BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Name : XXXX XXXX XXXX Account Number : XXXX Phone : XXXX XXXX XXXX Email : XXXX This is the second complaint I have had to make to CFPB about Citibank in the last number of months. It is ridiculous how incompetent your support function and your agents are that I need to do this to get simple things fixed. 

I am unable to make simple transfers from my checking to either my savings or any other external account. I get an error saying " Looks like something went wrong. Try resetting your account selection. '' ( see screenshot ) What is preventing me from moving my OWN MONEY to my own accounts? When I call the contact center, this is what happens : 1. I wait forever to get connected to a human 2. I complete all authentications ( multiple times.. via SMS, password, address etc. ) 3. You send me down a rabbit hole of re-explaining the issue over and over because I keep getting transferred and handed off to the next incompetent person 4. Get put on hold multiple times for 5+ mins - every call is an hour 5. AND WORST OF ALL, the last agent comes of hold and tells me " he can't continue the call and that someone will contact me '' and hangs up the phone I had a long running issue when there was fraud on my account from a criminal. That took Citibank 9 months to fix and return the funds to me. Perhaps this is why you put some sort of restrictions on my account? This is so bad if that is the case because that issue is resolved. Let me use my account or I will be taking my funds out and never returning to Citibank.

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 2024-01-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When I had my first wells fargo account someone accessed my information causing them to use my entire card up and I had to file disputes for all transactions. Now the company won't let me do business with them and keeps closing any account that I open

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 2024-01-25
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried repeatedly to dispute this, the amount owed was paid directly to the creditor. It is still showing up on my credit report. I have also disputed it with credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
remove all negative items immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was given a noticse and summons about a charged that was charged off my credit inXXXX it was sold to another company who filed a summons on a old case that was charged off they did not give me the paperwork until XX/XX/XXXX they filed the paperwork on XX/XX/XXXX which did not give me the proper time to answer to the notice and summons

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 2024-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I setup auto pay when I got the card, and have had no problems with payment. The other day I went to use the card and it was turned off. I called and they said it was from a late payment. The late payment was for a late payment fee. My payments are scheduled and processed by them, I have no control over an auto payment. If they have internal processing issues and charging customers late fees that is fraud. I called and the lady said that she removed the fee, it is not removed, and it is also making my rates change and cascade, I think this is a scam they are pulling. I tried calling again and waited on hold for over 3 hours before hanging up.

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 2023-12-12
Company: Credit Karma, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Well they never helped. Me fix my credit, and they took money from my taxes and they will always say my score was fair and I will fo somewhere else they will tell me my score was super low  . I was actually happy thinking my score was getting fix but no I was played ...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: Radius Global Solutions LLC
State: TN
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:
I had contacted Radius Global Solutions ( the owner of my debt ) and agreed to a settlement. Settlement was fully paid on XX/XX/XXXX. XXXX is still reporting a balance of ~ {$1100.00} on my account. I filed a dispute via XXXX have the balance corrected. On my credit report ran on XX/XX/XXXX it still stated I had the balance. I submitted a dispute same day, and they verified the balance as accurate. I would like this debt removed as I am no longer responsible for the debt, the settlement payments had been updated for the balance went from ~ {$1800.00} to ~ {$1100.00} after I had paid {$750.00} to settle it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I originally opened a credit card account with First National Bank of Omaha more than 10 years ago, but due to financial hardships, I could not afford to make payments anymore, and the account was closed around XXXX or XXXX. The debt was transferred to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. I received a letter from this law firm stating that I owe them a total of {$11000.00}. I attempted to contact them by writing a letter asking for the original contract from First National Bank of Omaha, the amount owed at the time the account was closed, and the date the account was closed. This law firm never responded to my request. Instead, they received a judgment from the Levying officer, Sheriffs Department XXXX XXXX, and attempted to withdraw {$11000.00} from my XXXX XXXX joint mortgage checking account I have with my Wife in XXXX. My bank denied their request for the total amount, but did grant a withdrawal of {$580.00} from this account. I scheduled a court date to have a claim of exemption because I could not afford to pay the amount they say I owe to due a financial hardship. During this appearance, I told the court this, and also told the court that I mailed a letter to the law firm requesting for information pertaining to this debt but did not receive a response. The law firm told the court they never received my letter ( I still have a copy of the letter as well as the reciept and post post marked date the letter was mailed ). Therefore, the judge denied my claim of exemption. As a result of this, my Wife and I had to cancel our XXXX XXXX mortgage account, for fear that the law firm would take out more money which would have prevented us from paying our mortgage, and ultimately causing our mortgage to go into default. 

Most recently, I was notified from my current employer in XXXX of XXXX that the Levying officer of XXXX received a judgment from the court to garnish my wages effectively immediately, and now 20 % of my bi-weekly wages are being garnished, which has really put me into an even deeper financial hardship. I can not afford a lawyer to represent me, and my hope is that the CFPB can look into my situation and help me determine if the debt amount is valid of not. Thank you,

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 2024-01-02
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2000 I had a satellite dish installed. It was placed incorrectly and never worked properly. The company XXXX XXXX was sold. I tried to speak with a person who could fix the satellite dish but nobody cared. 
IC systems tried to collect the debt two years ago. I explained the problem and they stopped collection attempts. 
Suddenly in XXXX they started again. 
My account number with IC systems is XXXX. 
Please 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 explanation
Consumer complaint received 2024-01-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX, I received a letter thanking me for opening a new XXXX XXXX XXXX XXXX. I tried to contact the company via email only to be told ( on XX/XX/XXXX ) that it was the rewards account and I need to contact Wells Fargo, the issuer of the card. The card was received in the mail on XX/XX/XXXX. I called the number on the card to report that I didn't apply for the card. They said that they had XXXX the card and I asked if they could verify that no other cards were issued against the account. He asked for my phone number and I felt they should tell me what it was - and then my fiance got angry and started yelling. He was not on the phone but the rep. could hear him and ended the call because it was 'abusive '. I am not sure what is happening now but I am worried that someone else may have a card against this account. I have done research and apparently XXXX does this a lot - sending out cards to people who do apply for them.

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 2024-01-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I filed a dispute for two {$500.00} charges and one {$1000.00} charge in my account because I had gotten scammed. The scammers sent me a check through the mail which cleared through my bank for two whole days which prompted me to believe it was a real check since the balance of my account reflected that. I filed this dispute on XX/XX/2024 and has been calling for any updates since no one has tried to contact me for any proof of the event and then I got a letter in the mail around XX/XX/2024 saying that I am not eligible for a reimbursement because my account reflected the transactions. First of all, I just opened my CitiBank account not even a year ago ; in fact I did not even have a XXXX account under the bank account until the same day I sent the money to the scammers. Second of all, I have never sent such large chunks of money out of my account ever since I opened it. And lastly, I have never received a check larger than my normal paychecks of {$1000.00} deposited into my account. I have explained the situation to multiple agents and they would promise to connect me to an agent but then they would hang up and I would have to call again and redo the entire thing. No one has ever reached out to me during this entire " investigation ''.

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 2024-01-27
Company: Complete Credit Solutions, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A bill showed up on my credit report from this collection agency trying to collect a fraud debt that was not mine from some company called XXXX XXXX. in the amount of {$2500.00}

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 explanation
Consumer complaint received 2024-01-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 a check was fraudulently drawn on my account for {$5200.00}. On XX/XX/2023, that money was returned to my account. 

On XX/XX/2023 {$920.00} was fraudulently taken from my account ( which only had {$330.00} in it to begin with ... ) this time, BMO-US did not return the funds, instead, freezing my account and telling me I had to go into the local branch office to discuss further. I went to BMO 's Branch office in XXXX, FL. The representative helping me, XXXX XXXX, proceeding to close my account and open a new account that my funds could be sent to once this was resolved. She ended up completing the wrong paperwork, which was then notarized by the XXXX XXXX, XXXX XXXX XXXX who, apparently, was just as clueless on how to handle my situation. 

In the meantime ( XXXX month later in XXXX ), I travelled across country to New Mexico when it was revealed to me that the paperwork I submitted was incorrect and that I would need to seek out a local BMO branch. I then went to BMO in XXXX XXXX, NM, where the Branch Manager completed the appropriate paperwork, but then sent the paperwork along to XXXX XXXX at BMO-XXXX XXXX so that she could complete a section ( 4 ) on the " Affidavit of Forged or Altered Checks '' called " Additional Information Required. '' I've asked her repeatedly for a copy of this document for my records and she avoids getting back to me. I have a complete list of emails and phones calls that I've made to the branch and BMO-Customer Service and I'm getting no help at all.

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 2024-01-28
Company: January Technologies, Inc
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date : I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of my account Account name : XXXX XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. my info ive been stolen in XXXX my XXXX card i did a report to the police station in XXXX cause i hade to go to court about identify theft in XXXX i do have multiple police reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Since Wells Fargo took over servicing of my loan in XX/XX/XXXX, they did not perform due diligence to estimate my property taxes after the purchase of my loan, causing an immediate increase to my mortgage XXXX starting in XX/XX/XXXX. I did not call to complain about it at the time because this only represented a minor mistake based off the increase. Then in XX/XX/XXXX I was notified of another increase based off their miscalculation and adjustment to my property taxes. I did call them to complain at this point because I know they did not perform their due diligence when taking over servicing of the loan for estimation of taxes plus proper reserve requirements. They stated they were only able to forebare a nominal amount of {$100.00} that would not help at this point. I applied for a loan modification in XX/XX/XXXX to help with this and I was declined. Now I just received my escrow analysis for XXXX and now there is a shortage of over {$3000.00} l, adding {$200.00} more to my escrow impound payment. Since they took over servicing of my loan, my payment has now increased by XXXX XXXXXXXX due to their original error of not properly estimating taxes and setting appropriate reserves since taking over servicing of this loan.

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 2024-01-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I HAVE RECEIVED FUNDING FROM XXXX XXXX HAF PROGRAM TO PAYOFF AND ESCROW SHORTAGE. THE FUNDS WERE SENT ACH ON XX/XX/. SHELLPOINT RECEIVED THE FUNDS ON XX/XX/. ON XX/XX/XXXX  AND WAS TOLD THAT THE FUNDS WILL BE APPLIED TO THE ACCOUNT, AND AT THIS TIME THE GOVERNMENT FUNDS HAVE NOT BEEN APPLIED TO THE ACCOUNT. ATTACHED T THIS COMPLAINT IS A REQUEST LETTER OF HOW THE FUNDS SHALL BE DESPERSED ACCOMPANIED WITH THE LETTER FROM XXXX XXXXXXXX OF HOW MUCH MONEY THAT I HAVE RECEIVED. I AM REQUESTING A FULL INVESTIGATION AS TO WHY SHELLPOINT IS HOLDING THE MONEY AND IS NOT APPLYING THE FUNDS. I AM ALSO SEEKING LEGAL REPRESENTATION BECAUSE I CONSTANTLY HAVE REOCCURRING PRBLEMS WITH SHELLPOINT MORTGAGE. 
PLEASE ADDRESS THIS ISSUE ACCORDINGLY, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: LoanCare, LLC
State: IL
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:
There is fraudulent mortgage reporting on my credit report. My signature was forged to obtain a mortgage loan.

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 2024-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello and thank you for helping out! I was in contact with Wells Fargo agents previously who helped me file a claim on my personal account however, I believe two of the charges were reversed, and I just wanted to provide the approved police report claim who investigated. I would like to have the account brought current. Thank you

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 2024-01-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX, I have been a USAA customer since XXXX. I have a USAA checking account, although I don't use it as my primary checking, I use it on occasion. The USAA sent me an email today informing me that my checking account has been closed because I have had XXXX balance on my account for a very long time. However, I checked my statements and I have a XXXXXXXX  balance on my account till XX/XX/XXXX. The XXXX balance is only from XX/XX/XXXX to now, which is about 2 months. I don't think two months can be considered an account not to be used for a very long period to result in an account closure. Also, I have never been informed that there is a minimal balance requirement for a USAA checking account, nor I have been informed by mail. I feel that closing my checking account is unethical and does not align with regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Transworld Systems Inc. reference number XXXX account XXXX for the amount of {$1400.00} that I do not owe. I asked to dispute the amount and to have the itemized bills sent to me so I can match up my payments made on this account.

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