BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously reported this problem with the mortgage company to the XXXX XXXX XXXX to no avail. My issue is that our mortgage was sold to this company and ever since our mortgage has gone from {$700.00} to {$1000.00} with only {$180.00} or less going toward our principal. I dont see how this is legal and I dont understand how we get penalized for trying to keep a roof over our heads. We were not given a choice of lenders to choose from when our mortgage was sold so there was no other contract to sign but this one. And no one else will take the loan because of the amount owed compared to the value of the home. Im just looking for someone to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Amsher Collection Services, Inc.
State: AL
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:
Amsher collection company for XXXX XXXX XXXX. I have had and kept insurance that pays my hospital bills. Year XXXX I had 2 insurance that pay medical bills. Collection disputed removed but disputed allowed back on credit report without reaching out to me. Removed XXXX put back on account XX/XX/XXXX In addition in past2 years sought to resolve collection which okayed and clears through XXXX but collection company has kept account despite the fact. I have 2 primary physician at XXXX. That I see every 3 to 6 month.,, Co pay are paid at the time visit .Never able to get full explanation over billing mostly for routine visit .I am disputing neg reporting amsher collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I had a Capitol One checking and credit card account. I had a dispute that was resolved in my favor and paid the balance of my account before closing it ( I even paid about {$100.00} extra to cover any late costs and interest. Later, unbeknownst to me, Capitol One reinstated the disputed charge while I was in the hospital. They even, again, unknown to me, gave negative information to the credit bureaus. My credit score has dropped from XXXX to under XXXX. I launched a dispute with both Capitol One and the credit bureaus and Capitol One has even aggravated the matter by telling the agencies that the charges were written off. Whereas before I would get pre-approved credit card offerings, I now get offers with 35.90 % APR. To add insult to injury, Capitol One owes me money as they never refunded the balance when I overpaid in settling and closing my account. Capitol One has overgone a perfidious change in its operations. Before, if a customer had a dispute, he could be sure that it would be resolved fairly. Now Capitol One automatically sides with the merchant. I purchased a computer on Cyber Monday that stopped working the next day. I sent it back and notified Capitol One. Two months later the money had not been credited back into my account. The reason : Capitol One stated that the merchant received the computer back in excellent condition, but I neglected to send it in the RIGHT box ; thus they had to decide in favor of the merchant. After nearly three months my money was refunded. There is another example that cost me {$3500.00} that Capitol One sided with the merchant after siding with me in a book publishing contract that the publisher woefully violated the terms of the agreement. The reason : We don't understand a term in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: FL
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 not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received a phone call from Selene Finance, informing me that my mortgage payment for the month of XXXX  was late, which is {$1200.00}. My mortgage has a 15 day grace period. The agent informed me that it doesnt matter about the grace period, she was charging me a late fee anyway. I have never been late on my mortgage. Im not behind on my mortgage. I dont have a problem paying my mortgage. Selene Finance has no reason to be calling me. What I dont understand is, why with all these complaints against this company, why are they even allowed to deal with mortgages? They are a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have sent several emails anc called and mailed showing Missed payments, and nothing just saying the same count refusing to investigate payment to that are inaccurate and missing years of payment XXXX to XXXX when you call you are told different stories what to believe. This is so frustrating that this is suppose to help us but instead it is a full time job fighting with them to document money you paid. I am tired after 20 plus years of teaching and the last two years of pandemic teaching there has to be a better way

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus have provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please take a good look at the following items and remove them once the Credit Bureaus found them inaccurate as soon as possible : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. This CFPB Complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit bureaus accountable for your willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: MoneyLion Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The moneylion company, specifically roarmoney, closed my account 2 years ago since XXXX XXXX 2020. I have made several claims and the money has not been released yet. I am currently demanding that my account be reopened since they have blocked an amount of {$5400.00} dollars without any justification, I contacted them several times and they did not give me detailed information, I sent them all the documents required by them and they still have my frozen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am pursuing PSLF and had my payment history reviewed under the limited PSLF waiver. I believed I had a fairly clear cut case, and was expecting my qualifying payments to increase significantly. However, after review my number of qualifying payments have actually decreased from the update I received last year. Also, I lost three qualifying payments when I was given misinformation from a FedLoan rep in 2019 ( I was advised to put my loans on forbearance for the three months I was out of work from a work related injury because I was " technically not working at a qualified employer during this time '' - I later learned that I was still technically qualified as employed and missed out on qualifying payments ). This is incredibly stressful, I am so burned out from community XXXX XXXX XXXX ( which is what nonprofit work in my field is ), and am struggling to hang on for the less than 3 years ( now, according to FedLoan, over 4 years ) I was expecting to have left. I can not get in touch with FedLoan 's customer service or the ombudsman. When I call FedLoan, I wait on hold indefinitely ( my record is over 2.5 hours ). When I request a callback, no one ever calls back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: GOLDMAN SACHS BANK USA
State: NM
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX6112. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXX XXXX  XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. 

XXXX XXXX Mail XXXX # XXXX ( delivered on XX/XX/2023 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Under the California Consumer Privacy Act ( CCPA ), a California state law, I am entitled to find out what personal information Equifax has on me, to prevent their sale of such information to other parties, to have my personal information deleted, etc. Here is a summary of the California law : https :  //oag.ca.gov/news/press-releases/attorney-general-becerra-issues-advisory-outlining-new-data-privacy-rights Which states : CCPA grants new rights to California consumers Right to know Consumers may request that businesses disclose what personal information is collected, used, shared or sold by the business, in both categories and specific pieces of information ; Right to delete Consumers may request that a business delete the consumers personal information held by both the business and by extension, the businesss service providers ; Right to opt-out Consumers may direct a business to cease the sale of the consumers personal information. As required by the law, businesses must provide a Do Not Sell information link on their websites or mobile apps ; Rights for minors regarding opt-in consent Children under the age of XXXX must provide opt-in consent, with a parent or guardian consenting for children under XXXX ; and Right to non-discrimination Businesses may not discriminate against consumers in terms of price or service when a consumer exercises a privacy right under CCPA. 

I attempted to accomplish this by telephone but was not successful, they refused to accommodate my request. I spoke with XXXX who refused to identify his last name but said that he was their supervisor at XXXX. Equifax was evasive and nonresponsive to my legal requests. Equifax wanted me to answer various truly inane questions such as : 1. To provide a compilation of my closed credit card accounts. 

2. To provide the minimum monthly payments required for various accounts. 

3. To confirm/deny that my grown adult child owns real estate in another state. My child does not live with me and I have no idea if they own real estate in another state. 
This is immaterial to my legal request under California law. 

This is absurd. They don't need me to research all of that data to obtain my rights under California Law. I need assistance in pursuing this issue to satisfactory resolution. Equifax continues to be evasive and nonresponsive to my legal and legitimate requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My MasterCard was previously administered by XXXX XXXX  and worked fine until it was taken over by Comenity at this URL : https : //d.comenity.net/XXXX I was promised {$100.00} cash back after spending {$500.00} and never received it, though I spent {$800.00} by XX/XX/2002. 

I also have XXXX Reward Points which I am unable to redeem for {$25.00}, despite many attempts, including today. Every effort leads to the Website freezing up. 

Moreover, Comenity misrepresented the offer of points earned, as they pay only 50 % compared to other banks. Their entire operation appears to be based on deceiving the customer. 

I have sent numerous emails to the company but they did nothing to remedy the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-30
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are several account billing errors with XXXX XXXX XXXX in accordance with the fair credit reporting act this Company has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term " file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

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 2018-09-28
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY CITY TAX WENT UP {$17.00}. and change I sent Mr.copper mortgage holder escrow money. {$470.00} and a addn ai XXXX dollars to add to my escrow, so as to keep my payments .at {$510.00}, calling them at lest 6 time.they told me that the co.mr cooper was a debt collector and a mortgage company.XXXX XXXX SOLD MY LOAN TO MR.COPPER.unknown to many i think they use to be called anyhow can you call them and check it out.help no. is XXXX

Company response to consumer: Closed with explanation