BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to missed payments on our mortgage, we applied for a loan modification to XXXX XXXX  in mid XXXX The application was being processed, and had gotten to the point at which ALL DOCUMENTS WERE RECIEVED, and the process was moving forward. We kept checking in with XXXX XXXX and they kept saying nothing else was needed. Then close to the end of XXXX, we checked again, to be told that our loan was being transferred to RUSHMORE LOAN MANAGEMENT, and they can not give us any information. I called Rushmore, and they informed me that they do not have all the documents from the prior Servicer, so we would have to wait. We were advised by Rushmore, that the entire transfer process takes 30 days. We still kept calling and for about 3 weeks, were still being told that they dont have all the documents from XXXX XXXX and we still have to wait. All THIS TIME WE WERE SHUT OUT OF THE PROCESS, THERE WAS A PENDING SALE DATE OF XX/XX/XXXX! 

Then someone called us back from Rushmore and asked us to resend the documents to them, as they still did not get all the documents from XXXX XXXX. They also asked us to send the insurance declaration page. We sent all the documents they requested, BEFORE the 37 days window! Then I called this morning to follow up on the modification, and was told that the process was closed out because they did not get the documents requested. The agent did confirm that they received the documents we sent BEFORE the 37 days window, but says he did not see the insurance declaration page, so they closed it out because they didnt see that page. Fact is, we sent the declaration page, which apparently didnt transmit properly, which is normal, when sending documents. They could have told us they didnt get that one document and I would have immediately resent it. I asked the agent if the bank had called to inform us that that page was missing, or even sent a letter, and HE REFUSED TO ANSWER THAT QUESTION. 

So now, why should we stand the consequence of the BOTH banks delaying our modification process, with a sale date pending??? We called many times but none of the banks were able to give us any info, because of the pending transfer, and we were told they needed 30 days. The time lost during the transfer should have been given back to us, by extending the sale date. THIS IS NOT FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
Violation of a code : A filed requirement or provision under the law. 
XXXX XXXX XXXX  willfully failed to comply with 15 USC 1681s-2 ( b ) under the FCRA and is liable under 15 USC 1681n ( 1 ) ( A ) to XXXX XXXX I am within the statute of limitations, per 15 USC 1681 p I am entitled to a private right of action The elements of my claim, factors that are met to make this claim is that I have disputed this info with the Credit reporting agencies. The Credit reporting agencies told you all ( the furnisher ), XXXX XXXX, and you as the furnisher investigated. The Credit reporting agencies failed to conduct a reasonable investigation. I have suffered concrete harm in damages due to this failed investigation. 
I, XXXX XXXX, the defendant am liable after a failed requirement and I am entitled to {$1000.00} per 15 USC 1681n. 
As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per 15 USC 1681n ( a ) ( 1 ) ( A ). 
As far as actual damages, I have suffered denials due to excessive chargeoffs per XXXX XXXX and Credit reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If XXXX XXXX and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached. 
To state a claim under 1681s-2 ( b ), a consumer must : 1. Alert the credit reporting agency or CRA of a dispute regarding the allegedly erroneous information that it reported.

2. Allege that the CRA alerted the furnisher of the credit information of the dispute, which triggers the furnishers duty to investigate. 
XXXX. Allege facts which show the furnisher failed to undertake a reasonable investigation of the disputed credit information and I have suffered damages because of that. 
And I have done all that, please see the attached invoice. These are serious violations of the FCRA and I now reserve the right to pursue legal action for this clear violation of FCRA! I demand that you immediately delete this account from my credit report or update it to paid in full and satisfied in order to avoid legal action, I will also fax this to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this on my own behalf, no third party is involved. This company, Experian, has ignored and/or not address properly the 5 correspondences that I have sent them to have a bankruptcy record on my report DELETED. They could not show proof of their investigation and how it was verified, and they also MUST delete it because it had multiple inaccuracies which I proved by showing them the consumer reports from the 3 CRAs. I gave them my written authorization to get this item deleted and they need to comply. 2 of the few violations they have taken while investigating my request are included in the attached invoice.

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 2024-01-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a XXXX check into Wells Fargo Bank via Mobil Deposit. The check was drawn on a checking account I have at XXXX. That checked was flagged by XXXX as having an irregular signature as I didnt sign my full name as is on the signature card and the check was for XXXX. 
When notified, I called both banks and was instructed by XXXX to write a new check using full signature. 
On XX/XX/XXXX, I deposited new check for XXXX into Wells Fargo. 
On XXXX, I received notification from Wells Fargo that my account had fallen below XXXX. 
On calling the XXXX #, I was told that they put a fraud alert on the check and it was being held until XX/XX/XXXX. I asked to speak to a manager, I was transferred but got no further when I explained that the check had cleared my XXXX bank according to online transaction on XX/XX/XXXX. I asked to speak to a higher level manager and was told I would have to wait 24-48 hours. I hung up and called XXXX who verified the check cleared my XXXX acct on XX/XX/XXXX. 
I called the Wells Fargo branch where I opened the account and was told I had to call the XXXX number. 
I want to know where my XXXX is as it is not available to me either from XXXX, where is was deducted on XX/XX/XXXX and not from Wells Fargo who presumably has the money but is not crediting my account.

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 2022-07-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I C systems Collection XXXX XXXX XXXX XXXX XXXX  was paid before closing account with them. 
Account closed more than XXXX  years ago. 
XXXX XXXX XXXX was holding refundable deposit of {$300.00} required to open account. 
XXXX was kept by XXXX XXXX XXXX to fully cover last bill. 
Last bill amount due was {$200.00}. 
Remaining {$99.00} from {$300.00} deposit was to be returned to me by check. 
Requested last bill showing deposit used for payment covering last bill. 
But last bill was not sent stating this because they said it wasnt possible to specify on bill that deposit was used to cover last bill. 
Account was assured paid covered by initial deposit and closed. 
Never received remaining {$99.00}. 
Called many times but was never given an answer only that my account was closed and bills were not sent out to accounts that have been closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the fare credit report act the list of accounts listed below have violated my federally protected consumer rights to privacy under the 15 USC 1681. Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC section 602 states u have the right to privacy. 15 USC 1681 section 604 A stars a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-28
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
On XXXX a collection account by the name of MIDLAND CREDIT MANAGEMENT was placed on my credit report in the amount of {$990.00}. The original creditor is XXXX XXXX XXXX XXXX  XXXX. By law, once an account has been sold to a third party, I am not responsible for the debt. Please have them send me the original contract with my wet signature agreeing to pay and validates the debt. Please remove and delete this account from my Credit Report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
credit cards open on credit report, identity theft.

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 2023-08-14
Company: BERKSHIRE HILLS BANCORP, INC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX My late husband 's name is XXXX XXXX XXXX and he's the one who owned this equity loan. He's gone for almost 15 years. He pays XXXX monthly when he is still alive and when he made an accident and no longer working he made it XXXX monthly. So far, there's no problem with this. If I have extra money I gave more for the principal So far, ever since I did not encounter a problem, only this time... The last record I gave an advance payment for the principal was XX/XX/XXXX the amount of {$860.00} dollars. 

On XX/XX/XXXX I went to the Berkshire bank in XXXX XXXX XXXX, XXXX, MA. XXXX. From the entrance I went to the left hand side and grab 1 loan slip and wrote down XXXX XXXX XXXX and in words, " XXXX XXXXXXXX XXXX '' in numbers {$1000.00} dollars. I placed the loan slip on top of the money. and I went to the lady, XXXX and she set aside the slip and count the money by hand and put in the counting machine. After that she gave me a 2 pages which I thought a receipt. Until I received a monthly statement dated XX/XX/XXXX till XX/XX/XXXX and how come the balance is still XXXX XXXX instead of XXXX, XXXX XXXX. I called the bank at once and went there. I spoke with XXXX and he opened his comp. and take a look and he said there's no XXXX dollars in their records and started to get nervous and upset and then left. That was Wednesday XX/XX/XXXX. And so I went in the other branch and spoke with XXXX, the manager and relate what was happened and he said he will talk to XXXX and call me. I did not get any call from them and so I went back to XXXX Monday XX/XX/XXXX I XXXX XXXX XXXXXXXX I gave XXXX dollars to the lady and her name is XXXX. Like I said, I swear to XXXX it's really true I gave to the lady XXXX dollars and she counted it and put in the counting machine. Why did she give me a " Transaction History, instead of receipt of the XXXXXXXX XXXX? ". I called the Head Office number and left a message. The following day she called me and told me that the reason why I was there is to asked a transaction history. And I told her I did not go there to ask transaction history and to tell you honestly, this is my first time to see this and why will I go there to ask that, the fact that I am getting a monthly statement so I know how much I still owe. I am writing what was happened in Berkshire Bank and hopefully, you can help me to solve this problem because the XXXX XXXXXXXX XXXX is already big amount for me. And I really XXXX XXXX XXXXXXXX, am a XXXX and I don't like people who take advantage and people who are dishonest. So, please help me to solve this problem. Thank you very much and have a wonderful day! 

Respectfully yours, 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 explanation
Consumer complaint received 2019-11-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I APPLIED FOR A DEAL WITH CITI AADVANTAGE BUSINESS AND THEY WRONGFULLY DENIED MY CREDIT CARD APPLICATION.

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 2023-08-14
Company: SUNCOAST CREDIT UNION
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: Public record information inaccurate

Complaint:
I received a rejection letter from my bank ( truist ) stating i was unable to co-sign a XXXX dollar loan for a family.The letter stated the following reasons : Delinquent credit, Foreclosure.I was never on a loan of another person, my mother passed away and the bank Suncoast schools credit union took back her condo. I had no financial responsibility to her loan and was not on the loan. I have perfect credit, never late and paid off XXXX homes years early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Unauthorized credit applications. Only authorized was XXXX XXXX. XXXX XXXX, and XXXX XXXX. All others are unauthorized

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 2023-03-13
Company: Experian Information Solutions Inc.
State: GA
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:
reach out to to both creditor and credit reporting agency no respone to having this fraud account remove

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 2019-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Im not sure what number email I am on. I have been dealing with a fraud case since XX/XX/XXXX that needs to be resolved and get me my money back. I have spent HOURS on the phone. I have escalated it, spoke with them, escalated it above that wanting a supervisors contact info. They could not give it out so she left me a voicemail and I have left her numerous messages with no response. Her name is XXXX XXXX. I notified the CFPB, federal reserve, and a few others. I was contacted by somebody stating my case had been sent to an escalation resolution specialist, her name is XXXX XXXX. I was told she was REQUIRED to contact me by XX/XX/XXXX, which of course never happened until I sent another email then got a call a few days later stating she had been out of the office and it was still being looked into and they would have resolution for me by XX/XX/XXXX. I STILL have not heard anything and it is XX/XX/XXXX I have left her 2 voicemails and nothing. The whole problem has been communication. I WANT MY MONEY.

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 2023-04-11
Company: EQUIFAX, INC.
State: SC
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage refinance application submitted to lender. 
Letter from lender dated XX/XX/2020 'Notice of Action Taken Counteroffer ' states " unable to offer you credit on the terms or in the amount you requested ''. Included in this letter was a statement that my credit score was XXXX, created on XX/XX/2020. " Scores range from a low of 390 to a high of 839 ''. 
This letter referenced a counteroffer which was verbally discussed with bank management. The terms of the counteroffer were refused. 
A letter was sent dated XX/XX/2020 requesting Statement of Specific Reasons ; no response received. My telephone records indicate that bank management contacted me in early XX/XX/2020 to discuss this letter at which time I reminded them that a response was due by XX/XX/2020. 
Various documents are attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: T.S. Holdings
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called 7 times in less then 12 hours, including 4 in a one hour span. Tuesday XX/XX/XXXX and XXXX. Company is IQ data international

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
- XX/XX/XXXX fridge installed, Order # XXXX - XX/XX/XXXX contacted XXXX XXXX as directed by delivery agent because there was no freezer handle. In addition there were scratches on the unit from the packaging and instillation. 
- Best Buy was unable to request a freezer handle from the manufacturer and ship it to me. I had to contact the manufacturer myself and get a freezer handle. For the inconvinece they offered to price match a competitor. 
-For the scratches, if I kept the unit they offered a 10 % discount -Total discount of {$560.00} was supposed to be credited to my BEST BUY credit card, which was used to make the purchase. 
- I have received two billing statement and still received no refund. 
- I received emails on XX/XX/XXXX saying they processed the refund, but nothing. 
- I have called them on XX/XX/XXXX, XXXX, XX/XX/XXXX to try and resolve I also chatted on XXXX XX/XX/XXXX In all instances I was on the phone for over an hour or chat and they all said they didn't have the authority/ability to refund. One supervisor did state he didn't care that a previous team member made the agreement, he would not honor and would not escalate further. At this point I would consider this a bait and switch to keep a damaged unit.

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