BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is related to a major loss to my property in XX/XX/2019 -- a very large tree fell on my house in abnormally high winds. The insurance cut a check to me and my mortgage holder as soon as I had a repair estimate ( XXXX XXXX ). It was for approximately {$220000.00}. Subsequently with additional findings of substandard foundation and other code requirements, the amount was increased to $ XXXX. 

I have had unbelievable difficulties getting Rushmore to release funds to my contractor to pay for work that is already complete. The contractor is currently out of pocket {$100000.00} and we have passed an inspection showing 85 % complete but the contactor has only been paid 56 %. It should be very straightforward to release the remainder due. And yet I can't get Rushmore to release a check. And I can't get beyond a very limited scripted brick wall customer service of the available agents. The contractor won't come back to the job until he's paid. So, for the THIRD time on this round only, I am to wait for two days for Rushmore to call me back.

For every payment Rushmore has provided on this loss, my contractor has had to wait more than a month -- the inspections come in with completions but it takes multiple calls for Rushmore to release money and I don't think we've received even one payment within one month.

The contactor I selected does insurance work only. He has worked with multiple banks and this he says is the worst experience he's had.

They have probably delayed my job a cumulative of 6 months at this point by mistakes, multiple calls with no results, no customer service, unkept promises, supervisors who are supposed to call but never do ; agents with limited knowledge and very small scripts. They are ruining my life. I may not be able to afford this house that I've owned for twenty years when it is done, because it's been almost two years and my insurance limits have been reached on replacement living costs, so I am losing money. But no recourse at Rushmore.

If I was making late payments to them, they would charge me exorbitant late fees, but what recourse do I have when they don't release money that is not theirs!! AS far as I am concerned, they are stealing from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mistakingly deposited 3 business checks into my personal account on XX/XX/20 at XXXX XXXX. I contacted Bank of America and was told by the phone rep that it would be reversed in 24 hours. I called again on XX/XX/20 at XXXX and XXXX XXXX.when the deposits were not reversed and spoke with a manager who apologized and said the phone rep had made an error and that it would take 7 days for the reversal. I  called again on XXXX at XXXX XXXX. because the reversal still had not occurred and spoke a number of incompetent people -finally I spoke with XXXX who created 3 case numbers XXXX, XXXX, and XXXX. He said the reversal would occur in 72 hours. I called again on XXXX at XXXX XXXX. because the reversal still has not occurred and spoke with XXXX who after a whole run around -because every-time I call, there is never any record of my previous calls, said that the cases had been closed/resolved. He later admitted that they denied the transfer. So Bank of America is cashing checks that are not written to depositors and they lying to depositors about reversals, and they are not keeping any records on depositor requests or complaints and for good measure they lie to depositors about who is and isn't a manager. Please post my complaint so that the public can know how they will be treated at this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  has sold an alleged debt to a third party creditor. My personal information was passed on without my consent.

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 2019-02-09
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have applied for a loan to get solar installed on my home. I have all my bureaus frozen after the Equifax issue. I have been trying to access Equifax to unfreeze my credit so the loan company can pull my credit. I have been unsuccessful logging in to their system or requesting a password reset and each time I call they tell me that their systems are updating and to call back in a half hour. This has been going on since the morning if Friday XXXX. 

Every time I call they say it should be cleared up in XXXX minutes to an hour. It has been over XXXX hours and I need to get the process moving to install my solar system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Balance of {$5600.00} was charged to card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX, even after XXXX order was cancelled. No work was done. Nothing is due.Card was cancelled and closed by phone call to Wells Fargo Bank at same time. Card was issued by Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX, IA XXXX. Card Account Number XXXX. 
Wells Fargo Bank Phone Number XXXX Nothing is due. No work was done.

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 2020-12-21
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citibank was offering a higher interest rate. So I took funds out of XXXX account and a cit. account. Transford 3 different amounts XXXX for XXXX XXXX for XXXX XXXX XXXX. Citibank lowered there interest rate. My problem is after having contact with many customer service people, it was so bad that I was concered that I got my self into a scam. I have a police report showing that I am truthful regarding that I. Looked up Citibank reviews and I am not alone on my feelings regarding this bank. This is a one month old account. I was so concered that I tried to transfer money out of the Citybank account back to XXXX. I called and they said you can only due XXXX a day and not over XXXX a month Every amount I put in was over there transfer daily amount which is now XXXX a day. I called back an talked to another customer service person if there was another way just cancel this account. and transfer my money back to XXXX He explained how to get on Citibanks site to do a wire transfer. I paid for my transfer on XX/XX/XXXX my transfer was for XXXX The next 3 days turned into a living XXXX. After many calls and hang ups I was told that they blocked my account I have no access to my money and no access to the computer site. After 3 days worth of calls and hang ups. I went to XXXX bank to ask if they could help in any way, they suggested that I file a police report. After more calls and hang ups I did go to the XXXX Police Department XXXX XXXX XXXX XXXX Ohio XXXX phone XXXX Fax XXXX I talked to Officer XXXX XXXX report num. XXXX. He and I were on the phone with Citibank for 2 hours calls and hang ups. Officer XXXX started getting concerned about this being a scam followed me back to my apartment because he wanted to see the Debit card and my paper work. More calls and hang ups. Towards the end of this call they told Officer XXXX that my transfer would go through in a few days. After all this I called about my wire transfer again on Sunday the XXXX because I was still very concerned. Talked to another customer service person that proceeded to ask me question after question which I was able to answer. They canceled my transfer. ; He put me on hold and when he came back he said I got one of the questions wrong so my account is still closed would not let me ask him any more about my account and he hung up. This may not even matter I am a senior on social security and small pension. This week I have not slept and I feel shaken inside. This is all all the savings I have.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NEVER OPENED THESE ACCOUNTS XXXX XXXX  {$4800.00} & XXXX XXXX  {$790.00}

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is a complaint against timeshare XXXX. I've dealt with one of their employee named XXXX XXXX, they all claimed they were also owners in XXXX. They also enticed us saying we're making a good financial investment, and that we can even have it passed down to our children. They promised we would definitely save money on vacations and that benefits are simply just like owning a second home. Moreover, they said we can actually earn or make money from the timeshare by renting to others like for a week if we're not using it or if we let someone else use it for their vacation. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They offered gifts such as lunch/dinner, a return stay, money for casino, tablet etc. We were never made aware of all the fees involved. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. I inquired to them several times about cancellation via phone but never received any help from them. We experienced financial difficulty caused by this timeshare, I am paying for something I can never use when I want which was different from what they've promised us, they just lied to us, plus there is a fee for everything. Having this timeshare just gave us hardships and problems caused by this even made us lose sleep and its just extremely stressful for us. We had the worst experience with this timeshare, the pressure of thinking it was such a great idea to get into ; including saving money on vacations which we have yet to do. We were simply defrauded, lied to and taken advantage of. The worst is all the fees, there is basically a fee for every transaction.

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 2017-10-26
Company: ASSOCIATED BANC-CORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage payment into Associated Bank during working hours within 30 days. They accepted payment within 30 days, however administratively, posted the payments XXXX day and reported me late to the XXXX agencies. These payments I am referring to are for the months XXXX and XXXX XXXX. 

I believe they violated Regulation Z and X. 

Regulation Z for Mortgage Loan payments states : RULES FOR MORTGAGE LOANS Crediting Payments as of the Date of Receipt Section XXXX ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received. However, this does not mean that servicers must physically post a payment on the date received, provided the consumer is not penalized by the delay in posting. In other words, a servicer can have a delay between the time it receives a payment and posts it to the consumer 's account, as long as the payment reflects the date of receipt when it is credited. The distinction is important because it may not be operationally feasible for a servicer to post a payment on the date it is received. Comment XXXX ( c ) ( 1 ) ( i ) -1 of the Official Staff Commentary ( OSC ) for Regulation Z clarifies this point : A servicer that receives a payment on or before its due date ( or within any grace period ), and does not enter the payment on its books or in its system until after the payment 's due date ( or expiration of any grace period ), does not violate this rule as long as the entry does not result in the imposition of a late charge, additional interest, or similar penalty to the consumer, or in the reporting of negative information to a consumer reporting agency XXXX emphasis added ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize. 

Account Name : XXXX XXXX XXXX Balance owed : {$910.00} Account Name : 11 XXXX Balanced Owed : {$910.00}

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 2020-12-21
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX is fraudulently reporting to the three credit bureaus XXXX, XXXX and Expetian the XXXX XXXX XXXX account is open and late.. This account has been a closed/settled account for months. Why is XXXX XXXX XXXX reporting its open and late dated XX/XX/2020. This account has be closed and settled how can I be late on a paid/settled account. This is fraudulent and permanently damages my credit profile. It can not be late because its closed and settled. THE XXXX  XXXX MUST BE DELETED AND All Fraudulent must be REMOVED AND CORRECTED AND DOCUMENTED THAT This was an error on the XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Multiple phone calls 2 loans from XX/XX/XXXX, one for XXXX, another XXXX settled in XX/XX/XXXX with {$0.00} balance. They were off all 3 company reports for few months before reappearing on all except XXXX XXXX. XXXX XXXX eventually came back as well and all 3 are on it ... .. Not only were they already taken care of and closed in XX/XX/XXXX, AND then the IRS withheld my XXXX income tax return of over XXXX to the Dept of Edu . The 2 fed loan are the same 2 as dept Ed. There is not 4 loans. They have been closed with {$0.00} balance even BEFORE my Tax return of over XXXX was withheld and paid to the DOE. 

The 3 XXXX XXXX charges stem from an ambulance ride back in XXXX of XXXX. How they charge u for 3 bills for one ride, who knows. These were covered and paid by XXXX. They were removed and then came back. I've tried multiple times going in circles. It's frustrating when u spend hours and hours to finally get these errors taken care of, only to pop goes the weasle, they're back. Please help. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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: Was not notified of investigation status or results

Complaint:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of XXXX I had Covid related financial issues and could not make my mortgage payment that was due by XX/XX/XXXX. On the XXXX of XXXX I inquired about forbearance from my mortgage company, during the inquiry I was assured that if I qualified my credit would be safe from any negative markings. ( If that was not the case I would have chosen a different route to cover my payments before XXXX XX/XX/XXXX days late ). While on forbearance my credit was marked 30 days late on XXXX, XXXX, and XXXX. I called Loan Care and they did an investigation that concluded the late marks were correct. I would like to know what my options are moving forward.

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 2020-12-21
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is fraudulently reporting my account as unpaid and in collections with crown assets. This account is paid in full and closed for months how is it that this account is in collections as XX/XX/2020 when its paid in full and in good standing. How can I be in collections on a paid closed account. They must update their files. This fraudulent reporting is damaging my credit status and it must be corrected. With the pandemic and dealing with covid is an unnecessary issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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 was car searching online at XXXX ( I believe ) or another site around XX/XX/2022. I was looking at a vehicle and it gives you an opportunity to revise down payment and projects monthly payments. I never contacted the dealer and never even made any inquiries about the vehicle or about qualifying/applying for a loan. I received a notification from XXXX XXXX that there was an inquiry from XXXX XXXX. I have never heard of this financial company and never applied, either directly or indirectly, for a loan with them. I contacted Experian and file a dispute. The dispute was denied. I called Experian and they stated that I needed to contact the company and ask them to submit a request to remove the inquiry. On XX/XX/2022, I received a letter from XXXX XXXX stating I was denied a loan. Again, I never applied for a loan and never authorized them or any other car dealer to run a credit check. On XX/XX/2022, I contacted XXXX XXXX and explained what had happened and stated that I was told by the credit bureaus that I had to ask XXXX XXXX to request the inquiry be removed. They refused to do so and stated it is not their responsibility. They also refuesed to provide me who authorized them to run an 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 2022-08-12
Company: Sterling Infosystems Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have had a consumer report background check made by Sterling. report number XXXX Candidate code : XXXX It shows a XXXX XXXX. Going back the past seven years and I would like to know where they got this information. They had run back. Background of the previous year. I had disputed it with sterling, and they removed it last year. They had removed it from the report. 
I had communicated with XXXX XXXX the report number was XXXX I don't know if they are sending the Companies that order the reports different reports than they send to the candidate. if so, can they give me an answer? 
I would like them to show me how they verify this XXXX XXXX 
They state that their verification method was through name, date of birth, and government ID. 
However, I've tried to search for this information myself at the. 
Courthouse, and they stated that there is nothing that they had given anyone that matched my ID identification. 
They do not provide such information any government identification is redacted from all records. 
So if they are reporting based on government identification, how is this possible? 
That information is redacted and sealed. Are they getting this information from a cached database? And aged data furniture that is. That is providing them with this information. 
Also if someone pays fines and closes a case And do they age re-age? Records and their consumer background checks by the source of when cases are closed or when they are started. 

Also, if a record has been sealed, does sterling report it anyways

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