BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My grace period of 15 days by Maryland law in my mortgage account has not been protected. Misc. Corporate disbursements and Corporate advance adjustments on my customer account activity statement in which I don't know what they are, how they is getting in my mortgage account and where they leads to. And the money orders for I sent them to XXXX. XXXX XXXX with payment coupon for that month would show on the right mortgage statement in the right time period. I am filing a complaint against Rushmore because Rushmore release a XX/XX/XXXX mortgage statement without my money during my 15 days grace period but the money was there. And I believe Rushmore will do it again because the Rushmore representative, XXXX XXXX write this in XX/XX/XXXX letter to me " Furthermore the last day of your XX/XX/XXXX grace period was XX/XX/XXXX. She writes '' However no late fee was assessed to you account even though the grace period has expired on XX/XX/XXXX, XXXX " And she sends me the customer activity statements which shows Misc. Corporate Disbursement amounts and Corp. Advance Adjustment amounts in which I know nothing about but it is under my mortgage account No., my name and my address and these amounts started from XX/XX/XXXX to XX/XX/XXXX. Who is using my mortgage account beside me? And where is this place located? Why on the date of XX/XX/XXXX by Maryland Law of 15 days grace period didn't the money which Rushmore received on XX/XX/XXXX show on a mortgage statement before a delinquent letter of XX/XX/XXXX was produced by Rushmore? My position is this : Anytime I get a mortgage statement that does not show the money I paid in which I know I paid I will do a trace on it. And that is what we do. Is this Rushmore position? Anytime Rushmore does not receive my money by the 10 day of each month, Rushmore will pull my money from XXXX XXXX and put it in another P.O. Box? Why have Rushmore let somebody put their wants in my mortgage account instead of serving me by Maryland law under mortgages and my need to pay my bill in the current period on a mortgage statement? On line 19 on the deed it is stated : Governing Law. This Deed of trust shall be construed according to the law of the State of Maryland. And Maryland does have a Law for mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
How are there 3 PMI payments deducted for 1 month by previous mortgage company and transferred to a new servicer less than 8 days later? Dovenmuehle nor XXXX will not explain, and they will not explain how my Escrow account only has {$6000.00}. 
On XXXX XXXX there was a third-party payment to Dovenmuehle Mortgage Inc. on my behalf. There is an ERROR with the way money has been disbursed towards my account. 
XXXX XXXX XXXX XXXX  ( DOVENMUEHLE ) XXXX XXXX id # XXXX is very rude and disrespectful and still give the wrong information about not locating my third party payment. On XXXX XXXX there was a new direct deposit third-party payment again on my behalf and XXXX XXXX XXXXXXXX and Dovenmuehle Mortgage Inc. accepted the payment but did not apply and did not transfer the funds to the new mortgage loan servicer. I have been given the runaround for weeks about this payment. I have called numerous times, I have sent several emails as well. I keep being told that the back end office are not able to locate the payment. THIS IS FALSE INFORMATION. The money cleared per third-party payor, which is how I was able to provide : PAYMENT REFERENCE NUMBER, BANK PAYEE NUMBER, BANK TRACE NUMBER and all other receipts from XXXX as proof of PAID for XXXX XXXX. 
I called again today @ XXXXXXXX XXXX and XXXX/DOVENMUEHLE MORTGAGE INC has still been lying saying they only received XXXX payment when I clearly provided the XXXX payment information. 
DOVENMUEHLE AND XXXX KEEPS LYING SAYING THEY CAN NOT LOCATE PAYMENT TO TRANSFER TO FREEDOM MORTGAGE, also they will not provide me with a tracking number either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX shows a collection charge off reported on XXXX XXXX  for an AUTO LEASE with Transunion, XXXX and XXXX. This is outdated and incorrect.

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 2023-10-20
Company: SECURITY FINANCE CORP
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. 

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Grant & Weber
State: CA
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 a medical bill at the time of the service I was unaware that my medical lapsed. I contacted medical the following week and the back dated the coverage for any care received with in the last 30 days. This care was included and I offered the medical information several times to the agency and they neglected to bill the insurance appropriately. I need this item permanently removed off my report. As it is false and is not my debt

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 2023-09-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/, I contacted someone to purchase a product, I was told to send it through family and friends on XXXX. When I sent the {$52.00} to him he stopped responding. I've been trying to get in contact with him for the last 10 days but I have received no response, furthermore he won't even issue a refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank credit cards Have had major issues with this company I always paid my payments always paid off my cards XXXX XXXX XXXX - closed with out notice no reason XXXX XXXX  credit card XXXX credit limit brought down XXXX. For no reason XXXX credit card - closed for no reason Then they said they closed and lowered because they pulled my credit and I have no mortgage, well house is paid for No vehicle loan - cards paid for Then they said to high of revolving credit use Very well not true all my cards are low balances if not 0 balances They have done this for no reason ridiculous reasons and my credit has taken a huge hit from this. How can they get away with doing this? I could understand if I was an awful consumer who never paid the bill. This is far from the case. If you read there reviews Im not the only 1 they have done this to they do it a lot They need to be stopped because they are not a good bank by treating customers like this. It hurts us as consumers who are trying to keep our credit good by lowering our credit score we take a huge hit for NOTHING!!!

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 2023-01-13
Company: EQUIFAX, INC.
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:
I recently received a copy of my credit report and noticed that you are reporting unauthorized inquiries on it. 
I have contacted the following Creditors below and they have no proof I Initiated these inquiries, no written authorization and have failed to provide reason for them reporting the inquiries on my credit report. 
According to Section 604 of the Fair Credit Reporting Act Permissible purposes of Consumers Report 15 U.S. Code FCRA, 15 U.S.Code 1681B In general. Subject to Subsection, any consumer agency may furnish a consumer report under the following circumstance and no other. 
( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by consumer.

Under 15 U.S.Code 1681i, Paragraph ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) in general. If, after any reinvestigation under paragraph ( XXXX ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The Following Inquiries are Unauthorized : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX LA XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card payment was due at Capital One on XX/XX/XXXX I made several attempts from my phone to try calling their automated system was not taking the prompts by me pushing buttons or speaking when I tried pressing zero to talk to a representative it would not register their system was not working finally after several attempts seven from my phone and a number of others from friends and families phones at XXXXXXXX XXXX. I called the fraud department to get a hold of a live operator was able to make payment XX/XX/XXXX I checked my balance to find out there was a {$20.00} late fee because the payment wasn't in by XXXXXXXX XXXX. when I called the credit card company to let them know about their phones they said there was nothing they can do to wave at {$20.00} fee I made every attempt to try to pay that on time even the final phone call when I made the payment it is a no fault of my own that I was on hold for XXXX minutes which made the payment XXXX minutes late I also tried paying online but the phone number I used to apply for the card was not working they had a phone number on record that I had several years ago which is no longer in working order so I could not get online to pay my bill to me it is unacceptable that they charged {$20.00} late fee when I made every attempt to pay it on time and it was their fault the payment didn't go in it is only {$20.00} but theft is stepped and how many people are they charging this money and getting away with it please reply Thank you XXXX XXXX XXXX I have screen shots of the times I tried calling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I attempted to send a request for account information to XXXX XXXX XXXX. The mail was returned as non-deliverable ( see attachment ). On XX/XX/XXXX, I sent out a request to have the item removed from my account to XXXX, TransUnion, and XXXX, respectfully. I have been sent a reply from XXXX, and TransUnion stating the account was verified, with the same non-deliverable address and an incomplete account number. I have not received a reply from XXXX in the timely manner described by federal law ( 31 days ). In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX, XXXX, and TransUion have all violated my rights. 

As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-20
Company: WELLS FARGO & COMPANY
State: DE
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed up for an account with Wells Fargo that offered an interest free period. It was explained to me that the interest free period would not start until the work was completed and that as long as I made my monthly payments on time, I would not be charged interest on the account. I made all payments as requested by Wells Fargo. I was charged this month an interest fee over 100 % of the remaining balance on my account despite making all monthly payments on time. When I contacted Wells Fargo, I was told although I made the monthly payments in the amount requested, my monthly payments did not fulfill the loan within the time period and therefore I was charged a significant amount of interest. This conflicts with the information I was verbally provided and is predatory lending. Had I been told that the monthly amount requested from Wells Fargo would not fulfill the loan requirements for the interest free period, I would have either paid in full earlier or made larger monthly payments. Wells Fargo has refused to eliminate the interest charges despite my offer to pay full balance at this time. I find their lending practices predatory in nature and unacceptable, especially for an organization as large as Wells Fargo.

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 2023-10-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
ACCOUNT NAME XXXX XXXX XXXX options Account # : XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In the year of 2022 I informed discover that there has been a credit card that has been opened in my name as a fraudlent account, XX/XX/2022 the company opened investgation i did not receive any follow up regarding to the process, the beginning of this year in XX/XX/2022 i called the fraud department after being told that the investgator did not see any fraud on the account when i provided proof that the address is not the same i was staying on campus when the time of the account was open i was attending XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened a checking account with Citibank in XX/XX/2022 after receiving an invitation offering {$200.00} bonus after fulfilling certain requirements. I fulfilled all their requirements, but upon not receiving the bonus I called to inquire and an inquiry was set up. My inquiry No was XXXX. On XXXX I received a letter from the bank stating that I have qualified for Promotion XXXX, but my account is not Form w-9 tax verified. To please complete the enclosed W-9 and mail it to the given address. which I did. When no bonus amount was deposited I called and found out that they did not get my mail. So I went to a branch and finished the paperwork. 
My account was still not W-9 certified. 
My husband went over to the bank manager and got the paperwork issue resolved. 
Yet no bonus deposited. 
Repeated calling, XXXX XXXX on XXXX, XXXX XXXX, got the same reply. Please fax over the proof of promotion. Now I faxed from the bank thinking that will resolve the issue. but it did not. 
It just resulted in a letter dated XXXX from the bank denying any such promotion. 
so called one more time and spoke to XXXX on XXXX and asked for a supervisor. Spoke to XXXX. She said would take care of it. 
No result to date.

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 2017-05-11
Company: EQUIFAX, INC.
State: OH
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:
There is a account that is listed inaccurately on my credit report for  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and Equifax have the account listed as Charged OFF when this account was fully paid through agreed judgement in  XXXX   County Court . I have attached a copy of the  XXXX   XXXX . There is a error please Delete the misinformation.   This is a notice of dispute pursuant to the Fair Credit Reporting A ct ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section

Company response to consumer: Closed with explanation