BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2024 I deposited a check for {$12000.00} into my checking account in order to pay off a car loan we had with USAA. 

XX/XX/2024 I checked my account to ensure check had posted and confirmed I had {$18000.00} in my checking account ( {$12000.00} from check deposit and {$6300.00} of my own money ). I used {$12000.00} to pay off an auto loan from USAA that I owed on thereby paying off loan in full. 

XX/XX/2024 I checked my account only to discover that I was over drawn by {$6200.00}. I called USAA and they stated the check I deposited to pay of the loan despite the fact that it had posted to my account had actually bounced and instead of contacting me they withdrew all my money in my checking account leaving with a negative balance of - {$6200.00}. I never authorized USAA to withdraw money from my account and would never have paid off a loan with money I didnt have. 
Spoke with USAA representatives multiple times over the next week and could never get an explanation as to why they withdrew money without my authorization. This is still not resolved and I still carry a negative balance. USAA has been absolutely terrible to deal with and provides no support at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My name is XXXX XXXX I here to complain against Comdata cardholder so here is the reason am filling a complaint against Comdata am a Comdata cardholder payroll so I claimed a dispute twice first they never listen it was early XXXX and second time it was the end of XXXX which I claimed a dispute transaction so then XXXX XXXX I have received an email from Comdata dispute team said they starting investigation which was late to and today Monday XX/XX/XXXX i tried to follow any updates and met bad update decision denied so it was clear for me the dispute team they never tried investigation and i didn't get help and the transaction made by XXXX XXXX with me knowing so it was unauthorized transactions it was a lot of money i need help to get my money thanks.

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 2024-01-09
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022 was the date it was added to my credit report. 
The company said I owe them {$1400.00}. 
I did a police report and sent it to 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 explanation
Consumer complaint received 2024-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX things like that, and on XXXX of XXXX I was finally released to go home I beet XXXX. As I get to my house I notice all my windows have been boarded up and everything I own is gone I called the police made a police report sent that to the bank and also my discharge papers that showed the date I was admitted and the date I was discharged.and they keep denying my claim 7 times now.

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 2024-01-09
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I got scam online with fake crypto trading. I use Kraken and XXXX to wire money from XXXX XXXX  to buy XXXX and transfer to XXXX wallet app and finally to the fake trading platform. I wired money 4 times with Kraken dated XX/XX/XXXX  {$99000.00}, XX/XX/XXXX  {$98000.00}, XX/XX/XXXX  {$60000.00} and XX/XX/XXXX  {$99000.00}. The last transfer were hold and reverse back to XXXX XXXX. This is the email from their support. 

XXXX ( Kraken Support ) XX/XX/, XXXX PST Hello XXXX, Thank you for your patience. 

Unfortunately, we must inform you that we will be closing your Kraken account. For security purposes, we can not disclose the reason for this action. Your deposit is being returned to your sending bank, please double check your bank statement for confirmation of the return. 

Please also complete the following actions within the next 72 hours ( from the time and date of this message ) : Convert your XXXX  to cash. 
Withdraw your remaining balance to the bank account you previously used to fund your account ending in XXXX. 
Export all your trade and ledger history as we will be unable to provide it to you later.

Deposit services have already been disabled for your account. After the 72 hours have passed, your account will be closed. 

Kindly note that you can not open another Kraken account. We may reach out to you if we require additional documentation. 

We appreciate your understanding. 

Because of that I rewire the money again this time to XXXX dated XX/XX/2023 {$99000.00} and send again fund to the fake trading platform. 

I believe Kraken already know that I'm a victim of ongoing scam and they decide not to protect me as their customer by closing my account and not disclosing the scam that presently ongoing. 

I don't have information on my account anymore only the request # 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 2024-01-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PROCOLLECT is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with PROCOLLECT or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.

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 2024-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I cancelled a scheduled transaction from my USAA savings account in the amount of {$3900.00} for a mortgage payment that was due on XX/XX/XXXX. I received confirmation in my USAA portal that the transaction was cancelled. However, on XX/XX/XXXX I saw that the transaction was not cancelled and the payment was actually processed! In addition when I cancelled the scheduled transaction I went and made a payment to my mortgage company in person on XX/XX/XXXX with a check from my savings account. Because the payment was already processed it resulted in a double payment but there was not enough money in the account to cover it. Therefore it resulted in my check being returned for insufficient funds and I will be responsible for overdraft fees!! USAA is the most incompetent financial institution I have ever dealt with and they take no accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX and XXXX I disputed these two accounts on my credit report SBA never late XXXXXXXX XXXX never late I supplied information to transunion that payments were made on time and it should ve current. Transunion never sent me results and never looked into this matter. XXXX updated my account as paid off but late payments remained. Transunion did not verify the information therefore both accounts should be deleted off my report. 
XXXX XXXX personal loan not my account disputed many times and ask for my signature on contract, transunion failed to furnish me with that snd never sent results. This item should be deleted off my credit report 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 non-monetary relief
Consumer complaint received 2024-01-09
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
At approximately XXXX on XX/XX/2004, I tried to send {$30.00} from my checking account to my daughter via XXXX XXXX however, the transaction would not go through. I called the number provided on the screen and was informed that a " hold '' had been placed on my account. The first CSR that I spoke to could not provide an explanation as to why a hold was placed on the account, so I asked to speak to a supervisor. Another CSR took the call and advised that the hold had been placed by M & T 's Security Department, however, there were notes in the system as to what prompted or triggered the hold. I asked to have my call escalated to see if a manager could provide a reasonable explanation as to why I would have to physically go to a branch to provide identification in order to have to have the hold removed. The next person I spoke to confirmed that, not only would I have to go to a branch, but I also would not be able to access funds from the ATM and stated that the bank manager would more than likely not be able to provide documentation as to the reason for my account being placed on hold. I am a former XXXX XXXX XXXX and currently an XXXX XXXX XXXX. I know that there were no XXXX-related activities that triggered the hold, nor were there any unusual transactions ; I occasionally use XXXX to send funds . I didn't receive any alerts regarding my account being compromised ; I could have been stranded or stuck in a precarious situation had I not tried to access funds this evening. I don't understand how a financial institution can arbitrarily place a hold on my funds, without some recourse to resolve the issue in a timely manner. I could have answered security questions or uploaded a copy of my identification ; however, neither was an option. No staff or department was able to override the hold and there was absolutely no information available to me. I was trying to send money to my daughter who is taking care of my XXXX father, who was taken to the ER earlier today. Thank XXXX I am in a position to have several available sources of funds ; M & T is my primary bank. I know something like this could have caused serious hardship for many consumers. There has to be some accountability. I will also be filing a complaint with my XXXX XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

There has been improper use of my credit and there are multiple charged off accounts certificates of indebtedness which are now income and need to be paid as agreed I need this done in each of my credit reports with XXXX XXXX XXXX and 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 2024-01-05
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:
On XX/XX/XXXX, plus or minus a day or two, my checking account was compromised. A representative from Wells Fargo notified me and I immediately changed my account. A week later my debit card was compromised and again, that card was canceled and a new card issued. But here is where the problems begin. The new debit card was mailed to a different address than where I live. I gave no permission to this nor did I give a pin number to said person as Wells Fargo claims center continually keeps telling me I did. So after seven days, I went to bank and told them I had not yet received my new card. When teller looked up to trace she told me it was sent to an address in Texas. The teller also informed me that XXXX $ had been transferred from my savings to my checking/debit account and many transactions had been made. ( a total of XXXX $ ) We immediately canceled this card and again a new card was issued and scheduled to be delivered. When I received a letter from Wells Fargo about my new card that was scheduled to arrive, my address was correct. So I looked back on a the previous letter sent to me about the compromised card, there was no address listed. I have filed three complaints for Wells Fargo to investigate. The only response they keep giving me is that it is my fault. Please look further into this as I DO NOT : 1 ) give permission to mail my new debit to someone in Texas 2 ) know anyone in Texas claim # : 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 monetary relief
Consumer complaint received 2024-01-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XXXX XXXX  a letter was sent to me stating that my escrow payment was increasing by a large amount that was not justified by property tax or insurance increases. I called the company in XXXX and asked why such a large increase. I was not given an answer and I asked for a supervisor. When the supervisor came on the phone, she stated that they have the right to increase it and would not give me a Justifiable reason. I told her my property tax and insurance did not increase by that much to Justify such a large increase in payment. She ended up hanging up on me without giving me a reason for the increase. I have tried to call them back and have not gotten any returned calls from management as requested. I can not afford the increase. They have increased it every year Ive had them. They increased it a large amount last year and did not give me a reason. Now this year they increased it even more. They are increasing my payment to make my mortgage unfavorable because my interest rate is so low. Thats why they push refinancing which is not an option at this point. I should not be forced to refinance by a company that just keeps increasing my mortgage payment every year to make it unaffordable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: Consumer Legal Group, P.C.
State: OH
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Well I signed with consumer legal group to fix my debt. Because on the phone with them they told me everything I wanted to hear not everything they were really about. They said I wouldn't have to do or even worry about anything it's on all on them now. I just make my payments they will get my payments to the bank and in 3 years debt free and credit back to normal in one year from signing day. I'm thinking this is great. Then I get a call from XXXX which explained how consumer really operates. And they told me how consumer don't make payments to anyone they just hold the money and whelp in my case keep it. Cause I was told by XXXX to request a refund from consumer and by law. So I was gon na take that refund and give it to XXXX to fix my credit. Consumer denied my refund. So XXXX gave me your info to file this. Basically consumer is lying to people. And when they have u sign the agreement they dont give u time to look it over to catch them in all their lies it sign this sign that send it right back ro me ill wait. Is what they say.Can u please help. All I is a refund

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03
Company: BROKER SOLUTIONS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Hello, My issue is getting in a payment for fees, and the start of the process. Since the begining miscommunication, and now that the final fee they sent is owed. I sent in an ACH payment on XX/XX/. The payment was not processed. XXXX XXXX is now telling me that my bank is to notify them when a payment has been made to their company. This makes no sense as they are requesting the payment. They did not process or did anything for weeks about my application. Then once they moved on the loan the terms for their XXXX  program changed. I was then put into a program, where I was put under pressure to sell my home quickly and since rates were fluxuating it took a minute to sell. Then on top of it, I was charged rent, fees and XXXX. XXXX for move in fees. The XXXX stated that was only a deposit, if damages were incurred while moving in. I paid that fee and now I am being charged for it again from this company. I feel this is just a fee, and when I mention to the XXXX team about it. They just said those are fees incurred. This company now is asking for the fee of XXXX. I emailed and mention to them. I paid it and used their XXXX form. There now saying the bank needs to notify them. I feel this company is just making it very difficult to work with. I am very frusterated as it seems they do not know what they are doing. They should not be listed in XXXX XXXX if they can not provide a service correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I signed up for unemployment and when I to an online account I found out that the reason I couldn't get my unemployment before because someone else was receiving my money. So I spoke with XXXX and was told to contact bank of America to get my missing money. I filed a claim with them on XX/XX/ 2023 for XXXX and then received three letters stating that they closed three claims on the XXXX and I didn't filed any of them so I called and they didn't tell me when they were filed or when and the claim I did filed was closed also. But I never received a letter for my claim I filed and was told it was closed the same day I filed and was not given an explanation as of why. They won't send me a card and I don't know why. They will not give me an answer as to why they did any of this. I tried to file for unemployment at the time but was just told I couldn't .And when I filed two months ago I found out that the reason I couldn't is because someone else and I don't know who was receiving my money but was never informed of that when trying to file. They closed my claim the same day I filed and I never was told why or got a letter. I don't understand why they closed my claim the same day I filed but I know for sure that I never received any of that money and who ever was stoped receiving it because they had no way to identify me. There no way they investigated my claim In a couple of hours. I was told by XXXX to file my claim but bank of America is not completed my claim without paying me my money or taken the proper way to complete my claim I want to do this the right way but the people in the claims department is making things difficult for me. I can talk to my lawyer to see if I can file a lawsuit against this bank. I read the injunction that was filed and I see that this bank is no following the rules of that injunction. I was never given an explanation, provisions credit, or my claim was never investigated at all. I swear that this statement is the truth and nothing but the truth so help me God.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