BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please note that in XX/XX/2020 our lender RUSHMORE allowed us to make us of their mortgage deferral payment for covid pandemic taking place. we were told we could defer our mtg payments and the missed payments would be added on to the end of our loan.

However two weeks ago we received a letter from Rushmore that we were going to be in foreclosure as of XX/XX/2020 if we did not make all the missed payments. 
We contacted our lender rushmore and we were told we must do a loan modification. we want to keep our loan. however we did not want to do the modification. we wanted to do the payment deferral that was offered to us in the attached documents. we do not want to lose our home. please advise us what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Colony Brands, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX - is not showing an account number plus it has already been paid of and closed i need to know why it is reporting derogatory on my credit report. 

Swiss Colony- is also not showing the correct information as well. it has been paid off and closed for years. Plus it doesn't show any account number on my credit report and is also showing a s a derogatory mark on all 3 credit reports. 


Ginny is another company on the same path as the other 2. It has affected my credit in a negative way and I would like all 3 removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: FL
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 have made several requests via phone and mail to access my report online with Experian. Attached is my social security card, drivers license, and bank statement with proof of my address. 

I can not access my report online and no creditors can access/pull my credit report for potential 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 2020-07-03
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX asked me to push XXXX transactions mentioning its just a temporary hold and the transaction will disappear from statement within 3-5 months. 

It never did and that man stole {$1600.00} from my account. Followed up back on cell phone XXXX XXXX XXXX XXXX says the bank can chargeback and claims that their employee have stole consumer information to further steal money from various people. 

I have opened several cases with Citibank to chargeback but no updates when called, no one chats online, no one gives correct information on call, usually they say they escalated but no response, case is closed usually before receiving the required documents supporting my case. 

Citibank is not giving the investigation papers used in investigation.

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 2018-05-04
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a new home equity loan with my bank Chase. I make mid 6 figures of income, have absolutely perfect credit, I have my first mortgage paid off, 800 + FICO score, no credit card debt and currently over {$100000.00} in my various checking accounts at Chase. In my humble opinion, an excellent credit profile. Chase told me I was approved for a {$100000.00} home equity line of credit. Then they call me yesterday and wanted to know why I wrote a check to the XXXX XXXX XXXX for a little over {$20000.00}. They have no right to go into my checking account and look at my cancelled checks. They violated my privacy and my constitutional rights. By the way the check is for a family vacation rental this summer. I am filing a complaint that my privacy rights and constitutional rights have been violated by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2018-05-04
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX XXXX On XX/XX/XXXX, I submitted an application for income based payment. I went to studentloans.gov and granted access to a joint tax return with myself and my wife showing both of our income. On XX/XX/XXXX, I received a notice from Nelnet stating that my application was incomplete and that I need to submit proof of income. I responded with a copy of my Paycheck stub immediately. I then received on XX/XX/XXXX with a duplicate email requesting proof of my income. I went back to my email and submitted the same attachment showing my income. On XX/XX/XXXX I received another duplicate email requesting a copy of my income. On XX/XX/XXXX, I contacted Nelnet via phone. I was told that it was not MY income that they needed, rather a copy of my spouse 's XXXX. On XX/XX/XXXX, I received a letter stating that {$3700.00} was being added to my principal balance and that my payment would increase from {$280.00} to {$1000.00}. I am frustrated that the correspondence with Nelnet was vague and their communication with customer service did not specify that the income I needed to submit was for my spouse, not my own. I have asked Nelnet to reverse this capital interest penalty and calculate my payment appropriately and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To whom it may concern : On XX/XX/2020, I completely paid off XXXX   XXXX XXXX credit card account through an online payment, called in confirmed with agent of XXXX XXXX XXXX that entire balance was paid off. XXXX  XXXX XXXX then cut my credit line after paying off entire amount, and did not sight any reasons. All payment histories were on time prior to pay off. In addition, after paying off the entire balance, and closing my account they have now billed me for interest and sent me to collections which appears on my credit report. This is pure negligence and improper by XXXX  XXXX XXXX, I called and verified online that the entire bill was paid, XXXX  XXXX XXXX closed my account, and now has sent me to collections which appears on my credit report, there was no reasonable way of knowing of this interest as XXXX XXXX XXXX confirmed account was paid. 

Sincerely, 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 2018-07-07
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged a {$35.00} fee for a {$6.00} charge that should not have went through. This is ridiculous. TD Bank should not charge a fee for this ridiculously small charge. This charge was only XXXX!!! If the charge is under {$10.00} there should not be a fee. Period. Under $ XXXX-no fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Lost my job coming out of college in 2012, so obviously couldn't make many payments on my already predatory loans ( 15.25 %, 11.5 %, 7.25 % ). Asked Sallie Mae if I could refinance or lower monthly payments, they declined abruptly. Said I could go into forbearance to stop payments altogether, but interest would continue to grow. At those interest rates, non-payments would increase the amount of time I would have to make payments significantly.

I entered Forbearance and continues to make as much repayment as I could, but eventually had to go to XXXX  and utilize some of my parents ' assets in order to get a lump sum loan in order to pay off these higher interest loans ( at this point, they were around $ 30k at 15 % when the initial loan amount was somewhere around $ 10k-12K ).

If it weren't for my parents to put assets up for me to get a loan, I would be drowning in student loan debt right now. Not everyone is as lucky as I am, and it saddens me to see a promise of a better life via education be taken advantage of by these greedy companies who pose as someone out there to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: 1st Franklin Financial Corporation
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Franklin Financial Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit  reporting bureaus.

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 2020-05-29
Company: CITIBANK, N.A.
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:
Hi, I have filed a dispute for a charge on my statement in the amount of {$930.00} on XX/XX/2020 for a merchant who is not responding. 

I have called Citi cards  on probably 15 different occasions with no resolution on the dispute because there is no one available to help. 

I understand the Covid situation but come on. There is a limit to how unresponsive a bank can be. 

Best, 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 2020-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please put this account back on, these were accidentally deleted. 
XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After Before Close XXXX XXXX XXXX Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed/Never late. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$300.00} Credit Limit {$370.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated - - Recent Payment Amount PAYMENT HISTORY 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 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i was contacted with a bank of america number with a name of XXXX # XXXX he was in my account an said your under suspicion of activity if i was sending XXXX $ to a XXXX with a XXXX XXXX account i said no he then told me steps was needed to send the money back to my account. had me go to XXXX add my phone number and amount to my account i noticed it said XXXX an not my name using my same phone number, he then hung up an ive been trying to get my money back from the bank

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 2018-07-14
Company: EQUIFAX, 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:
XXXX XXXX XXXX is an unauthorized Inquiry. Please remove within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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:
XXXX XXXX XXXX ACCOUNT IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE SUBMITTED ALL REQUIRED DOCUMENTS TO PROOF THAT THE ACCOUNT IS NOT MINE. I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED THE FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Back in XXXX I signed a loan modification agreement with XXXX  XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to XXXX. XXXX did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and XXXX reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement. 

I have provided this documentation to XXXX ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.

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 2018-05-04
Company: JPMORGAN CHASE & CO.
State: MO
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:
I had a Chase Freedom Unlimited card that was opened in XX/XX/2016. I noticed the card did not show up in my Chase online portal so I called and tried to find out why. I was told Chase is not able to locate my account in the system and there is no information Chase can provide. I was also told my account was closed due to past due. I have never received communication about Chase would close my account either. 

I was confused because I never received any bills for a long time. I usually check my online account and make payment there but this account does not even show up there. I am a credit worthy consumer and always pay my bill on time. 

The closed card has a lot of cash back on it and now it is forfeited. I request Chase to reimburse those.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've been using care credit card now for well over a year and they say they dont charge you interest on using the card until after a 6 month deferment on using the card for paying for vet care, I've been experiencing them charging me outrageous interest rates that I was understood to be capped by the federal government. I've questioned them over and over and they still continue overcharging me interest, I owe around 6800.00 and by their estimate with interest I'd be paying them well over 20,000. There is something seriously wrong with this company and the interest rates they are charging me, if you all cant fix this and do something about this I will have to file bankruptcy. the last time wasXX/XX/2020 I had two purchases that were ending there promotional phase with no interest, the purchases were over 1000 dollars and they charged me {$610.00} just in interest on this. Please find out what is going on with care credit. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The first XXXX was a negative report.I disputed was untrue report I never had a XXXX $ account never paid on account. it was disputed. settled to delete report .I 've had four more disputes when completed .it was agreed to delete false reports ..the negative reports reappeared. next time I checked .every report that was supposed to be completely. deleted. Also before, I had a opened account with XXXX XXXX.My beacon was XXXX, XXXX, & XXXX. I had four loans in my credit reports. by XXXX  employed person I'was told to dispute the fact they not on credit reports anymore. they were submitted by loan company credit my signature loans thou had been taken out .because of false report sent by bluestem XXXX XXXX. 
I was not lieing at all. Reduced credit the to4.6 the employed person by these two companys are not educated they don't understand how to add interest. late fingerhut is 1day late adds the next months payment. 
the amount of interest is no extra money added to payments scheduled. i payed the false late amount to prove what they are doing to me i paidXXXX $ XXXX XXXX XXXX payment .that amount was supposed to be subtracted from the the remainder payment instead false amount was added three extra interest payments that don't subtract from remainder. If they handled late interest to late payment.it only being interest for the payments being late. The company would not send a credit report to correct the information with report that account had been ( paid and never late ).

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 2019-10-22
Company: EQUIFAX, INC.
State: UT
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:
My spouse and I are applying for a mortgage. The Mortgage Company can not access or soft pull our Equifax credit reports due to this error message, " APPLICANT FILE BLOCKED AT XXXX '' " XXXX. '' I have contacted Equifax and there is no Block or Freeze on either of our accounts. I have a Fraud Alert/Dispute on my XXXX account, but have been told that that should not affect a credit pull. We are not able to move along in the home purchasing process because of this issue and the sellers are annoyed.

Company response to consumer: Closed with explanation