BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: CBM Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We applied and were approved for a construction loan in  XX/XX/XXXX . We owned the land outright and so the loan was for the construction of the home only. Our lender,  CBM  Mortgage, recommended  XXXX   XXXX  to do the construction as they had recently done work with them. After speaking with the owner,  XXXX   XXXX , we entered into a building contract with him.  <P/> Construction on the home began in  XX/XX/XXXX . Throughout the process, the builder had issues making important dates and there were many problems. However, it became apparent that CBM Mortgage had given the builder draws that were not equal to the amount of work that had been done. No one with CBM has been able to explain the draw process - were appraisals done and if so, where are they? Were invoices submitted to justify payment?  <P/> There were many calls back and forth to both the builder and the mortgage company and we were assured everything was being done properly. Fast forward to  XX/XX/XXXX , and we receive a call from the owner,  XXXX   XXXX . He said all his assets have been seized by the IRS and he can not complete the home. A representative from  CBM  assured us that they will continue to work with us if/when we find another builder to complete the loan and if we need more money, they will make an exception to help complete the job. We began negotiating with some of the unpaid sub contractors ( the excavator ), but in that process, it becomes apparent there are several mechanic 's liens against the property ( over {$50000.00} ). CBM back tracked on their statement and said that until the mechanics liens have been paid, they are unwilling to fund anymore of the construction.  <P/> We believe that CBM Mortgage and   XXXX   XXXX   have ( or had  )  an undisclosed business relationship. We believe the owner of CBM Mortgage has loaned  XXXX   XXXX  money when times were lean and that he knew  XXXX  did not have a strong financial position. If  CBM  Mortgage was working in our best interests, they should have disclosed any and all information they had to make sure we could have made an educated decision. We also believe that  XXXX   XXXX  may still be in business as his trucks have been seen in the CBM Mortgage parking lot.  <P/> We are not sure your bureau is the correct department to handle this, but we certainly believe the lending process was not following as it should have been. Representatives from CBM Mortgage have been rude and unwilling to help. Now we face losing our land and future home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a home cash-out refinance through Citibank on XXXX XXXX, 2015. I called into the mortgage department and spoke to XXXX XXXX XXXX # XXXX and was immediately given a quote based on my credit score. I told the representative that the reason for my refinance was to save money ( as our current interest has been 8 % ) and to pay off approximately {$50.00} k of student loan debt. I was pleased with the interest rate quoted and wanted to proceed with the process I was afraid that the loan would not go through based on my median credit score of XXXX and asked for a guarantee which he did approve of. He said he was more than certain that I would be able to get a 4.125 % interest rate based on my score, and when he officially ran my credit, the rate and terms remained the same. He said that he needed a processing fee to initiate the process, I told him that I was afraid that I would n't get approved and he reassured me that he would return the fee if it did n't. Therefore, I paid the {$520.00} application and appraisal charge and everything seemed to go just well. Until, I was n't contacted by XXXX anymore. Interestingly, my loan processor was abruptly changed from XXXX lady to another and I kept receiving calls during my work time ( which I had indicated was not a good contact time ) eventually I spoke to a new loan processor and she informed me that the loan was denied based on my credit score. I received a new credit score of XXXX and to this date I have not heard back from XXXX. During this time, I allowed my student loans to go unpaid certain over the process of all the refinance going through. During this time my credit took a XXXX XXXX point drop ( due to my delinquencies ) and they denied me. I looked today online and it still says in process. I have tried various times to come into contact with XXXX and I have not received a call from him. The problem now is that my credit score has been negatively affected and I am in a worse situation than before and no one will help me. I was deceived and left cold turkey. I would like them to either go through with the refinance or take responsibility for the balanced currently late of my student loans ( as I was guaranteed it would go through ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good Afternoon my name is XXXX XXXX, Im a federally protected consumer, and Im saddened that I have to make this complaint against USCB AMERICA for committing identity theft. I have never given USCB AMERICA any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any type of documentation requesting validation from USCB AMERICA before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If USCB AMERICA can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until USCB AMERICA can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and USCB AMERICA continues its collection efforts, I will file for litigation for actual damages caused and USCB AMERICA will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX : {$740.00} XXXX & XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: Certified Recovery Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CERTIFIED RECOVERY REPORTED A COLLECTION THAT WAS WITH ANOTHER AGENCY AND TAKEN OFF MY CREDT. I NEVER RECEIVED A NOTICE FROM CERTIFIED RECOVERY OR ANYTHING. THEY JUST PUT THIS ON MY CREDIT. I SENT FOR VALIDATION OF THIS DEBT AND THEY JUST IGNORED ME. IT HAS BEEN 97 DAYS SINCE MY FIRST REQUEST FROM THIS AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: D2 Management LLC
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I recieved a phone call from a Debt collection company called D2 management. The man who was in the phone tried telling me that I owed {$350.00} for a payday loan that was placed. This company sold my debt to another company two months ago to another company called XXXX XXXX XXXX. On XX/XX/XXXX, I called and paid a settlement amount with the XXXX  XXXX XXXX. I have a credit card statement that proves it, along with a letter from the company. The man with D2 management yelled at me over the phone. He told me that he heard my recorded messages from past phone calls and that I dont have any proof of paying the debt, even though I do. He continued to talk over me by yelling. I disconnected the phone call with him and the same man called me back. He continued to yell and told me that I wrote a bad check for the payday loan, when I know I didnt. I do not own a check book. He also stated that my debt was never sold to another collection company. I never heard of XXXX XXXX XXXX  until I viewed my credit report and saw that D2 management sold my debt to them. The man with D2 management tried saying that I made an agreement with them to do a payment plan with the first pay starting in XXXX. The agreement was voided because the first payment did not go through. They would not accept the possibility of waiting until the next payment for XXXX. I was told that because the first payment for XXXX didnt go through, that the agreement was considered void. Then I was threatened to be taken to court and a judgement filed against me. In XXXX, D2 management took funds from my account, even though I was told the agreement was voided. I called my bank and had the funds credited back to my account because they did not have permission to withdraw funds, since the previous agreement was voided. I called D2 management and spoke with a representative to ask them why they withdrew funds without my permission? I was told that they were going by an agreement, even though it was voided. XX/XX/XXXX, is the first time I have spoke with D2 management since XXXX. Every phone call with them has been recorded. Including the phone call with them saying that my agreement was voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: USCB Corporation
State: UT
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:
USCB Corporation #XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on 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 2022-09-14
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a membership at XXXX XXXX but the card I was using expired without me knowing. I stopped going to the gym and forgot but they kept charging my expired debit card somehow and by the time I knew it they sent my account to collections and sold it to debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Harassing and threatening call with court actionsand collection of outrages amount for an acct thathad a {$250.00} balance when it was charged offXXXX or XXXX years ago. They want {$2200.00} withlate fees. By hey call and spoke to my employer andtold them that they were a legal firm trackingone of there employees. I almost lost my jobbecause of their collection tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mutual of Omaha is sending letters saying funds are available in an official looking firm. This is really a scam letter to trick people into refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bloomingdales did not appropriately safeguard my credit account information. Someone accessed my account that had not been used in years and began ordering multiple high-dollar items on consecutive days. The first package arrived to our previous residence and we were notified by the tenants we had receive a package. I immediately notified Bloomingdales on XXXX XXXX that a fraud/security breach had happened and that I did not order this item. They kept me on the phone for over XXXX hours while they tried to figure out what was going on. I was eventually told that the perpetrator was able to order over {$2300.00} worth of items and change the shipping address with NO fraud detection!!!!!! I ca n't even place a single online order without them holding it for verification, but this person was able to ship multiple $ XXXX items to a new billing address???? 
I was told by the representative that they would send out a fraud form and cancel XXXX my store account ( which these charges occurred on and my XXXX ). On XXXX XXXX, the company proceeded to process a payment from my bank account despite my notification over a month before notifying them of the FRAUD!! I contacted them again, spend another hour + on the phone, requested to speak with a supervisor, spoke with XXXX different reps and was advise to fax in my bank statement showing the charge as well as my bill and the dispute information. I did that in late XXXX and I still have not been refunded for the amount they had no right to take from my checking account AFTER I reported the fraud. This company is neither protecting consumers from FRAUD, nor notifying their customers when a data breach has occurred and they owe me over {$2300.00} that they unrightfully took from my checking account after the fraud notification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have had a credit card from Macy 's department store for years and have handled my account online since they offered paperless statements. A few months ago they made changes to the website and I have not been able to log on to see my statements, make payments or do anything with my account. I have called every month to address the issue and make my payment and every month they assure me that next month there will be no problems but I continue to be unable to get into my account. I called this month to simply pay off & close the account because it is to frustrating dealing with not even being able to check my balance or due date or anything. They assessed a late fee and refused to remove it even after I explained that I have not been able to log on to my account at all in months. I would think that having a customer unable to access any of their information on a credit account is illegal. I 'm currently waiting for someone from their credit department to contact me about this.

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 2017-01-12
Company: CITIBANK, N.A.
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
XXXX and XXXX are issuing Citi Pre-paid cards that can not be activated in lieu or refunds. The prepaid card numbers are not valid on Citi 's system, and the Citi system requires a valid card number to get through to a person to sort things out. At this point, my money is lost at Citi, and I am harmed in the amounts of {$180.00} ( card number XXXX ) and {$140.00} ( card number XXXX ) respectively. Citi has also wasted my time with their " customer service '' numbers that require a card number to get through a person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
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:
I have multiple accounts that are reporting on my consumer credit report that is not showing 100 % accuracy this is a violation of the FCRA and I will be seeking litigation for these in accuracies because Ive been fighting these in accuracies over 4 to 5 months also ive been making CFPB reports also contacted the XXXX  and still nothing is coming about my rights being violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX : {$740.00} XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am showing a debt to " Macy 's '' on my credit report. When I contacted the company listed as Macy 's they said Citibank was handling the case. When I called Citibank a woman named XXXX said that because the account was past the statute of limitations, it was too old to be sued and that they can not make any attempt at collections or even discuss the matter with me. They said that I could write to them or send them a check, but they would not explain who the debt was listed under and what it was for.

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 2022-09-14
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2022 XXXX told me national credit account number XXXX have verified my account I asked XXXX and national credit to provide me with method of verification everyone failed to do that why would I have to wait 30 plus days for information that you claim you have already

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Personal and employment information is incorrect. 

Unauthorized inquires are on my account XXXX derogatory accounts are listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
This company is reporting false and negative items on my credit report. I tried to resolve this issue over 60 days ago and I still havent got a response nor have I gotten anything removed. I am trying to get a mortgage, how can I move on with that process if this company is failing to help resolve my issue. I attached the letters and my identification for confirmation.

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