BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore took over my servicing I have tried to contact them requesting loan modification packets and get letters making offers for short sale or them giving me money to move out but NO INFORMATION ON A LOAN MODIFICATION. I believe they are stalling until the sale is complete next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wells Fargo repoed my car XX/XX/2023 and I have not gotten my notice of repo letter from them and I cant get the repo man to call back so I can get my belongings and plates out of the car. I also advised to Wells Fargo about the damage done to my driveway and got no response from them. I have called many times and they advised me I dont get a notification of repo letter. I have gotten no letter or notification from 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 explanation
Consumer complaint received 2019-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I attempted to use my mobile banking account and received a notification to call Bank of America. When I did call, I was told my account has been closed. I have no idea why and was told it was an identity issue, which makes no sense as I was and am able to identify myself. I am in XXXX, XXXX and looking to receive a refund from an airline company that did not receive my payment because of this account closing. I was issued a refund but I am unable to check my account for it because I have no access to my online banking anymore. Please help me with this situation, I truly need to go home. Thank you in advance.

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 2019-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Dear cfpb I have requested all my complaint documents and attachments sent with the company responses to be sent to me asap via certified preferably due to my identity theft XXXX XXXX XXXX XXXX nc XXXX XXXX Fax XXXX Asap. I received the bank of America file but the redacted XXXX file was not in there please check and recopy only the XXXX redacted signature card submitted by XXXX XXXX from bank of America regulatory. 
Please confirm via email when they are being sent Thank you 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 explanation
Consumer complaint received 2019-02-20
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a credit card with BARCLAYS BANK DELAWARE that charged off XX/XX/XXXX for an amount of {$2000.00}. I had some health issues which caused me to fall behind. I wanted to make a " settlement offer '' and try to get my credit card balance cleared up. Recently I contacted Barclays trying to find out if they would settle for half of the charge off balance, and they told that I would have to speak to an attorney it had been assigned to in order to settle for that amount. I called XXXX and XXXX and they gave me an amount of {$2900.00} which means I was charged an 69 % in interest and fees after they charged off the debt. I had moved to a different temporary location, and did not receive any additional statements after the account charged off. I requested the statements on XX/XX/XXXX and they had them sent to me, and it does show on the statements that they continued to charge interest on the balance that was charged off. I was advising XXXX XXXX that I was trying to pay the " debt the I owe '', but he said that they had set a court date for XX/XX/XXXX. First off, I am wondering how there is a court day and I have not received any info or been served for that matter, secondly if I contacted them trying to pay why are they trying to sue me, and third he said he sent something to me, but XXXX advised he had to update my address because he had the wrong address for me. So, if you sent me something and to the wrong address there would not be a way that I would contact if I have no knowledge of it. I think that the entire situation is deceptive and unfair on both parties BARCLAYS BANK DELAWARE and XXXX XXXX. I am more than willing to try and resolve this issue, but when I found out there were some questionable legal actions being taken and they did not contact me properly I wanted to report this and make sure that I am given a fair chance to settle this properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: MS
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:
Equifax has been deleting and reinserting information in my credit report that causes my credit score to plummet.They have reinserted information without notifying me within the five days that are allowed. They also reinserted information that had been resolved leaving me to think that they actually did not investigate my complaints. On XX/XX/XXXX, I mailed them a reinsertion of previous deleted information letter, and they disputed the things listed in the letter instead of addressing my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2023-03-18
Company: AMERICAN EXPRESS COMPANY
State: GA
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 an American Express card on XX/XX/XXXX, XXXX nitially, they requested additional documents and as I tried to send them the documents, the system would not allow me the do so. I called on XXXX XXXX and was told I needed something else form ( XXXX ). They also told me I needed a letter from my bank to verify my address. I called and they said my application was denied and never allowed me to send in supporting documentation. I have been discriminated against alright the rep told me my score was XXXX which met the standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Monterey Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Monterey collection svcs on XX/XX/2022 this is not my account I did not apply for this account the amount shown is XXXX I dont owe this before I never opened account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly sent certified mail letters to XXXX, XXXX, and TransUnion to remove a credit item from XXXX  because I am supposed to be included in this Class Action Settlement against XXXX. I wrote to the Office of the Attorney General, they sent me a letter dated XXXX XXXX with a PIU # of XXXX and said to follow up with XXXX XXXX who is administering money damages and XXXX is supposed to do loan forgiveness etc. I called XXXX XXXX because I never got a notice and they stated " I am not part of the Class Action Lawsuit '', despite having 2 auto loans over 23 and 26 % interest rate. I have let the Attorney General 's Office know that these 3 credit bureaus have done NOTHING to remove this from my credit report, they have done NOTHING to help me get monetary damages, and XXXX continues to DAMAGE me and my credit reputation preventing me to move forward with my life. I CAN NOT get a decent job that is high paying, nor get a credit card, not even a car nor a house, and this has DESTROYED my ability to have any future. I want CFPB to HELP ME by enforcing Federal laws and make XXXX, Attorney General Office, and credit bureaus PAY ME MONETARY and PUNITIVE damages for my suffering here. I have a job working at an agency, but I have lost ALL chances of getting a Federal job. I am XXXX. Too old to get a real job now thanks to their destroying my credit.

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 2016-09-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was working with my lender Nationstar for a loan modification up until the last few days before the foreclosure trustee sale. I spoke with many representatives with Nationstar up until the day of the sale on XX/XX/2016 and was asked to send in additional documentation in which I did. However on XX/XX/2016 they proceeded with the sale and my property reverted back to the beneficiary. I am not sure why the proceeded with the sale when I was in review and being asked to send in more documents, I feel I was treated unfairly and not being properly reviewed or sent to the correct department to escalate my file due to the urgency of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account on the XXXX of XX/XX/XXXX for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for 6 months, yesterday on the XXXX of XX/XX/XXXX made it 180 days but I'm yet to receive the mail on how to get my money out but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal because I had to wait 6 months but all to no avail. My email linked to my PayPal is " XXXX '' My paypal balance is {$3000.00} Date of limitation : XXXX of XX/XX/XXXX Date of release : XXXX of XX/XX/XXXX Unfortunately no response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: AR
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XX/XX/2020 I booked 3 airline tickets via XXXX using my PayPal Credit Card ( Now owned by Synchrony bank ). The next day I cancelled them and was issue a 100 % refund on the three tickets. 

There are 5 transactions on my XXXX account with regard to the three tickets. Initially I opened a dispute for two erroneous charges ; Synchrony initially reversed three charges and then later charged me all the transactions once again. 

I called XXXX and they confirmed that they only took 3 payments from the account and that all 3 have been refunded. Documents have been attached. 

I have been repeatedly calling, emailing and chatting with Synchrony representatives and there have been about 3 separate disputes and one account change for fraud. 

I'm tired and out of options. I hope the CFPB can help me from these vultures. Please find attached my detailed Synchrony ( Paypal ) Ledger, Proof of refunds from XXXX, My original tickets booked, their cancellation and Synchrony 's responses.

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 2019-02-20
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have spoken and written to TIAA bank for months trying to resolve a trivial matter. My property was recently reassessed for property taxes and as a result all 3 of the taxing authorities will lower the bill for 2019. I have written and spoken to TIAA and despite the passage of several months they have not responded, despite being given documentary evidence of a new assessment and its promise to contact the relevant taxing authorities to get an updated estimate. As a result I am likely paying hundreds of extra dollars into escrow and am carrying an escrow balance far in excess of federal limits.

Secondly I forwarded via fax and mail a borough tax bill to TIAA bank, it has yet to engage with this letter or make any effort to communicate its intent to pay this tax bill in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Friendly Finance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I contact my loan company Friendly Finance on XX/XX/2018 via email at XXXX inform them that I will be mailing XXXX payment. I was sent a very detail message on XX/XX/XXXX that was left by Mrs. XXXX on my father voicemail in regards to my delinquent account. She left a very threatening message that disclosure details of my delinquency which is consider a 3rd party violation. This action was taken although I made an attempt prior to contact them via email. No effort was made by Friendly Finance to contact me via the mode of communication that I initiate. Instead they made an attempt to not only violate my right to privacy but embrassed me by disclosing my finance information via voicemail to a 3rd party.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 : 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 -- -- Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2018-03-13
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018, it was noticed my US Bank Checkings account was closed - It was noticed because our debit cards were declining, so we checked the app and online and the checking account was gone. No notice, no calls, no warning. It was positive ~ {$1800.00} and had no NSFs, no bounced checks, nothing. Banks are not telling us anything nor are they refunding the money. They completely erased 100 % of the statements and records.

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 2022-01-07
Company: Santander Consumer USA Holdings 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:
On XX/XX/2020 Chrysler Capital has an inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with Bank of America in XXXX, 2018. On XX/XX/2018 I deposit a check into my BOA account written out to me from my XXXX XXXX XXXX financial Aid Loan Account. The next day Bank of America close my checking account and told me that it was close for suspected fraud and the check had bounced. I reached out to my other bank and was told that the account was fine need to call Bank of America back and the problem was on their end. I was immediately forwarded over to the risk department and was told that Bank of America reserves the right to not disclose any information and they can close any account whenever they want and they can choose whom they want to conduct business with. Anyways my account was positive when they close my account and I received a refund check to my address. However, Bank of America reported me and my account as suspected fraud to XXXX when I contacted them any times I was never able to get an answer right now I am having a hard time opening up a bank account because of this. There was no fraud conducted on my end I know outstanding balance was owed to Bank of America. I contacted him many times and could never get an answer or a letter of satisfaction. Please help

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 2023-03-23
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: 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. 

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  , 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. 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