BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: VERITAS FUNDING, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Veritas Funding ( XXXX XXXX  XXXX ) sent me an official/government-looking letter in the mail insinuating that I have " Adjusted Available Funds '' in the amount of {$3200.00} on my current mortgage with XXXX Loans. This letter reeks of a predatory lender tactic and this company should not be allowed to use this very deceptive tactic to lure unsuspecting customers.

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 2018-01-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX my mortgage was sold to Rushmore Loan Management. Since then I have made payments on XX/XX/XXXX and XX/XX/XXXX, of which, Rushmore states they have not received. I have provided them electronic transfer numbers as well as " Confirmation of Funds Transfer '' letters from my bank ( XXXX XXXX ), on numerous occasions, confirming they have received the funds and when the funds were sent. Rushmore keeps calling stating that they have not received the documentation nor the payments. They also state that if they do not receive a payment from us, we will go into default and will have negative reporting on our credit. 
Rushmore only allows you to fax the proof, and then claims they never receive. Surprised that they do not offer a more 21st century method of providing this information. 
For a servicer as large as Rushmore, they really need a better solution to their accounting of monies received. 
I have never missed or been late on a mortgage payment, and this is extremely frustrating that they can not seem to resolve the problem. It is companies like this that give the mortgage industry a bad reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to health issues stemming from XXXX and confusion regarding our previous mortgage lender changing to another we thought our payments were being automatically being made. This was not the case and we fell behind on our payments. We called and spoke to the company who instructed us to start making payments via mail. We did that and a few months later the checks were returned and our house was put up for auction. 
The XXXX and XXXX led me to have a XXXX XXXX. We seek compensation for Ditech/Greentree for foreclosing on our home despite our compliance with their instructions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
previously, I 've have been trying to make arrangement in paying navient they put my loans in forbearance, after that I would make arrangements to make payments of XXXX for a certain amount of months. I gave them my credit card to take the payments. they would take 1 or 2 payments, Navient would send me paper work to fill out. I would send them the paper work, navient would tell me that I did n't qualify for the payment plans, or they did n't receive the paperwork in time! Navient would not continue to take the payments Navient would tell me to call them back when I have the money to make arrangements for payments. I did n't know what kind of arrangements they were talking about because they would tell me to pay for that payment. then they stopped taking payments. One time I went through the whole months they told me and still. I 'm here trying to solve. to make arrangements for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Experian Information Solutions Inc.
State: MD
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:
There are many mistakes appear in my report without my understanding.

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 2020-02-26
Company: Experian Information Solutions 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 applied for a loan at XXXX XXXX XXXX today XX/XX/20 and I was not approved because there is an account reflecting badly on my credit history. The account is from XXXX XXXX. I am not affiliated with this company and I have never opened an account with them. I have never signed any contract with this company and I did not allow them to run or access my credit information. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report regarding this unauthorized account.

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 2021-12-03
Company: ACIMA CREDIT, LLC
State: NY
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:
This specific account is in fact stated as a charged-off account, you need to identify why exactly there is a balance indicating on the file whether it is a charge-off? The balance is truly wrong, make sure to change it to zero or eliminate the item totally. Make sure you also furnish documentation to substantiate all the charges and credits for this supposed account that led to the extremely high credit figure you have detailed on my file. My request to present these documents is usually a standard information inquiry based on my privileges granted within the fair credit billing act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: NY
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:
Requestor ( myself ) : XXXX XXXX Contact : XXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Action Finance Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
action finance inc . 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX they call me before XXXX at work and we dont open til XXXX so all calls are transferred to my bosses line. they call back to back using different numbers XXXX, XXXX XXXX, XXXX they call 5 times a day to my job and i tell them they cant call me here because i can not receive personal calls and im getting in trouble here at work for them calling. i cant answer my phone until i get on lunch break.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Seterus, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is currently serviced Seterus, which was transferred from XXXX XXXX   on XXXX. On XXXX, I paid {$64000.00} direct to Seterus. This payment should have reduced my balance to around {$8000.00}. Seterus does not show proper application of this payment. Seterus has continued to accrue 6.375 % at the old principal balance, thus driving up the past due amount artificially ( see attached ). The attached statement also shows past due escrow of {$11000.00} and {$3500.00} of extra charges that were accounted for prior to the {$64000.00} payment. The statement also clearly shows an accelerated amount of {$21000.00} that Seterus can't account for. I have requested payment ledgers to prove up the validity of the accounting, which Seterus has failed to provide. Per RESPA and HUD law, Seterus is required to respond the QWR timely. Since Seterus is deemed a debt collector, they are bound by the FDCPA. Per the FDCPA, Seterus is in violation of 15 US Code 1692g. Seterus is required to prove up the validity of the debt before proceeding with foreclosure action. I feel cheated and deceived by Seterus and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage for the month of XXXX. There were issues with paying over the phone. I mailed in my money order XX/XX/XXXX. I still haven't received the money order back. I have never ever been late on any of my mortgages or credit cards. I was excited about Ditech. However, I see I'm overpaying. I have XXXX children at home and a XXXX in the hospital XXXX XXXX XXXX XXXX. This company hasn't even tried to help us lower our mortgage payment. Now they reported we are 30 days late. I strongly believe they reported this late payment to prevent us from refinancing with a new company. My mother and I have never ever missed one payment with any company. My mother had a credit score of XXXX and now it's XXXX. This is such a horrible experience. Even though my money order hasn't been returned. We still paid XXXX mortgage for the second time XX/XX/XXXX. We scheduled another payment for XXXX in hope the money order would return in time. This negative credit report in inaccurate. Also, the company sent us foreclosure documents already instead of asking us what happened. This is very traumatic. Why would we receive foreclosure assistance? Lastly, my kids told me someone from Ditech left a note on the door to call them. This is very invasive. I am very nervous about the mortgage company coming to my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: BANK OF THE WEST
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i mad a debit transaction and a deposit on the same day. the bank debited the account first then applied the deposit the following day, resulting in an overdraft fee, which they refuse to waive. i have an atm receipt that hows the current and available balance being more than the sum of the debits and deposits being more than zero when i made the deposit, implying that funds were available 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 2018-08-28
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am really struggling to pay back any of my student loans. I think when I started they were around XXXX now they are approaching XXXX. I will never be able to pay them back. I was not able to find a high paying job like they promised. I need help eliminating all of my student debt. It is hurting me getting car and house loans. Is there a way you can help me eliminate this debt completely? I am really struggling. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
State: PA
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 have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX  times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, and it is also reporting a credit limit ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be... the reporting on this account is totally inaccurate, not compliant and not reporting factually

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 2017-12-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened my account in XX/XX/XXXXwith an interest rate of 9.24 %. For the past year the interest rate on my account had been modified to 11.24 %. On XX/XX/XXXX I received a notice that my APR will be increased to 15.24 %. 
On XX/XX/XXXX I called Chase customer service, the representative stated due to market, they have decided to increase my rate to reflect the market. 
Please note for the 10 plus years that I am a card member, all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: CITIBANK, N.A.
State: NY
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:
Had a dispute with Sears credit about a delinquent account when I closed the account and had pay off balance months prior. They claimed it was open when, in fact, it was closed. Its the only thing that could affect my score. Since the. My score dropped over 100 points.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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