BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: CITY NATIONAL BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
This is my 4th compliant to CNB regarding my gift card order. Please reference my previous compliant ID XXXX, XXXX, and XXXX. 

In CNB 's responded letter date on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all those letters did not provide the evidence that I received the gift cards, and didnt provide the full gift card numbers. 

I didn't receive the gift card that ordered from CNB until today.

From the gift card transitions records, it is obvious that both gift cards were not delivered to me.

Please CNB answer the following questions : Did CNB provide the shipping tracking number?

Can CNB provide the my signature for the package delivered?

Can CNB provide the evidence that I received the gift cards?

Did CNB provide the gift card full number to me?

Did CNB provide the protection for the gift card activate?

Can you report your gift card lost or stolen just using last 4 digits gift card numbers?

CNB has to be responsible for the gift card lost or stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There has been a bankruptcy on my credit report for two years. I have disputed it with the credit bureaus who advised me they received the information from XXXX XXXX. I then, disputed it with XXXX XXXX, who could not verify the bankruptcy and sent me a letter stating the removed it. I then sent the XXXX XXXX letter to the 3 credit bureaus and in return, only XXXX removed the bankruptcy from my credit report.

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 2018-02-28
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/XXXX, Trinity Financial Svcs LLC, a foreign company registered in XX/XX/XXXX, is acting as the Trustee for XXXX XXXX XXXX XXXX, a company that was taken over by XXXX. This was part of the XXXX XXXX XXXX award in XXXX. The DOJ XXXX XXXX and other banks. There was a 2nd mortgage that should have been extinguished through the modification process award from the judgment and settlement. 
XXXX XXXX XXXX  did not complete the process. They needed to release the lien through the modification that was approved on the first trust deed. The first and the second trust deed were from the same investor. It was a package deal to purchase the property. 
When the XXXX XXXX XXXX was award, the loss mitigation department from XXXX needed to correct and fix the mortgages if the consumer qualified. After applying, XXXX approved the modification as the property was approved to be included as part of the compensation awarded. When I got notified that everything was completed and I didn't need to worry on the 2nd because it was included in the Chapter 7 bankruptcy and it was settled, it didn't occurred to me to follow up on everything to make sure there was no mistakes on the modification. My Trust was in XXXX to get the job done. There was a special circumstances under the XXXX XXXX XXXX from XXXX to extinguish these 2nd mortgages. If the consumer filed a chapter 7 or chapter 13 Bankruptcy the lien was to be extinguished. It was a special program to assist the homeowner and fix the mortgages. When my modification was done, they said I didn't need to worry about anything and my mortgage was correct and fixed. Well it was not because it open the opportunity for a company like Trinity Financial to try and collect money they are not entitle too. They are trying to foreclosure on my property that was declared as a qualifying property under the XXXX XXXX XXXX. They are collecting on a debt that they are not entitle to do so. The Assignment of deeds might be a fraud document that was generated under false circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters out over 60 days ago and still haven't gotten a response from anyone. These clowns have been past there 30-45 day timeframe. I feel like they are ignoring my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I attempted to contact the school numerous times and have submitted all of the accompanying documents to both the school and collection agency. This is being fraudulently reported as a debt owed. The school owes me a refund per Texas TDLR guidelines and is stated in their student handbook. I never entered into a payment plan with the school, was never notified by either them or the collection agency about the debt, despite multiple attempts neither of the 2 can provide a statement of what these charges are and their dates. I never received 90 % of the the course materials I paid for from them and when notified/requesting them sever times, I was dropped from the program and ignored.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for & requested forbearance related to Covid-19. In XX/XX/2020 I requested an extension due to unemployment related to the COVID-19 pandemic. Rushmore states they offer forbearance in 90 day increments & that it is possible to request additional 90 days and that I would be contacted within 10 days regarding the matter. However, what I received next was a certified letter stating my home was in foreclosure with a sale date already set for XX/XX/2020. Thats one of my complaints. The other is my home was in foreclosure with a sale date of XX/XX/2020. But Rushmore cancelled/ withdrew that foreclosure/sale date then the pandemic hit & as I previously said I feel they put it into foreclosure wrongfully due to Cares Act and their forbearance policy related to Covid 19. But I also feel it was wrongfully put into foreclosure because they withdrew the foreclosure in XX/XX/2020 and I live in the state of Ga and according to XXXX. XXXX Ga code XXXX. XXXX the withdrawal should have reinstated the indebtedness on the terms & conditions existing prior to the acceleration and furthermore if they were to choose to foreclose at a later time there were certain rules they should have followed, certain notices I should have received & if I applied for forbearance I did not violate the contract or miss 120 days of payments which by law is the amount a mortgagor must be behind on before foreclosure process can begin. Thank you for your time and attention to this unjust matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I, with the help of a local law firm, submitted an application in XX/XX/2019 to Ocwen Mortgage Company, for a short sale of our home. We included all required documentation including a fully ratified contract from a prospective buyer of the home. Ocwen wasted time and did not process our application in a timely manner. Then we received a letter in XX/XX/2019 that Ocwen had joined forces with PHH Mortgage services and PHH had become the new servicer for this account. The prospective buyer dropped out after waiting 3 months for an approval which never came. We updated and resubmitted all documentation to PHH, which we did in a timely manner in XX/XX/2019, along with a ratified contract with a new prospective buyer. On XX/XX/19 we received a letter from Ocwen / PHH saying "Thanks for submitting the request for mortgage assistance. We have reviewed the application and documents submitted. The application is currently COMPLETE as of XX/XX/19 and we do not require any additional documents at this time to evaluate the request for help..."Since late XX/XX/2019, both I and my representative from a local law firm have repeatedly called, have been put on lengthy holds, and have been transferred from person to person, only to find that NOONE HAS REVIEWED OUR APPLICATION AND SUPPORTING DOCUMENTATION.  We are very concerned that this prospective buyer will drop out like the last one did due to lack of progress, and that this home will go into foreclosure. All of this could be avoided if PHH's Short Sale Dept. would only review and approve our thorough short sale application and supporting documentation. Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
SYNCBWALGREENS 12/06/2022
REGIONAL ACCEPTANCE 08/24/2022
CONSUMER PORTFOLIO SERVI 08/24/2022
CAPITAL ONE AUTO FINANCE 08/20/2022
TOYOTA SCION OF TAMPA via NCCTOYOTA SCION TAMPA B 03/05/2023
CB INDIGO 02/09/2022
ONEMAIN FINANCIAL 02/05/2022
SYNCBMAZON 12/13/2021

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 2020-10-29
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management has sent me a " Final Notice '' stating I have to pay the full amount of {$610.00} by XX/XX/2020 by logging in to an account on their website at Midland Credit.com. I have never set up an account with them online. Also, after looking over reviews for this company, it is clear they have scammed many people in the past. In this notice, they state they can have a lien placed on my property, garnish my wages and accounts, and obtain information about my assets by the use of a notice request, deposition, or subpoena to appear in court. They claim they have an attorney review planned in my state of GA and I am responsible for court costs and post judgment interest charges. I know nothing of this company and do not trust anything they state because numerous complaints and scam alerts have been posted regarding their authenticity and policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX  – partial account number XXXX****.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  XXXX has removed this from my credit report however, XXXX and Transunion have not.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX account with TransUnion is inaccurate on my report. I've never rented an apartment at XXXX XXXX XXXX due to me stationed at XXXX XXXXXXXX XXXX XXXX at the time of incident. This account is inaccurate and should not be on my report, please remove immediately! 

XXXX XXXX account with TransUnion is inaccurate on my report. I've never had a credit card account with XXXX XXXX and never opened an account with them on XX/XX/. This account is inaccurate and should not be on my report, please remove immediately! 

XXXX XXXX account with XXXX is inaccurate on my report. I've never had a credit card account with XXXX XXXX and never opened an account with them on XX/XX/. This account is inaccurate and should not be on my report, please remove 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 non-monetary relief
Consumer complaint received 2021-05-26
Company: World Acceptance Corporation
State: AL
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:
Hi. This dispute is in response to XXXX XXXX XXXX 
I have a fraudulent account on my credit report that's reporting, and the 3 bureaus wont remove it. I have disputed this account over 5 times with each bureau. The account was opened in XX/XX/2018 around the same time I lost my wallet. I have contacted the creditor also. And they won't delete it. Why am I being punished for a charge off account that I never had? I even sent a police report to the 3 bureaus letting them know I lost my wallet and had a fraudulent account on my credit report. I am suffering during these times because of that unknown charge off account. It's hurting my ability to purchase a home. I have never defaulted on anything. I have perfect payment history. No collections. Why would I default on a XXXX dollar loan? This just doesn't make sense to me. I refuse to pay for something that isn't mine. I need this removed. 

XXXX  World Finance Co  # XXXX. XXXX # XXXX. DATE XX/XX/18. BAL {$310.00} XXXX WFC. Acc # XXXX DATE XX/XX/18. BAL {$310.00} XXXX World Finance Co. Acc # XXXX DATE XX/XX/18. BAL {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: CO
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 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 also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: COMMERCE BANK
State: KS
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 customer service

Complaint:
This bank Commerce Bank. Card has not credited my acct of {$380.00} sent to them on XXXX XXXX XXXX fromXXXX XXXX. This was sent as a credit. To my creditcard. I asked XXXX to send s check to home address bit they failed to comply. Aftrr numerous calls to customer service. And spending hours on phone this has not been taken care of. Sent letter to both parties XX/XX/XXXX? I have been a customer with bank since XXXX but. Certainly have not had any respect. XXXX XXXX XXXX XXXX XXXX XXXX ks XXXX cell XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
To whom it XXXX concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. " The below- noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX Equifax This letter is XXXX formal request to delete the inquiries listed here from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history! With that being said, the inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ). These need to be removed immediately!

Appreciatively, The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party XXXX be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Took out Loan with Bank of America on XX/XX/2007 for XXXX some how XXXX XXXX XXXX XXXX XXXX XXXX purchased my home for XXXX and they are trying to foreclose on my home.

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 2020-10-29
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report today, XX/XX/XXXX, and noticed there was a recent derogatory account listed as of XX/XX/XXXX. The account was listed as being from XXXX XXXX XXXX XXXX I called Consumer Adjustment Company Inc ( CACI ) today, XX/XX/XXXX to inquire as this is an invalid debt that I disputed in the past. It was deleted in the past due to inaccuracies. When I spoke to the first representative he told me that the dates of service were : XX/XX/XXXX and XX/XX/XXXX. I called the hospital in question, XXXX XXXX XXXX XXXX in Texas and I also contacted XXXX XXXX XXXX XXXX XXXX, both of whom advised they do not have any debts for the dates provided and furthermore they do not work with CACI. I called CACI again and this time spoke to XXXX ( They do not provide last names ). I advised him that the debts are not legitimate and I want to dispute them. He refused to give me information until I asked repeatedly. He then gave me the address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX to mail a dispute. He at first told me I would receive a letter. This was put on my credit report without cause and is hurting my ability to secure a mortgage. I am currently in the process of purchasing a home and this phantom account is hurting us tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: AES/PHEAA
State: PA
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:
In a response to a CFPB complaint, I received the following response on XX/XX/18 ; ... your request to exit IBR has been cancelled and reversal of interest capitalization is in process. Also, you have been approved for renewal of IBR effective with the XX/XX/2018. 

After a period of waiting for the reversal of interest, I emailed the company on XX/XX/18. Ten days later, on XX/XX/18, I was told the following : Unfortunately we are unable to uncapitalize the interest since this application was processed as per your request.

Company response to consumer: Closed with explanation