BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
HI, my name is XXXX XXXX and I had my mortgage moved from Rushmore Loan Services to XXXX XXXX  XXXX  in XXXX of this year. Rushmore owed me {$1100.00} for the balance of my escrow. They sent me a check a month later, and it bounced. I have called the company 5 times, send 5 messages on the secure message center ( marked as received and read by the company ) and the issue is not being resolved at all. 
The first two times I called in XXXX the associates told me " check is in the mail '' and the other 3 they tell me they will look into it then no-one gets back to me. Another associate told me they " read '' problem resolved. I finally called again on XXXX and the associate told me she saw nothing on the site and would get back to me in one day ( never did ). This has really been a terrible company to deal with over the last 4 years and I believe they have no intention to pay me what they owe after the check bounced. I don't know what to do. Thank you for your help. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Dovenmuehle Mortgage, Inc.
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted my mortgage company numerous times since my closing date in XXXX. My escrow has been over inflated since the day of closing. I have sent in documentation of tax estimates multiple times and continue to be told they 'lost ' them or can not find them at the time I call to follow up. I have been promised that a new analysis would be done and my overage returned on two separate occasions. Now, my yearly taxes have been paid and there is an over {$4000.00} overage in my account and the bank is refusing to complete an escrow analysis. I have been calling repeatedly about this issue and continue to be promised an escrow analysis will be completed, but one is never done -- or at least I have never received anything in writing. I called again today and they are refusing to honor the previous promises that the analysis would be completed as soon as the taxes are actually paid and insisting on delaying another month into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: NY
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XX/XX/XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XX/XX/XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: WA
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: Investigation took more than 30 days

Complaint:
I called experian to fix some miss information on my credit report missing and wrong information I attached the proof insted of fix problemthey removed my XXXX XXXX  XXXX XXXX from the credit report for fraud I filed a XXXX  xomplant they ignored the CFPB I had copy of all three credit reports experian said they would fix problem they never did comiting credit reporting fraud they removed my Morgage accoumt from all three credit reporting the said they never herd back from XXXX XXXX  XXXX XXXX on a dispute we bad news I never filed a dispute I have a copy of the recording with conversaion with Experian mesaying this is not a dispute this is adding information for payment history formotgage I gave then copy of XXXX XXXX  payment hisfory Experian filed dispute without my permision I have proof and a copy of my Bank contract infor showing Experian refused to take XXXX XXXX  payment reports XXXX XXXX  keeps getting a ellectronic responce saying XXXX XXXX  is a fraud account so cant be prosess for report Experian cerent credit report shows nothing of XXXX XXXX  all this information was sent in to the prosecuting attorny for prosecution for posable demestic terorisem on my credit report throu Experian I am and will file charges no mater the out come

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 2021-10-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, The dispute I have with Experian is pertaining to unfair credit reporting and credit scoring. I been going back and forth with Experian for over 3 months for the following : 1. Not removing Inquiries from my credit on the date of removal stated on my credit report.

2. I paid off all of my credit cards and a vehicle. Experian took 60-90 days to update my report. Before Experian updated my report. I verified with all of my creditors that a XXXX balances was reported to Experian and the other credit reporting agencies. Once Experian updated my credit report my score only moved by 2 points. I called Experian and spoke with a representative about the situation. The Rep from Experian told me that my score only moved up by 2 points because I paid off my debt.

According to Experians website they calculate score based on the following criteria : 1. Payment History - I paid all of my bills on time before paying them off.

2. Length of credit history - All of my accounts are over 2 years old. 

XXXX. Amount Owed - Once my debts were paid off my credit utilization percentage dropped ... Meaning, according to Experian my score should have improved. This is where I believe their is a double standard ... According to Experian a negative Payment history and high utilization percentage lowers a credit score. The Experian rep told me that my score didn't improve because I paid my debts off. By paying my debts off that lowered my utilization percentage which was suppose to improve my credit score according to Experian. In addition, I paid off a vehicle and I have a very good credit history of paying my debts on time. According to Experian, the three above categories ( Amount owed, Length of credit history, and Payment history ) makes up of 80 % of their credit scoring calculation. I performed very well in all three areas and Experian in now saying that hurt my credit more than helping my credit. Their behavior is a clear case of misrepresenting the facts which is a violation of the Fair Credit Reporting Act FCRA. I need your assistance with getting this matter resolved. If you have any questions please contact me at the information below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA. 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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
I called experian to fix some miss information on my credit report missing and wrong information I attached the proof insted of fix problemthey removed my XXXX XXXX  XXXX XXXX from the credit report for fraud I filed a XXXX  xomplant they ignored the CFPB I had copy of all three credit reports XXXX  said they would fix problem they never did comiting credit reporting fraud they removed my Morgage accoumt from all three credit reporting the said they never herd back from XXXX XXXX  XXXX XXXX on a dispute we bad news I never filed a dispute I have a copy of the recording with conversaion with XXXX  mesaying this is not a dispute this is adding information for payment history formotgage I gave then copy of XXXX XXXX  payment hisfory XXXX  filed dispute without my permision I have proof and a copy of my Bank contract infor showing XXXX  refused to take XXXX XXXX  XXXX XXXX XXXX XXXX  keeps getting a ellectronic responce saying XXXX XXXX  is a fraud account so cant be prosess for report XXXX  cerent credit report shows nothing of XXXX XXXX  all this information was sent in to the prosecuting attorny for prosecution for posable demestic terorisem on my credit report throu XXXX  I am and will file charges no mater the out come

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX {$210.00} XXXX XXXX XXXX {$770.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2021-10-22
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened an American Express XXXX Card in XX/XX/2021. At the time, the promotional offer under which I applied was for 100,000 bonus points after {$6000.00} in spending. 

Approximately one week after receiving my card in the mail, I received a promotional flyer for the exact same card from American Express. The card was sent to my permanent address and mailed in my name. However, this promotional offered 150,000 bonus points. Feeling a bit bothered by the second offers terms being so much more lucrative in light of the recency with which I had applied, I called American Express to see if anything could be done. 

During one such call, I was informed by an authorized agent of American Express that if I received this conflicting offer in the mail to my address and in my name within a certain period of days of opening my card ( I think it was 60 days ). In any event, we were agreed that I had meet the terms of the offer. The authorized agent then directed me to a location on American Express ' website where I could upload a document substantiating my claim within a category coded " Better Offer. '' He then advised me that, if all was as I had said, I would in fact be eligible for the better offer terms. He made it clear that he was making this assertion after reading from an internal form providing him with guidance ; he informed me that his form made it clear that he could advise me that I should be eligible of all of my claims could be substantiated. Finally, I was informed that if I did not hear back I should simply call to follow up. 

After having thrice followed up since, each time I have been told that his assertions were incorrect and that I am therefore ineligible. However, I find this resolution to be entirely unacceptable and incompatible with CFPB protections, as well as a litany of Michigan consumer financial protections. In reliance upon American Express ' authorized agent 's assertions, I went on using my new American Express card in order to satisfying the required spending threshold of {$6000.00}. 

Had he made a different representation, I could have at that time attempted to convert my card type and make purchases toward a different card 's bonus offer requirement spending threshold. By now, several months later, I have nearly met that threshold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter to Equifax letting them know that there is an unknown account reporting to my credit without any creditor or collector identifying information. 

There is no name, address, or telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Ive tried retrieving my Equifax report via annual credit report and by calling Equifax they are not able to verify me although the verification questions asked are answered accurately ... .the report is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was trying to purchase concert tickets and was scammed on XXXX by someone that said they would send me the concert tickets after I sent them half of the money ( {$45.00} ) as a safety measure. Once I sent them the money, they blocked me completely and I was unable to communicate with them further. The money transfer was initiated through XXXX which is a service my bank Wells Fargo offers. I have tried to contact my bank as well as XXXX and they stated to me that they filed a claim and I would hear something back within 5-7 days. This was on XXXX the XXXX. It is now XX/XX/XXXX and I tried contacting Wells Fargo with a claim number that I received and had to speak with 8 different departments before I was told nothing further could be done and they did not know what department I needed to speak to. The claim number that was given to me was 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 2020-04-28
Company: Freedom Mortgage Company
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with XXXX XXXX company, XXXX XXXX XXXX, XXXX XXXX, AR ( XXXX ). I got behind and they told me if I paid XXXX I would be caught up. I paid the XXXX and the next month they sold my loan to freedom mortgage. Freedom mortgage ( XXXX ), said that I was behind and owed XXXX. Since I just paid the XXXX thinking i was caught up there is know way I can pay the XXXX. So Ive been paying what they, freedom mortgages says is the minimum payment of XXXX. I've paid that for the last two months ( XXXX and XXXX ). I got a statement that said I had til XX/XX/XXXX to pay XXXX. Today I get a statement that says I owe XXXX dollars. There is absolutely no way I can pay XXXX less known XXXX. They bombard me with mail, before I can reply to one letter I receive another letter/statement. Further more I do not know where they are getting all these amounts, and know one can seem to explain it to me. Everyone has an attitude. They also said even though there is a pandemic and we are in economic crisis 's there is nothing they can do for me because I was already behind on the payments. If I was already behind how do you expect me to catch up? Nobody cares ... ... Any information you can provide will be helpful. Im trying to work with them to save 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 2021-10-22
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : We, XXXX XXXX XXXX and XXXX XXXX are in receipt of your XX/XX/XXXX, Notice of Intent To Foreclose. We are responding according to the instructions on page 7 that read Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. Please accept this letter as our notification that we dispute the validity of this debt. In XX/XX/XXXX, following a suspicious conversation with a Mr. Cooper representative, we contacted Mr. Cooper by email requesting a color copy of the original note and the assigned contract for the subject loan. Mr. Cooper sent a copy of the Note and DOT documents. We then contacted Mr. Cooper by mail in XX/XX/XXXX, requesting a color copy of the original Promissory Note for our property and any transfer documents that you have as proof that Mr. Cooper owns or legally represents the owner of the mortgage or mortgage note for our property at XXXX XXXX XXXX, XXXX XXXX, MD and we receive a copy of a copy instead of a color copy of the original documents as requested. In early XX/XX/XXXX, I attempted to refinance the mortgage with a reputable lender and take advantage of the extremely low fixed mortgage rates. During the application process, the potential lender explained to me that the information I provided in my application was incongruent with their findings. They further explained that Mr. Cooper has a {$0.00} lien on your property, essentially no mortgage. In response to their accusation, I provided them with our mortgage statement from Mr. Cooper to prove I was paying a mortgage to Mr. Cooper for said property. I was unable to proceed with the refinance and the feedback from this reputable lender reinforced our concerns from XXXX about Mr. Cooper having legal rights to our mortgage. 
Further, Mr. Cooper has not reported our timely mortgage payments since they allegedly acquired the mortgage. The credit bureaus also show us as having real-estate mortgage of {$0.00}. 
As stated in my XX/XX/XXXX letter, we have deposited the amount of the mortgage ( principal and interest ), taxes, and insurance into a savings account and monthly provided proof to Mr. Cooper of the monthly {$2500.00} deposit. We are gravely concerned about the authenticity of the documents that Mr. Cooper has provided, that Mr. Cooper is the legal representatives of the owner of our mortgage/mortgage note, and Mr. Cooper is legally authorized to continue collecting money for our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an invoice from a contractor whom I could not meet and who did not accept XXXX and XXXX. I made 2 payments spread over 2 weeks using XXXX XXXX. I was charged XXXX by XXXX for one payment and XXXX for another payment ( totaling around {$220.00} for an invoice for repairs. ) I got my credit card bill and found they charged me {$10.00} for each advance ( as a cash advance fee on top of the money charged by XXXX ) Had it been XXXX, that would not have been the case. 

None of this disclosed during the XXXX checkout process and XXXX XXXX refused to refund the 2 {$10.00} charges

Company response to consumer: Closed with explanation