BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX in the aftermath of Hurricane Irma, XXXX XXXX offered six month payment forbearance to residents in Florida impacted by the catastrophe. We accepted, received the agreement to begin payments in XX/XX/XXXX. We continued to receive late notices and additional late fee statements, called in and spoke with the individual with whom we had originally discussed the agreements and were told to ignore these as they would be updated after the end of the agreement term. We also exchanged several emails in this regard. In early XX/XX/XXXX I phoned her again to see how we should begin making the payments as we were told not to send them in the advice envelopes, and was told they were not ready yet to receive these payments, that we should not send until XX/XX/XXXX. They had not been prepared for the volume. So in Mid XX/XX/XXXX, we mailed the XX/XX/XXXX payment to the address we were given via email from XXXX XXXX at XXXX Mitigation. We continued to receive late notices with an amount past due in excess of {$19000.00}. The check for XX/XX/XXXX and XX/XX/XXXX cleared our bank account, and around XX/XX/XXXX, we started receiving calls as to why we had not made the payments. Ultimately, the caller had to admit they did have the payments an apologized for the two calls ( latest was Thursday, XX/XX/XXXX ). In addition, an appraiser showed up at our home unannounced to 'check things out ', which was a total shock. Now, XXXX has reported 120 day past due to all the credit reporting agencies for both me and my wife. Our credit rating has been stellar and this is not only embarrassing, but it has caused us to have to hire legal help to get it resolved with XX/XX/XXXX. They have handled this so poorly from the very beginning, and now they are harassing us mercilessly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: ARC Management Group, LLC
State: NV
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:
Back on XX/XX/2020 I spoke with an XXXX at company. I explained this bill wasnt mine. I feel it was very misleading. I never received a letter from the third party previous to this bill being placed on my bureaus. Per FCPA law youre supposed to receive communication in writing prior to a third party placing a debt on bureaus. I never received any documentation therefore I didnt know what this was for. She advised me that they were taking this off my bureaus also sending out a validation letter. Ive also been adversely effected by covid due to my hours being cut. And my spouse loosing his job. I have XXXX as well as Medicaid. So I had to do some investigation on this amount. Supposedly its from a few years ago when my son went to an emergency room. Its a separate bill from Dr not facility. Again misleading but during that time we didnt have Medicaid. So I called back and made payment for this account. Please remove ASAP. See screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified mail letter to XXXX  Credit Bureau on XX/XX/XXXX to validate the account that was opened on XX/XX/XXXX with the amount of {$160.00} they are reporting on my credit report. XXXX  responded saying they would contact the creditor about the item I disputed and have results back in required time if not they will update and delete information. They have failed to send any validate information or delete from my credit report but they are still updating the status of the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Pursuant to my consumer rights under FCRA 1592 ( g ) I am the original creditor. As the original creditor I do not validate this debt and it should be removed. The law also states that accounts are voluntarily reported. There is no law that states that a account has to be reported. It is always up to the company 's discretion to remove it. This account is not valid and should be removed from my credit files. Wells Fargo is in violation of my consumer rights by failing to provide original debt validation documents as requested and failing to remove this account. PLEASE STOP SENDING COPIES OF CONTRACT, COPY OF A ONLINE APPLICATION AND COPIES OF DATABASE TRANSACTIONS as that is not valid verification under the law. As I am the original creditor I am demanding for this account to be removed 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 explanation
Consumer complaint received 2020-05-11
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2020 Wells Fargo ( WF ) transfered {$1000.00} from my checking account to my WF Credit Card without my written consent and they identified it was a problem and returned {$1000.00} back XX/XX/2020 to checkeing account but my FICO score decreased due to their error XX/XX/2020 ( according to email from XXXX ) and Wells Fargo FICO Score, XX/XX/2020 report ). I spoke with customer care department to complain when I first noticed their mistake but they're making these mistakes because their refusing to comply with American Disabilties Act ( ADA ) reasonable accommodations and their not giving any written text, email, or during phone conversation before they transfer any monies to wrong accounts so we customers can " VERIFY '' if the information is correct before they transfer monies. They did open a customer care ticket # XXXX but they closed complaint XX/XX/2020 when they called me but couldn't speak with there Executive Offices because I was talking with medical doctor. Today XX/XX/2020 I requested to speak with WF Executive Offices but instead told me they needed to open a new ticket but it seems they're giving customers " run around '' and changing parties to confuse, re-introduce complaint when they have previous information is " recorded and monitored, '' but feel they're concealing errors and request CFPB to monitor patterns and trends at WF.

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 2018-06-19
Company: Equitable Acceptance Corp
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2017 I wanted to switch my loans out of XXXX. I contact Equitable Acceptance. They informed me, wrongly, that they would be my acting servicer and I would pay my loans directly through them ; I was also told this would only be a contract for 24 months. My total amount was {$1400.00}. 
I quickly learned, after signing, that they were not my carrier and they actually got XXXX XXXX as my servicer. I am now responsible for paying Equitable Acceptance about $ 45/monthly and have a hefty 17.99 % annual interest rate to go along with it. The contract was not as stated, as it was 48 total months not 24, and as mentioned before, they were not the carrier as stated to me over the phone. 
I am basically paying them for a free service. Furthermore, I believe they broke their contract last month, XX/XX/XXXX, because the one thing I pay them to do ( submit my IDR contract in on time ) was late. They did not hold up their end of the bargain, as I had to then put my loans on forebearance because my payments significantly increased due to Equitable Acceptance not getting my forms in on time. It also disrupted my 120 consecutive payments necessary for loan forgiveness. 
Please help me get out of this contract with these individuals who deceived me and have not held up their end of the contract. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: CA
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 was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove the following accounts which were opened by fraud as per FCRA Section 605B ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: KEYCORP
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a KeyBank XXXX unsolicited. This is a known scam in West Virginia. I have not activated card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had some issues with identity theft and I sent the information to Experian and the account is still on my report, which is killing my credit score.

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 2020-10-13
Company: SYNCHRONY FINANCIAL
State: MA
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-11-12
Company: CITIBANK, N.A.
State: GA
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:
at XXXXXXXX XXXX. Sunday, XX/XX/XXXX I missed a call from an unfamiliar phone number that left a message for me. The call came from ( XXXX ) XXXX, claiming to be with Citibank. I do have a Citi card. When I called back they asked for the last 4 digits of my cc, which I did not have. In lieu of having the cc number it asked for my social security number. I started entering the number, then felt uneasy and hung up. Their message was thanking me for being a part of the Citibank family and asking to log into their website to review my account status, or call them at ( XXXX ) XXXX. I logged into my Citi account and their were no messages there. I called Citi myself today, at ( XXXX ) XXXX, which is the number posted on their website. The CSR told me that they had no record of any call, and the only time they'd call would be to discuss a late payment. The account is always paid on time. I tried the ( XXXX ) XXXX number today, and again it asks for either the last 4 digits of my account number or my ss #. However, I kept dialing " 0 '', and got a CSR -- but the background  noise/call quality sounded suspicious. I have googled both of these numbers today and seen different posts of it being a scam. Thanks in advance for your help. 
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 2018-08-17
Company: F.H. Cann & Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018 at XXXX XXXX FH Cann Associates called me at my place of employment without permission to contact me there. The number is not public information and I have only had a direct line at my desk for a couple of weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my last and final XXXX 's bill, XXXX 's charged me a late fee and interest in the amount of {$34.00} for allegedly failing to pay my bill by the XX/XX/2018 payment due date. These are fraudulent charges by XXXX 's because the full payment ( {$390.00} ) was sent in a timely manner via U.S. Mail from XXXX MN, however, the payment was not processed by XXXX until after the payment due date. I requested that the error be corrected on a XX/XX/2018 phone call to XXXX 's, but XXXX 's declined to correct their mistake. The delayed payment processing times and poor customer service are a result of XXXX 's bankruptcy and liquidation. 

This bill was absolutely paid in full and on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04
Company: CITIBANK, N.A.
State: CA
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 rewards from credit card

Complaint:
On XX/XX/2019, I submitted a price match through Citibanks Price Rewind program for the XXXX XXXX XXXX cellular phone purchased on XXXX XXXX   website ( XXXX  ) using my Citibank credit card. The price was listed at {$890.00} as reflected in my invoice. I also participated in XXXX Trade In Phone Program that will provide up to {$200.00} in credits if they decide to accept the trade in after receiving the old phone. The total purchase price with the trade in is {$770.00} ( including taxes ).

I have a temporary {$200.00} credit until the manufacturer makes a determination on the phone ( assess condition, operability, backlisted etc. ). I then proceeded to submit a price match request using a lower amount I found on XXXX ( XXXX ) for {$630.00}. The total price difference is {$890.00} XXXX is {$260.00}. Per Citibanks terms and conditions : Maximum Benefit per item The lesser of the following : {$200.00} The amount charged to the Citi card I understand that the maximum benefit I would receive is {$200.00}. However, on XX/XX/2019, I received notification that I would be reimbursed for only {$60.00} instead of {$200.00}. Citibank instead factored in my trade in price instead of the full amount. The terms and conditions do not indicate a price match of an after-trade in price to a competitors price. On the same day I received this notice, I called Citibank to resolve this issue by asking where in their terms it indicated an after trade in price will be factored in the price match? They were unable to locate such terms ( https : //www.citipricerewind.com/guide ). After being put on hold for extended periods of time, the Citibank Rewards Program representative finally responded by refusing to honor the terms of their price match program.

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 2018-08-17
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: Account status incorrect

Complaint:
I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and XXXX to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. XXXX even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Army and Air Force Exchange Service
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: Account status incorrect

Complaint:
I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and AAFES to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. AAFES even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I've contacted Transunion multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request.

In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX Delete Late Payment 3. XXXX Original creditor : XXXX XXXX XXXX 4. XXXX XXXX creditor : XXXX XXXX These accounts are individual actions, they must be 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 explanation
Consumer complaint received 2019-05-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX XXXX XXXX takes over my mortgage from XXXX on XX/XX/XXXX after 5 years with XXXX and zero issues. 

XX/XX/XXXX my homeowners insurance was to be paid by the Mortgage company ( XXXX XXXX XXXX  ) the money was in my escrow account {$1500.00} i was notified that my insurance was not paid because of an issue with my address. I checked my escrow account and it showed the {$1500.00} was in fact deducted from the account. 

I went to my insurance agent and they in fact have never received the payment, so i paid the insurance out of my pocket and had them fax the insurance documents to Rushmore.

again i am notified that i have no insurance and Rushmore is getting an outside insurance to add to my house. again i call and have my agent fax the documents to Rushmore.

I call and talk to Rushmore and they say that it isn't their fault that the insurance was not paid, so i ask where the {$1500.00} is from my escrow account with nothing but run around from them. i tell them have the statement where the money was withdrawn from escrow and it was never paid. it still does nothing to help my case.

I pay a lawyer to advise me, and he tells me to send the documents return receipt requested. and i in fact do send them the insurance documents on XX/XX/XXXX and i then get the return receipt back that they signed XX/XX/XXXX, and still they add insurance at {$41.00} a month. and Rushmore still says that it was added because i let the insurance expire? 

They are charging me {$310.00} a month to my escrow account and the only things they pay are {$41.00} for their added insurance, {$50.00} for taxes and {$92.00} for PMI. which i asked them to drop because i have kept up my payments for 6 years, and they replied no because i had let my insurance expire. which was actually them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX   years of life. Credit lenders if you can not treat me the way you might a XXXX  with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust you!

Company response to consumer: Closed with explanation