BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
USAA reporting different information for same account across XXXX XXXX Continues to report XXXX delinquency and missed payment though the account has been charged off for XXXX years Reporting high credit utilization No statements provided to me as a consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In early XXXX, XXXX I received three letters from Wells Fargo regarding their Checking Add on Package which I had not originally authorized. The letter gave their toll free phone number to call. I called their number at XXXX and I received three ( 3 ) reference numbers. Reference Number XXXX for a check payable to me in the amount of {XXXX. Reference Number for my partner. 
Reference number : XXXX payable to him for the amount of {XXXX  and also for my partner, Reference number : XXXX payable to him in the amount of XXXX I was told on several occasions that these Checks, Payable to myself, and my partner would arrive in 30 days, by XX/XX/XXXX. It is now almost XX/XX/XXXX and those 30 day promised checks have NOT ARRIVED as promised. They keep telling me that they are the in process and/or pending status. It is now going on XXXX months later and NO PAYMENTS HAVE ARRIVED. You can reach and call Wells Fargo at Wells Fargo Complaint phone number : XXXX. Give to them the three reference numbers. I demand that Wells Fargo mail these checks to me immediately.

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: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im a US bank customer for more than 10 years. I mailed two checks to the county of XXXX on XX/XX/XXXX for my property taxes. I dropped off the mails in the mailbox in front of the post office. Both checks were stolen. One with the amount of {$9900.00}. I filed an investigation with US bank on XXXX  The other check with the amount of {$5700.00} filed on XXXX I am following up with the bank by phone and in person to a branch. Every time I receive different information regarding how soon I can receive my money back. Last conversation with XXXX XXXX the fraud supervisor was today, he said that it can take up to 4 months to complete the investigation. And bank is not liable to give me provisional credit. Please kindly assist me. Since I am paying interest on this amount, I have already had {$550.00} delinquency fee. Sincerely

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 2024-01-23
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My daughter XXXX XXXX has three student loans in repayment. I am a cosigner making her payments. XXXX XXXX but is currently in an internship sponsored by XXXX. We submitted a letter from XXXX explaining the internship runs from last fall to XXXX XXXX XXXX We submitted this letter to Sallie Mae together with a request for a forbearance. Sallie Mae declined, indicating the investor was not offering any assistance. Failure to offer a forbearance while students are still in school trying to further their education is not industry standard and is not what we were advised at the time we took out the loans. Such actions are unfair and deceptive. Moreover, the loans border on being usurious with rates as high as 15.75 %. I would appreciate it if Bureau would investigate Sallie Mae and its investors to prevent such unfair actions in the future as well as ask Sallie Mae to grant us the forbearance and refund payments responsibly made since last 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 2024-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called my financial institution immediately after I noticed several unauthorized purchases on my account. While on the phone with the fraud department there was more transactions from the same merchant coming in. The bank was able to block these as my card was already turned off. They are now saying that these transactions are legitimate despite the fact I called immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The credit limit was lowered with no notice to myself. I found out when the auto pay was declined at one of my childrens activities. I called and spoke with them about this situation and was told another letter would be sent. I have been a customer for over 30 years and when I asked to speak to a supervisor I was told that there are none they dont speak with customers they just supervise. The biggest issue is they lowered my credit line to where no Im utilizing 97 % of my credit whereas before it was only about 15 % utilization. Can some pleas assist.

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 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
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:
STILL LYING ABOUT THE ISSUE INSTEAD OF STILL WORKING ON THE ISSUE is real truth AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hey, I have no knowledge or did business with this company. This company is trying to collect debt not owed, this company is attempting fruad. The original credit account is paid and closed! I send a validation letter on XX/XX/2023 via mail. I didnt receive a validation letter back from this company all I received was and copy of rental agreement from original creditor. Can you stop this company that I never did business with to stop furnishing inaccurate information on my consumer report. Next step lawsuit!

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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received the email regarding my Citi bank Checking account closure on XXXX In the letter said that my account will be closed next 60 days, and all funds belong me will be sent by check to my mailing address. I have funds on my account about {$16000.00}. After 60 days, I contacted couple times with number that provided on the letter to Citi Bank Froud department. They didn't provide any information. Only thing they said is, that they will contact to backoffice team and find out what is going on. They have never explain the reason of closure and they haven't sent my funds. At the date of writing this letter we already passed 5 months, and I still haven't received my funds.

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 2024-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am writing to you today because I do not know where to turn for help. We are in desperate need in obtaining our money back to pay our rent that was due XX/XX/year> because of the incident below : My husband allowed our son to play on his tablet. My XXXX, who is XXXX XXXX XXXX and XXXX purchased {$10000.00} in XXXX XXXX XXXX and XXXX is refusing to credit us. My autistic son got hold of my husbands passcode to make the purchases but he never used any of the downloads. Frankly, our XXXX  son did not know he was causing any harm. 
I was on the phone with XXXX on XX/XX/year> for XXXX hours trying to explain the situation and they said the maximum they can credit us is {$800.00}. They said to dispute it with our bank, Wells Fargo. 
My husband and I have reached out to Wells Fargo since XX/XX/year> and as of XX/XX/year> they said they denied the claim. The escalation team said " no '' they did not approve it. When my husband asked Wells Fargo what the criteria was for rejecting or accepting the claim, they said they would not answer that question. We, of course, gave the bank full details about the issue that our son, who has XXXX, purchased these charges erroneously. Our son does things repetitively. So when he clicked the button and saw numbers, he simply thought it was a game so to speak. Our son loves numbers so the higher the number, in his eyes the better it is. He takes pictures repetitively, he speaks repetitively. I don't know what to say except we can not pay our XXXX rent nor put food on the table. This is heinous. Big banks and Big Corporations such as XXXX just want to squeeze the money out of the consumer. 
I am sickened. I have the denial letter if you need me to upload it. 

The claim # is : XXXX and their reason for denial : " They didn't find any evidence of wrong doing. '' So, they basically took our money and accepted the charges as is. 
Bottom line, Wells Fargo and XXXX won't take any action to give us our money back. The claim is for the amount of {$10000.00} Please, can you help us? 
Sincerely, XXXX XXXX and XXXX XXXX ( XXXX and XXXX to our son, 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 2024-01-24
Company: SERVICEMAC, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Subject : Urgent Complaint - Incorrect Payment Allocation by ServiceMac To Whom It May Concern, I am writing to file a formal complaint against ServiceMac regarding an erroneous payment allocation issue that has happened on XX/XX/year> and has caused financial inconvenience and requires immediate resolution. 

I recently purchased a new construction condo unit within a community consisting of XXXX units. The community has a master parcel for tax purposes, and each unit is responsible for reimbursing their portion of the quarterly tax bill. For the 2024 XXXX real estate tax, the total bill for all units in the community was {$9900.00}, and my specific portion amounted to {$210.00}. 

Unfortunately, there has been a significant error in the payment allocation process by ServiceMac, my mortgage company. Instead of deducting the correct amount related to my unit 's tax responsibility, they erroneously paid the entire {$9900.00} from my escrow account, which pertains to the master parcel and not my individual unit. 

I have made numerous attempts to contact ServiceMac to rectify this error, but unfortunately, their response has been unsatisfactory, and I am yet to receive a resolution. This situation has caused undue financial strain as the incorrect payment has not been refunded to my account. 

Despite multiple attempts to contact ServiceMac, there has been no meaningful action on their part. Their response has been inadequate, and they insist that it was not their fault. Furthermore, they have indicated that the resolution process may take up to three months after a thorough review and verification, a timeline that is wholly unacceptable given the urgency and nature of the issue. 

I request your intervention in addressing this matter promptly. I am seeking the following resolutions : 1. Immediate refund of the overpaid amount of {$9900.00} to my escrow account.

2. Clarification and correction of the payment allocation process to ensure such errors do not occur in the future.

3. Compensation for any associated fees or charges incurred due to this error. 

I believe that the Consumer Financial Protection Bureau ( CFPB ) is the appropriate authority to investigate and resolve this matter. I am formally filing a complaint and seek your assistance in facilitating a swift and fair resolution to this issue. 

Thank you for your prompt attention to this matter. 

Sincerely,

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: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
all three bureaus are committing a direct violation of the fcra by blocking the consumer from their own identity this is also known as credit slander, defamation of credit, credit blocking and theft of identity.

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 2024-01-23
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have been Citibank credit card customer for many years. Very satisfactory relationship. Having sold my home in XX/XX/XXXX I had significant funds and decided it would be sensible to entrust some of the sale proceeds with Citibank. 
On/about XX/XX/XXXX funded new Citibank savings account on line with {$100000.00}. These funds were transferred from my XXXX XXXX  XXXX account. 
On/about XX/XX/XXXX added {$50000.00} to this Citibank savings account with funds transferred from my XXXX XXXX Checking account XXXX 
On XX/XX/XXXX received letter from Citibank saying they were unable to verify recent activity. At that time they placed new savings account in " restricted status ''. 
I received this letter on XX/XX/XXXX and immediately called. Citibank would give no reason for this restriction. During my 2 phone calls that day, Citibank told me they were reviewing the situation. 
On XX/XX/XXXX XXXX sent further letter advising they were terminating the savings account. This would be closed within 60 days from the date of that letter. 
I called several times to try to confirm what they were doing. 
At NO time has Citibank asked me for any additional information. 
Called Citibank on XX/XX/XXXX for update since the 60 day period was soon approaching. 
Was told by Citibank that a check for the entire balance in this savings account would be mailed USPS to my address of record on XX/XX/XXXX. 
When this check was not received by XX/XX/XXXX, I called Citibank to determine status. I was informed that ( 1 ) NO check had been sent and that ( 2 ) I was attempting to take funds NOT belonging to me and that Citibank would only send the funds to the actual account holder The Citibank employee called me a thief but not using that exact word. 
This Citibank employee then abruptly hung up the phone. 
After recovering somewhat from the shock at this news AND the employee rudeness, I called again this morning. 
At that time, I was informed that all access to my account was blocked from that Citibank employee. 
She suggested I go to a Citibank Branch and the closest branches are in the XXXX XXXX area ( some XXXX miles ) or XXXX XXXX ( XXXX XXXX XXXX ). This would be a real hardship. 
In summary, Citibank has determined that I am trying to steal money that I entrusted to them. They have NEVER contacted me via text or email concerning this. Their sole contact was in the 2 letters mentioned above. 
I am trying to 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 monetary relief
Consumer complaint received 2024-01-28
Company: ProCollect, Inc.
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX ProCollect called my mobile while I was in the waiting room of a hospital for my mother. PC asserted a debt of {$4100.00}. Did not describe the debt other than to identify the creditor as XXXX XXXX XXXX XXXX. I asked for more information, but PC would only demand that I make payment, and threatened consequences. I ended call saying not to call me again, and to send any communication in writing. 
First week of XX/XX/XXXX Credit bureaus report that my credit score was dropping substantially because of a collections report. No additional information in the credit report beyond PC name and XXXX XXXX XXXX XXXX. I disputed with the two bureaus that would allow dispute, but they denied dispute. XXXX would not allow dispute without more information, but no such information had been disclosed in PC demand or any credit report about the collections claim. 
XX/XX/XXXX PC sent letter, addressed to XXXX XXXX, asserting same claim with no additional information. I received letter around XXXX. I responded with a letter XX/XX/XXXX demanding documentation that supports PC 's belief that I owe debt. 
XX/XX/XXXX letter from PC, received XX/XX/XXXX. Provided hilariously inadequate documentation of debt. If it was in fact evidence of some debt, it was against one of two other people, who live 3000 miles away from me. We only shared a first name in common. I replied with the attached letter.

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 2024-02-01
Company: The CMI Group, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Re : Investigation Complaint Against Credit Management LP To Whom It May Concern, I am writing to file a formal complaint against Credit Management LP for multiple violations of my consumer rights under federal and state laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), and relevant Mississippi state statutes. 

Summary of Violations : Failure to Validate Alleged Debt : Despite my requests for validation, Credit Management LP has failed to provide proof of the alleged debt, including but not limited to the original creditor 's information, proof of a license to collect in the state of Mississippi, proof of the debt purchase agreement outlining the terms of the debt purchased, and confirmation of compliance with Mississippi state statute of limitations. 

Use of Law Firm as Debt Collector : Credit Management LP has engaged its law firm as a debt collector, which is in violation of federal law, as outlined in the Fair Debt Collection Practices Act ( FDCPA ). 
Legal Basis for Relief : Failure to Validate Debt - UCC Law Codes : UCC 9-609 : Failure to provide proof of a valid debt constitutes a default.

UCC 1-201 ( 37 ) : Defines an " unauthenticated debtor '' in relation to providing proof of a valid debt.

Failure to Validate Debt - Federal Law Codes : FDCPA 809 ( b ) : Requires debt collectors to provide validation of debts upon consumer request.

FDCPA 807 ( 10 ) : Prohibits the use of false or deceptive means to collect a debt.

Use of Law Firm as Debt Collector - Federal Law Code : FDCPA 807 ( 6 ) : Prohibits deceptive practices in connection with the collection of any debt, including the use of a law firm as a debt collector. 
Request for Investigation and Relief : I request a thorough investigation into Credit Management LP 's unlawful debt collection practices and failure to validate the alleged debt. The failure to provide the requested information should be considered a default and admission of the illegitimacy of the debt.

Violations : Failure to validate the alleged debt as required by the FDCPA and UCC.

Use of a law firm as a debt collector in violation of the FDCPA.

Remedies Requested : Monetary relief for any damages incurred due to Credit Management LP 's unlawful practices. 
Personal punitive damages for the distress caused to my life by their actions. 
I appreciate your prompt attention to this matter and look forward to a resolution that ensures the protection of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation