BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
RE : Title Max Acct # XXXX On or about XX/XX/2019 my pension check was with drawn from my XXXX XXXX XXXX bank account leaving unable to make my monthly payment to my creditors including Title Max. I filed a claim with CFPB under XXXX. Here I am merely reiterating my fax/emails by request assistance germane to identity theft and to ask for an extension, payment arrangements, deferment or any applicable hardship programs to ease payments for past due amounts and/or late fees on my account. My pay history will reflect consistent on time payments. I hope that carries some weight in your decision to assist me without interruption in services. Identity thieves spent about {$3000.00} dollars on vacations, charities and live performances in three different states resulting in my bank freezing all setup/recurring payments pending investigation.Please see the investigative authorities below and attached supporting document. 

***Federal Trade Commission Affidavit # XXXX ***XXXX PD , Economic Crimes Unit , case # XXXX ***Consumer Financial Protection Bureau case XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I paid my credit card using bill pay. I have never been late on a payment. For some reason they did not pick up the payment. I submitted all proof for a year over and over again that I paid the card. The month after they did not pick up the payment, I paid the card in full minus the late fees, and increased interest. I have been a customer for probably fifteen years and never had any problem, the account was paid in full but they kept sending be bills and adding more interest. I dealt with them month after month for a year in writing. On XX/XX/XXXX I called and asked to speak to a manager. The man I spoke to understood my frustration and said I don't know how long it will take to resolve this, but if you send {$90.00} of the {$340.00} balance that is due, I will make it all go away. After, dealing with this for months, I decided to take him up on his offer. I have his name and reference #. To my surprise I got another statement today, XX/XX/XXXX with a balance due of {$60.00}. I tried to call them, but can not get through as I do not have the whole fifteen digit account number. I only have a partial number as the account is closed and I no longer have the card. You can not even talk to anyone, now with out a full card #. I am just done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It is XXXX XXXX 2018 and yes my funds have gone too low. I called this girl named XXXX XXXX who said call anytime and she could help. Well guess she lied because when I called she totally blew me off saying she could only help once. Seriously, you take all the money in overdraft fees does not make up for the small amount I accidently withdrawn. Please tell me why XXXX in fees is feasable for a small accidental withdraw. I hate citizens bank. The CEOs for this company have to be swimming in money. Sad that you guys can not help someone who is trying to catch up but they keep taking all of any extra funds I put in the bank. Is there anyone who would help? I have an attorney appointment to file bankruptcy. All I ask is for a few months to catch up. I will catch up if they would stop taking all my money in overdraft fees. This is very sad that Citizens Bank is responsible helping poor people stay above water. Hope the CEOs are proud of themselves. Like XXXX will break them. Sad sad sad!!! I 'm trying and you just keep pulling me down. Any federal agencies that can help? Please help me find a solution. I am trying!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been with Frost Bank over 5 years. Someone deposit fake checks into my account. Frost bank did not protect me at all. My account has NEVER been froze before, my account has NEVER been delinquent before and last but not least I have NEVER deposit checks into my account. Frost Bank allowed one of the fake checks to clear then went into locking up my account after they had already transferred the funds. As a long term customer I would have expected them to call me before releasing any funds off my account because as of today they open me a new account, I deposit my payroll check in that new account and they froze this account now as well stating they wanted to verify the check. My payroll is an active check and now after 8 hours they want to release the funds. I have not been able to eat today, get gas or feed my children. Frost Bank should have protected me in the first incident because now they have falsely held my payroll check today. Not to mention the only reason my payroll is in a check form is due to the first account being closed out I couldn't get direct deposit, it had to come in a check form. I have took a {$4000.00} lost from the first account of fraudulent checks. and now got my payroll check held. I'm not a happy customer after so many years of loyalty to Frost Bank and I will assure to push this out as far as I can!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Navient Solutions, LLC.
State: TN
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:
Today XX/XX/XXXX, I called Navient to remove my information front credit report but was told that they did not remove the information because XXXX is suppose do that. I then called XXXX and they told me that it was the responsibility of Navient to report it wrong. A little got was a run around from both. My student loan was XXXX in XXXX. I have had other issues with XXXX not removing incorrect information on my credit report. The other credit reporting companies have removed this information. I hope you can help b cause I do not want to have to pay for a lawyer to solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought my home in XXXX. I had a hardship and had to modify my loan in XXXX. XX/XX/XXXX i refinanced. XX/XX/XXXX HUD sent a letter saying i owe them {$30000.00}. 


I contacted Freedom Mortgage and they said the title company XXXX title XXXX ) was at fault. So i contacted the title company and they pointed the finger at the mortgage company. Ultimately the mortgage companys insurance rep contacted me and stated Im at fault and i need to pay. 


I had no idea until HUD contacted me that there was an issue. Im thinking with underwriting and the entire process someone shouldve caught this.

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 2018-02-22
Company: DISCOVER BANK
State: IN
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:
I HAVE SENT CREDIT BUREAU NOTARIZED AS WELL AS CERTIFIED LETTERS IN REGARD TO XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT AND I SENT IT TO THE CREDIT BUREAU AND YET THEY STILL REFUSE TO DELETE IT FROM MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: DISCOVER BANK
State: CA
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:
It has come to my attention that Discover Card has been charging me for an OPTIONAL Payment Protection membership without my knowledge or consent since XX/XX/XXXX despite being a customer since XXXX. As you can see from the attachment, their records only go back up to 24 months, and there is no such payment for late XX/XX/XXXX. I have never received any information about this so-called Protection plan in XXXX. I have attempted to cancel the membership today, XX/XX/XXXX, through their website and will see if they will indeed cease these unnecessary monthly charges. It is my understanding that Discover has been previously sued and penalized for this sort of shady, greedy practice, but the program still exists in a way where customers seem to be automatically enrolled into it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-11
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX US bank I called because I could use my account the forward my call to someone name XXXX saying that on the notes it say to forward the calls of that account to her she told me I had to wait that they where going to call me back.Never got a call back On XX/XX/XXXX I called left couple of msg she didnt answer or called back called the branch they say they could help me On XX/XX/XXXX I called left a voicemail to XXXX she return my called she just say that the branch decided to closed my account to wait 30 day after my account is closed for them to mail out a check with the amount On XX/XX/XXXX received a letter that the account was being closed. 

On XX/XX/XXXX I called the branch say the account closed on XX/XX/XXXX that to give 1 to 2 weeks to receive the check. 

Its been already more than a month and now they just forward my calls to one and to another person and its getting stressful that I havent receive no check. 

On XX/XX/XXXX called customer service a person with the name XXXX told me that a check with the amount of XXXX had to be mailed already And havent hear nothing or received nothing and I just fell US bank is not helping 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 2020-10-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice dated XX/XX/XXXX, from a XXXX XXXX, XXXX that a Judgement Creditor of Midland Funding LLC had a judgment against that I was ever contacted about as I was proved any documentation that I was to appear in court. I am a father of XXXX kids and during COVID19 I was unemployed for months. Thank go my landlord was nice enough to understand that I could afford the rent and now that I am back at work and I owe back rent to my landlord I can not afford at this time were so many people are faced with daily obstacles that place them on the border of being homeless afford to have my check garnished, especially for a judgment I know nothing about. This is horrible that this is happening. I will be going to XXXX XXXX XXXX and requesting that I be provided more information. My community is in the red hot zip code area for high XXXX cases and my kid 's school was shut down to have to deal with this is really unfair. Everyone in the country knows how this virus has affected people and to start garnishing people checks who can barely put food on the table is horrible. Please help me to understand what is going on. This is really unfair I ever received papers to appear in court on XX/XX/XXXX this is over five years ago. This is horrible that given what I have gone through being unemployed to now be threatened that a creditor who I have no idea who this creditor is, Now is garnishing my check is really inhumane and I was not informed is disgusting I have no idea to what is going on and I was ever informed that I was to appear in court back in XXXX no papers were send to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wife and I initiated a credit investigation via postal mail. Over 30 days have past, and we have not yet received responses. We were supposed to have responses by XX/XX/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 2019-07-15
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told the person this what my debt and I have no knowledge of this account. They keep selling this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX or XXXX XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-07-15
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is based in Arizona XXXX XXXX XXXX via XXXX XXXX is in NJ stated that they need me to sign documents to help with credit score which signed electronically before the site started changing and asking what country am I which no lender would ask the number I called but when then they other document that request my Bank Statements, W2, Drivers License, Name of My Last Employers, IRS Statements , My Social Security basically everything they need to become me and buy an open line of credit or sell my information on the black web. I was then told that I would be speaking to XXXX via XXXX AZ rep which felt like a bit and switch. He did not inform that he would be send a request for all my information by just got back to back emails I have been a victim of fraud and ID theft before which told him so I did not send anything. I credit score drop with their inquiries and attempt they have an office based in XXXX he should have directed me to their rep They gain my signature under fraudulent means This Compnay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Short sale package was submitted to Ocwen XX/XX/18. Ocwen has requested 4 sets of documents, and continually cancels the short sale after each and every one of these requests. Each time we send documents in to Ocwen we have to request the short sale to be reopened. This has happened 4 times in the last several weeks. Ocwen is refusing to postpone the auction date of XX/XX/XXXX claiming that the multiple doc request and closing/opening the short sale were simply miscommunications. They are stating they have sent communications to the borrower offering workout option " some time ago ''. However they are unable to provide any kind of evidence or tell us the dates as to when those communications were sent to the borrower. 

Isnt this the same type of miscommunication that got Ocwen fined over $ 2million already? We just want this to be reviewed as requested in the beginning. The sellers are getting divorced and Ocwen were notified of this in the beginning of the short sale, and there is no evidence whatsoever that workout options have been offered to either of the sellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I co-signed for a loan for my granddaughter with Sallie Mae while she was in school at XXXX. They tried to make her start paying for the loan while she was in school. After graduation, she setup payment with Sallie Mae. Then Navient took over and double the payments and double the amount that she borrowed. They said that she had not paid enough on the loan. Now I received letter from XXXX XXXX offering me a settlement to get my name off the loan but saying that she would be still responsible for the total amount owed. No one has contacted my granddaughter by phone or mail. They have been just contacting me with an abundance of letters demanding repayment from me for co-signing the loan. I am going thru XXXX with XXXX and do not have what they are asking for to settle. I have requested that they work with my granddaughter since she is still paying Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, INC.
State: MD
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:
I opened a 48 month Auto Loan with XXXX XXXX XXXX XXXX. The Loan amount was for XXXX. The account was opened on XX/XX/XXXXand closed onXX/XX/XXXX ; the total length of the Loan was 3 years 7 months. The loan was paid off early, and my payments were 100 % on-time with know missed payments in the 3 year 7 month term of the loan. XXXX XXXX XXXX XXXX properly reported that the Loan was successfully completed, and the account was closed successfully. After the successful report from XXXX XXXX my Credit Score dropped from a XXXX to a XXXX ... a 40 plus drop in my Score.

My dispute Is Not with XXXX XXXX XXXX XXXX ; XXXX XXXX properly reported the term of the loan for almost 4 years, this is a XXXX XXXX XXXX. My dispute is with the Credit Bureaus Itself. My Credit Score dropped over 40 points for closing a account for XXXX dollars, that I successfully maintained for almost 4 years, with 100 % on-time payments. I did not get any positive rating or increase in my Credit Score at all for paying off a XXXX dollar Auto Loan successfully. I am respectfully requesting that the CFPB investigate this matter. Because if this is happening to other Hard Working Americans and Military Veterans, the CFPB should be putting a stop to this injustice immediately. Thank you for your time and consideration on this matter.

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened up a checking account with US bank online..at the time they offered a promo that if you had direct deposit within 60 days there would be a {$300.00} deposit into the account.This promo code was attached to my account upon completion of beIng opened..I called customer service to get more info and was told I had to go to my local branch.I went to the branch at XXXX XXXX XXXX XXXX XXXX  XXXX Co XXXX and sat down and spoke with a rep..I was told that she had to do more research and would give me a call to let me know the status..I never received the call.I called again numerous times no answer.Finally was able to get someone to answer at XXXX and once again was told I would be contacted by the individual who promised the first call back..I need a rep to contact me and let me know whats going on with this

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 2018-01-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX. This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by me.

Company response to consumer: Closed with non-monetary relief