vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Complaint Regarding Mismanagement and Fraudulent Practices by M & T Bank I am writing to formally complain about ongoing issues with M & T Bank regarding the misallocation of funds received from the Homeowners Assistance Fund ( HAF ). These issues have caused significant distress and potential illegal foreclosure proceedings on my home. 
Summary of Issues : Misallocation of Funds : In XXXX, M & T Bank received {$640.00} from HAF intended to complete my mortgage reinstatement. Consequently, I should not have owed any payment for XXXX. Despite this, the bank has not applied these funds to my account and continues to demand payment. 

Foreclosure Proceedings Despite Payments : M & T Bank initiated foreclosure proceedings even though they received all necessary funds to prevent foreclosure. This action occurred despite the bank receiving {$14000.00} on XX/XX/year>, from HAF, which was supposed to cover six months of late payments for a mortgage of {$370.00} per month. 

Failure to Account for Received Funds : M & T Bank claimed they never received the funds from HAF. However, HAF confirmed that all checks sent to M & T Bank were cashed. Despite this, the bank can not account for the funds and proceeded with foreclosure. 

Additional Funds Required Without Justification : After the initial payment, HAF allocated an additional {$13000.00} to reinstate my mortgage. M & T Bank demanded these funds despite not accounting for the {$14000.00} received earlier. 

Inaccurate and Fraudulent Charges : M & T Bank increased my monthly payment from {$370.00} to {$480.00} without justification, for a fixed-rate 2 % Fannie Mae loan . Additionally, my statement reflects fraudulent monthly charges of {$2000.00}, contrary to the agreed payment terms. 

Lack of Accountability and Potential Fraud : The actions of M & T Bank suggest targeting and fraudulent practices against customers, potentially leading to home loss without consequences. It appears these issues might not be isolated incidents. 

Actions Taken : * I have engaged an attorney to ensure the new payments from HAF are correctly credited and to prevent further illegal foreclosure attempts. 
* I have been in continuous contact with HAF to verify the allocation and receipt of funds.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened two credit cards with XXXX XXXX XXXX in XXXX to reestablish my credit so that I can obtain things that I want and need, everything with them was great in the beginning and they were helpful a few times throughout my journey with them and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, squatting in vacant properties, washing up in public places and denied XXXX benefits. I have not been able to get steady employment other than under the table which barely makes ends meet, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ). Additionally, they closed one of my credit cards due to return payments in which I have explained that I have gotten terminated from my employment with no financial support, no financial resources, loss of my residence, loss of my vehicle and having slept in various places. I have tried to find employment ; however, I have not been successful and the negativity this account has had on my credit reports have prevented me from having employment, a vehicle and a place to live. I have reached out to several members of management and corporate WHO FAIL TO COMPLY WITH MY REQUEST AS I NEVER ASK FOR ANYTHING BUT I AM HOMELESS WITH NO HOME, NO CAR, NO JOB, NO RESOURCES, NO FAMILY OR FRIENDS!!! THIS IS THE FINAL STRAW AND I AM SICK OF THIS BEING UNRESOLVED. ADDITIONALLY, THEY NEVER NEVER VERIFIED ANY LATE PAYMENTS, ETC!!!!

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I opened two credit cards with XXXX XXXXXXXX XXXX in XXXX to reestablish my credit so that I can obtain things that I want and need, everything with them was great in the beginning and they were helpful a few times throughout my journey with them and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, squatting in vacant properties, washing up in public places and denied XXXX benefits. I have not been able to get steady employment other than under the table which barely makes ends meet, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ). Additionally, they closed one of my credit cards due to return payments in which I have explained that I have gotten terminated from my employment with no financial support, no financial resources, loss of my residence, loss of my vehicle and having slept in various places. I have tried to find employment ; however, I have not been successful and the negativity this account has had on my credit reports have prevented me from having employment, a vehicle and a place to live. I have reached out to several members of management and corporate WHO FAIL TO COMPLY WITH MY REQUEST AS I NEVER ASK FOR ANYTHING BUT I AM HOMELESS WITH NO HOME, NO CAR, NO JOB, NO RESOURCES, NO FAMILY OR FRIENDS!!! THIS IS THE FINAL STRAW AND I AM SICK OF THIS BEING UNRESOLVED. ADDITIONALLY, THEY NEVER NEVER VERIFIED ANY LATE PAYMENTS, ETC!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I opened two credit cards with XXXX XXXXXXXX XXXX in XXXX to reestablish my credit so that I can obtain things that I want and need, everything with them was great in the beginning and they were helpful a few times throughout my journey with them and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, squatting in vacant properties, washing up in public places and denied unemployment benefits. I have not been able to get steady employment other than under the table which barely makes ends meet, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ). Additionally, they closed one of my credit cards due to return payments in which I have explained that I have gotten terminated from my employment with no financial support, no financial resources, loss of my residence, loss of my vehicle and having slept in various places. I have tried to find employment ; however, I have not been successful and the negativity this account has had on my credit reports have prevented me from having employment, a vehicle and a place to live. I have reached out to several members of management and corporate WHO FAIL TO COMPLY WITH MY REQUEST AS I NEVER ASK FOR ANYTHING BUT I AM HOMELESS WITH NO HOME, NO CAR, NO JOB, NO RESOURCES, NO FAMILY OR FRIENDS!!! THIS IS THE FINAL STRAW AND I AM SICK OF THIS BEING UNRESOLVED. ADDITIONALLY, THEY NEVER NEVER VERIFIED ANY LATE PAYMENTS, ETC!!!!

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, my identity was stolen. My drivers license and SSN were used online to open loans at various credit unions, which resulted in the opening of fraudulent accounts and hard inquiries on my credit history. These fraudulent activities occurred at various unions around XXXX of XXXX. When it came to my attention via XXXX credit monitoring, I created reports with XXXX, XXXX, and XXXX to dispute the accounts. The main credit unions involved, XXXX XXXX XXXX ( XXXX, CA ) and XXXX XXXX XXXX XXXX North Carolina ) have conducted investigations and have concluded that these accounts were fraudulent. Furthermore, these unions have notified the three major credit bureaus to remove the accounts and inquiries from my history. At time of writing, my XXXX and XXXX scores have returned to XXXX, and XXXX is still working on removing XXXX of the fraud accounts as a closed account. 

Due to the damage caused on my credit reports, Citi lowered my credit limits on two credit cards to {$4000.00}. Unfortunately, this at that time lowered credit limit and also increased my utilization, further lowering my credit. Citis decision to lower my limits was made on XX/XX/XXXX. 

My original line of credit was {$16000.00}, and was lowered to {$4000.00} in XX/XX/XXXX. In XX/XX/XXXX, I had resolved most of the fraudulent disputes but the bureaus where still processing my disputes. At that time, Citi advised me to request a credit line increase, whereas I was requesting my line be restored to what it initially was. They got an instant denial on my line increase, citing numerous delinquencies from the fraudulent accounts. They then told me to wait until XX/XX/XXXX to try again. 

I kept working with Citi and sending in reports from the fraud investigations, and on XX/XX/XXXX, an account XXXX submitted a Credit Bureau Dispute form. I never received any communication with results or follow up. 

On XX/XX/XXXX, I followed up again. They again told me all I can do it submit a credit line increase. This did increase my line by {$4000.00} however that is still half of what my line was in XXXX. Furthermore, the only option they present me with at this time is to do an XXXX XXXX Line Increase which will pull a hard inquiry on my history and has no guarantee of a fair outcome. I should not have to place a hard inquiry on my history which I have worked very hard over the past two years to restore to an Excellent score. I have expressed my grievances with Citi and filed a complaint with them. As a customer they have reduced my credit line as a result of a crime committed against me and have made the recovery process incredibly frustrating when no wrongdoing was done on my part.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
We began getting calls from a CBE group a couple of months ago. I ignored them and they did not leave any messages. I continued to receive calls and decided to use my cordless phone to block their number and also XXXXXXXX XXXX call blocking. They then decided to change to different numbers. 

I got tired of it and did research on the internet to the CBE Group ( XXXX XXXX XXXX  ) and called them. They asked my name, and i gave them my name and asked why they were calling me. They asked if I knew a XXXX XXXX ( Family we purchased our current property from in XXXX ). I told them my story of our home purchase and they asked if I had any contact or information for him. I told them I haven't had any conversation since the property transaction in XX/XX/XXXX. 
They said they would take me off their list. I am still getting calls even after contacting them again on XX/XX/XXXX complaining. I received one yesterday and again this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I got a notification about something on my credit report from. A company that not the company I had the contact with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I want to make sure your team has the whole story as the customer service rep was very short and dismissive This morning around XXXX, when I woke up, I checked my phone and saw numerous notifications from Current Bank at all hours of the night for both charges and then declines. Thank God for daily limits or I fear my account would have been emptied. Unfortunately, I still found that thousands of dollars had been taken from my account in just the one night alone but I also found older charges from earlier in the week. These charges range from XXXX dollars with a majority of it coming in XXXXne night. They all say it was in XXXX XXXX Michigan at some Casino/Hotel. I have GPS proof that I was no where near XXXX XXXX last night or ever for that matter. As soon as I saw the charges, I turned my card off and started to look for my wallet. I have searched everywhere but I have not been able to find it. I cant say if I lost it or if it was stolen but someone has used the card on the other side of the state. When filing the dispute, the representative said that my card was being used, again, I can prove that I was no where near XXXX XXXX MI all week with GPS data, witnesses, even pay stubs. 

I would also like to add that the following night and Sunday, more attempts were made using the same card, multiple times throughout all hours of the night. Luckily I have now paused the card and blocked the vendor but they are still trying to use my card. I am sure you can see this if you check my account notifications. 

First thing I did after turning my card off, was call the Current Customer Service number which told me to call back XXXX and then hung up on me. As soon as I was able to leave my house, I went to the local police department and filed a report. I explained to them what happened and I showed them evidence of the charges and my location during the time of the charges. They gave me with a case number XXXX and then sent an email for me to upload all of the evidence that I showed them. 

At this point, I am not sure what else that I can do. I am still combing through the charges, there may be more but these ones listed are the most alarming to me and it won't let me dispute atm charges on their site. Unfortunately I have to continue to work but will do my best to dispute everything. 

Not only did current deny the claim above but they have yet to send me any documents to support their decision. As mentioned above there are more charges i havent even been able to dispute but i doubt their customer service team even read my statement. Now that I am filing a complaint here, I expect they will shut down my account, as it is common practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
In XXXX of this year, I requested a review of my account as well as a school misconduct form based on the findings from the department of Education : " Based on an ED finding that XXXX XXXX XXXX  made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at XXXX XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX XXXXXXXX, ED has determined that it is appropriate to discharge the outstanding loans made to all students who enrolled at XXXX XXXX XXXXXXXX during the time period described above. '' As well as the findings about the lender : " Beginning in XXXX, Navientknown then as Sallie Maeengaged in predatory loan practices with fraudulent, for-profit colleges in exchange for a steady supply of borrowers. Many of these loans still remain in Navients portfolio and are eligible for cancellation due to Navients misconduct and under the FTCs Holder-In-Due-Course Rule ( Holder Rule ), which allows borrowers to raise the same claims and defenses against a loan provider that they could raise against the original seller of the good or service. '' Also, I am aware that they have a pilot program for students ( such as myself ) who attended a " for profit '' school who defrauded them, to discharge the loans taken out with the lies/fraud the school fed them. 

I understand that the Holder Rule would apply here, as the product or service purchased, was done so with me receiving false or fraudulent information from the school, and wish to receive a school misconduct form from the loan servicer, and complete review of my account. 

I have yet to receive a school misconduct form from the servicer, even though I requested one.

Company response to consumer: Closed with explanation