BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: CBC Companies, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I used to have a XXXX card ( XXXX XXXX ) and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX , XXXX XXXX is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.XXXX XXXX ( XXXX XXXX XXXX/XXXX ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I entered into a loan agreement with Wells Fargo Mortgage on Monday, XXXX XXXX, 2016. I had been preapproved for several months. I advised my loan officer that I was looking at many different types of homes to purchase. In XX/XX/XXXX, I asked if they lent on Manufactured homes. I was advised the did indeed lend on that type of home, if the land was included. A week or two later, I asked if they did leased land in communities. I was advised that if it was in an approved community, they would. I gave the name of my community. I checked back a couple of times, to verify a purchase was possible in my chosen community. I was advised it was approved. I closed on the sale of my home on XXXX XXXX, 2016. I signed a contract to purchase a home that afternoon and proceeded to start the formal loan processing process. I was advised I would need to pay {$610.00} for an appraisal. I gave the loan agent the number to my credit card. I forwarded all requested documents and signed all forms. I received a call from the loan processor the next day to go over my paperwork. He stated he needed the name of a title company, I advised him it was not necessary in Florida. I requested he speak to the agent at the community. I called to check on things on Wednesday, he said he was almost ready to submit my documents for approval. On Thursday, my agent called and stated that she had indeed spoken with the lender. I received a call from the original Loan officer that stated they would not be able to make the loan on the manufactured home because it was not being converted into real property and their bank did not do that type of loan. After the shock of having deposited money on a home, I now did not have a lender, I asked for my appraisal money back. I was told the refund had been processed. I checked my bank account from Friday to Monday, XXXX XXXX, no refund. I called on Monday and left a message for the processor with no call back. I called again later in the day and he told me he would check on it and call me back. I did not receive a call back. I called again Tuesday and given a tracking number for the transaction, that only is trackable through their system. I call my bank, they have not pending deposit. I call for a supervisor and got voice mail. I do n't understand why it takes this long to credit my 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 2020-12-29
Company: EQUIFAX, INC.
State: OH
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: Problem getting your free annual credit report

Complaint:
I had no problem today getting reports from XXXX or XXXX using XXXX. However, Equifax presents me with bogus questions to confirm my identity ( all were N/A ). This exact scenario played out in XX/XX/2020 -- Equifax was the only bureau presenting bogus security questions. I responded by requesting my Equifax report via mail and included the security questions with a full description of the online access issue. Nothing in the Equifax report I received was remotely similar to the security questions that lead to the denial in XXXX and there was no communication regarding my access issue. A quick web search revealed that I am not the only victim of Equifax 's " glitch ''. Is anything being done about Equifax denying people their own personal information, to which they are entitled by law? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$180.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-03-18
Company: Albert Corporation
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Switched my bank to Albert because they advertised early deposits for pay. My check went out from work Wednesday of this week. Today its Friday morning at XXXX am and instill dont have my deposit. No one will answer question. No number to call. This is very frustrating and I need an answer. They can just steal my money!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: JAMES B. NUTTER & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Currently on XXXX XXXX. This company has failed to : 1. Assess for loss mitigation after 4 months as required by HUD0 regulations.

2. Given erroneous and false information about loss mitigation that it claims I do not qualify for. I requested documentation- it failed to provide.

3. Refuses to correct my mortgage statement address despite repeated requests to change my address on the statement that is incorrect.

4. Refuses to provide loan reinstatement amount needed to bring loan current 5. Routinely provides inaccurate bank statements reflecting incorrect loan balances 6. Failed to give proper credits for money paid. Repeatedly attempts to steal money 7. After identification of accounting errors, continues to credit for incorrect amounts 8. Refuses to provide updated loan information requested by borrower 9. Refuses to specifically breakdown charges assessed for legal fees, late fees 10. Payoff information was requested last week, said it would take 30 days to provide payoff-information on the loan.

11. Fails to change mortgage statement address to give appearance that I do not live at my home. It has known since the inception of the loan my home is owner occupied and is my primary residence.

11. Bulk of its customers are XXXX XXXX its repeated abuses are outrageous and systemic. Denial of relief programs available to qualified customers is unacceptable. It exploits and cheats XXXX customers repeatedly without consequences nor repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I suffered a water damage loss which was paid out by my insurance company for approx XXXX. The check was made out to both myself and Carrington Mortgage Services who recently purchased my mortgage from XXXX. Carrington deposited the check instead of returning it to me so I can cash it and pay out the Construction companies that are working. Instead they have made me acquire W9 's lien waivers, licenses etc from my contractors. 2 contractors did not think it was worth the hassle and walked away withdrawing their bids. It is now XX/XX/XXXX and my GC contractor have been waiting for additional funds for weeks and wants to stop working. I have 1 toilet and a shower with a slop sink in my kitchen. No usable kitchen for weeks!!! 

I have submitted inspections, asked for monies, some of which were denied causing me to lay out cash that I now need to live. My account owners voicemail does not work. the Supervisor I have been dealing with is on vacation. I have even spent money to send the a prepaid XXXX XXXX label to mail a check because they want to use the USPS 1st class mail form California. I have done everything I can to work with Carrington. I am now considering refinancing to get away from them. 

My Account Owners voicemail is not working, the supervisor is on vacation and I have spent over an hour so far today with 4 calls that have been incorrectly transferred and being disconnected waiting for another supervisor after 43 minutes. I am again on hold as I type this message. 

My family just wants our house back together from our loss " 3 MONTHS AGO '' PLEASE HELP US!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
PayPal shut down my account and told me I could have my money back in 180 days. On XX/XX/2020 PayPal took the money out of my account and sent it to themselves. When I called on XX/XX/2020 I was told that I could not have my money. They would not tell me why they kept it even though I asked numerous times. I am owed {$820.00} by PayPal as the 180 day period is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Debt Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XX/XX/XXXX about the debt and disputed it many times. The paper work on the debt seemed shady to me. The bill we supposed to be covered by XXXX XXXX in Texas. I see know charge of date in the paperwork. It looks the bill is un clear. I contacted the collector and informed and be keep telling me wrong dates and making up what thing mean on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an accelerated Savings Account with Citi in XX/XX/2019. The account was set up online within a few minutes ( and I did not have to submit any additional documentation via mail ). The account was compromised in late XX/XX/2019 with fraud activity with ACH for nearly $ XXXX. I contacted Citi and within 2 weeks the funds were returned ( early XXXX ). The account was then compromised again with fraudulent activity for almost {$400.00}. I contacted Citi and they advised that the account need to be locked to prevent further activity and that I would need to submit a new application for a new savings account. They transferred me to a representative to set up the new account. My understanding was that the account was set up, though I received a packet in the mail requesting additional information. Documentation was submitted online through XXXX. When I contacted a representative to move the original funds to the new account, the representative advised that the new account was never set up because the tax documents were not submitted. I then submitted the tax documents, but because they were not submitted within 30 days of the application, the application was closed and account was never set up. I then advised that I would like to close the original account and request that the funds just be mailed to me via a check ( or if possible, wired to my non Citi bank account ). Citi advised to close the account I would have to visit a branch. I advised that I was in XXXX area and that there were no brick & mortar branches in my state. I contacted Citi on 4 different occasions in an attempt to close the account and would constantly receive different information and go in circles from customer service, to a branch, to fraud departments. Nobody has been able to help me and I have spent nearly 6 hours on the phone trying to resolve this issue without success. Please help me resolve this issue and get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Home loan transferred servicers during the home sale closing period. Purchaser title agency wired mortgage payoff amount in the period of XX/XX/XXXX - XXXX, {$300000.00} including 7 days per diem interest, to loan transferrer ( XXXX XXXX ) on XXXX. Loan transferrer then sent the funds to transferee Mr. Cooper and funds were received XXXX. Mr. Cooper sat on the funds for an additional 5 days ( XXXX ) then requested more funds on XX/XX/XXXX. {$370.00} in interest fees and {$64.00} for a late fee. Requested additional funds were wired to Mr. Cooper to avoid additional interest fees and delaying the home sale closing process. All parties paid funds on time therefore there should be no additional interest or late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My lease was about to be up, so I went in to obtain a new car. I spoke with representatives, came to an agreement, then on the day I was supposed to come in and pickup the new car, I received a phone call that they werent going to honor the deal that was reached. I went in and spoke with the manager who at first was not going to honor the deal, but once he realized it was the representatives error and not mine, they honored it. Or so I thought. I went in finally a week later to get the car and of course the lease terms had changed. They were only going to honor the price, not the mileage that was agreed to, but a this point, my lease was due to be up, so I didnt have a choice but to take a lower mileage lease or be stuck with no car and rushing to find transportation. After all this, my problems were just beginning. They took my lease turn in and then threw an $ 1800+ balance on my credit report. After finally getting that taken care of after weeks of going back and forth, theyre still reporting a $ 480+ balance. This is all after I disputed multiple times because they continuously marked my payments late because of a late fee that they added, even though my payments were on time. I want the late payments removed from my credit report and I want this false $ 480+ balance removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card in the mail today, XX/XX/2020, which I believe is fraudulent. It is a Visa card from U.S. Bank ReliaCard ( Introductory letter attached ). 
Neither my wife or I ordered this card, but we recently refinanced our home and believe someone may have accessed our information fraudulently. 

I attempted to contact US Bank at the telephone number and website they gave. The website located at : https : //www.usbankreliacard.com/web/usbankreliacard/login did not provide me any information about canceling a fraudulent card. Using the telephone number given on the card and introductory letter ( XXXX ), I was unable to address my concern. First, I was asked to provide information through AI about the account. When asked to provide my last 4-digits of my Social Security number, the account indicated that I need to be transferred to a customer service assistant. I provided information for both my wife and I without success. After being transferred, I waited on-hold for 20-minutes and was eventually kicked off the line. While waiting, I received several automated voices telling me they were extremely busy and thanked me for waiting. Eventually, a final automated voice told me that I could not take the survey because it was not available and then hung-up on me. I was not intending to take a survey, nor did I ask to be placed in the survey taking cue. 

I do not know how else to resolve this issue and would like to have a response from the company. It is very difficult to resolve my complaint when I can not contact a real-life customer service assistant.

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 2022-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I wanted to choose both options above, which are : Sued me without properly notifying me of lawsuit and sued me where I did not live. Meaning, they sued me in a county where I have never lived at. I got the case file from the county they filed in. I was never served and it states it in the paper work. 


Let me tell you about this practice this company has with filing garnishments and lawsuits in different counties, so that the person that they are after does n't have a chance to respond, answer, or show up in court on a court date they were never notified about. Yes, that is me. The only reason I was notified about this garnishment is because my job notified me. Please keep in my that my job tried to stop the garnishment because they have been doing this for a few years now. They then threatened to go after my employer. They are acting on behalf of GMAC which is now XXXX XXXX. We spoke with them and they told us that they are acting in an illegal matter. We have consulted with an attorney. They acted illegally by first filing a lawsuit in XXXX XXXX that we have never lived in. We went down to XXXX County to get the entire case file. They have never filed in XXXX county that we lived in. No one has ever served us at all. This is n't about whether we owe a debt or not from 11 years ago. This is about their practices. We have also filed a complaint with the consumer agency in georgia. We have mailed a demand letter to XXXX County, demanding that they cancel this garnishment and our reasons why. We have faxed a copy of this letter to the Law firm/collections agency as well. We received notification that the fax succeeded. We also sent a letter to them as well. Lastly we have filed a complaint through the attorney generals office. We are also prepared to file a civil suit demanding that wages that have been garnished, be repaid, if it is n't stopped immediately. You can not go around illegally garnishing wages through illegal procedures. Our attorney says that we have a very good case and that they are in violation of the fdcpa as well on how they went about collecting this debt. If they want to contact me, they can. Not regarding collecting this debt though. This is regarding how they can avoid legal action period. My phone number is not for them to call me trying to collect this debt either.

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 2019-02-05
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to purchase XXXX tickets on XXXX. The seller accepted my XXXX payment, then failed to send me the etickets, and blocked my phone number. 
He said his name was XXXX, his email is XXXX and his phone number is XXXX XXXX Transaction # XXXX A XXXX XXXX XXXX investigation determined that " one of  the access tokens is registered with Citibank ''

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