BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: Rent Recovery Solutions
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I live in XXXX Alaska. The apartment that I lived in before charged for some damages to the apartment that I DID NOT cause. I only lived there for 2 months. I was never told that I had outstanding charges and I had no idea about them. I was not contacted and this was automatically moved to collections- which is hurting my credit. 

I contacted the debt collection agency - TWICE. I was told to wait on hold and phone shut off, and other time I left a voice message demanding to let me know exactly how this charge was done and prove to me that it was me. But they never got back to me. 

I need to see an itemized list of the 'damages ' that I caused and prove to me that I am responsible. And how can they just move this to collections and damage my credit when I wasn't notified?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
There was some type of discrepancy between my mortgage company and the escrow account of my mortgage, I recently received a notification that my mortgage was going to go up, about XXXX dollars every month for a period of one year. When I contacted the mortgage company for an explanation, they wouldnt give me a clear explanation of the matter. I did an escrow analyses, an noticed that the property taxes were not pay on time, which there was a late fee charge, and also the taxes were pay three times instead of twice. The name of the escrow company is ShellPoint mortgage services. I brought things matter to there attention but they still havent gotten back to me and they are being very unprofessional, as if they dont want to deal with it, and I dont think is fair.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2020 I have been trying to link an online account so I am able to deposit money into my PNC checking account that I have had over 45 years the same account with PNC over 45 years the bank was first national city until bought out by PNC. I am unable to have this online lender link up with my PNC bank account which is completely unethical when I am the one who is trying to link this account so I am able to receive money through this Wonder so I can make some of my household bills and get a loan to do some household repairs and which I am unable to do because PNC Bank will not let me a link my account. I have personally called PNC Bank about 25 times this is about the fourth time I am doing this complaint this is completely ridiculous why am I not able to link my own bank account it's my account through PNC Bank this is completely ridiculous it's my account why am I not able to link my account when I'm the one who's authorizing this? Kiss somebody contact me please XXXX sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: MIDFIRST BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX/XXXX/19, I submitted an application to open a savings account following an online targeted ad. The website instructed me to call to customer service. Customer agent XXXX instructed me to send a copy of my drivers license to the banks email address ( unsecured ) to complete verification. I followed up on XXXX/XXXX/19 : representative XXXX escalated my case to supervisors XXXX and XXXX who promised to come up with the decision by XXXX/XXXX/19. On XXXX/XXXX/19, representative XXXX informed me that XXXX made a decision not to process my application because their internal system was unable to generate questions to verify my identity. XXXX refused to use alternative methods of verification ( statements from other banks, text messages on registered phone, copies of other forms of ID or credit cards ). Vio bank refused to send me an official letter explaining the reasons for denial. 1 ) The banks actions violate my FCRA rights. 2 ) Their verification protocol has disparate impact ( based on race and national origin ). The bank refused to open my account as a result of this discriminatory protocol, thus violating my civil rights. 3 ) The bank exposed me to increased risk of identity theft by forcing me to send them a copy of my DL through unsecured channels, even though they knew or should have known that my DL would not have affected their decision. 4 ) Representative XXXX refused to transfer me to their legal team stating that only litigants represented by accredited attorneys have that privilege.

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 2019-06-24
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX I notified Equifax regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following company Inquiries : XXXX XXXX  XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. I requested copies of documentation associated with these accounts bearing my signature, in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that Equifax maintain under my Social Security number. I have not receive copies of documentation associated with these accounts bearing my signature, they continue to report negatively on my credit report. I sent a follow-up certified letter to Equifax regarding this matter but they still failed to provide documentation bearing my signature. This has been a nightmare, as of XXXX I have filed a Identity Theft report with the FTC report and carry this report everywhere I go. Also, I am having issues with XXXX   removing inaccurate reporting on my credit report company XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have ongoing complaint and investigation filed with BBB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
According to XXXX XXXX ( Original Lender ) our mortgage account was sold to XXXX XXXX and in turn sold to Rushmore Loan Services on XX/XX/XXXX. All servicer 's without exceptions violated Federal Rule 1024.33 ( a ), 1024.33 ( b ) ( 3 ).  We have NOTreceive notices from any of the above servicer 's regarding the transfer among the different lenders. XXXX XXXX does not exist any longer therefore took us years to here from XXXX XXXX, and was told the loan was sold to XXXX XXXX. The company stated that the loan was sold to Rushmore since XX/XX/XXXX. Sometime on or before XX/XX/XXXX, I contacted Rushmore and convey that had yet to receive notices of transfer and mentioned the Federal Rules .These notices must be sent to the PROPERTY ADDRESS PURSUANT TO THE ABOVE MENTIONED FEDERAL RULES. Few weeks later after our phone conversation the servicer tried to cover their error by sending mortgage statements. The servicer acquired our loan on XX/XX/XXXX, yet failed to send notices of transfer, nor provided with notices in regards to being the new servicer, Nor statement until XX/XX/XXXX. The servicer wasted valuable time while we could have applied for a loan modification years ago. It appears on its face that Rushmore does not follow Federal Servicing Rules or have any respect for the above mentioned Federal Rules. At this juncture we want to retain our property and are interested in home retention. We have provided Rushmore with a loan modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
In two different months I tried to send money to XXXX as I am a XXXX-XXXX  to an American citizen in XXXX who needs the money and both times Wester Union has not processed my debit card which they charge at a lower rate and force me to use a credit card with, in my case, {$20.00} markup. The option to pay with debit card is available but no in practice. I wonder if this is another fee issue with WU, they have a checkered story. I checked with my bank ( XXXX  ) and they have no problem since I had money in the account and they have no issue of fraud with either. It is not a lot of money, but it does multiplied by many customers can be significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a fraud alert from Citibank on XX/XX/2019 alerting me of a fraudulent ATM withdrawal from my checking account. On receiving the alert from my bank, I contacted the bank and found out that there had been an attempted cash withdrawal made from my account from another area in the state while I was at home that morning. The bank representative canceled the debit card immediately and asked me to verify previous transactions made from my account. At that point, I found that there were several fraudulent ATM withdrawals made from my checking account over the past few weeks beginning on XX/XX/2019 ( Three withdrawals totaling {$600.00}, and one deposit of {$200.00} ). I then filed a claim with the bank to reimburse my money for these fraudulent withdrawals. After reviewing my claim, the bank notified me on XX/XX/2019 that they were unable to honor my request for reimbursement due to the debit card being in my possession and the activity was consistent with my normal banking activities. 
I filed a police report on XX/XX/2019 regarding this incident.

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 2018-09-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am requesting verification of the account from Ally, account # XXXX on my XXXX report. XXXX has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with XXXX  and with Ally. I have attached all letters with certified copies.

I spoke with XXXX  from XXXX onXX/XX/XXXX and XX/XX/XXXX. OnXX/XX/XXXX, He stated Ally has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from Ally and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from Ally did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX   on XX/XX/XXXX and stated No updated information were reported from Ally. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my XXXX Report. If you have any question please contact me at XXXX  or t the above address.

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 2019-06-24
Company: EQUIFAX, INC.
State: CT
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:
Equifax affirmed a collection account from XXXX XXXX XXXX ( XXXX ) for an XXXX XXXX XXXX credit card on a dispute filed on XXXX XX/XX/XXXX. This account is now over seven years since the date of first delinquency ( XX/XX/XXXX ) and is illegally being reported by XXXX. This accounted was appropriately deleted by XXXX. 

I have attached some notices of the first delinquency from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE CONTACTED THE CREDITOR AND THERE IS NO NEW ACCOUNTS UNDER MY NAME. I HAVE SENT MY IDENTITY THEFT REPORT TO EQUIFAX FOR OVER A MONTH AND THEY HAVE NOT PROCESSED MY REQUEST TO REMOVE THE FRAUDULENT ITEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections Services of Athens , Inc. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with Collections Services of Athens , Inc. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Collections Services of Athens , Inc has also called me on XX/XX/XXXX threatening to take legal action, I have filed a complaint with Georgia Attorney General, ... Furthermore, Collections Services of Athens , Inc. is practicing UNJUST ENRICHMENT.

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 2020-04-29
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Talked to their loss mitigation department I was offered a verbal loan modification and then 30 days later they said no to the modification and are now going to auction off my house I have talked to at least 8 different people at Shellpoint mortgage services and appear to be getting the run around I have been making payments all along but now they want to increase my payment amount which I can not meet They even sent back my last house payment twice now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions 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:
Im writing this because of Non-Compliance of credit bureau to complete investigation. I sent off letters to have account investigated that are incorrect and they came back as verified accounts. No way these accounts have been investigated if they were then all the information reported would match on my credit reports. How is the same data furniture reporting different across all the reports?

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 2019-06-24
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had make my full mortgage payment in of {$1000.00} in two separate transactions of {$670.00} and {$370.00} from two different banking accounts. My mortgage servicing company Amerihome mortgage returned my payment of {$370.00} and said they will not accept a short payment. I made one payment for {$670.00} from one account on XXXX and a payment for {$370.00} from the other account on XXXX to meet my mortgage payment amount of {$1000.00}. Amerihome mortgage returned my payment of {$370.00} on XXXX. I resubmitted my payment for {$370.00} on XXXX and the Amerihome customer service representative. I am XXXX XXXX in the military and was unable to call due to being out of the country until Sunday, XXXX. I have discussed the situation with Amerihome Supervisor and all of my payments have been returned. Amerihome mortgage 's formal or informal policy is that they will not process payments in two separate transactions. I am unaware if I signed an agreement that states that I can not meet my monthly mortgage payment obligation in two separate transactions. I am sure that I am not the only mortgage customer in this situation attempting to meet my payment obligation and my payments being returned by the mortgage servicer because it is inconvenient for their accounting systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX XXXX of State Recovery Systems, XXXX, left a message on my cell with a reference #, when I returned the call on XX/XX/XXXX, and asked what creditor they represented, Mile stated he needed further verification, and asked if he had the correct address on file ( which he did ). Given the fact that I had my email hacked recently, I said I would not offer any information, nor confirm my address. I asked hime to please give me access to their website/portal so I may see for myself. He gave me the reference number mentioned in the voicemail, and issued a pin. 

When I went online, https : //www.statesrecovery.com/, and input the the reference # and pin # it states I have a balance of {$290.00} and had my correct address HOWEVER no creditor was identified, only a way to make a payment. Given the fact that my address is correct, and in my experience, creditors try to reach you via mail first, AND I have yet to receive any outstanding bills, AND know I don't have any outstanding debts, I thought it seemed fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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:
THIS IS A FRAUD LOAN. I NEVER OWN THIS LOAN, YET IT KEPT SHOWING UP ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Money was put in XXXX XXXX XXXX in two lump sums deposits first was XXXX, XXXX ; XXXX dollars and the second was XXXX dollars bank close went to XXXX and now Wells Fargo we have the deposit slips and have spoken to Wells Fargos Bank with no success. They keep sending us to missing money this money wouldnt be in that category. We need help finding the money

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 2021-05-05
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect a debt that I have no knowledge of from a city I do not stay in, which has resulted in damaging my credit history, putting me further behind during a worldwide pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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 decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPTEDXXXX  XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$63.00} XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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