BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX  ( 14 minutes ago ) to me I have a mortgage modification with Rushmore Management Services in Puerto Rico . This property is located in a Horizontal Property, therefore, I am unable to contract the hazard insurance because the XXXX XXXX XXXX made a hazard insurance contract until XX/XX/XXXX. 

For some reason that I do not understand, Rushmore decided to add a hazard insurance policy every year on XX/XX/XXXX. They sent me an Annual Escrow Account Statement dated XX/XX/XXXX where they informed an increase on the hazard insurance effective XX/XX/XXXX ( see attached document ). They do know the current policy is effective until XX/XX/XXXX, and that the XXXX XXXX XXXX is the ONLY entity entitle to negotiate the hazard insurance because the property is covered by the Horizontal Property Law. 
I had the same situation last year ( XXXX ), which resulted in the devolution of the monthly payment ( {$520.00} ) for the month of XX/XX/XXXX and a late charge of {$24.00}. Then, Rushmore had to accept the mortgage monthly payment ( {$520.00} ) and took them SEVERAL months to eliminate the late charge. 

After calling Rushmore many times and spoke with many customer service representatives of the XXXX, TX, XXXX, CA, XXXX, CA, and XXXX XXXX, PR offices, I wrote 3 emails dated Wednesday, XX/XX/XXXX, Wednesday, XX/XX/XXXX, and Monday, XX/XX/XXXX to AVOID the mortgage monthly payment DEVOLUTION and INCORRECT LATE CHARGES which might result in affecting my credit score. 
Since NONE of the emails have been answered, I have been pushed to appeal to you. 

My actual mortgage monthly payment is {$540.00} due to an increase in the hazard insurance policy for the month of XX/XX/XXXX ( refer to attached statement ). As you may observe, in the XX/XX/XXXX monthly mortgage statement ( see attachement ) there is an INCORRECT increase in the escrow account due to the hazard insurance that is NOT effective until XX/XX/XXXX. 

I have tried to solve this situation through Rushmore 's Customer Service Department and written emails with NO RESULT ; therefore, I have to appeal to you. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Fair Credit Reporting Act, XXXX XXXX, account XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an 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 2021-10-20
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint involves Shellpoint Mortgaging Services. A few years back I did have financial problem which resulted my having to hire an attorney and complete a Mortgage Loan Modification. I spent on this particular attorney approximately {$7000.00}. The Modification was completed, accepted by myself and Shellpoint. However, almost immediately I began experiencing problems with them. I have not missed one payment since, however, the company continues to send me notices of payments owed ( which I have not been or presently been behind ). They have changed the loan amount several times- they have constantly billed me for 3-4 months at a time without warrant and have been sending individuals to take pictures of my property. I have since hired several attorneys to rectify this problem- I am currently on my 4th as no one can seem to understand or resolve this problem or if it does get corrected it only last a month or two and goes back to the same nonsense. I honor my modification and pay faithfully every month ( receipts to prove ). They do not acknowledge ... .I am XXXX and still working at my same employment for 46 years ( thankfully ). I can not any longer take the stress of their incompetence, falsehoods - every time I get i corrected through an attorney the " fix '' last for a month or " two '' only. Something has to be done - I can not keep hiring attorneys for a " quick '' fix - lose money for nothing. I have no family to fall back on- it is downright frightening to see someone pull up to your house and start taking pictures as if they were foreclosing - again I have not missed a beat and back. I am sooooo tired of receiving statements such monthly payment due {$9000.00} or some other ridiculous amount - no acknowledgement of regular payments. This is making me sick - I am constantly nervous just waiting for what is next - I need help badly. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: DISCOVER BANK
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: Overcharged for something you did purchase with the card

Complaint:
On the XX/XX/2018 I made a purchase for XXXX on my discover card XXXX XXXX music which was declined and I then pay with cash .but the fund just disappears from the card. At one time the funds was showing on the account as pending and then its disappear but the funds are not on card. I called several times to discover and the merchant but nothing was being done. Every time funds just disappear from the account I called several time and talk to the supervisor and customer service and they are saying the the funds will show up the next business day, but no funds never show up on the account. I do hope someone could help me with this matter as soon as possible. I am sure There are many innocent people out there who are being rip off by this company and didnt knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
A merchant accepted payment for resume writing services ( via Bank of America credit card ) and failed to deliver. This complaint is in regard to the unfair banking practices of the Bank of America Fraud Dispute process. 

On XX/XX/XXXX I contracted with a professional resume writer ( merchant ) to update my resume and provide additional services for {$380.00}. Payment to the merchant was required in full, up front, online. I paid via my Bank of America ( BofA ) credit card. The merchant failed to deliver on his contract, and made excuse after excuse when he would respond to numerous attempts to contact him. By XX/XX/XXXX when deliverables from the merchant were not delivered, I requested a full refund if he would not provide. On XX/XX/XXXX via email, the merchant agreed and responded that my refund has been processed. There was no refund to my BofA credit card account by XX/XX/XXXX, so I started a Fraud Claim through BofA. 

I responded timely to all of the BofA requests for information & signatures. About 2 months into the 3-month claim review period, the merchant responded to BofA to dispute the claim. The root of his flimsy claim was that his disclaimer notes no refunds are issued following development of initial work product. However, he did not deliver a work product, nor did I accept a work product. 

BofAs claims department then requested additional information from me, within 6 days, including an unreasonable request : A signed second opinion letter from another qualified merchant in the same profession, on their letterhead, that specifically details how each disputed item listed on the merchants original invoice is considered defective or not as described. The letter should include an explanation of the steps that are necessary to correct the merchandise or services, along with an estimated cost to repair. 

Providing 6 days to do this before closing the claim is ridiculous and unfair. In order to do this, for the services provided, I would have needed to hire another resume writer to do as much work as the merchant should have done, and more, costing as much as the claim. This is absurd. Any literate employee in the fraud department could have reviewed the materials I provided and made this determination. 

I responded to BofA with all of the information requested, excluding what was unreasonable and unobtainable within 6 days. BofA then closed the claim and gave the merchant back the funds that he defrauded me for.

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 2019-01-10
Company: BARCLAYS BANK DELAWARE
State: WA
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 balance transfer

Complaint:
On XX/XX/18 I did a balance transfer with them and they did a double transfer on two of my credit cards that I wanted paid off. This has been over a month ago now and not resolved. I talked to a manager in late XXXX and she assured me it would be fixed in 2 weeks. Never happened. Talked to another manager in XXXX she assured me it would be fixed and she would call me back in 24-48 hours. Never happened and she never called back. Talked to another manager in XXXX and he said it takes 30 days to fix. Again, that never happened. Filed a XXXX complaint and was contacted by XXXX but I wasn't available to talk to her so she left her name and number. I called her back yesterday and today and left messages to call back and that never happened. Meanwhile the credit card that I have with them is over the limit and I'm sure will be reported and my credit score will be destroyed. On top of that the minimum payment that I was supposed to pay is much more than I would have to pay because of this mistake. Needless to say this is all very frustrating and I need help quickly before my payment is due on the 16th if at all possible. Thank you.

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 2021-10-20
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car was repossessed, the company says I havent paid since XXXX. Even though I have receipts stating that I paid everything that is owed. The company says I am unable to speak with anyone on a supervisory level, and they also stated that I cant show proof of my payments & that they are only going by what their computer says.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
USAA Banking Auto Loan Department keeps sending Collection and Late notices for XXXX XXXX XXXX which USAA totaled on XX/XX/XXXX. 

USAA sent Repro Agent by our Home on XX/XX/XXXX to collect the XXXX XXXX XXXX which was still at the Repair Shop XXXX XXXX XXXX XXXX. 

USAA totaled the XXXX XXXX XXXX on XX/XX/XXXX per their letter and has been sending Customer threatening letter regarding collection and repossession even after USAA totaled the Vehicle. 

Customer responded back to USAA on XX/XX/XXXX and informed them of the entire situation and the fact that XXXX XXXX totaled the Vehicle. The Customer notified the Bank first thing after the accident happened to ensure the USAA Bank was communicating with XXXX XXXX Adjuster to payoff loan as stated by XXXX XXXX ( Bank Officer ) and XXXX ( Adjuster ). 

USAA continued to let XXXX XXXX XXXX  XXXX complete repairs on a Vehicle they totaled. The total of repairs {$22000.00} on a Vehicle worth $ XXXX 95 % damaged and USAA wants the Customer to still pay the loan on a Vehicle which has lost over 90 % of it's value and now has a Totaled Title. 

The title and keys were sent back to USAA per their request so the responsibility of the Vehicle is with USAA since they took ownership and kept on paying the Shop even after the Customer told the Shop to stop all repairs on XX/XX/XXXX. 

Why does USAA Bank Auto Loan Department feel that the Customer is still responsible for the Loan payment on a declared Totaled Vehicle? Why did USAA not perform its obligation and responsibility to the Customer as stated in their Total Loss Letters?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying for several months to get a refund of a credit balance on the account. 

The documentation attached reflects the activity on the account in XXXX, XXXX, and XXXX. XXXX Credit balances appear on the report ( caused by overpayments ). 3 refund checks issued, and 1 was not cashed I have been trying to get reimbursed for the XX/XX/XXXX credit balance and check # XXXX was issued about XX/XX/XXXX but not cashed. 

The company made mistake in their response. Check XXXX XXXX is not reissue of check XXXX XXXXXXXX it is the original credit refund check for the credit balance as of XX/XX/XXXX. 

The credit refund check I am looking for is the credit refund check for credit balance as of XX/XX/XXXX ( check # XXXX ) which I have not received. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-07-26
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 Dear XXXX, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


1. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account NamXXXX : XXXX Account XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : DPT EDXXXX Account Number : XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 4. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. Account Name : DPT EDXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. Account Name : DPT EDXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. Account Name : XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion, XXXX and XXXX are reporting account incorrectly stating invalid account # stating a balance of {$190.00} reporting incorrect day last reported, date last active and missing data on date of last payment. Stating account as being a Installment when true account type was checking account. There is no possible way that there can be a balance when I never borrowed money from this creditor. 
XXXX is reporting perfect payment history with one charge off on XX/XX/XXXX. This is not possible! Yet, missing data on date last payment. Account has been reporting a balance of {$190.00} since XXXX it is XXXX an account is still reporting a balance of {$190.00} with payments up to XX/XX/XXXX. If account is reporting payments up to XX/XX/XXXX the {$190.00} shouldve been paid off by now. Account is a total mistake delete immediately.

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 2022-01-08
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:
On XX/XX/XXXX I certified mailed a notarized FTC Identity Theft Report to Transunion. Along with a copy of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Transunion received it on XXXX XXXX. I called Transunion on XX/XX/XXXX I was told that my Identity theft report did not meet Transunion 's criteria. So they disputed all the accounts with the creditors. And that I needed to send in another Identity theft report along with my Drivers License, social security card, a utility bill and cover letter. When I asked what was the reason why it didn't meet their criteria I was told they couldn't tell me. So I mailed the new documents they requested overnight delivery on XX/XX/XXXX. They have received them. I know both times I submitted fully complete and legible documents.

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 2020-08-03
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, one of my elderly relatives located in a different city called me over to their house to inform me that a sheriff arrived at their front door with papers for a lawsuit pertaining to me. Immediately, my elderly relative, who answered the door, came under distress seeing a sheriff knocking on their door. The sheriff served them papers that were related to me. The organization behind the lawsuit was XXXX. XXXX sent Kohn Law Group my incorrect information and are threatening me with a lawsuit. First off, XXXX does not have my accurate information and nor can they prove the credit card debit of XXXX card is still currently an outstanding debt for me. My credit report shows XXXX who sold my account to XXXX XXXX is no longer open and has been charged off as a bad debt. Now XXXX and Kohn Law Firm and their entire basis for a lawsuit is based upon a statement from XXXX. They have no current proof or documentation from XXXX ( My original creditor ) informing them to collect this debt on their behalf. Furthermore, the information that XXXX posses about me is incorrect which is why the papers for the lawsuit were served at the wrong house! I have been living at my address for the past 22 years, it makes no sense for the papers to go to the wrong house. The address listed on the served papers is wrong, therefore, I am attaching the first page of the papers that were received to the wrong address. My reputation and financial information were completely violated. To make matters worse, when I contacted XXXX, asking an employee whos name is XXXX, to prove to me this debt belongs to me or prove to me that XXXX has authorized them to collect this debt on their behalf he hung up. He hung up because he had no information proving this entire debt belongs to me. Before he hung up the phone call, I asked him to provide his ID # or extension and to let me speak to a manager, but instead he hung up. All the information XXXX has pertaining to me is inaccurate as well as this debt. Barclay has written off my account and did not reach out to me to pay them any outstanding amount. XXXX who is working alongside with Kohn Law Firm are trying to pin this illegitimate debt to my name and are threatening to bring me to court. They have also listed my employers information on the court papers as a means of harassment. I do not want XXXX or Kohn Law Firm to contact my employer with this false and illegitimate debt. This is a form of harassment and a misuse of my personal information.

Company response to consumer: Closed with explanation