BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-27
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
beginning in XX/XX/XXXX and ending in XX/XX/XXXX, M & T bank cashed more than 20 checks over {$5000.00} each without my signature and has refused to give us the money back -- despite the fact that the person they gave the money to has been apprehended and he never even claimed that I signed the checks M & T bank wrongly cashed nor did he claim that i owed him money or even knew him. Investigation and bank officials agree that a confederate of his stole blank checks from me. when i answered yes to the question of whether the bank had given me copies of the illegally signed checks that was only partly right ( you only gave me the options of yes or no-not " partly '' which would have been the correct answer )

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: Berlin-Wheeler, Inc. (Kansas)
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection on my credit report in the amount of {$420.00} showing creditor as XXXX XXXX when I have never used XXXX XXXX before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of the end of XXXX, I was no longer living in that apartment. I called to cancel my XXXX account but I am assuming it was never cancelled. I have not been using service at apartment. I have tried contacting a supervisor at Utility company with no response. This debt is not mine as I was not living there when it occurred.

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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was a victim of a XXXX XXXX XXXX XXXX scam on XX/XX/XXXX. I was convinced by an imposter, posing as a Citibank fraud investigator to XXXX {$2500.00}, in 4 amounts, to a Citibank investigation number, which turned out to be a phone number in the XXXX. 

Citibank has declined to reimburse me, despite being a 27 year loyal customer AND all the changes in XXXX policies that were instituted in XXXX. These changes were in response to a congressional oversight investigation, led by Senator XXXX XXXX. 

XXXX XXXX has been after the 7 large banks that own XXXX to reimburse their customers of imposter fraud, and in a report from XX/XX/XXXX accused the banks of breaking their promises to their customers and potentially violating federal law by not refunding victims of rampant fraud and theft on XXXX. 

I have reported the fraud to Citibank, and am on my second appeal, after 2 denials for reimbursement. 

Further, as I am XXXX XXXX XXXX XXXX, this is now considered XXXX abuse/fraud. 

I hope and pray the CFPB can assist me in being reimbursed. This is causing my family considerable financial hardship. I am feeling first violated by the imposter and secondly violated by Citibanks refusal to help me.

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: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX Ive ordered Macys gift cards # XXXX {$190.00} e-gift card, {$100.00} physical gift card. On XX/XX/XXXX Ive received e-gift card. Per Macys delivery history,2- 3days ( I dont remember exact date ) Ive received physical gift card. Ive contacted to Macys and I let them know I havent received gift card, I requested cancel funds from this card. Ive contacted multiple times, on XX/XX/XXXX and I was assured funds from both cards will be transferred funds from gift cards to my Macys credit card, I was told it will take 7-10 business days. Than Ive contacted again, I was told wait a few more days. 
On XXXX XXXX Ive contacted supervisor, XXXX XXXX, Ive explained my situation, I was told XX/XX/XXXX request did not process. He told me he put manual request and he sent me email. On XX/XX/XXXX Ive contacted supervisor XXXX XXXX, I informed him Im going to file complaint about Macys, he asked me wait until XXXX XXXX and as accommodation issued {$30.00} Macys XXXX XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX, she told me wait until XX/XX/XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX he told me my request declined. I did not receive physical gift card, I did not redeemed e-gift card. After 2 months struggle I lost my {$290.00} ( {$100.00} physical card, {$190.00} e-gift card ).

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: Mutual Management Services LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The information listed below was added to my credit report without my consent. Please verify if this information is correct or Im requesting that it is removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I began a VA loan assumption with Mr. Cooper in XX/XX/. I was immediately aware of their advertised 4-6mo assumption process, but not aware this violated my rights under Regulation Z. They received all the required documents on XX/XX/XXXX. I received complete silence of any information or contact on their end. Over the course of the next month I called on average once a week and had to pry any information or timelines out of their customer service department. After taking it to their escalations department for a second time I was told I will be contacted by a loan officer on XX/XX/XXXX. This puts this above the 30 day ( 45, with notice of extension ) without any written ( email or otherwise ) notice from them. I will likely not have a loan estimate nor closing disclosures sent to me in the timeline required by the CFPB and have been forced to push the closing date to end of XXXX Furthermore, it is clear that Mr. Cooper has done everything in their power to dissuade their customers and borrowers from exercising their right of loan assumption. The examples I've ran into so far are : - Countless warnings of a 4-6 month process because they are " backed up '' and have been since rates increased. 
- A false written statement in their assumptions package : " Please be advised, the loan is not assumable according to the terms of the Note, if an unrelated third party is requesting to assume the debt. '' ( see 1st page, end of paragraph 2, on attached ) - Their escalations department stating my rights are not protected under the CFPB when attempting a credit qualifying assumption. 
- A complete lack of communication on documents needed and timelines for contact or next steps.

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: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
This case is to be attach with My XXXX XXXX XXXX XXXX filed on XX/XX/XXXX mob # XXXX both of us is on the mortgage deed and title. 
I spoke to our lawyer he side dont need to sign any more papers. He did every thing at closing so why is well fargo threatening my husband and I to sign for package of papers about 45 pages. They are doing fraud we dont know who to trust if we have a home that we work hard for. Well FARGO EMPLOYEES discriminated against us and give us fraudulent contract to sign which need to be investigated by CFPB. I am doing a case under my name with more information Wells Fargo have to answer since my husband submitted new information about his case today XX/XX/XXXX that is why he withdrew the previous case. And when we look at what we down loaded someone at your company CFPB is removing important information and the down load proof papers he submitted is all mix up and not in order so I I putting every thing we need to address so all our questions will be answer since XXXX XXXX at Wells Fargo told us we cant withdraw our case and she was consent if I will send all the fax I sent her which I put in my husband case but it is missing when we check. Every document is numbered on my case on each paper. On a peace of paper attach. Starting with number 1-50pages 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 2024-02-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
This loan servicer Specialized Loan Servicing ( SLS ) took over this HeLOC years after it was originated in XXXX. XXXX XXXX XXXX, the originator went bankrupt in XXXX. The original amount was {$150000.00}, it is now over {$300000.00}. I filed a lawsuit last summer, citing violations and my attorney said that the one your statute limitations that I had to file had passed. I knew nothing about the one-year statute limitations that lenders enjoy while they have a 30-year statute limitations to enforce mortgage paper that private investment groups buy up for pennies on the dollar. I was forced to sign a settlement agreement saying that I would not sue them. I Now face and looming sale date, and although they have offered me loan mitigation, the down payment that they are requiring is outrageously high. They referred me to a lender that they are referring to many of their files that are in similar status that can refinance my first and second into one loan. In my discussions with this lender, I was told that I do indeed qualify for financing according to my income and credit, and the loan-to-value ratio, but because the title is showing this SLS foreclosure, this potentially new lender will not take action. SLS could rescind the sale date so that I can have time to qualify for this take-out funding. They have just lied and waited until there's enough equity for them to swoop in and force my wife and children out of our 24-year family home. Some enterprising attorney needs to file a class action against these predatory loan servicing companies that simply play the game of " extend and pretend ''. I will be able to meet some kind of mitigation arrangement with them if they will give us the time to gather the resources.

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: Paramount GR Holdings, LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We have a contract for 300 payments at XXXX per month done with auto pay for our solar loan and are informed by Goodleap that the truth in lending letter was provided. The letter details 300 payments but does not provide information showing the loan of {$40000.00} at 1.99 % interest has been fulfilled at the end of 300 payments. My wife and I are XXXX and XXXX XXXX XXXX. Our multiple contacts over the phone to Goodleap have resulted in evasive answers to our requests for payoff information over entire the course of the loan. To this date ( since loan inception on XX/XX/XXXX ) we have never been provided with a billing statement showing billing credits and loan balance. Our concern is that at the end of the 300 payments we could still owe a significant amount of money. Both Goodleap representatives contacted on both XX/XX/XXXX and XX/XX/XXXX stated they could not provide the information requested, only a billing statement for which we still have not received. I am very concerned that Goodleap is misrepresenting the product in violation of truth in lending laws and consumer protections for the elderly.

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 2024-02-02
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ONEADVANTEGE IT A SCAMMER COMPANY DIDINT HAVE VALID COMMUNICATION PHONE AND DON'T AWMSER ANY COSTUMERS REQUEST PLEASE HELPPPP

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Back on XX/XX/XXXX an pandemic unemployment account was created in my name. The card was sent to the assailant address. i found this information out when i received a notice stating that i had to pay a over payment from unemployment back. Unemployment had 3 addresses on file under my name. 2 that belong to the assailant and one that belong to myself. Back in XXXX i Tried to apply for pandemic unemployment and i was locked out. It stated an account was already created. I Called Bank Of America i gave them my address. They advise me that was Not the address on file. I asked them could i change on file or could they give me the address they had on file. She stated NO, they couldn't give me the address they had on file and if i needed to make any changes i had to contact Maryland unemployment. I tried contacting Maryland unemployment for months with NO luck. I them received a notice about an over payment. via email. I tried emailing, calling, and visiting the building. no one answered email, the phone lines was still busy, and building still closed. I filed a police report with XXXX XXXX Police Department in XXXX about identity theft because at this point i have received SEVERAL notice of someone using my Social security number and DL. In XX/XX/XXXX i had to make an appointment with XXXX ( XXXX XXXX XXXX ) to report that my DL was stolen and the same day i was reporting that someone was creating a Social security account having a SS card mailed to them. I couldn't get a dup DL until XXXX of XXXX a month after an Unemployment account was created. i have submitted so much evidence police reports, XXXX reports, Social security administration letters stating fraud was created, i have disputed BOA transactions from day XXXX XX/XX/XXXX just to continuously get denied. i have provided ALL documentation and still DENIED. I have even provided the information and address of the person that committed the crime. Still DENIED. Once i sent my DL via fax they Finally changed my address to my Correct address after serval attempts of trying to give them my correct address. Once they changed my address all i ever received was denial letters from the disputes about the whole ordeal.

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: Huntington Debt Holding LLC
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I XXXX  {$250.00} to XXXX XXXX ON XX/XX/2023 REF # XXXX which is my sister. Through Wells Fargo bank. They claimed that I send the money to a closed account. So I request for my {$250.00} back. The very same day when my sister said she did not receive the money. WELLS FARGO claimed they can not return the money. And could not find the money. I have been trying to get my money back for almost 4, months and its falling to death ears I am retired and is in a fixed income and can not afford to lose this money usually if someone catch the problem on time the back will reverse the charges. Not in this case. WELLS FARGO refused to give me my money back. I am a XXXX, years old XXXX  I dont know what else to do. please help me. Thank you. 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 2024-01-17
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I dont have the dates or amounts because its been a year or so ago but there have been alot of transactions that didnt make sense to me. 
Regions Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am now trying to update my information with regions Bank on closed account information so they can have the updated addresses for three accounts that I have and they keep giving me a number with a repeating recording that does not provide any information the number that they provide to me is XXXX which does not give me the option to update my address so the letters that they provide on closed accounts to receive the compensation settlement can be directed to the correct address?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received a denial for an auto loan on XX/XX/. This Notice of our Decision Letter states it was based on my XXXX Credit Report. Regardless of the reason for being denied I have the right to credit. Withholding my access to securities is securities fraud. This corporation USAA and XXXX are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Title 15 USC 1691a states it is unlawful for any creditor to discriminate against any applicant. The Truth and Lending Act protects consumers from inaccurate and unfair credit and billing practices. Reporting to a consumer agency is voluntary according to the CFPB. In fact denial of my right to credit caused me distress. There are no federal laws stating a credit score can deny my right to extended credit. 

XXXX XXXX XXXX, Beneficiary

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: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I have been trying to sell the home for almost a year now. The first time I was told I can't short sale because of the liens on the home. Now I my agent has tried to work again with Midland Mortgage with selling the home..they are asking me to list the home for more than what I owe..we have found a buyer and submitted the paperwork in several times and Midland Mortgage always seems to come with a reason as to why the short sale can not go thru. Midland Mortgage has closed the case without mine or agent knowledge and they keep requesting the same info from the agent that she has provided to them several times. They are doing everything for this buyer to walk away it has been almost XXXX we have been going back and fourth with this and it is ridiculous.

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