BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: M&T BANK CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on friday XXXX XX/XX/2020 when i woke up so i got a message from my bank stating that your balance is below certain amount and that is valid as i set notification request for that but when i checked my account balance so someone has transferred certain amount from my account using XXXX without my consent so at once i went to my bank branch so they said its an online matter so we can not deal with that they gave me phone number for online matters to be dealt with so i called them they there was one lady she said your device is compromised so you need to clean your device and close your old account and open new account so i did and she said in the mean while bank will give you provisional credit of the amount which you lose and bank team will conduct investigation and check i said ok. 
next day when i went back branch with my new phone as according to them someone hacked my phone so the manager was saying that i am calling them but they are not picking phone to remove block from my online account and i told her that i am waiting she tried again so after some time she removed block. Today when i called online banking to know the status so she said your dispute is closed and request denied for provisional credit so i said when i have not done any transaction so this is the banks responsibility to reimburse me for my loss but she said transfer is from trusted device and thats all and i am asking them for the details of the account to which money is transferred so they are saying there is a block on account we can not see details i am so confused what to doo now as its my hard earned income and bank is not taking responsibility and with that i tried to inform cops so cops said we are not technology person and your bank can help you in this matter so please help me i can provide all the details to my knowledge i want my money back

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 2020-04-28
Company: Netspend Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I begin receiving child support payments in amount {$310.00} under docket # XXXX. The IL state disbursement unit sent the funds to an old account on file with XXXX that I no longer have access to. The old account is from XXXX. I just start receiving child support for the first time in 13 years. The total funds are {$3500.00} as of XX/XX/XXXX. I requested a trace with IL state disbursement unit who informed they are unable to complete. I am contacting XXXX, Netspend and XXXX to provide my personal info and locate and give me access to my funds or return to issuer because I dont have an account with 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 2020-04-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow balance check for $ 600+ In XX/XX/2019. Unfortunately the check was lost and Ive been trying to get a reissue for over 10 weeks. The mortgage company claimed they are investing the situation but I havent received additional information or a reissue of the escrow check. 

Ive spoken to three customer service representatives on this matter to no avail. The mortgage did company confirm that the check did not clear however Ive received no further information on the reissue. This company has become difficult to work with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2020, with the beginning of the epidemic, I knew that I would not be able to make the minimum payment of {$84.00} required due to unemployment. I had a auto pay set up and cancelled the autopayment immediately to avoid added fees or penalties until I could determine how to get a payment to them. 

On XX/XX/2020 - an auto payment in the amount of {$160.00} was sent through to my PNC bank account without authorization. When I checked the account in hopes of stimulus check, I saw this debit was issued. 

I went back online to the credit card site to verify that i had cancelled as I thought I had made a mistake. I hadnt made a mistake. There aren't any scheduled payments listed. 

I contacted the credit card company and they told me that I didn't do it right when I cancelled the auto payments. I told them thats incorrect and I have a screen shot that I can send to them showing them that the online system gave me an error code and that a transaction to cancel an auto pay could not be done as there wasn't one scheduled to begin with. I told them that they sent through a payment that was not authorized by me and to reverse the payment. I was told that because I was delinquent they would put the request in but it could be denied in three days and I would have to wait. 

In the meantime, my account is overdrawn and the {$19.00} I had in the account is gone and I will be facing penalties by my bank. 

XXXX XXXX Credit Card company submitted an UNAUTHORIZED payment to my 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 monetary relief
Consumer complaint received 2019-06-27
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained my yearly free credit reports from all 3 credit bureaus and noticed Commonwealth Financial listed. I disputed them and had them removed but they have since reported yet again and used a new date to prolong the report on my file. I have no knowledge of this debt and have never received correspondence from them in the mail regarding this debt. Each time they report the debt to the agency my score goes down. They were removed recently in XX/XX/2019 from XXXX and immediately reported to XXXX directly after being removed from XXXX. They need to be immediately investigated for their practices

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I managed to keep up with my mortgage payments just fine. Unfortunately, due to the pandemic and the state 's " Stay at Home Order '' resulted in my business being unable to operate for 3 months. This cause for my mortgage to default and the mortgage company placed on a three month forbearance which was open ended. They failed to advise me that at the end of the 3 months, i would be required to pay back 3 months worth of mortgage payments at once even though i did not earn income throughout the months of XX/XX/2020, XX/XX/2020, XXXX XXXX and a part of XX/XX/2020. 

I was finally able to resume my business and even though it was taking a few weeks to bounce back, my income was slowly coming back to normal. The mortgage company SPS XXXX offered me to pay back all the past due by payment by making triple payments for 3 months to keep my loan from going into foreclosure. I had no choice but to refuse this offer as my income was not back 100 % and i could not afford those payments. 

Now my income is back to what it was before the pandemic and SPS is refusing to review my case for assistance once again. They said and I quote " We already reviewed it once, and we are not obligated to review it again ... '' I have explained to them the change in circumstances since my previous application and yet they refuse to even look at it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Debt Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ON XX/XX/XXXX 2 DUPICATE MEDICAL COLLECTIONS POP ON MY CREDIT REPORT AND I GET ALERTED ABOUT A CHANGE ON MY CREDIT REPORT SO I INVESTGATE. MY SCORES DROPPED ALMOST 200 POINTS IN A SHORT TIME.. I CALL DEPT RECOVERY SOLUTIONS IN NEW YORK, THEY SAY THERES NOTHING. WAIT HOLD FOR A MIN THEN THEY HANG UP .I CALL AGAIN AND SAME GUY I TALK TO .I TELL HIM WE GOT DISCONNECTED. AND HE LIES AND SAYS WASNT HIM LOL. I M NOT DEAF CLEARLY SAME GUY AND SAME JOKING I HEARD IN BACK GROUND. SO HE SAY HOLD ON AND CLICK HANGS UP. I CALL FOR THE 3RD TIME AND SAME GUY. AND SAYS THERES NOTHING IN SYSTEM MR XXXX. I SAID THATS NOT MY NAME AND SAID MY NAME .THEN HE ASKED FOR SS # AND DOB I LAUGHED I SAID HOW ABOUT I GIVE YOU ACCOUNT # THAT I DONT GIVE THAT PERSONAL INFO OUT. AND HE SAID HOLD AND CLICK HUNG UP. I CALLED BACK AND GOT A RECORDING THEY WERE CLOSED FOR THE DAY CALL BACK DURING BUISNESS HOURS. AND THIS SCAMMER MANAGED TO GET FALSE DATA FROM PAST OLD DATA AND REHASHED DATA AND GOT IT ON MY CREDIT REPORTS AS A PAST MEDICAL COLLECTION DEPT. THAT DATES DONT JIVE. GON NA BE REMOVED ON XX/XX/XXXX AND JUST APPEARED ON MY CREDIT REPORTS ON XX/XX/XXXX AND I HAVE NO PRIOR BILLS OR KNOWLEGE OF THEM. AND CREDIT RPORTING BUREAUS ARE NOT ABIDING BY THE LAWS AND CONTROLLING WHAT I CAN DISPUTE WHEN I CAN DISPUTE WHAT I CAN SAY IN THE DISPUTE. LIMITING MY WORDS IN A DISPUTE. FORCE SELECTED STATEMENTS THEY WROTE UP IN MY DISPUTES.. AND NOT PROVIDING ANY INVESTIGATION DOCUMENTS TO THE COMSUMER AND THATS XXXX XXXX / XXXX  .WHICH ARE THE WORST AND MOST CORRUPT.. XXXX  NOT TO FAR BEHIND. IM WONDERING IF THIS IS RETALIATION FROM A PAST COMPLAINT I DID AGAINST THEM? THEY NEED TO REALLY INVESTIGATE THE 3 REPORTING AGENCYS .I XXXX  MY  CONCERN AND IM NOT ALONE. THERS LAWS BROKEN BIG TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 our CITI Mastercard was fraudulently charged {$5000.00} by a company we do not know. This company is presumably in XXXX, XXXX, but XXXX turns up nothing. We were in XXXX at the time and used this card for most of our purchases. We reported fraud to the credit card company. In response, the company 's letter sent to us on XX/XX/XXXX states " Valid charges were made with the credit card issued in the name of [ my name ] both before and after disputed charges. We acknowledge your situation ; however, credit will not be issued for the item ( s ) in dispute ''. I called the company on XX/XX/19. When I tried to argue my case with their fraud department, I was told that, since the physical credit card was used in the transaction, we must have done the charging - case closed. It is possible that, by mistake, we let a vendor handle the card without our direct supervision which is common in the US. So it is entirely possible that someone ran the card through two card registers - one for a legitimate purchase and one for a fraudulent charge.

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 2020-04-28
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good morning, In the month of XXXX I logged into my credit card account with Citibank. 

I noticed that I had a hyperlinked message. 

When I clicked on the message it told me that my XXXX payment had not been made and I was charged a late fee. 

Perplexed because I know that up until XXXX autopay was working and payment was being drafted from my bank to to pay my monthly bill. 

On Friday, XX/XX/2020 I jumped on chat and waited 1.5hrs to chat with a representative. 

To my surprise I was told by the representative from Citibank via chat that the payment was canceled by " me '' via email. 

Knowing that I never requested to cancel my autopay I pressed the representative for further explanation. 

When I pressed him to produce the document or communication that " I '' canceled my own autopay he told me that he couldn't send me documentation only that the system was showing I requested to stop my autopay. 

I want the late fee waived and I want answers how this happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: ALLY FINANCIAL INC.
State: AL
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:
Re : Unauthorized Credit Inquiry To Whom It May Concern, I received a copy of my credit report and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. Please remove this hard inquiry from my credit file as soon as possible. 

Please forward proof to me at your earliest convenience or send a request to the credit bureaus to have them remove this error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score, I will move forward with bringing this information forth to a judge in my area if this information is not corrected.

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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH , 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 2021-05-08
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They contacted me and identified the debt amounting to {$670.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full and marked closed. Creditor agreed to remove from all credit bureaus due to discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XXXX of 2019 XXXX XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.

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 2021-07-12
Company: EQUIFAX, 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:
it has been 45 or longer days since ive heard from the bureaus about my credit report. i have been trying to reach them but no one gives me a result on my dispute response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My coinbase account got hacked and all funds were stolen and transferred to several unknown crypto coin addresses. Also funds from my checking account were extracted and transferred to coinbase and cryptocurrency was bought without my knowledge nor authorization with said money. Coinbase claims I have to pay them the amount of {$2300.00} USD which is the money extracted without my knowledge from my bank account. I opened several claims with Coinbase but to no avail, coinbase claims that it was not their fault my account was hacked and my funds stolen. I claim that my account was secured by utilizing the security methods they recommend. Also the funds that I had stored over the years in Coinbase for the value of XXXX USD got stolen and removed from my account. 

Coinbase Balance XXXX XXXX XXXX XXXX XXXX XXXX USD Value : XXXX XXXX USD Amount Value at transaction TOTAL : XXXX USD XXXX BTC XXXX XXXX XXXX BTC. 

Coinbase Opened cases # : XXXX, XXXX, XXXX Total Amount including Coinbase Funds Claim : XXXX USD. 
https : //www.coinbase.com/about

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: NJ
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:
There is over 100 inquiries on my credit report that is not linked to any account which lowers my score dramatically I want it to be removed 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 explanation
Consumer complaint received 2018-02-01
Company: LD Holdings Group, LLC
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA loan through LoanDepot. My taxes and insurance are included in my monthly payments and put into an escrow account. My insurance is through XXXX XXXX and has been for over 20 years. For some reason LoanDepot changed my mailing address to my property address, which does not have mail delivery. XXXX XXXX billed LoanDepot when my insurance was due. Loan Depot did not pay. Multiple notices were sent to LoanDepot as well as phone contact by XXXX to LoanDepot. Still the insurance was not paid. My insurance was cancelled on XX/XX/XXXX. In XX/XX/XXXX  LoanDepot placed forced insurance on my loan but did not contact me due the the address change. LoanDepot states their forced insurance policy is a little over {$980.00} for XX/XX/XXXX to XX/XX/XXXX. LoanDepot states the forced policy is {$76.00} per month ( {$920.00} for a year ) compared to {$33.00} per month for my policy with XXXX. My policy with XXXX was a little over {$400.00}. My escrow account by now should have 20 months ( {$33.00} per month ) of insurance payments for a total of {$670.00}. I paid for a year 's policy through XXXX effective XX/XX/XXXX - not to be taken out of escrow but paid in full. Both the policy and paid receipt were sent to LoanDepot, which they admit they have received. A supervisor named XXXX told me after an escrow analysis was completed, I would receive credit for seven ( 7 ) months of the forced coverage and be sent a refund. Today, I spoke to a supervisor named XXXX. He insisted I still owe money for the forced coverage. I had to pay an additional {$130.00} on top of my usual mortgage payment. XXXX also points out that I must provide proof of insurance for the period from XX/XX/XXXX to XX/XX/XXXX. This was not an issue prior to today 's conversation. As stated above the forced coverage was from XX/XX/XXXX to XX/XX/XXXX, it did not cover from XX/XX/XXXX forward. Yet, now Loan Depot is expecting me to pay for forced coverage for months prior to them placing the coverage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was opened on XX/XX/2020 but I do not know what account was opened as nothing is shown on my credit cards or in email. There is no number for amount past due. The initial balance went from XXXX to XXXX with no indication of last payment as XXXX I dictated there was no payment made. I received an email today XX/XX/XXXX that I just opened the account without my knowledge.

Company response to consumer: Closed with explanation