BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Rushmore dated XX/XX/XXXX stating that my PMI would be removed as of XX/XX/XXXX, due to the original amortization of the loan. I had to request by fax that they do this, even though it was per our loan that it would be removed. As of today, XX/XX/XXXX, my statement still doesn't reflect that. Yesterday, XX/XX/XXXX, I received an escrow account disclosure statement and change of payment notice that still shows mortgage insurance and an incorrect amount for property taxes, and our payment increasing, for the second time this year. I received the property tax notice in XXXX for {$1600.00}. The taxes were discounted by the county because I turned XXXX last year. The amount for the prior year, XXXX, was {$2400.00}, which is what they are showing due for this year. They also added 2 months of additional escrow, initially, when our loan with XXXX XXXX XXXX was sold to them for servicing, last year, I believe in XXXX. I have spoken with their call center, and via email numerous times, and can never get an answer as to why this is going on. They continue to say that it has to be investigated. We already have a letter saying that the PMI would e removed as of XX/XX/XXXX, so that should not be an issue any longer. Please help me. They won't let me speak with anyone, ( supervisor ) when I contact the call center, which, I believe is in the XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Account Number : XXXX Balance : {$500.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX / XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Account Number : XXXX Balance : {$500.00}

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 2018-10-16
Company: Experian Information Solutions Inc.
State: NC
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:
Hi cfpb I am reporting XXXX for reinserting a debt that doesnt belong to me from, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX. I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of violation of {$1000.00} per each and litigation.

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 2021-10-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX received a letter from the BMO Harris Bank which was stating that I owed them funds associated with a home equity account which has been settled since XXXX in conjunction with the Federal HARP program when the house mortgage and associated accounts had been settled. 

I responded the same day refuting the claim and asking for proof that they were even licensed to make claims in the State of Ohio as I suspected this was a phishing exercise. Many weeks later ( actually months ) I received a copy of a statement which did not have my signature. 

In XXXX of this year I received another letter which obviously did not even acknowledge my first response. I wrote back again on the next day and said this : Well I guess I should say Happy XXXX XXXX XXXX!! I would like to begin a conversation which will satisfy this issue with some civility. Your letter dated XXXX XXXX was just received yesterday. I always try to respond in a timely manner. The issues the US Post Office are having come to life with mail deliveries having no rhyme or reason. 

I wrote back on XXXX XXXX with my response to your letter about this issue. I am including a copy of that letter as there has not been any actual answer, other than a form letter and a copy of a very old statement. I want you to be assured that I remain convinced this had all been settled with the HARP settlement in XXXX, XXXX. I also find it odd that after 7 years I suddenly am receiving these letters. I am well aware of the 7 year rules, and attempts to resurrect old and settled claims. 

In the past 20+ years I have endured 2 divorces and defended this family home more than once. I would very much like to hear from an actual person. Please contact me so that we can have a quiet and civilized discussion. 

I feel that my responses have been timely and reasonable in seeking solutions if necessary. This week I received notices to participate in a " mitigation '' program which could result in some kind of foreclosure action. I am more than alarmed. None of their letters offer any form of contact than a mailed response. All of these take time and now even more with the train wreck the US Post Office has become.

I still have no idea or recollection that BMO Harris was the bank of record and have a feeling that they have " bought '' the paperwork which was settled and are involved in a financial harassment. I do not think the 7 years is a coincidence. I take a threat to my home and my business very seriously and am seeking your 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 explanation
Consumer complaint received 2018-02-01
Company: XOOM CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
XXXX is the one I use to transfer money. This time I got this message after I submitted. And got the message, Your payment is currently in the electronic check clearing process. During this time, your bank account is being verified, debited, and payment is being credited to XXXX. Normally, this process takes up to four ( 4 ) business days. 

They did not provide a warning before submitting. Called three times and was told all the other times they pre funded but in reality, the amount was debited instantaneously. This warning must have been shown before submitting the transaction. 

My second call was hung up.

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 2020-10-10
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
In re : Report Number : XXXX Report Number : XXXX Report Number : XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ..promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible.

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 2020-06-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX, am sole mortgage holder of loan # XXXX with PHH Mortgage. My complaint with them is : 1.Phh Mortgage has approved a 3rd party unauthorized person, XXXX XXXX , to file a motion with bankruptcy court to try an refinance my debt. 

I have not given authorization for anyone to do anything on my debt. I even sent in.writing to both Ocwen and PHH I do not give authorization for anyone to discuss my loan.

Phh should not be allowing anyone to do anything to refinance my debt because it has already been discharged in a prior XXXX in XX/XX/2016. 

2. Phh refuses to speak to.me regarding my OWN debt. They say there is an attorney by a unauthorized 3rd party shanae young. They told me to.send writing letter stating I am not represented by an attorney. I have done so and when I call customer service they still refuse to speak with me stating an attorney is involved and I explain it is not my attorney and this is my debt. I did not have this problem with prior mortgage company ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Lending Club Corp
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Home Update Loan taken out with Lending Club in XX/XX/XXXX, monthly payments auto-deducted from bank account on XXXX of each month until paid in full on XX/XX/XXXX with proceeds from sale of home - made final payment by phone thru company representative. 

Upon receiving a payment on XX/XX/XXXX, I immediately responded by email to bring the error to their attention and provided my contact information should they require more information. I've made multiple attempts to connect with them by phone and sent several emails explaining the situation, only one of which received a viable response - in response to my XX/XX/XXXX email, I received an email stating they were reviewing the situation and would respond in 3-5 business days ; there's been no follow-up response to this. 

Today XX/XX/XXXX, I received a credit monitor alert that Lending Club has reported my account delinquent. 

My complaint is that this company has terrible customer service and is unnecessarily challenging to communicate with. 

Attempts to contact : XX/XX/XXXX : attempted to contact by phone 2x, was disconnected each time. 
XX/XX/XXXX : attempted to contact by phone, waited on hold for 135-minutes only to be disconnected. 
emails received : Payment Reminders XX/XX/XXXX, XXXX, XX/XX/XXXX ; Payment Solicitations XX/XX/XXXX, XX/XX/XXXX, XXXX ; Loan being reviewed XX/XX/XXXX ; and, auto-responses to each email sent. 
emails sent : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
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 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 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 an 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 items 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 a reasonable cost to believe that this information is an inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been denied by over 160 rental applications. Experian, XXXX and XXXX  are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX University and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.

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 2021-05-01
Company: EQUIFAX, INC.
State: OH
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX in the form of a Notice for Execution Against Wages. 

The original creditor is XXXX XXXX XXXX. The NJ Docket number is XXXX This was originally opened in XXXX and is well beyond the NJ statute of limitations for credit card debt. 

Furthermore, I don't work for the company noted in the letter. The company to whom they are attempting to go after wages. 

I searched the docket number on ACMS Public Access website and there is NO current activity on this docket number. Also, there is no official court representatives signature on this document either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Opportunity Financial, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I re-financed my original loan with the understanding that it would lower the interest rate. Instead I was given another loan with even higher interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am attempting loan modification on property located at XXXX XXXX XXXX XXXX, MA XXXX. First issue is : 1 ) mortgager service is attempting to collect a debt while in bankruptcy and while in review for loan modification ( dual tracking ) -- Second Issue 2 ) But more significantly, their attempts to collect arrears are based on a monthly mortgage payment which does not compute to the terms of the loan origination. The note and mortgage originated in XX/XX/XXXX at 7.375 % over 30 years. Presently the terms being enforced are 5.25 % with the entire balance due.. No prior modifications on this loan have been received. I have attempted to fix this problem with them before but to no avail. They servicing of this mortgage and their subsequent transfers have resulted in them either losing the original terms of mortgage or the investor has tried to take advantage of the mortgagor/debtor by tweaking the terms of payment in order to foreclose. Historically i paid on this mortgage in accelerated fashion between XX/XX/XXXX andXX/XX/XXXX on the order of {$110000.00} -- none of these payments were properly applied. I was only 2 months behind when i filed in XX/XX/XXXX. My payment then was about {$1700.00} a month PITI.  Now my payment is {$2500.00}. I called them and they explained that my loan matured in XX/XX/XXXXand that they could not explain the math. I explained that my accelerated payments to them while in active Chapter XXXX should be applied retroactively on the same terms of origination and amortization as that provided in XX/XX/XXXX when i took the loan out. They seemed confused. I sent Mr. Cooper ( formerly Nationstar then formerly XXXX  XXXX then formerly Aurora loan Services ) Proof of the voluntary dismissal of my bankruptcy. They agreed that the terms now being enforced are erroneous but have made no efforts to fix it. I will send a copy of the letter ( formal dispute ) i recently sent Mr. Cooper Loan # XXXX including disbursements and orders of the trustee in bk under my original case XXXX. Mortgagor has provided a complete loan modification packet to Mr. Cooper and is in underwriting but without CFPB involvement concern is that Mr. Cooper will miscalculate debt owed resulting in more troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 all my credit cards issued by Capital One were closed without any notice. A week later, I received letters saying " Capital One has observed activity on a pst or present Capital One account that is not consistent with the bank 's expectations for account activity. Unfortunately, it can't be reopened, and we are not able to offer additional information about this decision. '' I called Capital One asking for the exact reason. But Capital One refused to tell me. I recalled thoroughly all my card activities. The only possible reason I can recall is beside using the cards for purchase, I also did some balance transfers. Capital One credit cards do not charge balance transfer fee and if the balance on the statement is paid in full before the due date, there is no interest either. This is why I made balance transfers from other banks ' credit cards to my Capital One credit cards. This way I can have some more days to pay my credit card balance. I saw about this balance transfer feature of Capital One credit cards a few months ago online and till now many others ' Capital One credit cards are not closed. If Capital One do not like this activity, why Capital One approved the balance transfer request at the first place? If Capital One do not like this activity, why Capital One make this balance transfer feature available? You make out the rules and people behave according to your rules. You are the rule-maker, you can change the rule if you do not like it. But you can not suddenly arrest people saying that you do not like their activities. You are the rule maker, you can change the rule if you do not like it. It is not right to suddenly close all my cards without any warning first. I am always taking good care of all my credit cards and my credit history. The closure of all my Capital One credit cards hurt a lot on my credit history. The Capital One Quick Silver card is the first credit card that I have. Please reopen my cards. Thanks.

Company response to consumer: Closed with explanation