BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A woman in XXXX XXXX advertised a house for rent in XXXX XXXX. 
I responded, wanting to rent for the month of XXXX 2016. Her " husband '' handled the initial exchanges, including a contract, certificate of ownership, etc. I filled out an online application. It was all done online. 
After I sent the {$1000.00} security deposit he requested, his wife texted me saying he had died XXXX. She wanted the rest of the payment - {$1500.00}. 
At this point I realized I was in deep trouble, so I refused. I got to MoneyGram Inc only 1 hour before she picked up the {$1000.00} and blocked it. I now have my money back but do not want this woman to scam another person. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried contacting the credit reporting agency at all their available numbers, however, I have repeatedly been unable to get in contact with a real person. Every programmed phone tree I am placed in eventually tells me to get my free report from the annual credit report website, then hangs up on me. When I tried to re-access my report, the agency says I 've already accessed my report, even though I was denied on my first try. I have no idea who to contact on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$530.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. XXXX reporting high credit as XXXX, XXXX  is reporting high credit as XX/XX/XXXX, and Equifax is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, XXXX  is reporting last payment as XX/XX/XXXX, XXXX  reporting last payment as XX/XX/XXXX, and Equifax reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently opened an account with M & T Bank, and my debit card was stolen, and used to take out money. It happened at work, so any co worker could of seen my pin standing behind me at an atm any of those days. It is sad that you ca n't even trust your own coworkers!! I called M & T Bank to cancel my debit and order a new one, and I had trouble just ordering a new card, and they could n't process it, so told me to call back in a week! I have no money now and no card! How am I suppose to eat, pay bills, or anything?! The first time I called the representative was so nasty and hung up on me! I just want this bank to help me with this problem. I switched my bank to join the M & T family, and I have gotten no help! They have not given any response or resolve. Not even a provisional credit to get me by! They hit with fees from every angle, but ca n't help a customer in need. SAD!

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 2020-09-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
navy federal froze my checking an saving accts XX/XX/2020, they stated they are doing an audit, with no answers an whats going on, i only got questioned about my SBA loan. They put me on hold to look up registration status while on hold i did the same an saw the listing with the Secretary of state showing i owned the business, they finally came back on the phone an stated they couldnt find me as the owner???????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX 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 2020-04-08
Company: Meridian Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I want to start by stating that I am a elder veteran who is being taken advantage of and pressured into paying for an account. Furthermore, Meridian financial services is ruining my credit rating and affecting my ability to obtain credit. They took an account which they state is " one account '' in the correspondence they sent me and broke the account into 4 separate accounts on my credit reports. When I asked the credit bureaus and the collection agency to validate every account reported they are saying it is accurate. Actually, XXXX  even has them listed as an ATTORNEY which I believe is actually against the law to my understanding. Initially, I received a letter from Meridian Financial Services dated XXXX XXXX which stated I owed them {$7900.00}. More recently I received one stating {$6100.00}? First off, I never signed a contract with this organization and have since requested where in the original contract with the creditor did it state I would need to work or communicate with this collection agency. Furthermore, I received notification from the original creditor that the mortgage was satisfied and paid in full yet, this collection agency is reporting over $ 6k in separate payments ( which I have attached all of this documentation ). On just my XXXX   alone ( which has them listed as an attorney ) there are accounts in the amount of {$640.00}, {$2200.00}, $ {$2200.00}, {$890.00}. How can this even be the case when the mortgage was paid/satisfied and somehow they say I still owe them money for 1 account yet there are four accounts? I am confident I am being taking advantage of and they are trying to steal money from me even during this pandemic.

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 2022-09-09
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I use Credit Karma. In the past few months I have received repeated alerts, recommendations & invitations to apply for personal loans and credit card offers with outstanding approval odds. I apply and am denied the loan and/or credit card. This is a deceptive practice. Im not clear why they continue to bait me with these offers only to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This matter revolves around a medical bill from XX/XX/XXXX that insurance after a lengthy battle did not cover the cost. I paid the XXXX bill in full XX/XX/XXXX. When I paid it, I inquired about having it removed from my report as it was hurting my score and it was medical related, not like a car repo for example. The manager was very nasty on the phone and claimed since I inquired with them about the bill when they put it on my report XX/XX/XXXX that they did n't have to provide any verification of said debt in writing as required by law and requested by me more than once.Her exact words were " If you dispute this file or complain about us we will make it very hard on you. '' ( This was after payment made ) For the last 2 years this collection read on my report as ND ( no data ) causing damage, but minimal.upon payment it is now listed as a fresh new collection dated XX/XX/XXXX under reported since, payment history and account history where it now is causing considerable damage to my score. on top of all that they keep updating it to say Collection account instead of medical as it really is, they list it as delinquent from the date I was in the hospital. They also list the terms of agreement as 1 month. all these should be marked n/aThey also refuse to remove the comments from the account calling it a collection in dispute, making me unable to get a mortgage because of those comments and them making it look like a fresh collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I recently sent {$100.00} to a guy who I sort of know and he told me in writing and over the phone that I would get paid XXXX in return. Now that I have sent my share he has not sent mine in return. I am highly upset. His reason for not sending it is because he went out that night. Which is not business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The forbearance period ShellPoint servicing is offering I feel does not comply with the recently passed CARE law. 

My understanding is ShellPoint Mortgage Servicing will allow a forbearance of a maximum of 90 days then the full amount owed is do ... 

Hence if your payment is {$1000.00} a month and you miss 3 payments you will owe {$3000.00} after the 90 days.

I do not see how this is helpful? The 3 missed payments should be added to end of the loan not within 90 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from Midland Credit Management stating that I owed a debit. I requested they send a debt validation letter on numerous occassions. I was told they could not send another letter out because one had previously sent one and were only required to send one. I stated they were using an incorrect address, and I would need to have the letter sent before agreeing to pay for anything. I gave them my updated address and explained that I had not lived at the previous address in YEARS. We didn't even live at that address when the supposed debt incurred. No such letter ever came, and I disputed it on my credit in XX/XX/2020. It was removed from my credit, however I am now being sued by this company even though they have never validated the debt. There also seems to be a payment made on the account on XX/XX/2020, which is invalid as I have never accepted this debt nor made payments because I never received the correct validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
For years, XXXX automatically deducted my mortgage with no problems. But before Bayview took over, XXXX sent me a statement ( which I confirmed by phone call ) that my payment as of XXXX/XXXX/2015 would be {$610.00} instead of the current {$660.00}. 

Bayview bills me {$660.00} & does n't explain the discrepancy. I 'm inundated with letters repeating the same stuff & incorrect information from the loan counselor. Recenty, I got a letter that my account was transferred to another company & been waiting for details on who to pay for XX/XX/XXXX. 

Yesterday, Bayview sent a loan modification application for which they 've previously said I did n't qualify. 

In XXXX, transactions with the current servicer has me confused, stressed out, & suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has not paid my property taxes. They were originally due in XXXX, and have incurred fees every month since then. I have called the mortgage company every day to try to resolve, but no action has been taken. I have had my mortgage company and the property tax collector on the phone with me at the same time to try to resolve the issue, and it was discovered that the mortgage company had the wrong parcel number. This has been corrected, but the taxes have still not been paid. They are now listed as delinquent, and our names have been posted in the local paper as being delinquent on paying our taxes. When I call the mortgage company every day, i speak to a different person every time and can not request to speak to someone familiar with my case. 2 weeks ago they told me that a check would be overnighted to the tax collector, but no check has been issued. Im at my wits end, and dont know what else to do. As of XX/XX/XXXX, a lien will be issued on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX/ XXXX XXXX. XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Please note, that Transunion and XXXX  have already deleted this account as it was in violation. Per XXXX  reporting account status, it states derogatory, date of last payment was XX/XX/XXXX, and two-year payment history is reporting current for the past 2 years. This is inaccurate information, delete per violation. For your records and my proof, I have enclosed a snapshot of my credit 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 explanation
Consumer complaint received 2019-12-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I attempted to make a {$1000.00} cash deposit into a Citi Bank ATM. The machine malfunctioned when i inserted the cash returning an error message stating it was unable to process my deposit or return my cash. The branch manager was only willing to share her machines report with the investigation team. I was told the investigation would take up to 45 days.This is a simple fix as the branch 's manager ( XXXX, XXXX XXXX XXXX   XXXX XXXX, Ca ) confirmed their machines cash count was over. I need my account credited ASAP!!!

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 2019-10-24
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Citi credit card holder since 2009 and have always paid my balance in full. I have not been late for any payments and have an excellent credit score. When I tried using my card couple days ago, my transaction was declined. I ignored it as i thought it may have been due to some fraud policy. But it happened yet again, and then when I checked my online banking account, I noticed that my credit card account has been closed. I received no letter about this and also no reason for closure seems to make sense here. When I called the customer service center to learn about my closure reasons, I was told that I will have to write a letter to a certain address and they can give me more details. The least of all Citi could have given me information on the phone as to why my card was closed. I wonder if this was due to an error in their system? I see no reason why an active credit card, with no payment defaults was closed. Additionally I had recurring payments setup on the card which will now need to be transferred over to another card.

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 2022-05-05
Company: AmeriHome Mortgage Company, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job due to covid. I know as a consumer my rights have been violated by Amirihome Mortgage. The foreclosure process they are attempting to take me through is fraudulent and is illegal according 15 U.S.C 1692e. False or misleading representation states a debt collector may not use False, deceptive, or misleading representation or means in connection with the collection of any debt. I created the document ( NOTE ) which makes me the grantor. In doing so I gave XXXXXXXX XXXX XXXX, XXXX the fidicious duty as trustee. The my promissory note was sold to Amerihome Mortgage. 15 U.S.C 1692e number 4 states The representation or implication that non payment of ANY debt will result in the arrest or imprisonment of any person or the SEIZURE, GARNISHMENT, ATTACHMENT, OR SALE OF ANY PERSON unless such action is lawful. Section 5 the threat of any section CAN NOT Legally be taken. 
Section 6. The false representation or implication that the sale or transfer of any interest in a debt shall cause the CONSUMER to ( a ) lose any claim or defense to payment of the debt or ( b ) become subject to any practice prohibited by this subchapher. I do not owe Amerihome anything this ALLEDGED debt was paid in full when I created the NOTE. They are not the originator or the beneficiary and neither is XXXX. I am the Consumer and I will not allow my rights to be violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation