BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Signed up for Transunions website, which asked for CC info, they then charged me {$25.00} for a reoccuring plan that I can not cancel or find any contact info to have the charge reversed and canceled.

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 2021-12-10
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 2 of my USB cards were charged from XXXX {$150.00}. On XX/XX/2021 I received a credit for {$150.00} which I believed to be from XXXX on acct ending in XXXX. However on XX/XX/2021 USB reversed the credit for {$15.00}, stating it was theirs. However on my XXXX statement, it shows they sent the money back to USB on XX/XX/2021 conf # XXXX, which they say they refunded to the card ending in XXXX, replaced by XXXX on XX/XX/2021 by USB. 
As of XX/XX/2021 none of my credit card accounts have shown/refected the refund by XXXX, and all XXXX reps from USB I have talked to are unwilling/unable to help. They spent a month doing research and now are in fact keeping funds that were meant to be refunded to a my account. 

Needless to say this is common practice by USB fraud department, were they appropriate funds that do not belong to them and hold them for any period of time without a resolution. In this case complete refusal to even look into the conf # provided.

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 2016-02-26
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX the United States of America Consumer Financial Protection Bureau filed a consent order against LoanCare, LLC. My mortgage was sold to XXXX and in XXXX XXXX Loan Care, LLC continue to withdraw the payments and refuse to send 2 months to the new lender, XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). Several attempts have been made and all received is the run around or we have not received anything. I have faxed, called, email information concerning this issue. It has become harassing and threaten phone calls from XXXX XXXX. I am requesting a through investigation into this matter. 
XXXX XXXX, XXXX @ XXXX Thanks

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 2020-06-12
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank, XXXX, makes my mortgage payment every month and mails a check to the XXXX XXXX XXXX Mr. Cooper. 

Mr. Cooper did not process my payments for XXXX/XXXX/2020 or XXXX/XXXX/2020 and did not contact me until XXXX/XXXX/2020 about unpaid mortgages. 

I immediately reached out to XXXX and confirmed the checks and check numbers which were mailed to Mr. Cooper and which they did not process. 

I have since paid the past due amounts online and will be doing so in the future because Mr. Cooper can not be trusted to make my payments from the checks which were mailed from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: ALLIANT CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, I learned from Alliant Credit Union ( ACU ) customer service representative over the phone that my membership was terminated. All checking accounts were closed and all remaining fund was put in the saving account. They would not tell me the reason for the termination. They told me to only communicate with their Compliance department through paper mail only. No email, no phone, or other means of communication are allowed. They gave me the mailing address of their Compliance department. I took snapshots of my online account as the evidence of remaining fund. I initiated the ACH transfer to send the fund to my other banks. 

On XX/XX/2022, my XXXX account was completely gone. I could not even login. The ACH transfer that I initiated yesterday never get executed. The destination bank never received the fund. Therefore I sent a certified and returned receipt letter to XXXX asking them to release all my money in the saving account. 

On XX/XX/2022, I checked the XXXX tracking number and discovered that XXXX was not accepting the mail. It was sent back to the post office waiting for the pickup. 

At this point, I don't know why they did not accept the mail or if the office is still open. I have all my money there. This is the only money I have to pay for mortgage, utilities, food, and everyday expense. Without the access to it, many major negative consequences will ruin my life. Please help. 

I'll put the account number and other sensitive information in the solution that I seek

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Approximately XXXX three months ago I was informed that my credit limit had been reduced due to inactivity. I DID NOT receive any notification prior to, that such action would be taken on my account. When I inquired about this change I was notified that I had not used my card in over a year. 

I am an XXXX military member in the United States XXXX and there are times that we are XXXX, transfer and/or have obligations that do not afford us the opportunity to use retail cards as normal. That was the case for me in which I was XXXX in XXXX 2015 for seven months, returned and immediately transferred. It was during that time that the year passed. 

As I inquired as to how to restore my credit to the previous limit I was told that I would have to request a credit limit increase. Please let me inform you that the reduction of my credit limit affected my credit score and to have to go back again and request a credit limit increase for what I consider no fault of my own would again affect my credit score. 

Approximately one month ago I did attempt to use my card online to purchase some storage boxes, the card was denied. I attempted a few days later in the store, feeling that the card was just not working online again the card was declined. The manager of the store was kind enough to still allow me the benefit of the 5 % after he could see that I had a legitimate card. 

And now I received notification that my account will be closed, " It 's our policy to close accounts that haven been used in 18 months. '' I believe that I have done all that I should as a consumer to have a positive account with your company but there is little to no support for personal situations that apparently do not fall within your companies approved standards. 

I am trying very hard to improve my credit score so take any action against my credit seriously. 

I feel that more communication from your company to consumers would allow you to better gauge the situation of your consumers instead of making decisions in a vacuum. I would like my credit limit restored, I do not care to have it increased just back to what it previously was ( {$300.00} ) and a new card issued. Now that I am settled from my transfer and will be stable for the next few years the use of the Target card will easily be accomplished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
CITICARDS IS REPORTING FALSE DATA TO XXXX & OTHER AGENCIES. 
FROM XXXX2020 TO XXXX2020. CITICARDS REPORTED A CREDIT BALANCE/LIMIT OF $ XXXX {$4100.00}. BUT MY LIMIT WAS REDUCED TO {$2500.00} ON XXXX ( w/ MY BALANCE BELOW THIS AMOUNT - SINCE XXXX2020 ). 

COMPLAINT FOR : CITICARDS CBNA XXXX XXXX XXXX XXXX, AZ 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 non-monetary relief
Consumer complaint received 2018-12-01
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: TMX Finance LLC
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have sent three certified letters to Equifax regarding collections below. I have asked to validate that the information that is being reported is mines, with signed contract or full account numbers etc. I have been getting letters stating that the collections have been validated but havent advised how they were validated, no new information has been sent to me and its been over 40 days. According to FCRA these claims needs to be removed.. 

Items in question XXXX XXXX XXXX XXXX XXXX$5600.00} XXXX XXXX  {$2900.00} XXXX XXXX  {$1200.00} XXXX XXXX  {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: AMERICAN EXPRESS COMPANY
State: CA
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 XXXX credit reporting agency is causing harm to my credit profile by showing 3 hard inquiries that are inaccurate to the credit profile from the following companies : XXXXAMEX XXXX XXXX XXXX Disputes have been filed internally through the XXXX website, but all attempts to remedy the situation have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Ability Recovery Services, LLC
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: Account information incorrect

Complaint:
I enrolled in the school but never attended any class.

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 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My XXXX account was hacked and someone ordered {$420.00} in charges without my permission. XXXX froze my account and never shipped those items. They reversed the charges see attached and serve will not give me my money. They denied my dispute 2 times. I have additional documentation from XXXX that these were unauthorized charges and serve at American Express will not give me my money. Please hrlp

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: MO
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 was the primary signature on a lease agreement for XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Mo. The leasing company uses a number of company names to conceal the true identity of the principal owner ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, et al. The lease agreement ended on XX/XX/2020. I met the obligation, giving XXXX days notice to terminate the lease on that date and all monies due on termination, were paid by me. My son, who was the secondary signature and the person living at the apartment, sought, through verbal agreement, to extend his stay until XX/XX/2020. The lease agreement clearly states that management has no authority to amend the agreement unless it is in writing. When I became aware of the verbal agreement, I immediately contacted the apartment management, in writing, informing them that I was not party to this extension, and that any rent due from XX/XX/XXXX to XX/XX/2020 ( {$800.00} ) was a matter between XXXX XXXX XXXX and my son. My son did not meet this payment obligation. The Apartment Management in turn, billed me for the outstanding rent of {$800.00} and, when I refused to pay, they sent the bill to the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX reported my non-payment to the credit agency, Equifax, who in turn lowered my credit rating ( XXXX  ) from XXXX to XXXX. 
The unmerited actions by XXXX XXXX XXXX and XXXX have damaged my credit reputation. I have provided XXXX and XXXX with full details of the case. Both XXXX and XXXX have used intimidation tactics hoping that their shakedown methods will bring me to my knees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Mr. Cooper and I was current until XX/XX/2020. But due to financial difficulty I was behind in my mortgage from XX/XX/2020 to XX/XX/2020. Since then I have been paying my mortgage to them in the amount of {$790.00}. On XX/XX/XXXX I received a letter from Mr. Cooper that I had not paid my property taxes and they needed a proof of payment in 30 days. And I in fact did contact them on XX/XX/XXXX that I had already paid the property taxes and I had mailed a copy to them and I did mention that I had sent several e-mails with the property tax information and that e-mail was undelivered.On XX/XX/XXXX I received another letter stating that I need to bring my mortgage current by paying {$3200.00}. I again called them on XX/XX/XXXX and explained to them that by end of XXXX I should be able to bring my account to current. I get yet another mail from Mr.Cooper saying starting XXXX I will have to pay escrow as they paid part of the property taxes and that my mortgage will increase to {$990.00}. I again called them at this point of time I do not know the date or time as they have been sending barrage of mail like every other day or every week. I have sent them e-mails with the proofs of my property taxes being paid and the e-mails were not delivered to XXXX the company they use for escrow account. I called the local tax commissioner 's office to get details if the money was applied to my property taxes and they said that a check was mailed back to them on XX/XX/XXXX the day and I sent them all the details. I have been since then paying {$790.00} every 2 weeks trying to bring to current. At one point they returned my money, but I sent it back to them. I made my last payment on XX/XX/XXXX for {$790.00} and they send another letter stating that I did not pay the full amount that is due for mortgage so they put in an suspense account until I pay the full amount. I am not sure what I can do at this point of time. I never had an escrow account and I have been paying my taxes every year, maybe late this year due to financial difficulties. Mr. Cooper also acknowledged that they received the information from the local commissioner 's office that my taxes were paid. I am going to send all the notices and mails and e-mails that I have to you. It has been an emotional turmoil to me as I am afraid of losing the house. In good faith I did what I can, but they are not helping. They even suggested that I take 3 months forbearance. And what happens after 3 months do I have to pay everything. They said yes which includes fees and other charges. And I can not refinance or modify the loan either. I am just tired and drained out talking to the people at Mr. Cooper. I just need help to get this resolved and pay my monthly mortgage of {$790.00} and pay my own property taxes. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX This item does not belong to me, and it keeping me from getting a job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2016 I signed a purchase and sales agreement with the seller of a house with a time line of XXXX calendar days until closing. Having already prequalified for a loan, I applied for a USDA guaranteed loan with TD Bank at their location at XXXX XXXX XXXX, XXXX, NH XXXX on XXXX XXXX, 2016. I conducted this business with assistant store manager, XXXX XXXX. This day of official application I, and XXXX XXXX, signed a rate lock agreement to confirm my loan would be at a rate of 3.00 % ( exhibit XXXX ). This rate lock was to be valid for 90 days. XXXX XXXX stated that the loan would take around or under 60 days to process, and that I would hear from my mortgage processing within 24 to 48 hours. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated they were processing my application for a loan product other than the one that I applied for ( XXXX instead of USDA guaranteed ). This disclosure also included a new rate lock form, and indicated that my rate was currently " floating '' at approximately 3.8 %. Upon calling and speaking with the assigned processor I learned that they would have to reassign my loan to process the USDA guaranteed loan per my original application, and that my new processor would be in touch with me the following day. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated the correct loan, but the wrong loan terms. The rate was indicated to be 3.5 %, and not locked in. On speaking with my new loan processor I learned that TD Bank had " no record '' of me having signed a rate lock form for a USDA loan. She also said they had no record of me submitting necessary documents to process the loan that were provided on XXXX XXXX, 2016. I provided my loan processor, XXXX XXXX, a copy of the signed rate lock form from XXXX XXXX, 2016 and asked if TD Bank would honor this document. 

On XXXX XXXX, 2016 TD bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure again had the wrong terms, stating that my rate was now locked in at 3.5 %. Also issued by TD Bank on this day was another rate lock form they requested I sign and return indicating that my rate would be locked in at 3.5 % ( exhibit XXXX ). 

On XXXX XXXX, 2016 I informed TD Bank that I was withdrawing my loan application due to their refusal to honor the terms of my original rate lock agreement. Due to the three week delay caused by TD Bank handling my loan in a negligent manner the new lender I applied with sought an agreement to extend the deadline for the purchase and sales agreement between myself and the sellers. Unfortunately, the sellers declined this and exercised their option to walk away from the deal due to our inability to meet the deadline for closing.

Company response to consumer: Closed with explanation