BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
USAA Investigated and said it was a valid transaction. I still do not have the tickets or access to them. Basically I paid for an item I do not have. I have also contacted XXXX XXXX and their web site says no record of a purchase ; XXXX XXXX : XXXX. On XX/XX/XXXX, I attempted to purchase two tickets for the XXXX XXXX XXXX in XXXX, Ohio, via XXXX website. Once on the XXXX site, conducting the purchase, agreeing to the price of {$420.00} per ticket, a total of {$850.00}, for two tickets, put in my credit card info for his purchase, and the site switched to XXXX XXXX, and the price jumped to {$1800.00}. I tried to cancel the purchase by calling the company directly after noticing the switch. They refused to cancel the purchase and suggested I resell the tickets alone. I explained what happened, and they couldn't care less. I then contacted my credit card provider, USAA Federal Savings Bank. They closed my card due to a fraudulent purchase and reissued a new one. Subsequently, on XX/XX/XXXX, these charges reappeared on my new card, and the credit card company asked that I try to work it out with XXXX XXXX. I communicated with XXXX XXXX via chat on XX/XX/XXXX, asking them to refund the purchase, and they refused, stating I could resell the tickets. Interestingly, when I put the XXXX ID : XXXX and my email on their website, it returned, " The information you entered does not match our records. Please try again. '' I also told the lady on the chat, and she said, oh well, you should get your tickets in XXXX. I have paid them {$1800.00} for XXXX XXXX XXXX  Tickets ( I do not have ) and Parking {$130.00}, for a total claim of {$1900.00}. This company is a scam, a ripoff, and a hazard to hard-working Americans and this great nation. Based on my experience and the XXXX XXXX XXXX that reviewed and filed a similar complaint against this so-called company, they need to be shut down and not allowed to do business. 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 2024-02-02
Company: RMS-Recovery Management Services, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called Recovery Management Services at XXXX on XXXX at to inquire about my defaulted loan. My loan had been on hold due to XXXX XXXX 's exemption promise. It was taken out of hold, and I did not know. It was sent to collections. I got a call from Recovery Management Services in late XXXX. I called today to get my loan out of default, so I can apply for federal student aid for XXXX XXXX 

I told her I need to apply to XXXX XXXX and I told her that at the beginning of the call. She used this precarious position to hang necessary information over my head, such as how to pay off the loan presently, what my login information to do so might be, and what my options to pay were. 

I called the company in order to resolve the issue as soon as possible. I expect decent treatment. This was not he case. The operator told me that my payment was bounced back from my bank, so I could not pay with a payment plan anymore. She said credit card payments were available. She said " we will call you '' unlimitedly and as frequently as they want, to collect the debt. I took this as a threat. The balance is {$750.00}. I was taken aback, and told her I did not want to argue, just to know my options. She told me there was no payment plan available, and reiterated that it was because my ACH bounced back, so I asked if I could pay another way. She said the balance needed to be paid in full, and could be done online. She began to change the information, saying I could make multiple payments though the month of XXXX. I brought my dad on the phone, feeling suspicious about her inconsistent information. I told her he was there. She then said, I had until the end of XXXX to pay the loan, not that it was due now, as she said before. She finally changed her information, saying I had until the end of XXXX to pay the loan, and that I could make several payments online to do so. This was a complete change from the information from the beginning of the call.

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

Complaint:
Morning of XXXXXXXX : Wells Fargo illegally placed a hold on a XXXX XXXX XXXX I deposited at one of their branches ( in the amount of {$88.00} ). I need those funds available NOW to pay a debt that is due today! I've tried calling several times and no one will help fix this problem! In fact, most of the time, I can't even get through to a live person, and when I do, they are usually XXXX XXXX  refuse to help, and/or just hang up! If I ask to speak with a supervisors, the XXXX  to whom I am talking just hangs up! This latter happened three times when I spoke to XXXX, XXXX ( the branch manager at the XXXX branch ), and XXXX. Additionally, all of these XXXXs refused to give me their employee numbers, last names, or where they actually work ( except for XXXX XXXX. I did get a " reference number, '' which is 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 2024-02-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX XX/XX/XXXX I opened a personal checking account online with Citibank and transferred {$10000.00} from my personal checking account at another institution. On XXXX XX/XX/XXXX Citibank sent me an email saying that my account would be closed within 60 days. It is not clear what led to the account closure and the only explanation from Citi was : " We periodically review customer accounts and assess account activity. Based on a recent review of your Access Account account, we found that you have violated the terms of your account per the client manual. '' Citibank has not returned the funds to my sending account nor sent me a check for the funds. Attempts to retrieve the funds from Citibank have been unsuccessful. Citibank representatives have given information that is inconsistent, unprofessional and at times disparaging. 

On XXXX XX/XX/XXXX I called Citiphone banking and XXXX from Citibank said that there was a " Block '' on the account and another person from the fraud department would be able to lift it. According to XXXX from Citibank I would then have full account access. When I called the fraud department as directed, XXXX from Citi answered and proceeded to make disparaging remarks about my name. When I asked to speak to a supervisor the Citibank representative hung up. I called the citibank fraud number again and this time Citibank representative XXXX told me that to receive the funds I would have to make a new account but that I was also not able to make a new account. When I asked for a summary of the issue in writing the Citibank representative hung 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 explanation
Consumer complaint received 2024-01-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
CFPB Complaint No. XXXX Incomplete Investigation and Request for Address Correction I am writing to address the recent communication from Experian regarding the completion of an investigation tied to my CFPB complaint ( No. XXXX ). The investigation is not complete, as there remains an unresolved issue regarding the address listed on my credit report. 

As I have previously detailed, the address associated with the following identifiers : Address : XXXX XXXX XXXX, XXXX, PA XXXX Address ID : XXXX Geographical Code : XXXX is incorrect, unmailable, non-deliverable, and therefore inaccurate. This continued inaccuracy is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under section 1681. 

Despite your claim of a completed investigation, this address still appears on my credit report. To rectify this situation and ensure compliance with the FCRA, I am once again providing a recent utility bill and my state-issued identification as proof of my correct address. 

I am formally requesting the immediate deletion and update of the inaccurate address information from my credit profile. The persistence of this inaccurate information can have detrimental effects on my credit standing and overall financial health. 

Please expediently process this request and provide written confirmation once the erroneous address has been removed and my credit information has been correctly updated. 

I appreciate your prompt attention to this matter and expect a response within the statutory timeframe. 

Thank you for your cooperation. 

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 2024-01-23
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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:
XXXX Pentagon Federal Credit Union reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes.

I've included Two PDFs ( s ) showing the inquiry and showing Pentagon federal Credit Union Removing the inquiry

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: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have, after received the response to XXXX complaint, # XXXX, exclaims appropriate by Wells Fargo XXXX XXXX XXXX XXXX XXXX, the letter dated XX/XX/2024, contained malfunctions, phone address, be relevant reach agents, exclaimed by the letter 's composition indications, should be correct available, in order further discuss remedy my complaint, attempt to contact both XXXX XXXX XXXX XXXX of XXXX XXXX branch, at ( XXXX ) XXXX, and XXXX XXXX XXXX, author, of the response letter, office, Escalations Representative, attending XXXX XXXX XXXX, his phone address be exclaim, ( XXXX ) XXXX ; Theirs phone 's malfunction. 
I was again become very upset with regards the continue malfunctions at concerns there Wells Fargo relevant, at other primary juris. banking errors. 
I have been very much caused upset mine VA diagnosedXXXX XXXX XXXX XXXX, again by this incident, concerns Wells Fargo 's phone address malfunction, and I am compel by here incident, caused additional injury, upset to illness, ask Wells Fargo bank 's management for an by law should be available me, now " claim form to injury '' jurisdiction, that occurs by fault Wells Fargo.

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: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
Wells Fargo Bank, promised me at an phone call conversation on XX/XX/XXXX, another {$500.00} check, called " appreciation check '', that it would be issue and sent to me by XX/XX/XXXX ; When it did not arrive me timely, ... '' I did occur a loss of very valuable professional business coordinate property '', since over-due payment of {$500.00} was not made to a XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I didn't receive promised Wells Fargo {$500.00} check, timely enough in order stop mine stored property from being sold at an auction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due Wells Fargo fail send timely, promised {$500.00} appreciation check. 
I asked Wells Fargo Bank, relative agents in written business form, for an appropriate by law, does enforce for being available me such injury, property loss, incident, type to insurance result claim for injury. 
Wells Fargo agents further violate law by not provide me injury claim. 
I was harassed by Wells Fargo agents, I was detour promised check, of {$500.00}, until about XX/XX/XXXX, unfair and disrespectful, I ask claim.

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: Bonded Business Services, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have never had and dealing with bonded business services or XXXX XXXX XXXX that Bonded represents.

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: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
i have filed NUMEROUS complaints about this single issue and someone doesn't understand. I have a written payoff good thru XXXX which was paid BEFORE that period of time. NOT the intitial principal quote that i was given verbally. 
I received a PAYOFF -- -paid it off before expiration of payoff and a small balance of {$80.00} was transferred to a new servicer. please stand by the consumer here -- ME! that is literally your job

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: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
The servicing of our mortgage loan was transferred as of XX/XX/2024. We received a letter from the previous servicer stating that our mortgage servicing was being transferred and that if we wanted to make a payment, we could do so by sending the payment on or after XX/XX/XXXX  to Shellpoint Mortgage Servicing, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX with a phone number of ( XXXX ) XXXX. There is no way that I am sending a payment to this company without a coupon or even a loan number. I tried to call the phone number that was on the letter, but you need a loan number to even talk to a real person. If you have no loan number, the phone just hangs up. In addition, I signed up on their website, and again, could not make a payment because I don't have my new loan number. So, then I called the prior mortgage company, XXXX XXXX  at ( XXXX ) XXXX to ask how I can make my XXXX payment. They did not have an answer for me. They told me that I should have received a letter from Shellpoint by now and when I told them that I had not received anything from Shellpoint, they said I should just wait a couple of weeks to see if I get my letter. I asked what I should do if I didn't get a letter and the woman told me that she didn't know because Movement Mortgage would not have the information and therefore, could not help me. She also told me that any late charges would be waived with Shellpoint for the next 60 days, but I know that each day after XXXX that the payment isn't made will accrue more interest. The transfer of this loan and particularly the lack of communication/customer service from the new company is unacceptable. I need my new loan number as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: Amsher Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an invoice from XXXX account number XXXX and called them on XX/XX/XXXX  to let them know that this is a fraudulent account. It. I spoke to employee XXXX employee number XXXX. She stated that it would be canceled. 

Unfortunately it was turned over to a collection company at some point. 

This is not my account and I never requested the service.

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: GA
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:
I requested that the company provide me with the original contract with my signature on it and I did not receive anything from the company, and I am a victim of identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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, the consumer identifies as information that resulted from an alleged identity thief, not later than 4 business days after the date of receipt, It has been 30 days and you are in violation of the law because I am a victim of an identity thief, please delete item immediately. These account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2i Following the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. XXXX XXXX XXXX ONLY sent me a copy of the credit card agreement but I have NOT received contract with my SIGNATURE NAME ON 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 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
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:
I wish that you are doing well as I write this. I'm writing to let you know of an issue with my account 's reporting of late payments. I found that there are late payment entries on my account that have lowered my credit score after looking over my most recent credit report. 

I understand the importance of accurate reporting, and I am committed to maintaining a positive credit history. However, I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following details : XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct or remove this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

After carefully examining my financial records, I have found that these late payments are either inaccurately reported or were submitted in error. I kindly request that you review my account and, if appropriate, remove the mentioned late payments from my account history.

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: RoundPoint Mortgage Servicing LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
After learning I had an escrow shortage, I chose to pay the shortage in full on XX/XX/2023, per the information provided to me at the time of my annual escrow analysis. While RoundPoint applied this payment to my escrow account, they have not changed my monthly payment to account for the fact that I have made this payment- despite the fact that their FAQ document included in the escrow analysis stated that " Your scheduled monthly payment will no longer include the shortage collection amount should you choose to pay the shortage in full. '' It has now been 3 additional monthly payments ( XXXX, XXXX, XXXX ) where they continue to include the Escrow shortage amount on my monthly payment. 

On XX/XX/2023, I emailed RoundPoint Mortgage Servicing about this escrow payment and how my monthly payment has not yet been updated. Their automatic response said they would respond within 30 business days. After not hearing from RoundPoint, I emailed them again the week of XX/XX/XXXX. I still have not received any response, to either my first or second inquiry.

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