BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Lender " Shellpoint/NewRez '' Loan # XXXX has incorrectly calculated my escrow analysis. They have raised my payment by ~ $ XXXX. This is related to a forced placed master insurance policy that was never needed. My building is a XXXX XXXX high rise condo that has always had up to date insurance. They did not do a good job working with my HOA to collect the information manually. 

I have been trying to get NewRez to recalculate my escrow analysis prior to my XX/XX/2022 payment ( which shows the increased payment ). They have not responded to me via messaging on their site. I chatted with their online tool and was told that they will escalate but it could take 30 days to review. This is unacceptable. 

Please help. 

XXXX XXXX

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 2020-03-10
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We received a call from MCM ( XXXX ) at XXXX on XX/XX/2020. The operator asked for a " XXXX XXXX ''. The operator was informed that this matter is a personal matter for this person and they will need to be reached on a personal line and we ask, again, to stop calling This same individual called the day prior XX/XX/2020 and was told the same thing. The operator even notated that she called the day prior and was told the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. Transunion responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XX/XX/2018. XX/XX/2018 XXXX received dispute letters in regards to inquiries. Their response on XX/XX/2018 from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent XXXX two dispute letters, one for my inquiries and one for several inquiries on my credit report. XXXX has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.

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 2023-06-06
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Had agreement with Citibank to help pay off credit card. Was making payments. XXXX monthly to pay down credit card. I was making payments all the way off until XX/XX/XXXX. 
in XX/XX/XXXX Citibank would not allow me to make a payment online or over the phone. Stated to call back my account was under review and they could not accept any payments at this time. To call back at the end of the month. Call again on XXXX. Lady states to Call back later on in month still under review, called again on the XX/XX/XXXX lady stated the same thing. Called back on XXXX still saying the same that my account was under review and I could not make any payments at this time to called back. Called back XX/XX/XXXX. Still not able to make payments stating it was still under review. Then I get a letter from collections saying they want the payment in full. I dont understand how it can go to collections if Citibank would not let me make a payment. I had tried for 3 months to make payments. Then spoke with XXXX XXXX with client services on XX/XX/XXXX. We talked about {$170.00} month for 36 months. I wouldnt agree to the arrangement until I had it writing. Due to the fact Citibank didnt stand behind the first agreement with me. I also requested a statement for the last 2 years of payments. I do not agree with the balance owed,. Again how can a creditor do this to a customer if you will not allow the customer to make a payment. Seems like to me Citibank set me up in order to turn this account into collections. I think this is unfair and discrimination. When I was trying to work with Citibank. And Citibank didnt hold their end of the agreement and wouldnt allow me make payments. 
Last year payments XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2020-03-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank ( BMO Harris Bank ) charges {$2.00} per month to U.S. Mail a monthly statement. They do not charge for online statements. 
I have monthly direct deposit of Social Security and Retirement checks. Is it legal for a Bank to charge you for monthly statement by mail?

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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

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 2022-12-23
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, PNC Merchant Services charged my checking account {$140.00} for a lease of merchant services equipment that was returned back to PNC Merchant Services on XX/XX/2022. The lease for the equipment was expired and equipment was returned properly. The charge for the equipment lease for XX/XX/2022. When calling PNC, PNC would not allow the transaction to be disputed because it was internal PNC matter. However, PNC noted that the equipment was returned and the lease was fully terminated. PNC stated that the transaction can not be reversed due to it being an ACH transaction being paid to PNC. PNC also allowed the transaction to occur even though the amount of the transaction brought the account to a negative balance. Under agreement, PNC should have returned the transaction instead of letting it process. 

In addition to being charged the lease amount, PNC also charged {$36.00} for insufficient funds for a transaction that should have happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: WA
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:
I legally changed my name in XX/XX/2018. I updated the Social Security Administration and all my lenders. Both XXXX  and XXXX  updated information in their files. Equifax did not update their information. Because I have a security freeze on file, now I am unable to obtain new loans or increase limits on the existing loans. Equifax refuses to process my requests because the information in their file does not match the reality. 
When trying to resolve the problem directly with Equifax, they asked me to mail in a copy of my social security card. I am not comfortable mailing the card, and I disagree with the Equifax 's assertion that I should take actions with them to resolve the issue. It is the Equifax 's responsibility to update the information based on my update with Social Security Administration and all my lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have contacted transunion and XXXX numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating XXXX XXXX XXXX will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to XXXX data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against Transunion and XXXX for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.

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 2022-12-23
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Called XX/XX/XXXX to request refund timeframe that I was told was 60 days. Called several times to follow up and I was told several times that request has been submitted. I called again XX/XX/XXXX way past 60 days only to be told that request wasnt properly submitted and now will need to reset the clock and will take another 90 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO

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 2019-10-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/272019 I sustained a water leak under my kitchen sink. I filed a claim with XXXX, my Homeowners Insurance. 
After delays with XXXX, the work to rebuild my kitchen began on XX/XX/2019. 
All checks submitted to me by XXXX are required to be sent to my Mortgage Company, Rushmore Loans. 
On XX/XX/2019, a check for {$32000.00} was issued to me and, subsequently forwarded to Rushmore ( with all required notarized documentation ). I sent these documents via Mail and, when I followed up with my File Owner, XXXX ( XXXX ) she claimed they were never received. I then uploaded the documents on their website ( XXXX ) and again, XXXX claimed they were never received. Finally, I faxed everything and got a confirmation that it was sent/received. 

I later checked the transaction history on my Mortgage account, and it shows that on XX/XX/3019, the check was deposited, and that on XX/XX/2019, the check was RELEASED to me. 
This is false, as that amount was never released to me. 
I have, in fact, paid over {>= $1,000,000} OUT OF POCKET for materials and labor in order to keep the work going. 
In the meantime, I have left 7 voicemails for XXXX over a two month period, and she does NOT return calls. 
I feel something fishy is going on here. XXXX called me once, while I was working, and arranged to call me back at XXXX that afternoon, but never did. 
The one time I finally got her on the phone, she claims we had a bad connection, and wanted to call me back, which I didnt want to take the chance to do. 
Furthermore, she is very un-informed, cant answer a single question, and cant explain why this check is documented as released to me when it never was

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2023-06-06
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX ( XXXX ) is attempting to collect on a payday loan debt that was initiated through Cash Central, a licensed Credit Access Business ( CAB ) in Texas ; CAB meaning, Cash Central do not offere loans in Texas. The loan was arranged with XXXX XXXX XXXX XXXX, my lender, in the amount of {$2000.00} on XX/XX/2022. I have attempted on several occassions to reach my lender, in an effort to resolve this matter. I noly had one loan, but on my credit I am reflecting two loans totaling {$3300.00}, especially since payments was made on this loan. I was never told about another loan for {$590.00}, when ask to provide a Note or loans agreement, no one would furnish.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 30yr fixed rate mortgage with CHASE Loan # XXXX. 
Sometimes I make payments that are more than the monthly payment due, with the hope that the extra amount I pay, will be applied the principal, and as such, I can pay-off my mortgage quicker and reduce my interest expense. 

When reviewing my statement, I noticed that in some instances, CHASE applied my extra payments to the " future amounts due '' Essentially they apply the amount to the interest that has not yet accrued. 

In some instances the amount applied to the " future interest '' is a few hundred dollars. 
I called them several times ( case # XXXX ) telling them to restate my payments and apply any extra amount to the principal, instead of the " future payments due '' I have called them at least three times on this issue, but no help and no reasonable explanation. 

I also send them the following e-mail through the corporate web-site on XX/XX/XXXX On my XX/XX/XXXX Statement, my outstanding principal was XXXX, and the amount due was XXXX/ Of those only XXXX was interest. 
On XX/XX/XXXX I sent the payment of XXXX USD, if you deduct the interest due at that time of XXXX, the rest of the amount, XXXX should have reduced my principal payment, for the next month. However the principal for the next month was only reduced by XXXX. 
XXXX USD. was not applied to my principal amount. 
Please review my account and credit the remaining amount to my principal amount as of XX/XX/XXXX. 

But nothing happened since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, 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:
I recently checked my credit and noticed several discrepancies. Theres some accounts on there which I do not recognize and have never done business with. Some seem to be collection companies for companies I have never even inquired with or used in my life. I think I have been subject to identity theft. It looks like this person has gotten credit cards and automobiles in my name when I myself haven't even had a car. If you can please help me with this I would greatly appreciate it I am trying to get a car for my children and I and this is not letting us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT ED XXXX # XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX has violated my rights. 
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 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation