BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-05
Company: Albert Corporation
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I signed up to receive a service from the Albert Money App soon realized it was all a scam, but there was no way to cancel service through the app. I messaged to have the service stopped. I was assured that service service would end, but after checking my account they continue to make withdrawals every month. I tried to call back they stopped making withdrawals for the month of XX/XX/2024, but started back on XX/XX/2024. This is apparently an ongoing issue with tons of people that use the service, but they make it very hard to stop service and to get your money back

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Navy Federal Credit Union indicated my loan request was denied because of my credit score and recent late payments. My credit score is in the XXXX 's, and I do not have any late payments on any account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Not familiar with credit accounts

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 2024-01-29
Company: Albert Corporation
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I never intended to use this account for savings, I wanted to use it as a short term loan. They didnt offer me a loan. However, with {$80.00} in my bank account their genius felt like I was in a good position to invest money. They took {$11.00} from my checking account. Getting it back has been a horror. It took 5 days for it to clear once initiated - but they initiate with no delay, it is getting the money back that they prevent. I initiated a withdrawal on XX/XX/XXXX with a few hours before it should have been batch processed through the ACH and sent to my bank at XXXX XXXX Eastern time on XX/XX/XXXX. However they did not initiate it. I asked them via chat several times ( because they dont have call in support ) - it took several hours to get responses. They keep saying it takes 2-3 days to clear- which is true- but this is AFTER INITIATION. 
It is now Monday XX/XX/XXXX at XXXX XXXX Eastern time and they STILL HAVE NOT INITIATED the withdrawal. 
Again my text to support has resulted in waiting HOURS FOR A REPLY and getting the same generic 2-3 business days for a withdrawal completely ignoring that this is AFTER INITIATION. 

To cancel the account there must be a {$0.00} balance and no pending transfer. It is my contention that Albert illegally delays withdrawals/ transfers to : 1. Illegally profit off of the interest ; 2. Precent people from closing their account when they would like to, thus forcing a {$14.00} a month payment Many things they are doing are illegal and this company should not be allowed to operate. I am waiting currently HOURS again for a text response which Im sure will be that withdrawals take 2-3 days completely ignoring my question of why it hasnt been intitiated I will pursue a class action Please see my attachment- the withdrawal I initiated at XXXX XXXX Eastern time on Friday XX/XX/scrub>XX/XX/XXXX still has not been initiated by Albert as of XXXX XXXX on Monday XX/XX/XXXX It should have been batches through ACH at XXXX XXXX eastern on XX/XX/XXXX. It was not. It should have then been initiated at XXXX XXXX on XX/XX/XXXX and it was not. This is nothing short of THEFT

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account with an advertised {$500.00} bonus. Multiple customer service representatives confirmed over multiple weeks that all terms for the offer were met and that the bonus would post within 90 days of account opening. It has not. A ticket was created for escalation last week and I was told Id receive a call back within 2-3 business days by the team confirming the bonus was applied, this has not happened.

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

Complaint:
Dear CFPB, I trust this message finds you well. I am writing to bring to your attention the matter regarding a claim made on XX/XX/. 

Upon thorough investigation by the bank, it has been determined that there was no error detected on their end. However, I would like to draw your attention to a discrepancy observed during the transaction in question, supported by an eyewitness account. 

The incident involves a payment to XXXX XXXX XXXX XXXX XXXX  movers, wherein the agreed-upon amount was {$780.00}. Regrettably, only {$480.00} was received by the movers. This occurrence was witnessed by the movers themselves at the automated teller machine ( ATM ). It has been acknowledged that there exists a deficit of {$300.00}, which we are committed to rectifying promptly. 

In the course of discussing this matter with a representative, a brief hold was experienced to review the claim thoroughly. Subsequently, the representative affirmed the validity of the claim. 

We appreciate your attention to this matter and kindly request your assistance in addressing and resolving this discrepancy at your earliest convenience. Your prompt attention to this matter is highly valued. 

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 2023-11-23
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When reviewing an alert on my credit report, I noticed that there was an attempted collection of a debt that does not belong to me. 
This collection company put on my report a series of addresses where I have never lived in order to collect a fraudulent debt. 
It is evident that they used my information to commit fraud. 

I have never requested these types of services and I have never resided at those addresses. I have never had an account with XXXX XXXX XXXX On several occasions I tried to call this collection company, but they did not answer. 

The information of this collection company is : SOUTHWEST RECOVERY SER XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX SOUTHWEST RECOVERY SER Original creditor : XXXX XXXX XXXX Balance {$590.00} Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$590.00} past due as of XX/XX/2023. 
Status updated. 
XX/XX/2023 Fraudulent address provided by this collection company : XXXX XXXX XXXX XXXX XXXX, TX 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: Coast 2 Coast Financial Group, LLC
State: TX
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:
There is an account on my credit report that is reporting late payments in XXXX and XXXX of XXXX which is incorrect. I was never late on this account and XXXX is the only credit reporting agency reporting this information. Furthermore, the statement on my credit report says that it was " past due two or three times ''. This is not accurate reporting and does not meet FCRA guidelines. I am requesting that Coast 2 Coast lenders submit an AUD to XXXX to fix this error. At this time, I am only asking for this account to updated to paid as agreed or removed from my credit report. If this is not fixed within 30 days, I will have no choice but to proceed with legal action due to clear violations of the FCRA and defamation of character. Please see the attached credit report and update this account 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 2024-01-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Specialized Loan Servicing continues to attempt to collect an alleged debt from me. I do not lawfully or legally owe. Per the IRS publication I am entitled to the principal balance and interest from this account. Specialized Loan Servicing is required by law to pay the taxes on this and account accurately report this to the IRS. Specialized Loan Servicing has failed to comply. My promissory note is what is being used as the security in this credit transaction. Specialized Loan Servicing does NOT have possession of the note therefore there can not have a claim for performance. Furthermore I have the higher exclusive equitable claim in ALL of my financial assets and as the beneficiary owner of my estate I am demanding subrogation rights therefore I can not be held more liable than Specialized Loan Servicing nor harmed more than Specialized Loan Servicing. The Federal Reserve Act strictly prohibits banks or financial institutions to require anything other than commercial paper for security so pledging my family home as collateral violated the law and requirements in place by the Federal Reserve Bank who issues the Federal Reserve Notes.

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: AMERISAVE MORTGAGE CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX  obtained a mortgage. Closing disclosure had me for an excessive amount of property tax. I was told with it being a new build I would go to the tax office and get numbers updated and submit to them. Did this No change. They keep assessing XXXX taxes {$4000.00} above what they should be. For XXXX they sent me a XXXX XXXX refund check. I asked them to adjust my escrow and they still haven't done. I was even recently told after my 50th call since XX/XX/XXXX that they had to let it go through a full cycle. Meaning it would have to be a full tax year in the house. That's been done and now as of XXXX XXXX  they are continuing to put my property taxes in excess of {$6100.00}, even though the bill they paid was around {$2800.00} this year and XXXX for XXXX year. I have tried talking to everyone I could no success. This is causing stress and alot of time and money as next steps are legal action. I just need them to adjust my escrow to the right property tax amount. With them being a lender they are illegally taking my money which is helping them finance home loans so I'm basically a lender it's illegal and it has to stop. I feel this is apart of thjer strategy to get consumers to help them with loans, collectively {$6000.00} is impactful. I've called, sent over tax assessments reflecting right amount, requested property taxes be removed from my escrow. Every employee confir.s they can see that it's wrong but resolution is beyond them. I want my money back. Theyvare borrowing money from me monthly. I want interest on my money that I'm losing not having it in savings.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CORELOGIC INC
State: OR
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 am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form XXXX signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.

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: MRS BPO, LLC
State: WA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Checked my credit this morning and was alarmed to find that I had a derogatory collection on my credit. The collection agency isMRS BPO. The original creditor was XXXX XXXX XXXX. I called the collection company and they said the account originated in XXXX, I do not live in XXXX, I live in Washington. I have not had XXXX XXXX XXXX  since XXXX. Please help me investigate this,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I created an account with Citibank in XXXX. I made my first deposit from a check my mom wrote ( I had given her cash to put in her account ) on XX/XX/XXXX. The check cleared from her account ( I have check #, bank info, dates, images of check, etc. ). I received a letter from Citibank shortly after stating they were going to close my account for fraud ( NO CLUE WHY ). It said it would be closed within 60 days and the funds would be sent to me in a check. After 60 days went by without receiving the check, I called Citibank. I was told they couldn't do anything, that my mom 's bank needed to request the funds back. Long story short, my mom and I have both called Citibank fraud department SEVERAL times. We have still not received the funds. Either to my mom 's account or to mine. This needs to be resolved asap.

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 2024-01-23
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today I recived an email saying my account will be closed in 60 do to a account violation. Where the specifc 's are not explain. I was informed that I violated the terms of your account per the client manual. With XXXX explination of what that violation was. This is one of my only checking accounts and I now feel TARGETED after thier action upon thier review.

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: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hey i cant get approved for credit cards on some shopping sites XX/XX/2024 {$500.00} credit thats all i want

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: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The first notice of the fraudulent debt was through a collection action on my credit report. I have received no other notices of this debt, which is fraudulent debt. The collection agency MRS BPO filed the collection action with the credit bureaus, but the debt originated with XXXX XXXX XXXX. I havent done business with XXXX XXXX XXXX for over 10 years. I have received nothing from XXXX XXXX XXXX or MRS BPO notifying me of this account or debt prior to it appearing on my credit report. How is this possible that a derogatory comment can be added to my report without some evidence that an attempt to collect the debt from my valid mailing address, email address or phone number has been made? This isnt consumer protection. As stated, I have not received any notice in any form about this debt nor did I enter into any business agreement with XXXX XXXX XXXX. About the time this fraudulent debt was incurred, XX/XX/2023, an erroneous new address was added to my XXXX credit report. I immediately notified them that the address was not valid now or at any time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX XXXX a transfer was made from my chime bank account for {$7700.00} to a XXXX account that I did not verify, I reported it to chime dispute they emailed me back said I would have my funds back in 2-5 business days. That was not completed so I reached back out a few days later about the same reason I reached out a couple times after that, they said the transaction wasnt unauthorized. After my very last dispute chime decided to close my account without helping me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two creditors saying I have student loans with them. One is XXXX who said they sold to ED Advantage Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies Experian XXXX XXXX Student loans Total balance : {$86000.00} XXXX XXXX XXXX LATE PAYMENT  Balance {$740.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$5700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  Balance {$3700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023

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 2023-12-08
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am victim of identity fraud. I have XXXX accounts in collections that I have never used or opened. And this year I have had my taxes reduced because of it. there are XXXX accounts from midland credit management in XXXX mi. 
the first account opened XXXX XXXX with {$550.00} owed the XXXX account opened XX/XX/2019 with {$470.00} owed the XXXX account opened XX/XX/2019 with {$430.00} owed the XXXX account opened XX/XX/2019 with {$840.00} owed these accounts were from community bank I have been in foster care my whole life everyone has had my social security number at some point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
there are 2 hard inquires in my Equifax credit report were NOT from me. One is from XXXX XXXX  XXXX inquired on XX/XX/2023. The 2nd one is from XXXX XXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( XXXX card and XXXX card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!

Company response to consumer: Closed with explanation