BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: LAND HOME FINANCIAL SERVICES
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I refinanced my home in XX/XX/2020. Prior to refinancing, I was set up in auto pay so my mortgage plus additional principle was automatically deducted at the beginning of every month. I cancelled this at the end of XXXX ... Unfortunately, I was too late and my XXXX payment was deducted ( ~ {$1600.00} ) ... Land Home Financial Services provided the loan and was supposed to pay me back within 30 days by check ... I never ( and still haven't ) received it ... Since then, I've called/talked to them several time where they've stated a check is in the mail and it can take time to arrive ... When the checks don't arrive, they've ( supposedly ) cancelled them and issued new ones ... This has happened 3 times since we initially spoke, I believe the dates were : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. When I spoke to them last, I offered to drive to their office in the XXXX area to pick up the check or asked if they can send it via a carrier for sign off ... They said this is not an option and they can only send through standard mail. With all this going on, I'm receiving all my other mail with no issues ... This includes utility and credit card billing statements, personal mail, magazine subscriptions, and everything else ... This has been going on for +4 months. I'm extremely disappointed in Land Home Financial Services. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018, at what appeared to be a legitimate request by our title company in the course of a pending real estate transaction, two wire transfers of {$65000.00} each were received by a Citibank customer illegally posing as the title company 's escrow agent. 

Despite glaring inconsistencies in the name of the wire 's beneficiary, the beneficiarys address and reference data, Citibank failed to take simple and adequate measures to flag the suspicious acitivity and prevent this fraud. 

Furthermore Citibank did not act expeditiously nor according to industry standard policies, procedures and best practices, including sending a simple service wire back to one or both of the originating banks to request clarification due the inconsistent data ( before funds are made available to the account in question ), which would most certainly have alerted the parties to this illicit activity and prevented the fraud entirely. 

After nearly 6 days of activity, including depleting the account of funds through walk-up teller withdrawals, ATM withdrawals and large debit card purchases, Citibank finally froze the account in question and alerted the rightful beneficiary on XX/XX/2018. 

Despite the freeze, to add insult to injury, suspicious purchases continued to clear and debit the account for a number of days after we were notified of the scam. 

After nearly two weeks, on XX/XX/2018, Citibank finally returned just {$80000.00} of the original {$130000.00} to the originating banks representing an immediate loss of nearly {$50000.00} - in addition losses incurred as a result of the delayed real estate transaction. 

We promptly escalated the issue to the Citibank Executive Response Unit and requested a reimbursement of the balance of {$49000.00} that Citibank 's customer was able to leverage the institution to unlawfully obtain and withdraw. 

On XX/XX/2018, despite not taking adequate measures to protect my family and me as consumers, Citibank, citing a grossly out-dated provision of the Uniform Commercial Code, refused to take any responsibility, and alleged that no bank error had occurred. The bank informed us that it will not reimburse us for any of the losses sustained. 

Although it is assumed that Citibank possesses enough human and technological resources to address this increasingly common type of fraud, and it appears that there were significant oversights that enabled a bad actor ( a term used by Citibank security ) to use the bank to steal a significant amount of our money, the bank 's response has been nonetheless surprising.

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 2020-05-12
Company: JPMORGAN CHASE & CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
DUE TO COVID-19, I CALLED CHASE AND SPOKE WITH A REPRESENTATIVE ( XXXX ) ON XX/XX/XXXX OR XXXX AND ASKED DUE TO COVID-19 ARE THEY REPORTING TO THE CREDIT BUREAU, IF THE AUTO NOTE OF XXXX IS LATE, DUE TO SPOUSE OUT OF WORK DUE TO COVD-19 AND WAITING ON UNEMPLOYMENT. THIS WAS THE FIRST TIME THE AUTO NOTE HAS BEEN OVER 30 DAYS PASS DUE. I WAS ADVISED THAT NO WE ARE NOT REPORTING ANY LATE PAYMENTS AT THIS TIME, DUE TO COVID-19. SO THE AUTO NOTE FOR XXXX PAYMENT WAS DUE BY XX/XX/XXXX, THE PAYMENT WAS MADE ON XX/XX/XXXX. ON XX/XX/XXXX I RECEIVED A NOTIFICATION FROM XXXX XXXX   THAT I HAVE A LATE PAYMENT THAT WAS POSTED TO MY ACCOUNT. I CALLED CHASE BACK ON XX/XX/XXXX THE REPRESENTATIVE I SPOKE WITH ADVISED ME, FOR US NOT TO REPORT A LATE PAYMENT YOU HAVE TO APPLY FOR A EXT DUE TO COVID-19. I EXPLAINED TO HER THAT THE REPRESENTATIVE I SPOKE WITH, BEFORE HER DIDN'T EXPLAIN THAT I HAVE TO APPLY FOR THE EXT. PAYMENT NOT TO RECEIVE A LATE PAYMENT ON MY CREDIT. SO I WAS TRANSFER TO A SUPERVISOR, WHERE IS WAS TOLD THAT THE CALL FROM XX/XX/XXXX OR XXXX WITH XXXX WILL BE REVIEWED, AND SHE WILL CALL ME BACK, SUPERVISOR CALLED BACK AND STATED THAT COULDN'T HEAR THE CALL. I THAN SENT IN DISPUTE LETTER TO ALL 3 CREDIT BUREAU AND TO CHASE AUTO, I RECEIVED A CALL BACK FROM CHASE, STATING THAT THE LATE CHARGE IS VALID, AND WILL NOT BE REMOVED. I STATED IF YOU CAN'T HEAR THAT CONVERSATION, HOW CAN YOU MAKE THAT CALL. SUPERVISOR THAT SORRY THAT ALL I CAN DO, WELL IF ALL CALLS ARE RECORDED OR MONITORED WHY YOU CAN'T HEAR THAT CALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: Financial Credit Service, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They call me first XX/XX/XXXX and XXXX XXXX leave me a voicemail threatening me that they going to put me to jail. I call them back and asked what it is about. XXXX XXXX told me that I owe {$700.00} which is as far as I know only {$480.00} harassed me that if I don't give them at least {$50.00} that day. She threatened me that she will put me to jail. Without doing any research or contacting my lawyer I give them my card number, they took out {$50.00} that day. I don't want be in jail especially I'm willing to pay my debt. So, I contact my lawyer and we do a research. My lawyer found out that the phone number is a scammed and warned me to stop the payment. Since XX/XX/XXXX they calling my phone non stopped and leave me a Threatening voicemail using a restricted number. they also used a robot to leave me a threatening voicemail. This company had to stop. I wouldn't mind paying my debt but I will only going to pay it on a legit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX  charged me for some device ( a XXXX I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, XXXX  continues rating my credit at XXXX, XXXX  XXXX and Experian XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.

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 2017-08-01
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls many times a day at different times. They never leave a message. They call from XXXX The company IC, systems I will also forward a copy of this complaint to my attorney. XXXX XXXX who will handle this matter.

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 2021-04-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was sent this email from who I thought was my title person but was from a masked email. I have reported it to the bank the next business day and was told that my recall was denied. The gmail was masked with my title persons name. 

from : XXXX XXXX to : XXXX date : XX/XX/2021, XXXX XXXX  subject : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX mailed-by : XXXX signed-by : XXXX XXXX : Standard encryption ( TLS ) Learn more Good Morning, Due to the Covid-19 Pandemic, All closing funds should be wired to our trust account today to avoid delay at closing. so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledged the receipt of this email, I will be busy with limited access to my phone. You can send an email if you need anything else. 

Thank you, XXXX XXXX, Title Operations Manager XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( For mailings, use : XXXX XXXX ) XXXX, FL. XXXX XXXX ( Main ) : XXXX Tele : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  EQUIFAX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX.

3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. 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 non-monetary relief
Consumer complaint received 2021-04-06
Company: Insight Management Partners, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company reached out to me and I was unavailable to talk. Later that afternoon, my father called me and said that someone called him looking for me and had used profane language and called him out of his name. I got the phone number from him and realized it was the same gentleman I'd spoken to earlier in the day. For awhile, there was no additional contact. I then realized they'd been calling my house phone but I am typically in meetings and do not answer. 

From there, I answered another call and requested that the company contact me via mail and stop usage of phone calls. The associate then got nasty with me. I told them I would be reporting them and then hung up. 

Today XXXX XX/XX/21 XXXX, I received another phone call and told the person on the phone that I would like them to stop calling me and hung up the phone. They immediately called back. 

This company uses abusive language, calls entirely too much, and had no business calling my father and cursing at him when they'd spoken to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A friend accidentally sent XXXX dollars to my old cash app account. I no longer have access to my old phone number or debit card associated with that account. I contacted cash app support and they told me I have to answer some security questions. One of my answers was wrong but they wouldn't tell me which one. This was an old account and I can't possibly remember everything exactly. They closed my account and did not give me my XXXX dollars in the account. I asked for them to send the XXXX back to original sender. At first they said yes but then back tracked. Cash app basically stole XXXX dollars from me. Since the account is closed and the money not refunded the only one that has access to the funds is cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have reported to all 3 bureaus that this account is fraudulent and this issue hasnt been resolved XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We have had a XXXX XXXX Business Mastercard since XXXX, we have never had a balance carried, always have paid in full every month. XX/XX/XXXX our account was put on restricted status, not sure what that even means, all our cards were immediately rendered useless. I called into Capital One and was informed that the cards were restricted and that no other information could be given to me. All access to our account was suspended. I can't find out what charges have been made either online or via phone. The suspension of our account has created a hardship for our business and employees. Our treatment by Capital One has been unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I just called SPS the old mortgage company for my mother XXXX XXXX and they told me, the loan is not closed!!!!!! They told me the loan was short {$1800.00} how can that BE we had the pay off from SPS and I know they are lying because they are now harassing my mother for payment. The big thing is I did not know about this until now!!!!!! They claim they are working with someone called XXXX at phone number XXXX from your company. I need to YOU to take care of this today!!!!!!! I will call you today I need this solved today or that you and I WILL take SPS to court for harassment I need your help the loan closed and has been paid off and now sps wants more money the pay of was paid!!!!!!!! now they are harassing for more money XXXX XXXX. 

They also called and demanded payment from the closing company XXXX after they the closing company called a day before closing to verify the pay was correct!!!! the pay off was correct!!!!!!! 

Return the XXXX You stole from the closing company and stop harassing 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 2020-08-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've been a card holder for over 3 years now. I've always had a {$1000.00} credit limit. I've asked multiple times for line increases that were never granted. I use my card about once a year and usually have no problem paying off the balance. This year Covid-19 has turned the word upside down and my annual purchase I haven't quite paid down as quickly as I normally would due to my business financially struggling. They reported 2 late payments to the credit bureau. I sent them a goodwill letter explaining my current hardship and ask that they remove the negative reporting to the credit bureau considering that we are in a global pandemic. 

They sent me a letter XX/XX/2020 stating that they have changed my credit limit from {$1000.00} to {$300.00} due to a significant decrease in my credit score. I currently still have a balance on my credit card that is about {$310.00}, so not only did they decrease my credit limit out of nowhere, but they decreased it past the balance that its currently carrying so that I'm automatically over my limit. These actions are extremely antagonist in nature. A credit card company reporting an over the limit credit card balance can drop your score over 25 points. I've never had a late payment ever with this company and the year that the entire world is suffering economically and financially Comenity Capital Bank rewards me with a stab in the back and then rubs salt in the wound. This is absolutely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to inform you that I have several items reported on my credit file that I have no knowledge of and is not mine. For one : : XXXX XXXX ( XXXX ) {$300.00} XXXX XXXX ( XXXX ) {$30.00} XXXX XXXX {$580.00} * these accounts are fraudulent and should not be reporting on my credit file. I have never had any service with XXXX or XXXX XXXX. 
* As a customer, customer are not allowed to have several accounts, I am curious to know why there are two accounts from the same company reporting on my file.

* The mishandling of this information is a breach into my file.

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 2021-04-06
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
bankruptcy being reported on credit report, I asked XXXX  and Equifax to verify how they obtained this information since the Wisconsin bankruptcy court does not provide court cases to 3rd parties, I do had that in writing. I then contacted pacer since it was a public record and pacer does not provide this information to credit reporting agencies. Equifax and XXXX  stated that XXXX XXXX provided them with this information I contacted XXXX  XXXX  and the rep told me that XXXX XXXX  does not share information with credit bureaus only insurance companies, but refused to provide me that information in writing, Their calls are recorded. I was not disputing the bankruptcy only that is should not be report to ANY credit bureaus and needed to be removed ASAP. at this point i am ready to take legal action against these companies for not providing me a proper means of verifying this information, who or how it got on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They call me first XX/XX/XXXX and XXXX XXXX leave me a voicemail threatening me that they going to put me to jail. I call them back and asked what it is about. XXXX XXXX told me that I owe {$700.00} which is as far as I know only {$480.00} harassed me that if I don't give them at least {$50.00} that day. She threatened me that she will put me to jail. Without doing any research or contacting my lawyer I give them my card number, they took out {$50.00} that day. I don't want be in jail especially I'm willing to pay my debt. So, I contact my lawyer and we do a research. My lawyer found out that the phone number is a scammed and warned me to stop the payment. Since XX/XX/XXXX they calling my phone non stopped and leave me a Threatening voicemail using a restricted number. they also used a robot to leave me a threatening voicemail. This company had to stop. I wouldn't mind paying my debt but I will only going to pay it on a legit company.

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 explanation