BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had XXXX at the end of XXXX to remove a XXXX. It took me till XXXX to get back to work. I tried contacting Rushmore LM from XX/XX/XXXX until XX/XX/XXXX to ask for a repayment or payment plan. Every time i called Rushmore went through the prompts, 30 seconds later the call disconnects, this happened 10 times. I finally was able to reach them on the XX/XX/XXXX asking for a repayment or forbearance.. I went through a ten minute financial interview, the lady told me i needed to be two months behind. Said i didn't qualify at that time for those options yet they send me these resolutions. I tried to contact XXXX XXXX, my point of contact from XX/XX/XXXX till XX/XX/XXXX XXXX. 8 calls with no response. They have also violated my rights under the Respa law. Instead of keeping two months, they had 6 months as of XX/XX/XXXX. Stating they can do this> and have an annual review in XXXX. Then they tried to state they paid my hazard insurance of {$1100.00} in XXXX but is wrong amount and it's not do till XX/XX/XXXX and is paid quarterly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I resent Citibank and XXXX XXXX XXXX using resources generated by my use of their credit cards to promote XXXX control. I am XXXX XXXX XXXX, a XXXX, have a carry permit and support the XXXX. It is a hassle to change credit cards but that will be my next step.

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 2018-06-15
Company: Westlake Services, LLC
State: VT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The car loan in question is past due, due to waiting on the insurance company to pay off the totaled car.They start calling at XXXX XXXX and the calls stop at XXXX XXXX, my problem is the almost 16+ phone calls in between.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, XXXXXXXX XXXX XXXXXXXX. added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA XXXXXXXX XXXX XXXXXXXX. has violated my rights as a consumer and Im requesting legal action to remove this account 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 2020-08-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have 3 accounts with synchrony Bank, Lumber Liquidators, Brandsmart, and Home Design. My wife had a card with XXXX XXXXXXXX XXXX  through Synchrony.  Within the last 90 days Synchrony Bank completely cancelled my wife 's card that had been paid satisfactory and had a XXXX  balance, and each month between XXXX, XXXX and XXXX, lowered the credit line of each of my 3 accounts with them damaging my credit score in the middle of a refinance process. When I contacted the company although I have never been late with any of their cards, they gave reasons based not having a mortgage attached to my credit report and other information from the report but could not provide specifics. This practice has caused harm to my credit report and my refinance opportunities. It arbitrarily increased my debt to income ratio. I am XXXX XXXX and when speaking with other associates they have expressed the same concerns with the conduct of Synchrony Bank. The lumber Liquidator account I have held since XXXX without default, Brand Smart Since XXXX without default. There continued actions are causing irreparable harm. Their response was " credit can be a snowball effect '' one in which they are causing by increasing my debt to income ratio.

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 2018-02-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After graduating from XXXX in 2005, I accumulated around {$20000.00} in student loans. 13 years later and making payments for years and years on time my balance is now {$15000.00}!!!

How can that be?

Right after graduating I was struggling to pay the entire monthly payment and they automatically directed me to forbearance. I wonder if thats the reason.

Navient website right now is set in such a way that it still directs people to programs that lowers monthly payments. I want to pay more to get rid of this evil loan that never seems to disappear.

Since I graduated I paid off 3 cars!!! So why is this loan not going away??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I got an email from what appears to be Chase Online on XX/XX/2020. The email says I owe them {$120.00}. I never signed up for a Chase credit card. I think this is a phishing scam or I'm a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: LendUp Loans LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2018 I was directed to a XXXX XXXX XXXX Application from XXXX XXXX. It sent me to the application page and as i started filling out the information it asked me to verify my email. When i received the verification email i discovered that there was a technical issue in their system because it was recognizing me from when i applied several years ago. I immediately called their customer support line which is really only an application support line and notified them about the problem. The girl kept telling me that i was denied and that nothing has changed in their decision. I kept trying to explain that i had NOT even completed the application and could not understand their logic. She just kept repeating herself that everything on their end is fine and that they can't extend me credit. I kept asking for someone else or a supervisor because i could not understand how i could be denied for something i haven't even applied for yet. I considered this to be discriminatory and nature and just ridiculous. I decided to try to continue the application on my own but because of my old account i had to put a different phone number. So i put my secondary phone number and completed the application. I was told that it was denied because they were unable to verify my information. I sent in copies of my social security card and driver 's license and now i come to find out that i have been " permanently restricted '' because i made a typo on my social security by 1 digit. I stated that they have proof of what my social security is and that they should just be able to merge the profiles, delete one of them or just fix the issue. They stated that they won't do anything about it and that i can never get a card with them. Honestly i just feel like they were discriminatory from the beginning and their objective was to deny me for the card before i even applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
I was notified that my mortgage service company XXXX was being transferred to Shellpoint Servicing. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with Shellpoint, they stated XXXX was no longer in business. I attempted to make a payment to Shellpoint, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$0.00} XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$45000.00} XXXX XXXX XXXX XXXX {$55000.00} XXXX  XXXX {$4500.00}

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 2020-12-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had a XXXX XXXX XXXX XXXX  loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and XXXX  accordingly. The car was paid off with XXXX for the amount of {$7900.00}. I've got the confirmation letter from XXXX attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score. 
I have already talked to two representatives from XXXX XXXX XXXX XXXX about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with XXXX XXXX and their bad reputation I am requesting the CFPB for help with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Commonwealth Financial Systems, Inc.
State: FL
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:
I frequently check XXXX XXXX and I know its not 100 % accurate but a few months ago I checked and some of my medical bills that I accrued when I was XXXX ( now XXXX ) fell off but one came back and twice! Its for {$550.00} each and it says it ( now they ) was ( were ) reopened. I have no idea why, as I have no idea on how to even contact them. Ive moved to 2 different states by now, but thats crazy its reopened and the same amount TWICE. Its hurting my credit and Id really like to buy a house soon. Please help! : (

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA loan was refinanced in XX/XX/2021. Freedom Mortgage Corporation was the holder when the loan was paid in full. Escrow reimbursement was listed as mailed to me on XXXX XX/XX/2021. When I did not receive the check after 3 weeks I called Freedom Mortgage and was told that I could not have the check cancelled until a month has passed. After XXXX XX/XX/2021 I called again and asked that the check be cancelled and mailed out again. I was told there was a 10 day waiting period before the check can be mailed. It has been over two months since I closed on my refinance and there is {$6500.00} that has yet to be paid to me. If I am expected to wire funds to cover an escrow amount for a mortgage company I would expect a timely reimbursement. If not, I expect to be compensated in interest at my previous mortgage rate.

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 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a merchant account with Bank of America that is tied to my Business Checking Account with them. I just started a new business, a XXXX XXXX, and regularly take payments from customers through a credit card terminal. Bank of America 's Merchant Services keeps putting my transactions on hold for weeks at a time. When I talk to  customer service representatives, they say that the risk management team is reviewing the transactions and they can't do anything about it. I try to contact the risk management team but the XXXX line for them goes to voicemail every time and noone from that department has responded to the messages I sent. Last month, they hed funds from XX/XX/XXXX to XX/XX/XXXX before releasing them. They starting holding funds again since XX/XX/XXXX and, again, customer service claims they are unable to help and the risk management department is not answering or returning any phone calls. As a result of them holding my money for weeks on end without any reason or remedy, I am falling behind on bills for the business ( rent, car payments, employee payroll ) and personal bills as well.

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 2018-04-28
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX and XX/XX/XXXX I sent goodwill letters to the CEO of XXXX XXXX regarding late payments on my credit card account from XX/XX/XXXX to XX/XX/XXXX. The reason for the lateness was because of financial hardship due to being laid off and the unemployment extending longer then expected. In both attempts in requesting to have these lateness removed I was denied my request. I have been a loyal customer of XXXX XXXX since XX/XX/XXXX and this is the only time I have ran into this issue. Since XX/XX/XXXX I have been paying this account on time and have not have a late payment since as well as had a car loan account with XXXX XXXX which was never paid late.

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 2019-03-26
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was chatting with an agent online on XXXX about connecting my bank account to withdraw funds from my online wallet. I was assured that any overdraft would be taken care of. I explicitly stated that the way the transactions were being processed, there would be a {$28.00} overdraft fee, and once again, I was assured that Paypal would take care of it. 

They then sent 2 sets of confirmation transactions, which resulted in not just 1 but 2 overdraft fees.

When requesting the transcript as it was not sent to me as it should have been, I've been told by online support to call in, and when called in, I was told to to contact through online chat.

I've been told 24-48 hours now multiple times, and none of it has come to fruition. Support tickets closed without contacting me. Escalations that go nowhere. No departments available, etc. Hours on the phone and online chat that have gone absolutely nowhere to resolve the main issue, which is the lack of transcript being provided. The secondary issues regarding what was in the chat and what the agent said, and as well as sending two sets of transactions through have been either ignored or put aside. 

It has now been a week and the futhest I've gotten is more " escalated '' tickets being created, and an e-mail from a " supervisor '' telling me to call a number I was specifically told not to call again regarding this matter. I have all the transcripts, all the phone conversations, everything recorded. For some reason, the only one that is missing is the one that is in question, from XX/XX/19 from the original chat I was having online regarding linking my bank account. How is that possible unless they are actively blocking me from access?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MI
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 didnt give consent to furnish my personal information regarding my open credit plan. Ive been violated and harassed about information I deem private. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Information that should be on the report is missing

Complaint:
My current and only address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. 

HARD INQUIRIES : THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED *XXXX XXXX  *XXXX XXXX  *XXXX XXXX  *XXXX XXXX XXXX  XXXX 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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have been trying to talk to the TransUnion over and over again about the inquiry. 
And time and time again they have been Replying with I quote theirs nothing we can do for you. I just would very much like this situation too be handled by a higher up. 
Because obviously Im not get nowhere Near resolving the matter. So I do appreciate it If my all inquiries will be removed do to non Authorized and security breach. There are 19 inquiries that needs to be removed. 
Like yesterday. I really do appreciate all Your help and looking forward on hearing back from you thank you and have a blessed day!!

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 2021-07-19
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance with Pentagon Federal Credit Union on XX/XX/XXXX. I quickly loaded documentation that was outlined in the initial set of documents I received. As part of the application process I ordered and paid for an appraisal on XXXX for XXXX dollars. Communication back and forth between myself and XXXX XXXX was satisfactory up until XX/XX/XXXX. Since that point, communication has been absent. 

Overview of communications and actions since XX/XX/XXXX : XX/XX/XXXX : Request for me to pay for appraisal ( XXXX dollars ), which I promptly did and scheduled appraisal for XX/XX/XXXX XX/XX/XXXX : I received an email and voicemail from Loan Processor outlining the list of documents needed. This list included documents that I had already provided. I promptly called back and left a voicemail with questions to clarify. I have yet to receive a response to any of my questions even after follow XXXX  on XX/XX/XXXX, XXXX, and XXXX. 

XX/XX/XXXX : I replied to email from XX/XX/XXXX with follow up questions about details of documents needed. 

XX/XX/XXXX : Appraisal took place and appraiser said that the completed appraisal should be available on XX/XX/XXXX. I have not heard anything about appraised value from PenFed to date ( today is XX/XX/XXXX ). 

XX/XX/XXXX : Loaded new pay statements and replied to email chain with XXXX XXXX asking for follow up on initial questions. 

XX/XX/XXXX : Followed up again on email chain with Loan Processor and included Loan Officer on email as well. 

XX/XX/XXXX : I called PenFed main phone line, spoke with a representative, outlined that both my Loan Processor and Loan Officer were unresponsive and that I would like to discontinue the application and be refunded the Appraisal Fee. The representative told me that I would need to speak to a supervisor ( they were not currently available ) and a supervisor would be calling me back the same day. I have yet to receive any communication from a supervisor ( today is XX/XX/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