BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been a customer of USAA Federal Savings Bank for the last 15 years as my primary online bank. I have multiple products with them : checking and saving accounts and XXXX credit cards. I have never had any issues with them nor defaulted on any of my financial obligations. On XX/XX/XXXX, as I started to use the mobile app that I frequently use to access my accounts, a threating message was displayed that said if I didn't take this survey, all my access to the app will be revoked ( I don't have the exact verbiage, but it said take this survey or else ). The survey was a combination of intrusive personal questions about my income and how much money comes in and out of my account ( which by the way USAA has full access to ) and about a dubious product called XXXX for money transfers, which I am not using and will never ever use, as it has a bad reputation in the marketplace. No explanation was given as to why this survey is being forced on me and also what triggered this threating and coercive tone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted about a debt on a XXXX XXXX XXXX bill. 

I handed in my XXXX XXXX XXXX modem and box to the store and confirmed my bill was settled on the account. 

Credit Management sent me a bill for this. It now has been reported on my credit report as an uncollected debt. It has lowered my credit score by greater than 100 points. 

How can I get this removed?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Several times I. notified PNC bank that i dont want a debit overdraft coverage. and the bank used to charge me a debit overdraft fees,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: AR Resources, Inc. (FL)
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through.

Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, I am an unemployed Californian that receives his payment via debit card. Since first receiving my card approximately a month ago, it has been blocked three times, all without notice of any kind.

This has caused embarrassment and a scramble to pay bills.

The first two times I called, I was able to get the card unblocked with minimal problems and both times received promises that it would not happen again, and if it did, BOA would notify me.

Both those promises were untrue. The third time I called, I was placed on hold for an hour and then given a full " Know Your Customer questionnaire. '' In my frustration, I made two mistakes that I clarified but was told that it was too late and that I must go to a branch with two forms of identification, which is ridiculous and inconvenient. This whole process is so bad that I wonder if BOA is deliberately making it so. Whether or not they are doing it on purpose, they have effectively cut me off from needed funds three times in a month. And are now making me jump through hoops to get it 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 2021-06-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested and placed my home loan into forebearance in XXXX of last year. At the time I had just brought the loan current XX/XX/XXXX. I called my servicer to end forebearance and reinstate my payments in mid XX/XX/XXXX. I asked for a partial claim/ junior lien . The service rep on the phone kept asking would I liked to try for a no doc COVID loan modification. I said if it would lower the payments that would work great. At that time I was denied a COVID loan mod or partial claim and told I had to submit a full application for a regular modification and wait for approval. I called FHA to verify that I qualified for a partial claim, and called my servicer back. I was again denied and told it was because I was 30 days late on XX/XX/XXXX. I sent the information I received from FHA via email to my servicer. I have made more five phone calls, they continue to insist I fill out a loan modification to be considered for a partial claim. On XX/XX/XXXX I received a letter stating my options are refinancing, a loan modification, forebearance or foreclosure. They put a letter on my account saying I defaulted on a trial payment plan, I never applied for or was told I was approved for? I am scared they are trying to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Sterling Infosystems Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently was disputing the time in which Sterling is reporting a criminal case on a consumer report. as well as the Method in which they verify. 

Sterling responded back stating that there was no database and that they used name date of birth with a former Florida drivers license. 

I am requesting to see the verification. XXXX, based on the word of someone isn't verification. Sterling has many cases of inaccurate reporting as well as their methods of verification. I understand it is not entirely their fault due to the overwhelming inquiries how ever, Automation sometimes needs to have a person take the time to look at specific cases. 

Please provide proof of the method of verification which was used. 

The re-aging of accounts is a Violation of my consumer report. 

By law, it does not go by the date of disposition it goes by the date in which it happened. 

There are many cases where someone has a debt that was charged off and in collections or paying or communication triggers re-establishment of an account, but that is not the correct procedure. That is considered re-aging of a consumer 's information. 

Attached is the previous complaint that I made. And the response was not in compliance with the law. 
Complaint # 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 2017-04-12
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a public interest attorney and have been on the income based repayment plan ever since in XX/XX/XXXX. I have not missed any payment because of the Loan Repayment Assistant Progam that covers my monthly payment. 
For the year XX/XX/XXXX, I was late with recertifying my Income Based Repayment plan for 3 weeks ( the deadline was XX/XX/XXXX, but I submitted my recertification request on XX/XX/XXXX ). I missed the deadline because I was not aware of the deadline. My lender sent me a notification prior to recertification deadline twice via email only, but I was not checking the email account since that email account had been hacked previously. Now I just learned my interest has been capitalized and the principal loan amount increased as of XX/XX/XXXX. I called my lender several times to understand why it happened, and each time, different representatives gave me mixed answers- one told me it was because I was on forbearance, which I was not even on at that time, and someone else to me that it was because I made too many {$0.00} payments. I was not convinced with those reasons, and still called the lender several more times, and I got the most convincing answer that it was because I was late with my recertification request. I agree that it was partly my fault that I was late with recertification request, but the consequences of it, which is capitalization of interest, is too harsh for one negligent act, which was not intentional. I have been talking to my lender if I capitalization of interest can be undone in lieu of payment of penalty, but the lender says there 's nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: JH Portfolio Debt Equities, LLC
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been recieving phone calls from XXXX for about a week daily yesterday i answered the call on the XX/XX/XXXX they explained too me i owed money for medical! so i paid the amount after a manager named XXXX said he could lower it due to hardship, originally it was XXXX he lowered it to XXXX XXXX charge and XXXX a 2nd charge .. to my card! after i checked my records and saw that none of my medical dets are listed under the same creditors i knew they were frauds! i have called over 20 times all night till morning and they hang up on Me!! today is now thre XX/XX/XXXX and it is XXXX ; XXXX XXXX i have been calling for8 hours and i get hung up on each time? ive stopped my credit card but my card company says they will get the money because i gave them my #, but they were dishonest to get it how do i get my money 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 2022-08-26
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX and I have an issue with Navient. I requested a refund on my payments made from XXXX through XXXX when I paid off my loan, I didn't realize these loans were in forbearance and I didn't have to make the payments. I researched and found out I can receive a refund for these amounts paid. I called Navient and spoke with multiple employees and they told me I'm unable to receive any refund, but they couldn't give me a reason why. My number is XXXX, please let me know if you need any additional information. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: EQUIFAX, INC.
State: NY
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:
Credit reporting agencies of Equifax, XXXX and XXXX are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Tuesday XX/XX/XXXX, my car a XXXX XXXX XX/XX/XXXX was repossessed by Fifth Third Bank. I purchased the car from XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fifth Third Bank claimed there was a lien on the car from the previous owner. I have a lien release from Fifth Third Bank stating that the loan obligation was paid. My loan is with XXXX XXXX XXXX XXXX and XXXX has a lien on the car. I have a copy of the title in my name with XXXX as the lien holder. I 've made several attempts to contact Fifth Third Bank trying to resolve the situation. They refuse to speak with me due to the fact that I am not a customer of them. I 've spoken to the DMV regarding this matter, but they can not help with this issue. The bank also refused to speak to a legal attorney XXXX XXXX, who has sent several notices to them regarding this matter. I am currently paying a car note and insurance for a car that is not in my possession. I tried to cancel the insurance and registration but it can not be done without the license plates which Fifth Third Bank has refused to hand over, along with personal belongings which was left in the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX sent doctumentation to dispute debt. Never recieved notice before placed on credit report.. I have subitted proof numerous times of not owing this debt. asked numerous times for proof of alleged payment on this debt.. ( check? credit card? what bank? ) because i NEVER made a payment on a debt I didnt owe.. False bills .. current charges when I havent lived there in over 4 years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: States Recovery Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX phone from XXXX. As the phone was defective, I ended my service with XXXX by a phone call to customer service and returned the phone.At no time did they say I would have a following bill, and if I did have one, assumed they would auto pay from my credit card on file as thats how billing was set up. With no preceding bill or email ( even though I continued to get emails on other subjects almost daily from XXXX ) XXXX  sent my account to States Recovery Systems , Inc, a debt collection company, showing an overdue bill of {$40.00}. I called XXXX immediately. When she could refer to no email showing a bill, she waived {$10.00} in late fees. 
They hadnt charged my credit card on file, as their system wont process through the credit card after service is ended. On XX/XX/XXXX I paid {$30.00} via credit card on the phone. I received an email from them showing the waived late fees, the credit card payment, and showed my balance as XXXX. On XX/XX/XXXX and XX/XX/XXXX XXXX and States Recovery both said States Recovery had not been notified of my payment in full. On XXXX I received XXXX emails from XXXX, XXXX ( XXXXXXXX XXXX XXXX saying they couldnt accept my payment ( even though my credit card was charged and not refunded ) and one ( XXXX XXXX XXXX  acknowledging the payment and that my balance was XXXX. I did dispute the debt in writing and on XXXX XXXX contacted XXXX requesting confirmation on the status of the debt. As of XX/XX/XXXX, they have had no response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: VA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Ad Astra Recovery Services Inc
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:
I have disputed this account with XXXX, XXXX, and XXXX various times, so we 'll see what the Creditor has to say. Original Creditor XXXX XXXX XXXX XXXX XXXX ca. It 's not my account, I would like to see proof that it is, according to the Fair Credit Reporting Act I 'm entitled to proof that it 's mine. I want to see the contract with my signature on it. At the time when this supposedly happened I was in nurses care recovering from a major XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: NY
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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.

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 2018-03-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just received notification that this account was added to my credit report. I did not receive a dunning letter..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX, TD Bank debited {$250.00} from my newly opened ( XXXX ) checking account ending in # XXXX. TD indicated a line item, " DEBIT, XXXX Claim XXXX. '' TD Bank will not provide additional information about this debit to me. 

This issue may stem from the initial account opening on XXXX when TD Bank, rather than showing my initial {$500.00} deposit as pending under my actual account number XXXX, placed my initial {$500.00} deposit from XXXX XXXX into an account ending in XXXX. I contacted TD Bank and XXXX XXXX about this issue and XXXX investigated it as possible fraud. 

Three days later, my initial deposit showed up in my TD account ending in XXXX. TD Bank ( XXXX XXXX ) said that the " Fraud Claim '' is the reason that TD took {$250.00} from my account XXXX on XXXX and closed my checking account, but XXXX XXXX closed their fraud investigation on XXXX. 

In addition to the {$250.00} that TD Bank debited from my checking account XXXX for a " Fraud Claim '' that had been closed for two weeks, the unilateral decision by TD Bank to close my Checking Account also cost me the {$300.00} bonus that TD Bank offered for opening a new checking account. 

XXXX will not provide any information to me about what happened to the {$250.00} because " XXXX has a relationship with TD Bank, not with me. '' To me, this money is simply gone. 

I have had numerous communications with TD Bank representatives who can not explain what, or why, TD Bank did other than send {$250.00} to " XXXX XXXX '' ( XXXX XXXX ). The money has not been returned to XXXX XXXX. 

TD Bank is withholding this {$250.00} and I have not been made whole. Please advise. Thank you in advance for your kind assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive attempted to dispute these debts that are on my report multiple 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 non-monetary relief