BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
THESE CORRUPT BEINGS STOLE {$720.00} FROM MY SMALL BUSINESS CHECKING ACCOUNT ON XXXX XXXX, 2016 BY SUPERIMPOSING XXXX CHECK MADE OUT TO XXXX FOR {$160.00} WHICH CLEARED CORRECTLY ON XXXX XXXX, THE SAME DATE AS THE THEFT! ONE CAN CLEARLY SEE WHEN I WENT ON LINE AND VIEW THE CHECK THAT A BIGGER CHECK FROM XXXX XXXX XXXX IS UNDER MY CHECK BUT RATHER THAN THE AMOUNT BLOCKED BY MY CHECK, MY CHECK WAS MOVED AND MADE SMALLER SO THAT THE {$720.00} AMOUNT ON THE XXXX CHECK WAS USED TO DEBIT THOSE FUNDS OUT OF MY CHECKING ACCOUNTS WHEN THEY SHOULD HAVE REALIZED THAT THIS IS A DIFFRENT CHECK FROM A DIFFERENT BANK AND HAD NO BUSINESS TAKING THAT MONEY OUT OF MY ACCOUNT! NOW THEY SAY THEY HAVE TO RESEARCH IT AND THAT IT WOULD TAKE 3 BUSINESS DAYS TO RETURN THIS MONEY! WHY! IT DID NOT TAKE 3 BUSINESS DAYS TO STEAL IT AND THE MISTAKE IS CLEARLY THESE THIEVES! THEY SHOULD BE ARRESTED AND AM SERIOUSLY THINKING OF FILING AN AFFADAVIS ALONG WITH THIS COMPLAINT!

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 2021-01-11
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was not late on any payments on this loan. It shows late payments in XX/XX/2014 and XX/XX/2014 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My cell phone was stolen. The thief was able to login to my Chase checking account through the Chase mobile app, it is unclear how they were able to do this as it is password protected. This individual transferred {$2000.00} to themselves via XXXX through the Chase app on the stolen phone. I have filed multiple disputes with Chase and escalated it as far as possible. Chase refuses to recognize the transaction as fraud and will not refund me the stolen money. There is an ongoing police investigation and a suspect has been identified, both Chase and the suspect 's bank are complying with subpoenas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Rushmore Service Center, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/16 I placed a call to the Agency In an attempt to request validation & verification on said Debt that they allege I owe. I requested the Agent to provide to me their Business License in the state of Massachusetts and I was instructed to 'contact ' the 'District Attorney '. 

The Agent placed me on an extended hold in an attempt to get me to hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I got offered a job after applying to some site related to my university. A short while after, I was expecting an email to help me out with school, since I did not have any job or anything during the pandemic of Covid-19. So, I took the job offer, and performed the tasks required. I was given two checks by XXXX, my employer. When they deposited, I found out that they were a scam. By then, I had sent a total of {$3500.00} to XXXX XXXX, one of his customers. 

Today, I write to the Consumer Financial Protection Bureau to help me recover my losses. I have contacted Bank of America about my issue, but they have not done anything to help me. I was left extremely damaged within and find it hard to get through this adversity to this day. Bank of America rejected the checks XXXX had given me. In the next paragraph, I will specify the details more clearly. 

On XX/XX/2020, XXXX sent me a check via mail with a balance of {$1400.00}. This is what I deposited to my checking account that day. With this money, I sent {$990.00} to XXXX XXXX. This was done through XXXX. Later through the week, another check was sent to me, this time it was a check of {$2400.00}. On XX/XX/2020, this check was deposited to my checking account. With this, I was told to send {$2500.00} to XXXX XXXX. I did this on XXXX. On XX/XX/2020, Bank of America declined the checks, leaving me with a negative balance.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2015-07-31
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been in foreclosure for over 6 years now. Throughout that time we have been passed from several different servicers. First XXXX then to XXXX XXXX XXXX and now Resedential Credit Solutions ( RCS ). We have tried for over six years now to try to get the servicer to modify our mortgage. Each time we were denied for whatever reasons they said like we do n't make enough money. More recently RCS declined modifying our mortgage they say because we do n't make enough money. We asked them several times to lower the principle balance of our home because they are asking us to pay over a million dollars for a home that is worth less the. Half of that. They are asking us to pay all the late fees, the mortgage for six years now and other fees, taxes and such. We want them to lower the principle balance on the home to what it 's worth today and forgive all the past charges and fees. We want them to bring the mortgage current so we can stay in our home we lived in for the past 10 years now. RCS has given us the run a round by telling us we do n't make enough money to pay the mortgage. We do if they forgive the past 6 years of fees. They wo n't work with us and I 've faxed and relaxed hundreds of pages of paperwork to RCS. They are now foreclosing on us with a sale date of XXXX XXXX 2015. We would like consumer finance to hopefully help resolve this matter with RCS. At the end of this we want RCS to modify the mortgage to what the home is worth anywhere from XXXX to XXXX, forgive all the past charges, lower the interest to 2 % at a 30 year fixed rate. We want to keep our home. I have tried for over 6 years to get the servicers to comply with us and they never have. I feel they are greedy and do n't care about homeowners they are out only for themselves. Please help us in any way you can. Thanks for your time in this matter. We hope that RCS hears us loud and clear we want them to modify our mortgage at the rate that the home is worth and forgive all past charges fees etc. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/XXXX and was sent to Experian credit bureau to remove ( personal information, address, accounts & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Date XXXX XX/XX/XXXX Balance : {$0.00}

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 2021-01-11
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft, on XX/XX/2017 a medical collection accounts were open in my name, I went to my local police station and filled identify theft report along with a federal trade commission identity theft report then I called the collection company ( Avante USA ) I explained them everything and provided them with a copy of all documents, however, they refused to remove the accounts despite me being in any hospital neither seeking any medical care from the mentioned facility in the account, furthermore, they were very hostile and even hung up the line after losing hope of me paying a service I didnt use, I contacted the credit bureaus and sent them all documents and was able to remove the accounts, but still Avante USA is using illegal techniques to change accounts numbers and debit value to promote to the bureaus as a new debits. Their allegations are unfounded, they failed to provide the credit bureaus with a proof of debit, but for some reason they still able to keep adding new accounts to my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 tried many times to get a proper response from Midland credit Management and they have failed to do that. I provided them with sufficient evidence to prove my case of identity theft and never got an answer from them. I had a trial set for XX/XX/2021 and never got a notification of continuance from them and missed a day of work for nothing. They have committed violations under the FDCPA section 805, 807 and 809. I have sent numerous emails to their agency and lawyer ( XXXX XXXX ) and never got a response from them either. This is very irresponsible and insensitive and is causing collateral damage to my credit report and impacting my life very negatively at this point. As I can not get approved for credit cards or loans because of now years as a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I discovered that XXXX XXXX XXXX Mortgage, reported to Equifax ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Merchants' Credit Guide Company
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MERCHANTS CREDIT GUIDE C Account number XXXX Date opened XX/XX/2016 Balance {$390.00} MERCHANTS CREDIT GUIDE XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/2016 balance {$430.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company constantly calling about a person who does not own this number. Keeps asking for a person and I have told them multiple times this is not that persons number. They ask if I am that persons husband or wife. I ask how did they get the number, they repeat who they are looking for and that the calls are recored. I told them to stop calling this number for whoever they are looking for ... they keep calling and will not tell you how they got your number. 
Most recent XX/XX/20 - XXXX, XXXX, XXXX, XXXX, XXXX ( x2 ) cst XX/XX/20- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My hardship began in XX/XX/XXXX when I purchased my first home from XXXX XXXX XXXX. I was put into a subprime mortgage and as well as my neighbors in the development named XXXX XXXX in XXXX, Virginia. For the first 2 years I paid my mortgage with no issues but as the XXXX XXXX XXXX took its toll I tried to get a loan modification with no success from XXXX back in XXXX and I didnt know that they were under investigation for mortgage fraud by the US Government. Eventually XXXX XXXX XXXX was purchased by XXXX  XXXX XXXX so I was told by XXXX that I would have to submit new paperwork in order for them to process my loan modification and I did in XXXX and just like with XXXX before nothing happened. I then wrote a letter to my XXXX XXXX XXXX at the time for assistance with the matter and that pushed the ball somewhat but alas to no avail. Then when the National Mortgage Settlement occurred that XXXX XXXX XXXX was a Party to I couldnt get any relief from that because my mortgage is not backed by XXXX or XXXX. XXXX XXXX XXXX served both as my Mortgage Servicer and lender of my mortgage so I couldnt take advantage of any relief from the National Mortgage Settlement Lawsuit nor from HAMP, HARP, or other US Government backed programs because my mortgage isnt backed by XXXX or XXXX. I am paying 80 % of my income to my mortgage and I have tried over the decade to get relief but every corner I turn I was faced with roadblocks and hindrances from XXXX  XXXX XXXX. XXXX and thus XXXX XXXX XXXX KNEW I was in a subprime mortgage and they did nothing to help me but stall me to no end. I went through the arduous task of getting a Forensic Audit on my mortgage which showed huge gaps and illegalities. I am in a position where I can not afford legal counsel to go after XXXX XXXX XXXX well now SPServicing who is the current holder of my mortgage as of XX/XX/XXXX. I am a XXXX service-connected Veteran and I can't get any relief from this mortgage even from the VA and I can't even use my VA Home Loan benefits to get me from under this oppressive mortgage. This mortgage is FRAUD through and through and I am in desperate need of help. I am seeking complete mortgage 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 2022-03-25
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a airline ticket purchase online through XXXX XXXX service for XXXX on XX/XX/31 and XXXX XXXX contacted me in XXXX stating my flight tickets were fraudulently purchases or charged and they would not be able to give me these tickets. We cancelled the fraudulently purchased ones and had XXXX new tickets re issued. I contacted XXXX XXXX  who stated whey would not refund because my tickets were fine ( not ) and i filed a dispute through Citibank and they cancelled my card and sent me a new one and did an investigation through their incorrect dept internally stating since i corresponded wit hthe vendor i was responsible, however they realized it was to be processed and handled through their billing dispute dept since it was for a charge i attempted but did not receive any good or services as it was a fraudulent sale. i have tried numbers time in 3 months to reach someone and get it transferred and they keep telling me XXXX days then nothing happens and i keep starting all over, without any refund. 
i did not receive anything from this vendor. This vendors charge was fraudulent and they never gave me a ticket or a refund.

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 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX detailing that WITHOUT my consent XXXX   placed a fraud alert on all 3 credit bureaus. Despite my XX/XX/XXXX calls, Transunion refused to remove this alert stating only " special handling '' required, thereby violating the FCRA even though XXXX agreed to process removal to their bureau.

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 2021-01-11
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, Dovenmuehle Mortgage company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ) overpaid my property taxes by about {$620.00}. I put in a request with my local revenue department to receive a reimbursement check for the overpayment. By the time the reimbursement was processed and sent to Dovenmuehle, my mortgage was transferred to a different mortgage company ( XXXX XXXX ). As of XX/XX/XXXX, my new mortgage company has still not received the check of {$620.00} which Dovenmuehle and my local revenue department have both confirmed Dovenmuehle cashed in XX/XX/XXXX. I have called Dovenmuehle three times, each time waiting on hold for several hours at a time. Dovenmuehle customer service supervisors are unable to resolve this issue which is complicated by the fact that my account has been closed, and they are unable to give me a time frame in which they will resolve this issue. Dovenmuehle is withholding {$620.00} worth of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Not my accounts reporting

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 2016-12-07
Company: U.S. BANCORP
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX and my son had established checking, savings, commercial, credit card accounts with {$2000.00} in checking overdraft protection with US Bank in XXXX MT for at least XXXX years. I was insured under the FDIC for XXXX XXXX fraud but was never informed that the monies US Bank took without my consent was illegal under the rules of the FDIC. They violated many rules and I was a victim as documentation I 've included shows. The prosecuting attorney in this case told me after catching the lady behind this scam that US Bank will pay all monies taken from me and restore you and your sons credit due to them being insured by the FDIC. US Bank will not pay me for any money they took out of both my sons and my account. They cleaned me out of all monies in XXXX and my checking accounts, took {$4000.00} in overdraft protection, left me and my son bankrupt, bounced checks, mortgage went to XXXX % & the letter attached sums up the events that followed. What I did n't no then is I was insured by the FDIC and being an innocent victim this tsunami US Bank caused to me and my son should of never happened in the first place and the prosecuting attorney agreed. I paid back all the money to try and save XXXX and my credit. To this day XXXX credit is ruined and so is mine & to this date no restitution has been paid from US Bank. I 've tried to talk with US Bank for years and their response is we ruined your sons credit and yours and we owe you nothing. I asked to talk with the President of US Bank in XXXX, MN and a cubical employee would not allow that and the FDIC says to settle this major issue with US Bank. I need your assistance in this matter due to their negligence, and ignoring my requests.

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