BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XXXX, 2020, I made XXXX XXXX transfers through my Citibank account to my husband 's cell phone number, XXXX, in the amounts of {$2000.00} and {$650.00}, respectively. I had previously transferred money in this way many times without a problem. However, according to the XXXX receipt I can now see in my Citibank online account, this time the money was transferred instead to someone named XXXX XXXX. My husband, XXXX XXXX XXXX, still owns the cell phone number, and we learned later from his bank, XXXX XXXX, that his XXXX token had been transferred without his permission. When I sent the transfer on XX/XX/XXXX, my husband was sitting across from me in our home office and he immediately received a text message to his cell phone XXXX indicating that he had a transfer made to him from me. Likewise, on XX/XX/XXXX, he received another text message for the second transfer. When he did not receive the transfer to his bank account at XXXX XXXX, we immediately called both of our banks. Neither of these banks, Citibank or XXXX XXXX, have provided any remedy to this situation. Citibank has told me I need to contact the recipient, which would be impossible since I do not know who received the transfer. If it was in fact someone named XXXX XXXX, I do not know anyone, nor have I ever known anyone, by that name. Citibank has now denied my complaint twice. 
The transfer of the XXXX token appears to me a crime in that someone has now stolen {$2600.00} from me, and I would expect that Citibank XXXX XXXX should recognize it as such.

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 2020-06-01
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage is corrupt and deceptive. I have had nothing but horrible experiences for years. I called in on XX/XX/2020 to make an additional principal payment because they dont allow it on the website ( obviously a tactic to get people to pay more interest ) so I WAS on bi-weekly payments to try to pay less interest but that doesnt even work because all they do is HOLD your payment until the end of the month so you end up paying full interest anyway!! They have very deceptive practices!! So ... on XX/XX/XXXX, I could not make an extra principal payment online so I had to call in to get REMOVED from automatic payments. I was then able to make my {$10000.00} extra principal payment but now they put me back on auto pay/ bi weekly payments WITHOUT MY AUTHORIZATION. I send emails through the website and they NEVER NEVER NEVER answer their emails. I have always had to call to get any answers and every agent is absolutely clueless! I am left with no other alternative but to send a formal complaint to get this company to do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: ACIMA CREDIT, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
on XX/XX/XXXX or on XX/XX/XXXX I called in to Acima to ask them not to bill be and to hold my payments. They told me on both dates that they had put a block on my account and that all I needed to do was to just call in to restart payments or send in mail. 

on XX/XX/XXXX the sent a eft to my bank the amount of XXXX. after they told me they would not. 
so that was a XXXX plus the XXXX bank fee. 
then it kept going on as follows. i ask the bank to stop acima they said they could not so i called asima they told me that they didnt attempt to get money all those time now i owe the bank XXXX in fees. 

XX/XX/XXXX COLLECTION FEE XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX MAINTENANCE FEE XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX OVERDRAFT FEE fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX and also another collection fee from bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
This inquire isn't recognized dates : XX/XX/2020, and XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle was repossessed by XXXX XXXX XX/XX/XXXX a XXXX XXXX XXXX XXXX and it was the same day the company sent the Notice to Cure and the law states that I have 20 days to reply to that notice but I never received a notice and my car was repossessed that day. I called the company on XX/XX/XXXX at XXXX PST when I noticed that I was being billed twice and my due dates for my car note was suppose to be on the XXXX of each month. The representative hung up on me when she was trying to get ahold of a " manager '' after being on hold for 30 mins when I could clearly hear her in the background typing and listening to music. This company has a class action law suit against them for taking advantage of consumers like myself. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
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:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )

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 2015-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have issue with my second lien on my primary resident. with Bank of Americai was told by b o a staff on XXXX that my second loan was waived and they willsend me the release of lien shortly, after that due to family emergency i had to go to overseas and lost contact with bank of america . also never received any certificate of lien release. mean while my first loan that was originally with bank of america after several times attempt to modify, and deny with no reason. finally was sold to XXXX, then after several attempt finally my first loan modification was approved, recenlty i check my property tittle report. and find out the second loan lien has not been released yet.?!!! 
i called bank of america, and first they denied the cancelation of my second lien, after several weeks i called bank of america again. this time they told that yes, my second loan was approved to be released on XX/XX/XXXX, but are not releasing the lien, and loan was referred to their recovery dept. for collection and demanding full payment on the second loan .my credit report shows as with XXXX credit agency as paid status, and with third agency as open account. 
Now my first loan has been modified but still is underwater, i barely can afford first lien loan mortgage .with HAMP loan, and there is no equity for second loan, but still demanding payment. it does not make sense to go through a first loanmodification process ( according to affordable home modification act ) and havingthe second lien with no equity position staying on the property as an activeand open second lien .and waiting some day to foreclose on my property. 
I ca n't afford to pay for my second loan, barely keeping my first loan in current status. 

why they do not release the second lien base on their XX/XX/XXXX promise?? 
what was the purpose Hamp loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: AFNI INC.
State: NY
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:
There are 2 fraudulent collection accounts on my credit. XXXX XXXX AND AFNI. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BofA has mishandled my escrowed property taxes since originating the loan, over and over again, miscalculating reserves, increasing the monthly withholding by about {$1000.00} per month, then decreasing and sending me a check for withholding too much, then failing to pay the taxes and incurring penalties and interest, then increasing the withholding again. I am shocked and appalled by their incompetence, and repeated insistence that I am to blame for their failures. It reminds me of the movie The Rainmaker, just that they have n't called me " XXXX XXXX XXXX ''. The only thing I 'm asking for right now is a refund for the penalties and interest that I incurred, in the amount of {$1300.00}. If they ca n't do this, and my appeals to you and their other regulators come to no avail, I intend to file a claim against them in small claims court, but to add claims for emotional distress and my time up to the maximum allowable.

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 2020-10-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received unsolicited debit card from US Bank due to a fraudulent Colorado unemployment claim made in my name. Trying to contact US Bank to rectify this has been impossible due to their horrible customer service phone service.

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 2020-10-19
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 calls me on behalf of XXXX express many times. Indites a completely different person who owes THEM a debt, not me. They have my information since I have the same name as the person who owes them. They are giving me personal information for the person who owes them and asks me to connect them to the person. I've yelled at them and asked them to stop immediately! I just received another call  XX/XX/2020 XXXX This is against the law! I should not know about this other person 's financial situation this company continues to call me over and over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Lender is unable to pull credit report as the message says inquiry reported as fraudulent by the consumer..unable to pull credit file I did not place a fraud alert on my account. Had issues back in XXXX with lender not being able to pull my file and equifax claim to fix it. Now this is a new issue. Called and spoke to several customer service agents who said they dont see any fraud alerts. Bank has even contacted equifax business side who referred them back to me calling consumer services who again didnt help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX : I opened a Citibank Account Package : checking and savings accounts based on a promotion offer. The offer was for a {$500.00} bonus based on the following : " Eligible customers must enroll in the " $ XXXX {$500.00} Checking and Savings Offer '' promotion. Open a new qualifying Checking AND Savings Accounts. To get the {$500.00} bonus, customer must make a deposit of {$15000.00} XXXX multiple deposits allowed XXXX within 30 days of account opening. Account must maintain a minimum balance of {$15000.00} for 60 consecutive calendar days following the date the {$15000.00} deposit was made. Complete one qualifying direct deposit into the eligible Checking Account each month for two consecutive months within 60 days of account opening. '' " You will receive your cash bonus within 90 days after you complete the required activities. '' I successfully met the requirements, and this was verified by Citibank on several occasions : one where I called several months ago, one via chat in XXXX, and one today via phone. The first call said the {$500.00} bonus would be posted by XX/XX/XXXX at the latest. That did not happen. When I then chatted with Citibank via the website chat feature, they said they marked my account and I should receive the bonus but if I do not I would have to call. Today, XX/XX/XXXX, when I called, they said they would fill out another dispute form, but because there is no " promo code '' for the dispute form, both the call agent and I are skeptical the dispute form will result in success. The dispute form ID is XXXX. This can take up to 20 days, but this is unacceptable as the bonus should have posted XX/XX/XXXX. 

Citi breached the terms of the offer by not posting the bonus within 90 days of me successfully completing the required activities.

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 2015-08-14
Company: Fidelity National Financial, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Back on 2005, We refinanced our home loan with XXXX XXXX, and Fidelity NationalTitle Group was our title company, and we never got the HUD statement at the time of closing and when we finally received a copy of the HUD1, and disbursement ledger it shows with out our signatures and also it reflects that the sum of {$51000.00} as paid to us from the closings preceeds. We have not recollection of ever receiving or negotiating a check in this amount from Fidelity National, and the reason that I 'm filling a complaint is because Fidelity and XXXX XXXX wo n't help. 
I respectfully request a invesigation into this matter and demand a proof where the funds are. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Credit card showed unauthorized charges as I RARELY use the card in the amount of {$14000.00}. Advise them I did not authorize. Agent confirmed I would not be responsible for transactions, but I am still receiving statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I think I am a victim of a hacked account and bad check scam. Around XXXX PDT XX/XX/2020 I received an email someone not me had mobile deposited a check into my account. When I logged into my account it showed my account was locked and did not let me access my money. I tried calling all the Bank of America NA and XXXX XXXX XXXX XXXX numbers and waited upto an hour without response.

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 2015-06-23
Company: American Coradius International LLC
State: FL
Product: Credit card
Issue: Sale of account

Complaint:
XXXX XXXX -- THEY CALL CONSTANTLY EVERYDAY, TWICE A DAY. THE ORGINAL ACCOUNTS THAT THEY ARE TRYING TO COLLECT ON ARE AT LEAST 4 YEARS OLD AND IN FLORIDA AFTER 4 YEARS THE DEBT BECOMES UNCOLLECTABLE. I HAVE SPOKEN TO THEM IN THE PAST AND REQUEST THEY QUIT THE CALLS TO NO AVAIL. ALSO ACI BILL PAY XXXX AND XXXX AND XXXX ALSO CALL FREQUENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
RE : Account # XXXX XXXX of XXXX. In XX/XX/2015 I was referred to Integrated by the VA through the VA Choice Program which allows Veterans to see a doctor outside of the VA Medical System if an appointment with the VA can not be obtained within 30 days. I informed Integrated that ALL of my medical expenses are paid by the VA because of my disability rating. Despite that and numerous conversations with XXXX and subsequently with the collection agency it referred my account to for collection - Choice Recovery - they refused to submit my claim to the VA and instead reported it to the credit bureaus. I want this credit report removed from my credit record. Your bureau is my last resort short of a formal complaint I will have to file with the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-14
Company: Sortis Financial, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX My financial advisor and myself contacted ClearSpring Loan Services concerning account # XXXX. We spoke to a XXXX XXXX at XXXX. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: NorthStar Technologies
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX XXXX a subsidiary of NorthStar Technologies XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX, Ok XXXX ( XXXX ) XXXX XXXX This company sent me a letter stating I owed a debt for {$4900.00} in XXXX 2015 and I immediately sent a certified letter requesting validation of the debt and a copy of their license to collect and received nothing, in XXXX 2015 I received a letter stating they were returning the debt and ceasing all collection activities. I received summons to appear in court on XXXX XXXX 2015 for XXXX XXXX Oklahoma as they have filed a lawsuit, after sending letter stating they ceased all collection activities. 
I do not live in XXXX XXXX, OK, nor have I ever and for them to fraudulantly sue me in this XXXX is additonal Fraud and FDCPA Violations, specifically after I requested Debt Validation and never received it and they sent me a letter that they were ceasing all collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation