BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
As a minor I had a Checking Account at USAA Bank which I continued to maintain after turning 18 years old. In XX/XX/XXXX, I closed my USAA account. Bank confirmed via email and SMS message that account was closed. 

On XX/XX/XXXX, my former employer, XXXX XXXX, sent my paycheck to my old USAA account. The paycheck was in the amount of {$250.00} As of this date USAA Bank has not sent the {$250.00} to me. On XX/XX/XXXX, I wrote to USAA, via certified mail, inquiring about my XXXX XXXX paycheck. There has been no response whatsoever from USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased online worth of {$530.00} but the item was not pick up at the location. The item was returned to the seller. The PayPal reward credit card give the refund money and later on few months they take the money back and added to may balance. After that I called the credit card company and the problem was solved. This year they added to my balance the {$530.00} again and I called them but the problem was not solve. I'm tired of calling them after multiple transfer to a customer service the problem was not even solve. I kept paying and paying to lower my balance but I still owe the credit card which is the {$530.00} still added on my account. I'm tired I agree to pay last year because I cant win with them but this year no way, I need help to fix this. I'm so stressful with this issue. I already pay them and they want me to pay again. I also have some issue with them I always getting an email with receipt that I was charge from XXXX XXXX and XXXX product that I purchase something with my PayPal credit I also told them I keep receiving this kind of email, I report it PayPal credit card and I was advice to forward the email to them. Which is I normally do every time I received an email telling me that I purchase something but technically it affect me and annoyed getting this type of problem. I want to dispute the {$530.00} added to my account or I think I over paid them. I'm not using anymore the card because i want to be a XXXX balance but the way they doing this to me I cant keep it low the balance. Please help me settled this.

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 2024-01-22
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Real estate taxes are past due, company is not responding and not paying taxes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
The week of XXXX XXXX, XXXX I sent a notarized copy of the DIRECTION TO CONVEY from the XXXX XXXX XXXX XXXX XXXX to NewRez, the current mortgage holder of the property. We needed NewRez to release consent since the property is in trust so we could move forward with the closing of the sale of the property. I followed up repeatedly to check the status of the " consent. '' The reps kept saying they saw my documentation but to call back the following day. We had to postpone the closing from XXXX XXXX, XXXX to XXXX XXXX, XXXX. However, on XXXX XXXX, last Friday, a rep named " XXXX  '' advised me that her supervisor told us to move forward with the sale and that we would not need any consent. My atty who was on the call with me told XXXX the NewRez representative that the Title company required a " consent. 'XXXX XXXX spoke with a different supervisor and said, " I'm sorry but it will take XXXX more days for us to provide you with a consent so you will just have to lose the sale. '' It was disgraceful. Our buyer has graciously offered to reschedule closing for the first week of XX/XX/XXXX. Meanwhile we are unable to get any assistance from NewRez on providing us with the consent. They have all of the paperwork they indicated they needed but the frontline customer reps repeatedly state that they can't allow us to speak with the Loan Processing department which was sent our required documentation. XXXX has helped me in XXXX for another matter so this morning I'm reaching out to your team again. This makes no sense. I've attempted to reach out to the CEO via XXXX and XXXX but no one has responded. Please advise. All we need is a " consent '' from NewRez so we can sell the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have sent a recent post about XXXX XXXX, Now this One is about U.S. Bank. I took a debt consolidation loan of XXXX with them. They sent me Cashiers check and was responsible for paying off one directly. I really regret doing this as it has been nothing short of a nightmare. I sent cashiers check to all creditors to pay off in full. I only had problem with XXXX XXXX. I tried talking to U.S. Bank about this and there response was I needed to take check to XXXX XXXX directly. Hmmm... Thats what I did. I took check straight to XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Nebraska. I handed it to gentleman in customer service, and received a receipt paid in full. I also went to U.S. Bank and stood at counter for about an hour while XXXX who I did loan with called XXXX XXXX and tried to work this out. I think inexperience and lack of caring is a big problem here. I was given copy of cashiers check that XXXX XXXX had already cashed. Yet somehow also did a reversal. How you cash a check and do a reversal at same time is mind blowing. U.S. Bank was supposed to take care of XXXX XXXX XXXX directly. That transaction never happened. Then My loan is setup with first payment due today on XX/XX/2024. I have already setup bill payment with XXXX XXXX and they sent payment to U.S. Bank on XXXX. I called U.S. Bank and asked them why this was not yet posted. The response I got was XXXX XXXX would have sent check to me to pay off credit card. What in the XXXX are they talking about? This is a direct payment from XXXX XXXX to U.S. Bank. Now I have to believe this is U.S. Bank being inexperienced and causing these problems. In the mean time I had to endure several harassing phone call, emails, and postal mail bill collections. I have never ever been late on a bill or missed a payment until I did business with U.S. Bank. Almost Ruined my XXXX. Started off a bad XXXX XXXX. Can I get some help?

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 2024-01-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was charged {$570.00} as a deposit from XXXX XXXX XXXX on XX/XX/23 and have contacted both XXXX and Wells Fargo about the funds being returned. The funds were supposed to be returned as XXXX  days after rental return. I contacted XXXX and they said they have no say in it and advised me to contact Wells Fargo about the situation. I contacted them and have had the claims process started, no information has been given past an email I recieved on XX/XX/23 informing me the process has started. I would like to see if I can have the charge returned to me or have this looked into to make the process go faster than a XXXX XXXX. Their website saying within XXXX  days hasnt been met and I am still missing the {$570.00} from my account. 

Attachment XXXX is the withdrawl for the deposit Attachment XXXX is the charge without the deposit ( from XX/XX/23 ) Attachment XXXX is the charge with the deposit ammount ( XX/XX/23 )

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 2024-02-03
Company: PENTAGON FEDERAL CREDIT UNION
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
PenFed notified me they do not have to lower interest rates and pay back interest over required by LA SCRA since they are not in Louisiana and loan was not applied for and transaction was not done in LA. 

I am in the XXXX and when I moved to Louisiana with orders requiring me to move here they are the only bank that did not abide by the law.

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 2024-01-22
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Previous CFPB Complaint : XXXX Lender placed insurance on two of my 3 mortgage accounts- XXXX & XXXX. Received their notices to submit proof of insurance and sent requested info to XXXX ( per their instructions in the letter ) every time I received a letter. Additionally, my insurance agent made multiple calls, spending 20-30 mins per call providing proof of coverage. 

He advised this past XXXX, XX/XX/XXXX - he finally spoke with an agent who advised him that the XXXX will be removed from my accounts. 

Next step is to get refund for XX/XX/XXXX escrow payments and confirm future drafts do not include escrow amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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 my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

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 2023-12-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with Experian & they have failed to remove the item

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 2024-02-02
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-01-18
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage was transferred to a company called Regions Mortgage. The First payment to Regions was to be made in XXXX. I setup auto-pay through my bank ( XXXX XXXX  XXXX who i have used for several decades ). 
In late XXXX i received a notice from Regions Mortgage saying I had made no payments what-so-ever. 
XXXX XXXX  gave me the transaction ID 's for all the payments. They show the payments were deducted from my account. 
I contacted Regions Mortgage. They had no record of any payment. They took all payments during that call using my debit card. 
My XXXX XXXX account has shown 2x the number of payments I was supposed to make. 
Regions Mortgage credits only the number of payments they took during that call. 
I have sent them all the transactions via email. That was two weeks ago. They have not responded to my emails. They wont call. The last call was disconnected after being on hold for a very long time. 
I have dont nothing wrong, and yet my credit report reflects negative. Also, I was charged a late fee. None of this was my fault. I have over-paid my mortgage by a considerable amount and I very much not happy with Regions Mortgage ( a company I did not chose to do business with! ). 
I really need help fixing this. I don't have enough money to make 2x my normal mortgage payments right now. Times are tough, but when things get better I most certainly will continue making extra payments as I always have. 
Attached are screenshots from XXXXXXXX XXXX showing payments made to XXXX ( previous mortgager ) and Regions ( new mortgager ). Also, I've included a recent report by Regions. 


Thanks for any help you can provide XXXX XXXX XXXX XXXX, TN

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 2024-01-20
Company: Westlake Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-29
Company: CITIBANK, N.A.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Between XX/XX/XXXX and XX/XX/2024, fraudsters contacted me via Citibanks 's legitimate alerts thread telling me fraudulent activity had been detected on my debit card and that I should be expecting a call. I should press 1 for yes 2 for NO, just like the bank has legitimately asked me to do in the past with no issues. I spoke to a woman named XXXX and she told me that three illegal payments of XXXX dollars were scheduled out of my account via XXXX -- the XXXX XXXX XXXX  endorsed and used by the bank on its site and mobile app. She talked me through how to stop the payments from going out but it turned out that I was being groomed to in fact remove the money from my account via XXXX She pretended I was refunding myself. on XX/XX/XXXX I was alerted again that another amount of XXXX dollars was attempted to be debited from my account but this time it was real and when I asked how much money I had in my checking and savings it was XXXX dollars. My account was cleaned out. Citibank says it is investigating and i have filed an official police report under XXXX. However, though the bank has recouped about XXXX dollars of fraudulent debits, they have yet to refund the XXXX that was taken via these fraudulent XXXX transfers and refuse to assure me they will. My account is frozen.

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 2024-01-29
Company: CashRepublic Holdings, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Omni Financial of Nevada has continued to avoid my concerns. My account shows C/O of XXXX but amount owed XXXX. 

Again, not only did I purchase debt cancellation with the original loan which shouldve took care of this debt but, and mainly, had it not- the balance should still only be XXXX. 

Ive never been provided right to dispute, payment plan option, nor a monthly statement outlining interest as required by FDCPA and FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since XXXX  I purchased a vehicle from XXXX and BridgeCrest is the Creditor. I have not been able to get them to respond in a timely manner. I have sent copies of my concerns and complaints to them and the have not given me a proper response. I have found discrepancies in the Bill of Sale and Retail Sales agreements. Both parties have violated my Consumer Fair Rights, my Right to Rescind, Complaint Regarding Fraud and Misrepresentation Violation, violation of FCRA 15, code 1666b, disregard necessary steps to ensure the fair treatment of consumers in accordance with FCRA guidelines and my Request for Consumer Protections and Disclosures Under the Truth in Lending Act. I have contacted the company that associated with settling out of court as stated in the contract and no response. The vehicle is non-drivable and been under repair for two years with ongoing issues.

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 2024-01-26
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened an account with First National Bank of Omaha ( FNBO ) on XX/XX/XXXX and they ran my credit and I was approved for {$8500.00} dollars. As of XX/XX/XXXX FNBO decreased my limit to {$3700.00}.

I have a balance owed of {$3300.00} with an available balance of {$320.00} Which by far has trickled a BAD RESULT with all credit companies CREDIT COMPANIES. If I apply for credit I am denied ENDLESSLY and they have RUINED my CREDIT FOREVER.

FNBO decision was not based on non payment or late payments.

FNBO decision was based in part on a scoring system that was used to predict your creditworthiness? 
This was all started by First National Bank of Omaha The reasons are : : : : Total monthly payments on open credit card accounts Current payments amount as % of amount due Number of revolving trades with a balance NEVER BEEN LATE ON ANY OF MY CREDIT CARD PAYMENTS WITH First National Bank of Omaha OR FOR THE MOST PART ANY OF MY CREDIT CARDS. 
IN ORDER TO OPEN AN ACCOUNT WITH XXXX THEY RAN MY CREDIT AND MY SCORE WENT DOWN AND I HAD AN INQUIRY STAYED ON MY ACCOUNT FOR 2 YEARS? 
Attached bank statement from XXXX of XXXX and letter from them showing decrease in credit limit. 


They have definitely been successful with RUINING my credit by decreasing my AVAILABLE credit. 

What justifies them to decrease my account balance if I do not have non payment or I am not late on my credit card payment?

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