXX XXXX or Selene Finance cant help me to reinstate my loan from forbearance to a new mortgage payment, I am requesting to apply money from forbearance be applied to the end of my mortgage year. I want to start payments on XX/XX/XXXX. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MO
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:
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX CRP ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016, XXXX  XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}, ACCT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$98.00}

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 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Hello, My credit card payment is due on the XXXX of every month. I logged in to pay on XX/XX/2020 and they had already added a late fee even though my payment was not yet late. Then, a couple days later, interest was added to that supposed late amount. I have payed my monthly balance off on time and should not have acquired a late fee OR interest for the month. I tried calling and waited on hold for an hour and a half only to be hung up on, twice. Capital One does not provide an email for support, which means my only other option is to hand write a letter and mail it in. I do not have faith that I will receive any kind of response using the mail-in method. It seems as though the company is intentionally making support difficult/unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation