BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: DISCOVER BANK
State: MA
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 am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: MidAmerica Mortgage Inc
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company can not find a payment I made in XX/XX/2021. They have charged me over 12 times for a property inspection of {$20.00} each occurrence. I have called and requested to speak with the department that is supposed to research payments. Ive requested to speak with supervisors. They will not allow me to speak with a customer service rep who will take notes and then say someone will call me back. I have never received a call back. I sent the bank information of the payment on XX/XX/2021. The mortgage company says they can not find the payment although I have sent the documentation showing the payment I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: AFNI 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: Their investigation did not fix an error on your report

Complaint:
The below listed account has been removed from XXXX  and XXXX. However, it has not been removed from XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameAFNI, INC.

Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$1400.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1400.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX I have disputed this account on-going as the account is not my account. I have requested the creditors to investigate the source of the payments that were made to the account as I have NOT ever made payment to such account. My banking statements can prove this. I have been with the same banking institute for over a decade. 

From XXXX and XXXX I was in the XXXX XXXX, XXXX, XXXX, and XXXX. I have two expired passport booklets that will reflect my travels as well as time-stamped photographs. Moreover, I have one domicile, in which I have resided since XXXX. There was no need for any of the amenities listed in the below accounts as all were in my spouses name and furthermore, being abroad, the below amenities were null ; there was no need for these. I am more than willing to provide the above documentation of my whereabouts. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.

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 2020-03-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Chase bank of XXXX cashed my two checks without my permission. They stamped my name on the back of the check. Then closed my bank account. I had no negative account. I look on my online banking app. I was left with XXXX in my account. I showed my mother. That was before my bank closed. They send me a mailed copy of the checks and a bank statement charging XXXX dollars for something I didn't cash. I have documents as proof. They didn't send me my whole {$71.00} left in the bank. They only gave me {$40.00}. I took a picture of the original XXXX dollar check. I have proof of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was charged for an apartment under my grandma and I 's name, she lived in California and cosigned for me and I lived in the apartment, so she wasn't there, we were just cosigners on it at XXXX XXXX XXXX XXXX  in XXXX, Texas XXXX. They posted a bill on the account under both of our names after I moved out due {$500.00}. My grandmother paid it in full, and then they sent me the bill of it afterwards. They charged both of us {$500.00}. They received the first {$500.00} payment from one person ( my grandmother ) and sent me a bill for {$500.00} as well, attempting to collect a total of over {$1000.00} dollars. After my grandmother payment, ( which she had to send in twice to the apartment complex, in which time she had them send it back once and cancel it once which I have email documentation between her and a worker there about it dated XXXX of her check stub payment and full with one XXXX XXXX at XXXX XXXX XXXX ), the account balance should have been zeroed. But I still received a bill. I have email correspondence proving she paid the amount in full, but yet I am still receiving mail in both my grandmother and my names separately from RentDebt Automated Collections  XXXX XXXX XXXX, XXXX, Tennessee XXXX that were sent over from XXXX XXXX XXXX for {$500.00} for both my grandmother and I to my current address. They have posted it on my credit and it went down 47 points. I received another collection today XX/XX/2020 telling me to " settle it '' by now paying {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received an email on XX/XX/XXXX stating that ACS/Conduent would no longer be servicing my loan as of XX/XX/XXXX. That is informing me without prior notice at all. I have not been able to log in to their site to check if my last payment was received nor have I been contacted by any other company to service my loan. We are XX/XX/XXXX I do not want some miscommunication affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-11-25
Company: COMMERCE BANK
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, I spoke with XXXX XXXX, Senior Mortgage Banker with Commerce Bank, and discussed a loan amount we were seeking, as the bank had told us that a portion of our funds couldn't be used. 

I asked for direction, because the bank wanted to increase our loan by {$12000.00}, and my wife and I did not need that much of an increase. XXXX told me to send him the new loan amount I was seeking in an email and include XXXX XXXX, Premier Mortgage Processor at Commerce Bank Mortgage, as she was underwriting the loan. 

At this point XXXX and XXXX had already misplaced information that had been provided to them, consistently. 

On XX/XX/2020, after our conversation, I requested the loan amount be set to {$160000.00}. XXXX confirmed with a one-word message : " Completed. '' But the next day, XX/XX/2020 the approved loan came back with a {$1000.00} increase. That change had not been approved by the borrowers, and no explanation was given. 

When asked about the increase, XXXX lied and said he " had to '' increase the loan amount. Later, that lie became apparent when XXXX disclosed he needed additional documentation to meet the loan request on an account the Commerce team had neglected to include in their verification of funds, but passed the buck of their mishandling onto the borrower. 

Additionally, XXXX indirectly threatened to move the loan date and thus move closing, after his team had dragged their feet until the last minute to confirm details, when their error was called out. This threat showed a clear lack of fiduciary responsibility. 

This complaint is filed in regard to the lack of responsibility, blatant lie told, threat, and altogether malfeasance perpetrated by loan officers who have a responsibility to act in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX I have asked to remove escrow account for the reason it was never included in the refinance in XX/XX/XXXX. I request so many time to escrow account to be removed and it was removed around XX/XX/XXXX. I requested for loan modification around XX/XX/XXXX and after long hassel my has been modified. I also inform multiple times and was to write multiple times I don't need escrow account. Despite this escrow has been added against my will. Since I have stated on multiple occasion not to include escrow account in writing escrow should part of my payment against our will.

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 2019-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: William D. Meeker Enterprises, 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: Information belongs to someone else

Complaint:
I have two hard inquiries on my credit report that I'm unaware of i never applied for mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My complaint below is with XXXX XXXX NOT Walmart - Just checked my Walmart accountI mailed a payment in XXXX. It was cashed by your bank on XX/XX/XXXX. I faxed a copy of the cashed check, front and back on XX/XX/XXXX. The funds have still not been applied to my Walmart account. I expect the funds to be correctly applied to MY account, all late fees and interest assessed to my account be credited and this to be done immediately. I work for a bank. With a copy of the front and back of a cashed check we credit funds to our customers within 1-2 business days. The time-frame given to me when I called about this was 30 days. That is utterly unacceptable when you have my money. There was no research you had to do. I did all the work in finding when the check was cashed and getting a copy of it before contacting you.

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 monetary relief
Consumer complaint received 2022-03-23
Company: Synerprise Consulting Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Synerprise consulting XXXX. 
Refuses to remove collections From credit report Although the debt statue in Texas is 4 years. 
Threatening to my wife while I was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting XX/XX/XXXX, I have been recieving phone calls from Capital One ( as they stated ) asking for XXXX. I have now four times, advised that this is NOT XXXX phone, they are still constantly calling. They have also called multiple times within an hour. All of which is against CFPB standards. I have been called Three times alone today, Two of the calls I answered and AGAIN stated this is not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: MI
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, Equifax, XXXX  all Credit Reporting Agencies there is an age out account on my credit report ending in # XXXX. The account owner is XXXX XXXX. In XXXX the account was closed in good status and fell off my credit reports because statue of limitations. Here comes your client XXXX XXXX XXXX bringing back the same account in the name of XXXX XXXX  with a new Reporting.Date of XX/XX/XXXX against the FCRA. 
I am sending you my billing statement with XXXX XXXX with account ending in XXXX which use to appear on my credit report in XXXX but aged out. Remove the age out account XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my loan payment on auto pay for {$3000.00} per month. I set it {$50.00} higher than the required payment ( {$2900.00} ) to accommodate changes in the escrow amount. 

At the end of 2022 the escrow increased the monthly payment to {$3100.00}. The XXXX auto pay processed at {$3000.00} on XX/XX/XXXX. Rocket Mortgage did not apply the {$3000.00} payment. Instead it held the {$3000.00} unapplied and then hit me with a {$110.00} late payment. 

I am asking that the late fee be removed or at least calculated on only the late sum. 
XXXX Mortgage {$3100.00} XXXX Payment {$3000.00} Late amount {$130.00} Late Fee {$110.00} As a percent of the late amount this would be an 89 % late fee which is an exorbitant late fee. 

I have made an additional payment for XXXX for the short payment and the late fee. XXXX forward the auto pay has been updated to {$3100.00} to cover the new monthly payment of {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a surviving spouse of a veteran, my husband died XX/XX/2018 he is the only one listed on the mortgage. I had no idea he was behind on the mortgage. I did later find out that at the time of his death he was working to get a loan modification but was not able to provide all of the documentation before his death. I have tried to talk with the company Select Portfolio Servicing to see if they will work with me to bring the mortgage current but they will not talk to me. I was also able to send in a copy of the death certificate. I just received a notice from an attorney 's office that they were proceeding with foreclosure. I am working with a HUD approved non-profit counseling agency and we have reviewed my situation and I can make payments if they will work with me. Please ask them to abide by the surviving spouse provision so I can save my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: EQUIFAX, 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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX I called during business hours early in the day to get a new debit card because my old one was lost I also lost another card the same day and called for replacement. The one card netspend when I called they said no problem to the replacement but if I wanted it in the next 5 days they would have to XXXX for a price of {$50.00} I declined it so they said my card would come within 7-10 business days. On XX/XX/XXXX they texted me to say my card is on it's way. Today it is the XXXX and still no card I called to find out what happened they said that if I don't get my card by XXXX XXXX I should call back. My complaint is they force you to get your card XXXX XXXX   because they don't make any money on mailing you out a new card through regular mail. I have prescriptions to be filled and rent to be paid my monthly pension check comes on this card so I have no money until I get the new card. I called Social Security right after I called netspend and XXXX XXXX told me the card should be to me in 7-10 business days I received the card on XXXX. I know the FTC has won a settlement against netspend but it seems like they did not learn any lessons from that nor did they change any practices. I am not sure what can be done but I am trying to find an alternative from my pension plan but I know I am not alone. As charging extreme amounts to get your card sooner and make you suffer to get your card by mail take super long. Right now they are holding my pension hostage until I get my card.

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