BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: STATE FARM BANK, FSB
State: GA
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a call requesting my ss # and birthday for a debt which I know nothing about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I disputed a charge from bank account in XXXX 2016 regarding a charge from XXXX rental car. I was involved in a car accident and XXXX paid XXXX the money owed for the rental car. I confirmed with XXXX that the check was cashed by XXXX on XXXX for the amount that I was disputing. I contact XXXX on several occasions and was advised they would send me a check for the balance that was deducted from my bank account, the amount was {$590.00}. I was advised by the store manager of XXXX that the check would take 6-8 weeks it has now been 9weeks,. I contact XXXX a few weeks ago and was advised by one of there associates to dispute the charge with my bank and that this will resolve everything. Yesterday the bank declined the dispute and took all my money from my account without any notification. With that being done I contact the bank and they stated their is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I. C. System Inc. 
XXXX XXXX XXXX XXXX XXXX, Mn XXXX RE : Your Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fl. XXXX XXXX I XXXX XXXX Creditor to IC System Inc./Debt Collector Stop communicating with me regarding the above-referenced account. I refuse to pay this alleged debt. I don't know IC System. I never had any contracts/master purchase/ bill of sale/ assignment/terms and conditions/promissory note/ no bindings to pay any debts to/with IC System. I do not owe IC System any debts or fees. If IC System is buying paper in an attempt to collect debts from consumers without any written contracts/agreements I have no part in that. Cease all communication with me, my family, my friends, and all Consumer Reporting Agencies as soon as possible. Otherwise, I will consider this aggregated Identify Theft as I never gave my written permission for your agency to have my personal information nor to contact me or publish anything about 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 2017-11-29
Company: Bread Financial Holdings, Inc.
State: FL
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:
My son was admitted into the XXXX twice this year back in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX which caused me to miss work and fall behind on my credit card. I have called XXXX XXXX in regards to my XXXX XXXX credit and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: MB FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX XXXX XXXX XXXX, XXXX, Bank employee XXXX XXXX Stated that my savings account was closed preventing me from making a deposit into my savings account. XXXX XXXX XXXX, XXXX, Never answered the Certified letter sent and received by VP XXXX XXXX that was sent to him, due the meeting with myself and two witnesses which was present at the meeting thats willing to testify concerning XXXX XXXX XXXX, IL ; XXXX XXXX XXXX, Check # XXXX, XXXX, IL., Legitimate, Certified, XXXX, Act ; copies! XXXX ; Demand applies, my name is indicated by XXXX XXXX XXXX , XXXX, causing Fraud Upon the Courts/ Aid & Abetting! Coverup are a Crime!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Four credit cards were closed recently which greatly affected my score, and I did not close them personally. In XX/XX/XXXX, XXXX with XXXX XXXX  closed my account ( " canceled by grantor '' ) since it was going out of business ; affected my score slightly, no big deal. On XXXX XXXX, XXXX, XXXX XXXX/XXXX closed my credit card because the store was also going out of business ( " canceled by credit grantor '' ). Yet, it still affected my credit score and it dropped again. Next, my XXXX XXXX XXXX XXXX credit card was closed in XX/XX/XXXX due to " inactive account. '' Score dropped again. Finally, My XXXX XXXX XXXX XXXX closed my account on XX/XX/XXXX " due to inactivity '' and my scored dropped SIGNIFICANTLY again. I worked my way to an EXCELLENT credit score for a long time now, and now it's in the 600 's and only " FAIR. '' I was in the 800 's and EXCELLENT for a long time. I inadvertently opened a credit card in XX/XX/XXXX when attempting to buy a pricey item, but we changed our minds. Now I have this open credit card I don't want nor need, but can not close it because I know my score will drop again! This is ridiculous and outrageous. The companies did NOT reach out to me about keeping my card active ; I had no idea they could be closed without my consent and have it affect my score because of it. Had I known that, I would have eventually closed them out over a longer period of time and/or used them sporadically so they were not inactive. This needs to be fixed. I am saving to buy a house and am appalled my credit is deemed " fair '' and in the 600 's when I worked hard to get it where it was. Please fix this and I'd be more than happy to assist in anything I need to do on my end. Thank you.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This was a {$600.00} loan with a XXXXmonth term. I was wrongfully terminated and fell behind on everything. I've wanted to take care of this but XXXX years later they are still reporting random balance increases yet charged off the account. The balance they're reporting is entirely made up. It doesn't reflect interest owed or even my loan with them. They refuse to remove it after XXXX disputes with credit bureau. I've called and the lady refuses to give me the manager and they don't call back. I can't move my family into an apartment and been denied jobs.

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 2015-06-10
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I had XXXX XXXX XXXX XXXX. 
I defaulted on the card because of XXXX change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX LLP have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on Social Security XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given 20 days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has been reluctant in addressing my concerns in detail as follows : # 1 A clear documented chain of title, from the origination initiated by XXXX XXXX XXXX , XXXX up to its current " XXXX &   XXXX. '' # 2 Documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition, to all original notes, all on-time payments made and all original documents that were executed from the originator up to the current XXXX & XXXXXXXX XXXX See attachment of my deed.

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 2019-11-24
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently tried to pay off debt. I got in contact with Law Offices of Marvin S. C. Dang, LLLC whom bought my debt. They refused to mail me my current debt amount and requested a different amount citing processing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
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:
A credit card I had with USAA Savings Bank was charged off in XX/XX/XXXX while I was serving as an XXXX XXXX in XXXX. USAA issued a " Cancellation of Debt '' XXXX to the IRS and myself on XXXX where I have already paid income taxes on the amount charged off. USAA however is still reporting to all the credit reporting agencies the same debt with an outstanding and Past Due balance for the same amount charged off in XXXX. I am in the final stages of getting a VA mortgage approval but USAA is unwilling to show the account with a XXXX Balance and noted they still intend to report the account as unpaid which is preventing me from a VA Loan approval. Several calls have been made to get this resolved but USAA is not willing to correct the information reporting to the credit Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: SUNTRUST BANKS, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I wired money ( {$25000.00} ) to XXXX XXXX XXXX XXXX out of the XXXX via their U.S. agent in Florida, XXXX XXXX, at Sun Trust Bank in XXXX, Florida. This scam artist stole the money. I filed a complaint with the local police, incident # XXXX, XXXX XXXX Police, of XXXX, Pennsylvania. The police issued a search want to Sun Trust to produce evidence of the crime. Sun Trust has failed to comply for two months. XXXX XXXX  was the origin of the wire.

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 2020-01-10
Company: TrueAccord Corp.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
true accord contacted me about money that I owed to XXXX XXXX bank they told me I could settle for XXXX I paid XXXX which I over paid by mistake. in am on disababity and I need that over payment back to me they said they would also take this off my credit report if I paid and would return my over payment back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX  XXXX sent me certified mail that claims to be a judgement for wage garnishment on a 15 yr old loan. The last payment I made was in 2010 to a different collection agency for the same Discover debt. This money should be barred according to NYS law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Dear Representative, First of all the statement that Citi sends does not show amount remaining on any balance transfer offers which in my opinion is deceiving. Anyway Citi sent me a statement for the billing period XX/XX/XXXX - XX/XX/XXXX with a balance of {$1500.00} owed ( statement evidence enclosed ). This is the total outstanding on my part including my balance transfer offer XXXX, then I make a payment of {$100.00} onXX/XX/XXXX and another payment of {$1500.00} on XX/XX/XXXX totaling to {$1600.00} ( statement evidence enclosed ). Essentially the last statement outstanding balance was fully paid i.e. including the balance transfer. So now after two months what happened is that in the latest statement ending XX/XX/XXXX I noticed interest was charged to my balance transfer offer XXXX. On inquiring I was told that I still owe {$270.00} under balance transfer XXXX. I dont understand how is there an outstanding balance now?? This is just very deceptive because Citi sends me a statement showing {$1500.00} I owe and I pay {$1600.00} against it and now after 2 months my balance transfer offer XXXX still shows that I owe. This is totally ridiculous!! I have been going back and forth with them without any solution. I need your help in getting this sorted out please! Best Regards, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was put into Forbearance during the covid shutdown. I was told by Wells Fargo that I was not going to be charged fees and when covid was over my payments during forbearance would be added to the end of my loan. 

Covid forbearance ended and I began making my payments on time online. here are my payment dates and I have bank statements and Wells Fargo statements to prove. 

XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$1700.00} I spoke with a person from Wells Fargo and she confirmed that my payments from Covid time would be put to the end of my loan and I would just need to start making my normal monthly payments so I did. 

In XX/XX/XXXX I was mailed a check from Wells Fargo for the payments I had made. They said that they were not going to accept my payments and I was now in forclosure. A few days later I had a notice taped to my door telling me they would auction my house on XX/XX/XXXX. less that a month away now. I tried to do more paperwork to refinance. But Wells Fargo told me they wouldn't be working with me and there was nothing I could do to stop the auction. 

XX/XX/XXXX Wells Fargo sent me a check for XXXX $ which would be 5 months of payments I had made to them online. I have been trying to sell my house before I loose everything, I have lived in my home for XXXX years now. I only owe XXXX $ on my home. it is worth {$450000.00}. please help me or point me to who I need to get in touch with to get some help with this situation. Thank you so much for your time

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 2017-07-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX in XXXX XXXX, TX. failed to render aid in a housing crisis of backup sewage and water leaking all over the floors. I gave notice of needing help, and they told me to leave my rental keys in the mailbox and leave. They sent me a bill when I asked for my deposit in return after getting my children to a safe new location, they stated I owed over XXXX in fees for cleaning and damages, when in fact I do not, and the only damage was their water and sewer leaks. Today XX/XX/XXXX I  received a letter from a collection agency XXXX XXXX XXXX XXXXstating I owe this money when in fact we argued with XXXX XXXX XXXX in XXXX XXXX TX. per email and no response was ever given after contact XX/XX/XXXX, I do not owe this money and my deposit was never returned to me, the landlord has failed to reply and underhand turned over no legitimate debt illegally to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Can you all please remove this the dates are inaccurate

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 2020-01-10
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please be advised that our home payments increased to near triple of the monthly payments. Wife lost her job as she was XXXX   and could not work so we lost income. All the home in this newer community are for sale. We tried all options with the lender and were not able to get anywhere. We have a short sale package over the the lender and filed a complaint with midamerica to let them know their communication has been ZERO. The lender does NOT answer the phone they place you on hold over an hour and drop the call. We have tried to verify that the lender has all our short sale docs in review and we are not able to communicate with them. Over 3 weeks of calls and nothing at all. When a borrower is in distress we are in URGENT need to communicate about the status of our loan and the review of all options as a consumer. We need help to make sure the lender is contacted about getting this resolved NOW! as I am in a situation that is timely and needs attention right now. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX and # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2. It also states a Consumer Agency Can not Furnish an Account without my written instructions.

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 2017-07-19
Company: U.S. BANCORP
State: WA
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:
Had a personal line of credit since XX/XX/XXXXwith US Bank. Employment, medical problems circa XXXX. Unable to clear the line of credit, and eventually retired. The line of credit was charged off as uncollectible by US Bank. The bank keeps showing the account in a current late pay status even though it is classified as a charged off account. Attempted to get a loan, but there were questions about the late pay status of the account.

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 2020-01-10
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received from Southwest Credit Systems regarding my account being settled with XXXX. However, XXXX is still saying that I have a past due balance stating that I owe them when the account has been resolved. 

I have called both Southwest and XXXX in reference to the communication regarding the updating my account, and I was told that this would be updated in XXXX with XXXX, and to date they still have my account stating that I have a past due balance when the account has been settle.

Company response to consumer: Closed with explanation