BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, 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:
I accessed my credit report XXXX XXXX XXXX and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to XXXX, and Elan Financial via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.

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 2020-02-06
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello-I listed my home for sale in XXXX  and accepted an offer and sold it in XX/XX/XXXX. I had a deposit on a home in XXXX  to be closer to my elderly parents. Eighteen hrs before the closing on both homes my mortgage lender called to tell me they just found a second lien on my property for $ XXXX. I was unaware if this lien and was not able to purchase the home in XXXX. I had purchased the home in XXXX in XX/XX/XXXX and in XX/XX/XXXX was laid off from my job. Knowing it would be tough to make the mtg pmts I contacted my mtg co. XXXX XXXX XXXX XXXX. They told me that they would do a modification to help me. They would let me skip 1 yr of pmts and after that year they would raise my interest a point, lower my payment and bring me back from 29yrs to 30yrs. I was okay with that. They never told me that they would let HUD put an addt'l lien  for $ XXXX on my property. This lien never showed up on my credit report until 18 hrs before the closing. I did sell the home in XXXX  but had to pay the addt'l lien to HUD. I was not able to purchase the home in XXXX  and am living with a friend for now. I want my $ XXXX back from HUD. XXXX XXXX XXXX XXXX used unfair lending practices and when I contacted FHA the woman I spoke to told me that this was happening to a lot of people. Even if you include interest, PMI and my monthly mtg pmt for that 1 year if would only be around $ 12K. How did HUD get to put a lien on for $ XXXX? I am a XXXX yr old woman who has worked since I was XXXXyrs old, raised my son alone and put him through college. I am now still living paycheck to paycheck and do not know where I will be living in another month or two because of this scam HUD is using on homeowners. Please help me get my $ XXXX back. I have contacted Senators : XXXX XXXX, XXXX XXXX and XXXX XXXX. I have contacted the Attorney Generals Office and the Federal Reserve Commission. So far no one has attempted to get back to me on this matter. I have documents to back this up-will send upon request. 
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 2018-04-08
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Good day, Due to the fact that I have to take care of my mother, home expenses and bills, I have not been making payments or consistent payments to my student loans. The money that was being used to make payment on all loans has now been for my mother, as we live together, care and well being as she does not work. My mother is currently attempting to appeal her XXXX which was stated by the law firm that took on her case as a 18-24 month process as she has been hospitalized with her condition for 16 times within 3 1/2 years. We are currently waiting for her doctors to set up a date for  one or both of her XXXX XXXX. 

I attempted/currently attempting each month to make payments to My Great Lakes which the total owed to them is {$30000.00} as of this date, XX/XX/XXXX. I put whatever I can on it when possible as I am no longer eligible for forbearance according to their website information system. 

Also, I have XXXX XXXX which is {$790.00} as of XX/XX/XXXX and XXXX student loan for {$95.00} a month. When I talked to a representative vial phone call from XXXX XXXX, the gentleman stated that I may not be eligible and that he would submit my information in which time a representative will be emailing me the decision. These has not been paid for 3-4 months as my mother health has been an issue for going on four years now and I have to take care of her and her portions of the bills as we were partnering on all bills for many years. 

In addition, the issue with repayment originally stemmed from the complaint I submitted from XX/XX/XXXX stating that we did not get properly educated with the constant swapping of instructor whether in beginning of the semester, mid-term, etc. We were also misled financially and job opportunity wise. This is part of the exact same reasoning XXXX XXXX XXXX were shutdown immediately in XX/XX/XXXX. This was 6 months after I filed my complaint. I must admit that I did not originally call the Administrative Director over the campus but once my case was closed I then attempted several times to call the Administrative Director with no success and by that time the news of XXXX XXXX closing had already happened. 

I am nowhere close to a good financial situation as I have already did the first step to officially filing bankruptcy by completing the Certificate of Counseling through XXXX XXXX XXXX. Even still, I do not have the {$1800.00} ( {$1500.00} for hiring lawyer and {$330.00} for filing documents ) to even follow through with that. I am also sure that my income tax will be garnished and feel like I am at a dead end. 

My head is spinning in some ways I do not know what to do and need some kind of assistance or relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is that I am a victim of XXXX XXXX 's Great Foreclosure Fraud with Specialized Loan Servicing LLC to foreclosure on my property. Plaintiff A copy of the Order to Docket suit is attached to this complaint. I have lived in the property for 22 years and have been fighting this corruption and fraud since 2006 when the mortgage documents were presented to me. I have detailed the truth in such scandalizing description highlighting the corruption, fraud and intentional deception perpetrated on the American homeowners, Maryland 's Civil Court, and myself by XXXX XXXX banksters, Specialized Loan Servicing LLC, Loan Servicing Companies, and the Plaintiff in my Motion to Dismiss Order to Docket suit with Prejudice as attached with this compliant to CFPB. With my Motion to Dismiss Order to Docket suit with Prejudice, I identify those parties, challenge assignments or transfer of a mortgage note and of deed of trust by a pool performance of my Mortgage loan securitization documents. With my motion I take to force each party to prove a chain of assignment and their legal standing to collect payments and foreclose on my property.

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 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX led eventually to a TransUnion webpage, which demanded a telephone number. The form rejected the Truth : I am burdened with no telephone service, as XXXX refuses to provide the service for which I qualify and have applied. 

After the TransUnion rejection, the system stopped, refusing to proceed to 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 2020-10-15
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was a collection added to my credit file from XXXX XXXX. It was placed with XXXX   today XX/XX/2020 and with XXXX  and Equifax last week. I dont have any business with this collection agency nor the original creditor. This is a bogus collection account that does not belong to me. I disputed with XXXX  which it was removed. Ive tried disputing with Equifax and XXXX  and I keep getting an error message. Equifax will not let me get thru the phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The account as per XXXX XXXX  stated the account was opened in 2018. I had lost my wallet and i had all my information in my wallet. I had attempted to have every single document that I had in my wallet replaced social security card, birth certificate, driver license etc. I am not responsible for this debt due to FCRA requirements. 

Please remove this off my credit the account was fraudulently made. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Companys are report false information to my credit report, my biological mother has the same name, my aunt has also used my name, I cnt afford to hire a lawyer. False information on my credit report.

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 2018-03-08
Company: E. A. Uffman & Associates, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account with XXXX XXXX XXXX ( XXXX ) was transferred to me in XX/XX/XXXX from XXXX XXXX, landlord. When the account was placed in my name, there was no balance on the account. During the billing cycle of XX/XX/XXXX to XX/XX/XXXX, the air conditioning was broken. This was reported to the landlord prior to the first bill being issued, and she stated that the a/c was checked prior to being rented and transferred. It was explained to the landlord that the a/c was broken prior to the XXXX and XXXX billing cycle. I paid a third party to inspect the a/c unit, and it was confirmed that the a/c unit was indeed broken due to faulty duct work. When this was explained to the landlord, she informed me that all that could be done is installation of a window unit. After the landlord arrived at the house to install the window unit, she confirmed that there was an issue with the a/c unit. The landlord and I made an agreement/arrangement in regards to covering the costs of the expensive bills accumulated during the time that the a/c unit was broken. The agreement was that I was to pay {$200.00} of the first and {$200.00} of the second billing cycle, and that she would cover the cost of the remaining balance which was {$730.00}. I paid my portion of {$200.00} for the first bill and {$230.00} for the second bill ( total : {$440.00} ), and she paid {$230.00} towards the first bill only. There is now a remaining balance of {$500.00} ; which was showing past due and is now being reported on my credit reports by a collection agency ( XXXX XXXX ). I have multiple text messages where the landlord confirmed this agreement/arrangement. When I spoke with XXXX, they were informed of the agreement and stated that an extension was not needed if the balance was to be paid. I also have copies of receipts of all transactions. A final/disconnect bill was received and paid by me minus the {$500.00} that the landlord is responsible for. This dept belongs to my previous landlord, 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 2020-10-10
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXXn I got a Personal Loan from Speedy Cash. 

I did follow with the payment arrangements until later XX/XX/XXXX when I couldn't continue with them due to personal issues. 

Taking the current situation, I'm not in a position to pay this loan, therefore AD Astra Recovery Serv. is  charging me XXXX . 

Thank you ahead for helping me resolve this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Prior to Coinbase notifying customers that their merchant code changed such that credit card purchases would be coded as cash advances, they continued to represent that credit card purchases would not be treated as cash advances. Despite this, they have refused to refund cash advance fees charged by credit card companies from the time that such purchases were treated as cash advances until they gave proper notification of their merchant code had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good afternoon, On my last statement dated XX/XX/2018, I was charged a late fee of {$20.00} because my last payment was received one day late - according to Citibank. Please note that my entire balance was only {$20.00}, which was paid in full. I paid this through my credit union bill payment service and the payment was supposed to be there on time. I don't know why Citibank did not receive the payment on the correct date. I asked Citibank for a refund and they refused. No wonder people hate big banks in America! 

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 monetary relief
Consumer complaint received 2021-03-03
Company: FISERV INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX/XXXX/3021 Spoke to First Data about a lease that I am no longer liable for, I was the first contract for the leased equipment. When I sold my business the sales rep XXXX XXXX rewrote the contract into the new owners name. Now I find out that new owner sold the business again and the 3rd owner signed the contract on the equipment. I received a letter in the mail stating that I am responsible for the bills now that the 3rd owner isnt paying for the leased equipment. I spoke to my sales rep and she is trying to get the guy to pay for the equipment but he wont. I am not responsible for a contract that I terminated over 2 years ago and has since been rewritten twice to two other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Other fee

Complaint:
The Macy 's credit card charges a minimum {$2.00} fee that I was n't aware of. 

Between XXXX XXXX and XXXX XXXX, I had a balance on the Macy 's store card of {$120.00}. I paid that balance off on XXXX XXXX. Because I had a balance between XXXX XXXX and XXXX XXXX, I was charged a " MINIMUM INTEREST CHARGE '' of {$2.00}. 

I called Macy 's to inquire about this {$2.00} charge since I have never seen it before and certainly not what I signed up for. To my surprise, their automated phone system gave me the option of removing that {$2.00} interest charge as a " courtesy ''. 

I believe this this practice to be illegal since the interest on a {$120.00} for 4 days that the balance carried over with my current APR of 24.75 % is no where close to {$2.00}. 

I would like Macy 's to be investigated for this practice.

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 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Problem with personal statement of dispute

Complaint:
I spoke with Kohls Charge personal on the phone in 2016 and agin in on my last phone interview with Kohls Credit.

I was told that the late payment in XX/XX/2016 would be removed if I filed an dispute.

I was told both the call were recorded.

Please, have the fraud department audit the calls and remove the late pay.

I also tried to pay the amount due the week of the charge and was told I could not pay until it posted.

The above was at the XXXX  Customer Service Department on the week of the Charge. I called the # on the Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: Synovus Bank
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In trying to build a credit history through a credit repair comp ( XXXX XXXX ) I decided to apply for a credit card. In reading the information about the card they offered a Secured credit card and it read I need to pay {$99.00} in order to open a account. I'm a little cynical about so I read on the Internet but it offered that I could initially pay the processing fee and in 30 days pay the {$99.00} by the XX/XX/XXXX or 30 days. I paid it at the beginning of the month and I decided to check if they received the money because it was the first time using online bill pay through the bank. Well they tell yes they received it and when I pay an additional {$99.00} then I can activate the card. I tried to explain that was not what I read. And if it requires {$200.00} then didn't it asked that in the beginning. I feared it could be a scam but it seems like it might be legit. Regardless I requested my money back and they told me of some long process by which they will mail me a check. I thought when we went electronic we eliminated the lengthy process of mailing a letter. So to me they are sitting on my money to draw the interest then after they make money off of people who are on the lowest rung of the financial ladder. It's already ridiculous the interest rates themselves is gouging unnecessarily. The woman who I spoke to basically hung up on me as if to say ..Deal with it!! And they refuse to return the processing fee. Is this the personality of our Financial Institutions??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Someone stole my check and wrote a check to herself for the amount of {$5500.00} and signed the check herself forging my signature. The signature did not even look like my signature. Union Bank ( XXXX XXXX in XXXX XXXX, address is : XXXX XXXX XXXX, XXXX XXXX, CA ) did not verify my signature and cashed the check. They should have verified my signature specially for this large amount. Union Bank made a big mistake. And now they are not giving me back my money. I talked to the branch manager, XXXX XXXX XXXX regarding giving me back the money back. I had another similar situation before. XXXX XXXX gave me back the money but he also forced me to sign a form that if there is any more trouble with Union Bank will not be responsible. He did not explain to me what I was signing. And this time, he does not care about me losing money. He does not care that Union Bank made this mistake. 
I feel that I am a victim again. Not only by the person who stole my check, but also a victim by Union bank. 
I reported this to the police. Case number is XXXX. Copy of the police report is attached. 
My English is not very good, please contact my realtor, XXXX on behalf of XXXX XXXX email XXXX and cell phone ( XXXX ) XXXX and address XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 2019-02-06
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A man called demanding to speak with me. He rattled off my entire name ( including maiden and married ), address and last 4 of my social. When i asked who was calling he again rattled off the information and stated that if i wasnt going to confirm the information was correct he wasnt going to tell me who he was. I informed him i would not be confirming or denying anything until he told me who he was and what company he represented. He then he responded with " this is XXXX  XXXX XXXX. I have an important matter to discuss regarding the debt owed to us now confirm the information! '' When i again refused and asked for him to tell me his name and which creditor he represented he said " i already told you. When you get your XXXX together and are ready to cooperate call us back XXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief