BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services recently purchased my servicing from XXXX XXXX. My first payment to Rushmore was due XXXX XXXX, 2017. My complaint is in regards to its requirements to establish an online account to manage my account as it requires a FULL social security number with no alternative to establish an online account. My concern is in regards to Rushmore 's apparent lackadaisical handling of my private information, specifically my SSN. It seems ridiculous to require a FULL SSN in this day in age, especially via online. Rushmore 's approach gives me pause as to what other lackadaisical policies it has that jeopardize my private info and whether or not they are meeting the requirements of privacy protection. Furthermore, I never received a Welcome Letter from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a response of a previous issue with a medical debt where I can provide the case # XXXX I did file a care concern, obviously when I called the very rude and not understanding representative on the phone. I did not agree with the bill and if the hospital was able to help me I would have gladly paid it, But in my case, when the hospital or XXXX said there was not much that could be done and used wrong supplies on me. I was mistreated and was in the same exact amount of pain when I left. I was not able to sleep all night from the pain and the next day needed to seek further care and treatment since XXXX was not able to help me. 
I will file a complaint with the physician board, dept of insurance, and any other related dept, that overlooks hospitals if I have to. The XXXX that tried to assist me did not have the proper equipment and if she knew that, then I should have been informed that and would have refused service. Bottom line is that I needed to go out of my way because of the pain and spend more money to ease the pain I was experiencing. I went out and have proof of purchase to a beauty supply store that sells small scissors, the same ones that you would find at a nail salon when cutting your fingernails. I was easily able to cut the finger with the small sharp scissors to the point where it was not bending backwards and causing any pressure anymore. I am submitting the line item from my credit card statement and actual image of the product I purchased the following day. 
You can also see a comparison of the a similar size pair of scissors vs the ones the hospital should have used in my situation. 
Would you cut your own fingernails with the same pair of scissors designed to cut construction paper? I included backup photos of the proof after how it looked when i treated myself after.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
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: Problem with personal statement of dispute

Complaint:
A creditor retaliated after I filed a dispute with all three credit bureaus. On XX/XX/2018 an unauthorized 3rd party accessed by consumer report which which led to a denial based on key factors disclosed on my personal consumer file seen by ChexSystems, Inc. 

I pulled my credit files and discovered another derogatory error for 3rd parties to see updated by Creditor. I was unable to dispute matter. Items reported by XXXX affects my security clearance. My consumer reports has a security freeze and fraud alert. 

Adverse action taken by XXXX XXXX XXXX XXXX XXXX XXXX allege my consumer scoring was pulled by ChexSystems, Inc via email

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 2019-03-14
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I sent Flagstar Bank a completed application for Mortgage assistance. At that time, I was only behind 1 month. I never heard from the company and was not provide with any updates on my request. In XX/XX/XXXX, I called again and was finally advised that my application was cancelled and closed because I was missing information. The agent who advised me of this could not tell me what I was missing but did tell me to reapply, so I did ( dated XX/XX/XXXX ). At this point, the online platform is not allowing me to make any payments. Now, after not hearing anything from the company again, I called for an update and was advised that my loan was in foreclosure status and that i could not be given any information!! They still will not accept ANY payments and completely refused to offer any kind of assistance although I have been trying since XXXX of the previous year. I was provided with a foreclosure attorneys contact- XXXX , XXXX & XXXX , XXXX- ( XXXX ) XXXX. Their online platform no longer allows any access to any documents post XXXX of XXXX. I no longer have access to any records of my document uploads and they are attempting to force me to pay attorney fees to have my loan reinstated!. The last notice that I received from them is dated XX/XX/XXXX with a payment date of XX/XX/XXXX. Nothing prior to that for the current year.

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 2018-07-11
Company: Navient Solutions, LLC.
State: WI
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:
While reviewing my credit report, I noticed there was a student loan listed on my credit report from Navient which was apparently opened in 2007. I attempted to notify them that the account does not belong to me and I have never had a student loan, however they stated that my information was used as a co-signer on a student loan and I am responsible for the debt but would not listen to me that the account does not belong to me. 

I have never attended college so I have never had a student loan, my son was on XXXX years old in 2007 and has never had a student loan, and I never agreed to co-sign on a student loan so I filed a dispute with XXXX  and XXXX. Navient responded to the Disputes by " Certifying the information is correct '' and refused to remove the account from my name. I did not receive any further information regarding how the information was verified or certified by Navient, but XXXX and XXXX recommended filing a complaint if I did not agree with the results of the dispute. 

I feel it is unfair to report a debt against me that I did not authorize or agree to, nor should I be held responsible for a debt that I did not agree to or authorize. If my information was used to obtain a student loan, it was done without my authorization or consent and I should not be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CORELOGIC 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:
I did not authorize XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX  did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my 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 2020-11-16
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is calling trying to collect a debt from my mother-in-law, XXXX XXXX. The first time they called was a couple months ago. I told them she did not live here and to not call again. They said they would remove my number. On XX/XX/2020 they called again. I told them again she did not live here and to not call back. They said they would remove the number. Today, XX/XX/2020, they called again. I did not get the name of the person calling. I again told her she did not live here and to not call again. She started asking me questions I said I would not give her the phone number and that I already asked them to stop calling. She started trying to tell me they had never called before and I told her they had because I have it documented. She would not stop trying to get the phone number from me. She then said well will you give her a message. I said again this is not her phone number and I want you to stop calling me. I even told her she was violating FDCPA twice and that never deterred her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On today XX/XX/2018 approx XXXX central standard time I received a call from a debt collector. I explained driving filing bankruptcy. I attempted to explain can't get attorneys information driving I was unable to pull over he gets angry and hangs up. The call didn't drop he was angry and badgering me for the information. I was trying to advise to call me bk on tomorrow would be happy to get the information. This debt collectors name is XXXX XXXX that called me. So after he hung up I called the Company back and spoke to XXXX XXXX with American Collections he said he was a supervisor I explained to him what had just happened and he said to me we just need your attorneys information?? I said sir you need more than that I was mistreated and you don't have a right to mistreat people. I asked for his senior manager he refused and said this is as far as this is going to? He was bullying me to as if I don't have a right to voice my concerns over this gross misrepresentation!! I advised him of filing a complaint against the company and both of them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'M THE VICTIM OF IDENTITY THEFT. i CONTACTED THE FTC AND FILED A COMPLAINT. I SUBMITTED ALL THE PROPER DOCUMENTS TO THE CREDIT REPORTING AGENCIES, YET THEY REFUSED TO REMOVE THE INACCURATE INFORMATION FROM MY FILES

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 2019-03-14
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage servicer Mr. Cooper sent me this letter stating they were declining my request for mortgage assistance because of excessive obligations. I resent the request for mortgage modification with a letter of explanation for bills on my credit that other family members pay. The other reason they declined the modification request was I didn't accept a modification offer. I have not received a modification offer from my mortgage servicer. I want to pay my mortgage mease y mortgage loan is a FHA loan. and I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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:
XXXX, Experian, and XXXX  are reporting inaccurate information on my credit report. 

They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH 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 2020-11-20
Company: TRUIST FINANCIAL CORPORATION
State: OK
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:
On XX/XX/2020 a hard inquiry was placed on my XX/XX/XXXX credit report. I called XX/XX/XXXX and placed a fraud alert. I called BB & T and spoke to a consumer rep who was unable to help me. They transferred me to another line. They were also not able to help. I did not make this inquiry.

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: REGIONS FINANCIAL CORPORATION
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A wire transfer was sent to an account at Regions Bank and the money was either released to that account or withheld and not returned back to the sender. The bank account name on the wire transfer did not match the name on the account at Regions Bank. Regions Bank is not returning the money and not communicating with the sender or sending financial institution. 

On Tuesday, XX/XX/XXXX at XXXX, I sent a wire transfer for the amount of {$24000.00} to an account under the name of XXXX XXXXXXXX XXXX at Regions Bank . 

On Friday, XX/XX/XXXX, I received a phone call from my bank notifying me that the beneficiary name listed on the wire transfer ( XXXX XXXX XXXX ) did not match with the name of account at Regions Bank. Regions Bank requested me to sign a Hold Harmless form IF the funds were fraud. 

On Friday, XX/XX/XXXX, my bank requested that the money be returned back to me from Regions Bank so that I may re-send wire transfer with the correct information. 

On Monday, XX/XX/XXXX, I was contacted by the recipient of the wire transfer via email that they received the money and withdrew a portion of it to use. Regions Bank did not confirm with me or my bank the correct name on the account receiving the money. 

On XX/XX/XXXX, Regions Bank requested that I sign a Hold Harmless form again although we had requested the money be returned back to me multiple times. 

On Tuesday, XX/XX/XXXX, my bank informed me that Regions Bank had not returned the {$24000.00}. 

On XX/XX/XXXX, Regions Bank requests a Hold Harmless form again from me. 

On XX/XX/XXXX, my bank replies to Regions Bank that the funds are not fraudulent and that I will not sign a Hold Harmless. They also state that the wire should be returned if the information does not match Regions Bank 's records. 

XX/XX/XXXX, the money has still not been returned after multiple requests.

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 2020-01-22
Company: ALLY FINANCIAL 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:
I filed for Chapter XXXX and was Discharged however, my credit score recently dropped due to XXXX XXXX XXXX, Ally Financial, XXXX  XXXX XXXX, XXXX still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a Walmart credit card was opened in my name in XX/XX/XXXX. It was first reported to XXXX in XX/XX/XXXX and has a balance of 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 2020-01-22
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/2019 I started a refinance process with Quicken loans, after going over several loan options we mutually agreed that the company did not have any loan options that made since. However, I was told that I would be released from the loan and as of to date they will not release me from loan so that I continue my search to refinance or will they release my appraisal that I paid for to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed a collection account on my credit report inXX/XX/XXXX that was put on there by PROCOLLECT. They didnt send back enough proof but just a one page printout of a bill I supposedly owed XXXX XXXX. I sent them back a letter asking for the entire bill which they state they didnt get. 
XX/XX/XXXX I Also contacted XXXX at XXXX XXXX to get a copy as I had already spoken to XXXX in XX/XX/XXXX about sending me different bills for the same Account that was closed. 
XX/XX/XXXX In a message I have recorded XXXX Explained to me that since the account is already at PROCOLLECT it will take them at least 48 hours to get the billing history from PROCOLLECT since they werent providing it to me. I could also attempt to get the same from PROCOLLECT. 
XX/XX/XXXX I sent a certified letter to procollect that they still state the didnt receive. USPS tracking number XXXX. 
XX/XX/XXXX. I recieved a call from PROCOLLECT that I have a recording of in which the representative stated 1. Falsely stated that they have never recieved any of the information for requests that I sent. and she wouldnt listen to anything I said.

2. The representative stated that thier client who is XXXX  had not reached out to them.

3. Falsely stated that I refused to pay 4. stated that if I dont pay by the XX/XX/XXXX they'll just re-report it to the credit bureas.

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 2018-02-04
Company: LEXISNEXIS
State: MI
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:
Went to XXXX XXXX XXXX to obtain a loan, and someone else was able to use my social security number. LexisNexis provided information on two individuals with the same social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: SC
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:
The following companies ran unauthorized credit report on me : EQUIFAX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX At no time did I give them permission to inquiry about my credit status from these companies, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights. Please delete this misleading information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Weber & Olcese, PLC
State: MI
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:
In regards to phony collection practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX This information was not provided by XXXX XXXX XXXX. I had to look this up on the internet. Not once did they send written notice of the debt. By avoiding this step they were able to get a summons which I never received and writ of garnishment. All this and I don't even know what this debt is about. I have no old debt. If so it would be zombie debt and past its statute of limitation. They violated the Fair Debt Collection Practices Act. They are using a proxy " legal '' firm called WeberOlcese Attorneys & Counselors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. From whom I have only received two documents in the mail and this only after I contacted them after finding out about the writ of garnishment from my bank. I informed them only that I have no debt. That all debt had been paid in XX/XX/2015which for me was a terrible year with the passing of my mother and having to pay for her funeral out of pocket. XXXX XXXX XXXX is a company that has many identities and they use these identities to get individuals to pay for the same debt over and over again. They are fraudulent and anyone associated with them is suspect to me. They are being investigated for violating collection practices acts. Although XXXX XXXX XXXX initiated the procedure I have yet to receive anything in writing from this dummy corp.

Company response to consumer: Closed with explanation