BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I previously filed a complaint against Rushmore through CFPB Case Number XXXX. Rushmore closed the complaint out with a reply, but the reply does n't make sense and leaves all our issues unanswered. <P/>The following are in Rushmore 's own words under quotation that prove that they are not being straightforward : 1 ) The {$44000.00} .. is the amount comprised of thirty-one past due principal payments. ; This amount would need to be added to the current unpaid principal. Obviously, if you add principal payments on top of unpaid principal then you are trying to collect principal twice.
<P/>
2 ) Rushmore advised you that the investor did not approve a modification outright ; Rushmore is unable to provide you with a breakdown of the modification terms because it has not yet been underwritten.. If these are true then we need to wait till the modification review is complete and the modification is definite. Why are you asking me to pay money upfront on a trial stipulation that will not prevent foreclosure? What will so suddenly change after the trial payments? I clearly see this as an attempt to collect money and still force foreclosure.
<P/>
3 ) Rushmore has acted in good faith and is in full compliance with all modification regulations ; At this time, the loan is still in modification review status. How can you be in compliance and still be in modification review status?
<P/>
I need clear written answers to above so Rushmore and I are on the same page with regards to this modification.
<P/>
4 ) IMMEDIATELY : Rushmore needs to immediately send us the check for {$1600.00} so that the roofing contractor can be satisfied. If the roofer puts in a mechanics lien which he is now entitled to put ; the entire modification process will be compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought a new XXXX XXXX XXXX  XXXX XXXX from Toyota of XXXX, Texas dealership on XX/XX/XXXX. I had a good credit score of XXXX. 
I had a very unpleasant customer experience for the rate which was offered to me of 3.99 % which is way too high. I had put down cash for {$10000.00}. I also have a loan with Toyota Financial Services with 0.00 % APR and almost be paid up by XX/XX/XXXX. 

The disclosed rate for XXXX brand interest rate is 1.99 % and it does not specify clearly which one. The XXXX XXXX  is a very new addition to the XXXX XXXX  and thus opened the possibility of extortion. 

At this time my rights have been violated and am feeling being deceived and to avoid embarrassment I had to forcefully accept against my XXXX since there was no other option at the table. I was told If I back out I would lose my deposit of {$1000.00} which I had paid last week on XX/XX/XXXX. I had made it clear at that time I would be financing. 

I was not informed of my rate earlier, which would have been applied which would have enabled me to make an informed decision and thereby it is a violation of the Federal Act of " The Truth in Lending Act '' which helps protect consumers from unfair credit practices. All the above took place at the time during the last stages of signing and when the vehicle was to be taken out. Had I got to know earlier I could have tried getting a loan from outside and especially thru my employer which was offering at a far lower rate plus my employee discount rate. I was looking forward to the interest rate to be offered by Toyota which at times are far lower. 

I reached out at my grievances on XX/XX/XXXX to the Finance Director of XXXX XXXX and also XXXX -Relationship Manager. I had also lodged a complaint with Toyota Financial services and their customer service reached out - XXXX Case # XXXX dated XX/XX/XXXX and till date there has been no resolution. 
After reaching out Toyota Financial they said it was soley at the discretion of the dealership and rates are fixed at their end. Reaching out to the Toyota of XXXX dealership they are unable to assist and not able to arrive at a decision where they entirely violated the truth in lending and victimize their unknown customer intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: We Collect Inc
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from a third party debt collector about a debt that I have already went to court on and received judgement against me on in the amount of XXXX and it stated that this balance was accruing interest at the rate of 29.99 percent. I called this company on XX/XX/XXXX to let them know I have a legal judgement on this debt and it is only allowed to accrue interest at the rate Idaho allows, which is 5 percent plus the base rate Of XXXX. The company stated they do not have any information about the judgement and that it will remain at the 29.99 percent until I sent them the paperwork from the judgement. I sent that paperwork on XX/XX/XXXX and then called to get status on XX/XX/XXXX since previous emails asking about status we're going unanswered. I again told them that it was in the courts of Idaho and according to Idaho law any judgement can not accrue interest more than 5 percent plus base rate. The lady then told me the client told her to charge me the 29.99 rate anyways regardless of the judgement so that's what they will do, and if I don't pay they will sue me again on this same debt that I was already sued on, and if I get an attorney good luck and just let them know the name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent a letter to this company to get debt validation for this account and they never responded and there has been no update to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: ID Analytics, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I attempted tp get a small loan ( + {$8000.00} ) for a used car for my son so he could establish credit. My score on the other major agencies was XXXX. This is my normal average. My credit is exemplary and I pride myself on that. 
So far I have been denies by 3 companies, the last being XXXX. It seems that a company called XXXX, XXXX has reported my credit score at XXXX and has labeled e a risk! Who is XXXX and why do they have any right to check my credit? 
This is embarrassing!!! I could easily write a check for the remaining balance nut I am trying to teach my son the value of a dollar. 
I would appreciate it if you could check out this company and what is wrong with just relying on the 3 major credit bureaus?? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I refinanced into my current loan in XX/XX/XXXX. We were very conservative when taking out this new loan because our home is our families biggest investment. At that time we were a 2 income household and the increased payment was very affordable. Several years later, my loan was assigned over and over again to many banks due to them going out of business after the mortgage industry imploded. We stayed current and always communicated with our new banks. A couple years ago my husband was laid off from his job of several years and our now adult children were able to help out with our household expenses. We maintained until my son was in a car accident and was unable to work. We incurred expensive medical bills associated from this accident. This along with lessened work hours for me at work and the lack of income from my husband caused us to fall behind. We were now with SPS and this is when our troubles began. We reached out for help with our missed mortgage payments and in XX/XX/XXXX we applied for a modification. I was unable to complete the application due to not having the documents they were requesting. Our hardship was still very present-my husband still looking for work and my son 's therapy expenses taking a big chunk of my now full time income. As of today we are all doing much better. My Husband has found a great job and I am full time, my son is almost back to his old self. We reapplied for a modification on XX/XX/XXXX and shortly after I received a letter from SPS denying me for all retention options because we have a foreclosure sale within 27 days of the date of our application. This letter was dated XX/XX/XXXX, one day after they received our application- it was not reviewed at all just denied. When I called into SPS to go over the details of the denial I encountered a very rude representative that was just compassion-less. She was very difficult to speak with and combative when I asked her basic questions about my application. Again I am just seeking clarity on this denial as I do not do this for a living. I was reminded about how we applied last year and the file was incomplete. The representative basically advised that they are unwilling to help me today because there is a sale date on my property, that they already offered me a review and I didnt complete it. That was last year and my circumstances today are better than they were last year. I felt as though this person was very unnecessarily rude towards a homeowner that is only seeking to keep their home. I submitted a complete package and it wasnt even reviewed by them after all of our troubles this was very un-expected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
Equifax has been reporting inaccurate information since XX/XX/2021. The amount the company says I owe is {$89.00}. I disputed this negative account multiple times. The negative account is still on my report. 
Equifax is the only company reporting this negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: ALLIANT CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Alliant credit card supposes to make a 2.5 % cashback on all purchases made before XX/XX/2020. Alliant Credit Union changed the policy to limited cashback to {$10000.00} per statement period starting on XX/XX/2020 on a letter dated XX/XX/2020. 

On XX/XX/2020, I make a charge of {$9900.00} on my credit card. They posted my transaction on XX/XX/2020. So Alliant didn't give 2.5 % cashback for all my charges from XX/XX/2020 to XX/XX/2020, as my purchase for the period is over {$10000.00}. Alliant included a charge I made on XX/XX/2020, of {$9900.00}. But this charges should be excluded from the limit as it was purchase before XX/XX/2020. 

They state that the transaction made on Thursday  normally take couple of days to post, but when I look through my transaction, there are transaction made on Thursday that posted the same day or the next day. 

I called Alliant Credit Union regarding this and they were not able to give me the cashback on my XX/XX/2020 transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me.
I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible?
I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate
information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I am asking for a complete removal of this account from all three of my credit reports immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: KS
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:
I had {$5000.00} XXXX Student Loan forgiveness on XXXX process through on my Navient loan, and came to find out later that {$4900.00} of that was applied to principal and {$30.00} was applied to interest, all to the oldest student loans with the lowest interest rate. I called when I realized that and asked that it be applied to the loans with the higher interest rate and asked why {$30.00} was paid in interest and not all to the principal. The representative from Navient could not give me an answer and after repeatedly asking it be changed they hung up on me. I have called since and never been given an answer and it has never changed. I am certain I have been paying way more in interest due to this mistake then need be, and could possibly have my loan paid off by now because of the extra interest I have paid from the forgiveness amount being applied to the lower rate loan and not the higher rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I deposited {$200.00} as a security deposit for a Secured Student Credit Card with Capital One. I received the card today XX/XX/2022 and tried to activate the card. The online activation link directed me to call Capital One to complete the activation. The representative at Capital One informed me that my cellphone could not be used to verify my identity and that I would need to upload a copy of my license or I'd card. My id has been lost and they informed me that the card can not be used until I provide id. 
I requested that the card account be cancelled and the {$200.00} deposit be refunded to my bank account. Capital One stated that I would receive a check for the deposit in 14 business days. I requested that the money be put back in my bank account because I can not cash a check without id and I need the money on the card to get my id. The money has been tied up with Capital One for over a month already, I am a student with limited financial resources. This is causing financial hardship for me because I can not access my money that I deposited in good faith for use of the credit card. I verified my identity when applying for the card with my social security number and birthdate. My telephone number was accepted by Capital One to get the funds and other text messages but now it's not accepted to use the card. 
I would like access to the card or have my money credited to my bank account. I did not use a check to deposit the funds and I should not have to accept a check for the return of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 just got a letter from wells fargo about a dispute that i have received. They told me it was me, when i was clearly out of the country for 2 months. They said the signatures matched .... I ALWAYS SIGN THE BACK OF MY CARDS ... this is also Wells fargos fault because they did not check for ID at the store. I always place a note on the back to Check for ID and also I SIGNED THE BACK OF MY CARD. that is why the signature matched ... the thief just copied my signature. I really dislike wells fargo ... That is why i never would bank with them again .... I have tried to reach out to wells Fargo multiple times but no luck getting to anyone who wants to help me. I really hope XXXX XXXX changes to a different bank ... i

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 2018-01-03
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
"Diversified Consultants" has contacted me twice to tell me that I owe XXXX XXXX and demands that I pay it.  I do not owe XXXX anything--I have called them and they stated that at no time have I ever been late on a payment and have no outstanding balance with them.  They have also stated that they have never reported me to any debt collector.I informed Diversified Consultants of this and they were rude and hung up on me after threatening further action.I reviewed XXXX online customer support forums and this seems to be a recurring situation with "Diversified Consultants"--they contact XXXX  customers in an attempt to collect imaginary debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had some low interest credit cards that I was using for my business but the rates quadrupled overnight and made it so i could no longer afford to make the payments. This rate hike was not something that was ever disclosed to me and it should not be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
JP Morgan Chase bank double charged my account for ACH service fees for XXXX XXXX years. The total overcharge was {$1100.00}. They agreed that the charge was in error and promised the funds would be returned in 24hrs. That was 2 weeks ago. After several calls, they claim they are continuing to research the problem and have moved it to the executive level and cannmot tell me when the funds will be returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: Resurgent Capital Services L.P.
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 filed a dispute with company asking them to verify my debt.The representative could not pull up my account because the account is not linked to my social security number. This account was opened with another social security number with a person with the same name as me. I've disputed this with the company several of times. When asked to provide my written signature giving consent to the application for this line of credit all I receive is statements with another social security number. I have disputed this for two years and there has yet to be a resolution.

Company response to consumer: Closed with non-monetary relief