BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I filed a dispute with my credit card at XXXX and they " lost '' it saying i " lost '' my rights. Then I got a phone call saying since they found it, they would be re-asserting the dispute process. I got my money back and confirmation in writing that the final dispute had been decided in my favor back in XXXX. Then, in XXXX they are saying they are going back on their initial decision, but I was already told since they lost the initial dispute and we were still in the time frame and the merchant did not respond that the money was mine permanently. At this late date saying they went back on their final decision seems suspect -- -the letter dated XXXX XXXX, is more than two months after the final chargeback was made. It is an illegal abuse of th dispute process. The doctor lied about me and said my dispute was illegal, which is n't true. He made up something in his head that should not affect your decision. To go back on your initial decision and then hold me responsible over XXXX months later. XXXX has repeatedly lost my disputes and they admittedly lost this one as well. However, the final chargeback was issued already. This is an illegal use of the dispute process. I do not owe the {$1000.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX  {$590.00} XXXX/XXXX {$0.00} ( In collections ) XXXX XXXX  XXXX {$49.00} There are no contracts, no valid claims ... accounts were settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After filling the application online and being denied credit, I called American Express customer service on two different occasions to get a manual reconsideradion from American Express, and both time I was told no, which now lead me to believe that I was XXXX  against because I did my credit application in good faith and credit was not issued. Attached is the denial letter from American Express and another document. Furthermore, American Express claims that the reason I was denied credit it's because I have too many new bank card cards, pursuant to federal law based on the response I received from American Express, that is not a reason for me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: WELLS FARGO & COMPANY
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:
I requested a credit line increase on a credit card from Wells Fargo and specifically told them I did not want them to look at my credit report. They insisted it would not be touched. 

A letter dated XX/XX/XXXX with a XX/XX/XXXX credit score from XXXX  were provided. This was an illegal use of my credit 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 explanation
Consumer complaint received 2018-05-30
Company: Navient Solutions, LLC.
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:
Navient and Sallie Mae keep saying I got a student loan in 2006. It is not me, I was not enrolled in any school at all. I keep asking for records but they will not send. Navient will not cooperate and keeps telling me to sign up for deferments to keep off credit but I just want it deleted. It is not me, in 2006 I worked full time and was not in any school at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My US Bank Kroger rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.

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 2017-03-06
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Federal Student Loan borrowers are unable to deduct student loan interest they paid during the year if they make more than {$80000.00} per year. This rule should be reconsidered ; federal student loan interest should be able to be deducted no matter what one 's income, especially if one lives in a city with a high cost of living, is single and works in public service. High federal student loan interest rates create a burden on borrowers ; a tax deduction would ease some of this financial burden and allow borrowers to save for their futures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX I received notification via XXXX that National Credit Adjusters ( NCA ) had reported a collection which dropped my credit score by 77 points. The account NCA is attempting to collect has been in dispute for almost a year and was opened by former member of my family without my knowledge or consent. Attached are my dispute letters to the original creditor and a copy of my FTC Identity Theft Affidavit in regard to this account. Furthermore NCA made no effort to contact me about this collection and I therefore had no knowledge of this prior to today ; in fact according to the original creditor this account was sold to XXXX XXXX XXXX and I received no notification this had changed. Attached is CFPB complaint about failure XXXX 's failure to validate the debt. Also in looking at the collection as it appears on my XXXX  credit report this account shows Date Opened XX/XX/2020 and then Date Reported XX/XX/2020. This is impossible as I did not open any account with NCA or XXXX XXXX on this date. I demand that National Credit Adjusters immediately remove this collection account from all my credit bureau reports. As stated in my phone conversations with the original creditor I as told the alleged debt had been sold to XXXX and there was zero mention of NCA being involved nor did I receive any notification from NCA via mail or telephone call. I feel that this collection was placed on my credit file in retaliation to my previous complaints. As I previously stated during my phone conversations with the original creditor I was told the alleged debt had been sold to XXXX and there was zero mention of NCA being involved nor did I receive any notification from NCA via mail or telephone call. I feel that this collection was placed on my credit file in retaliation to my previous complaints. I will also forward this matter to the Tennessee Board of Commerce and Insurance. If the item remains on my credit report by XX/XX/2020 I will refer this matter to my attorney for legal recourse and will seek all damages as entitled via the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The mortgage company changed the loan terms to a more expensive loan well after it was aware of the change in circumstance that they allege necessitated the change. It seems they implemented a fraudulent bait-and-switch. 
After shopping around for loans, we went with this particular company because of they offered loan with a lower interest rate and a substantial lender credit. Apparently this loan was based on the property we were purchasing being a town home - as opposed to a condo. When we initially spoke with the loan officer, we noted that we did not know if the property was a town home or condo, and that we did n't even know the legal difference. The loan officer went with a town home when generating the loan estimate, without letting us know that the loan would be significantly worse if the property is a condo. It is noteworthy that the loan officer was viewing the property listing and the listing indicated the home is a condo. Thus, the loan office should have known the correct type of property at this time. 
Regardless, well into escrow, almost approaching the originally promised close date, the loan company informed us and sent us a revised loan estimate specifying a loan that eliminated the lender credit, now required us to pay points, and required a much larger down payment. ( Interestingly, the revised closing estimate did not compare the revised loan with the original loan. ) The loan company said that this change was due to finding out from the appraisal report that the property is actually a condo. However, the appraisal report was sent to and reviewed by the loan company 10 days before they sent us the revised loan estimate. This clearly violates the Consumer Protection Rules that any revised loan estimate having such a large change be provided to the buyer within three days of the " changed circumstance '' that triggered the change. 
We attempted many times to resolve this issue with the loan company, but they would never work with us and instead tried blaming us for the error, claiming we told them the property was a town home, which we did not. 
This process seemed to us to be a fraudulent bait-and-switch, where the loan company promised us favorable terms to effectively bait us in, and then switch to a less favorable loan when we were well through the process, knowing that we would have a very difficult time switching to a different loan at that time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I received an XXXX XXXX debit card from XXXX XXXX 's my employer, for my pay. I wanted to take money out. On XX/XX/2020, I went on the XXXX website to look for a free ATM to use with this card. The website instructed me to download an app which will tell me where all of the ATMs will be with no fees. I went to the ATM and I was charged a {$3.00} fee. when I called XXXX XXXX I spoke to a representative named XXXX who began arguing with me that I was not charged. Then she began to read my transactions with all of the ATM fees but still insisted they were not charges. She then began to explain that they were balanced inquiries not withdrawal fees therefore these were not real fees. as she continued to gaslight me, I thought maybe it would was a communication problem because her English was not good. She refused to credit the {$3.00}. I was appalled thinking as I make {$8.00} an hour at XXXX XXXX and these people are charging me {$3.00} just to use the card. I asked to speek to a supervisor named XXXX who I was met with the same argument these are not actual charges because they were not withdrawal fees they were balanced inquiry fees using the same ATM which I was instructed to go to through their app. XXXX also refused to credit me the {$3.00}. And insisted I wasn't charged any fees. Then began to read me my transactions from the card and says ATMs fees 3 times.

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 2020-03-06
Company: EQUIFAX, 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:
I identified an apartment rented in my name in late XXXX, Early XX/XX/XXXX. I notified all three Credit Bureaus of identity theft. I previously had a police report on file, but had already updated it to include other accounts opened in my name. I'd been fighting this since XXXX. Equifax has refused to remove the items from my report. Now a collection agency is contacting me regarding items that should have been blocked from my report and the Apartment is still showing on my report. Please remove and block these negative items from my report. In addition, I'm now finding incorrect addresses and name variations on my report. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and have done so for 3 years. 
Ss # XXXX XXXX XXXX Thank you for you prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Credit Bureau of Columbia, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed with XXXX and Accounts Management Svcs several times this account does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
When someone tries to access my Equifax report it is either blank or has someone elses name. I am being told i have two credit files. When I call Equifax I am given the run around. When I access my report via their site it is blank. I am being denied housing and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: TRUSTMARK CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  continues to remark that Trustmark XXXX is reporting XXXX XXXX Bankruptcy for me. I have never filed bankruptcy. Trustmark XXXX has stated to me that XXXX  must be coding their report of account being affected by Covid as bankruptcy. Trustmark has emailed XXXX  - Yet, XXXX  most recently coded it again as bankruptcy on XX/XX/2020. 

I am attaching email communication from Trustmark XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
On XXXX XXXX, XXXX a charge from XXXX for the amount exceeding {$1200.00} as well as an out of state transaction was debited from my account for a total amount of {$1200.00}. These transactions were unauthorized, the card was not in my possession. Provisional credit was granted from bank of america. Claim number XXXX account ending in XXXX. Bank of america stated I have prior history with this merchant deciding to reverse the provisional credit and deny the claim. Which is untrue, I 've never had any prior doing 's with XXXX or XXXX in XXXX, XXXX. This is unjust, and unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-03
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: Personal information incorrect

Complaint:
Ok so I did a dispute on XX/XX/2020 because Equifax was reporting the wrong demographic information for me. I pay them XXXX a month to be able to check my score an make sure everything is report accurate. I have been doing so since XXXX XXXX. So when I filed my claim on XX/XX/2020 claim # XXXX I got my result back from Equifax on XX/XX/2020 stating that they has updated my report an the invalid names an address had been removeD. So here I am thinking that I could view a updated an corrected version of my credit profile. Wrong it was not updated. So I called spoke to a agent who told me that she apologized an that maybe the site had not updated yet but she would mail me a copy of my report. This was on XX/XX/2020 I said ok they told me to check back on the site an It should be fixed. So here we are I havent received my copy report in The mail an it is XX/XX/2020 an the information online is still reporting inaccurate so I called back on XX/XX/2020 request a refund as well as for my information to be corrected I was given the run around they agent gon na tell me I need to redo my dispute. I ask for a supervisor an she gon na tell me that they were goin to tell me the Same thang an then after being on hold for almost a 1 hour she does not put a supervisor on the line she transfer me to a survey. An the calls disconnects. This was a whole mess not to mention a Inconvenience not only was I treated badly my credit profile still has inaccurate information reporting on it. all the while they sent out documentation stating they removed it. They intentional did not want to assist nor remove this incorrect information. Something needs to be done. They just done care

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Spring Oaks Capital, 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: Information belongs to someone else

Complaint:
Company has refused to erase a credit file that isn't mine. All other bureaus has erased this fraudulent credit file on my report but XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: ADP Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I am writing today to complain of the poor service I received XXXX XXXX  and the payroll manufactures on XX/XX/XXXX - XX/XX/2022. I was given a paycard to receive my money from working at the XXXX XXXX  on XXXX in XXXX Ohio. This card was blocked and my employees told me to call the manufacturers to get my card unblocked. I worked for them before, but theyre saying I worked for them under my mothers maiden name, which I dont recall doing. I called the manufacturers and was told to upload a picture of my state ID, my ssn, and upload my reference number in the description box. A week went by and in the meantime I kept calling and they kept telling me to wait. I called my employers and they said to email the payroll company with a request for mom to change my name on the card. I sent the email and then they told me to keep calling the manufacturers which I have been doing up to this point. While speaking to the supervisors, theyve been telling me to do different thing like upload the reference number in the description to uploading a picture of the reference number on a piece of paper. Today a supervisor explained for the first time after 3 weeks that now I need to upload my birth certificate or marriage or divorce papers which I dont have. All the while, after previously uploading the documents theyve told me that Ive uploaded the proper documents and that the matter will be resolved and it still isnt resolved. This is the reason why Im complaining. I have screenshots and time stamps of the emails and the last time I uploaded the documents eight days ago.

Company response to consumer: Closed with explanation