BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
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:
We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to Rushmore in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by Rushmore when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX Mortgage prior to transferring it to Rushmore, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to Rushmores Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. Rushmore strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
All charges from XXXX, XXXX XXXX, and XXXX were for products sent that were no way near their descriptions, were defective, faulty and caused injury. I went through these companies fake " dispute '' process which just protects XXXX. I spent a lot of time making videos, taking pics and writing up a lot, not to mention getting third party written opinions of the condition. They should have all been refunded but Chase just really dropped the ball. I kept calling and writing Chase over 40 times in past year and resubmitting the evidence and never got one uncanned reply. They did nothing. This is not protection at all. The charges add up to 9k now. I kept the acct open so they could fix it and want this stuff returned. XXXX did not want to pay for return shipping. They are treadmills that are super broken and the dimensions are 4 inches shorter on the belt than said. That makes a huge difference and they caused injury. Also the computers didn't work, bearings, belt rungs, and much more. The shoes ordered fell apart from just opening. They were all made super shotty and not like the pics. The vendors all claimed to have 100 percent warranty and guarantee and it was 0 percent. Why is Chase defending XXXX when the evidence was so blatant? Is Chase funded by XXXX? Chase acted very negligently by not honoring their contract for purchase protection.Main menuOpen main menu FeedbackOpens new window MessagesYou have 4 message ( s ) : shows content below. More messages may appear after some time.4 Open an account : opens menu Chase Private Client logoAccounts SearchSearch : Need anything? Just ask. 
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Inbox ( 11 ) Sent messages, current selection Special offers Go back to the top of the menu.Previous message Sent messagesOpens information dialogue : Sent messages New message My messages Date DateSorted descending To To, not sorted Message Message, not sorted XX/XX/XXXX Chase Online Re : Account Inquiry XX/XX/XXXX Chase Online Account Inquiry XX/XX/XXXX Chase Online Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry Attachments XX/XX/XXXXChase Card Services Account Inquiry Attachments XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Card Services Re : Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Card Services Re : Update to an existing dispute Expiring soon

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, I noticed Amsher on my XXXX XXXX app. There was minimal information listed. I looked up Amshers number and contacted them. I spoke with a female representative who told me that collection was for a debt from XXXX XXXX in the amount of {$780.00}. I have never heard of this company and told the representative that I have not had an account with them. I asked for additional information such as a service address or date of the debt but no additional was given to me. The representative said I could call back to dispute the account. 

Amsher did NOT contact me prior to placing the debt on my credit. I have received no written notice and have no knowledge of this account. By law, I am the right to receive a notification of collection as well as a right to dispute. I am suppose to be given 30 days to contact Amsher, which I was not given. 

Due to the violation of my rights and questionable business practices by Amsher, the account is being disputed, however, I am request that this account be removed from my credit reports IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
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 previously paid my XXXX  account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX  Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX XXXX XXXX. I have been illegally Discriminated against with these ruthless tactics by XXXX XXXX  who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX XXXX and Crown Asset Management. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX XXXX Bank lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also  update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by XXXX  and Bank and Crown Asset Mgmt through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
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: Their investigation did not fix an error on your report

Complaint:
My husband and I have tried multiple times to put in disputes with Experian for the mortgage information from XXXX, XXXX.. The latest was XX/XX/XXXX for myself and XX/XX/XXXX for my husband. We previously filed complaints through CFPB last year to fix the reporting on our other credit reports and they responded that they would. Nothing for Experian has changed. I filed a previous dispute of this information with Experian in XX/XX/XXXX after I realized that the information still had not been updated after the 45 days from the letter we received from XXXX, XXXX XXXX, XXXX incorrectly reported that we were late on our mortgage XX/XX/XXXX, XX/XX/XXXX, XXXX 2016 and that it was closed in XXXX 2016. We signed over the property in XX/XX/XXXX for a deed-in-lieu of foreclosure and provided that documentation to Experian along with a letter from XXXX, XXXX that they were going to submit the change to the credit bureaus. In this letter it also provided our payment history. According to their own admission XX/XX/XXXX, XX/XX/XXXX and XXXX 2016 should be removed as being late since we no longer were in ownership or attached to the property. I 've been able to fix XXXX and XXXX to a point but Experian does not seem to really review the information we are providing.

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 2018-02-27
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage overpaid my Real Estate Taxes for XX/XX/XXXX as they paid them early in XX/XX/XXXX. A refund check was sent back to them on XX/XX/XXXX. The refund amount has still not been applied to my escrow balance, which has caused my monthly payment to increase by over XXXX , because by them overpaying the taxes, it wiped out my escrow balance. My complaint is that it has been over 2 months since they received the check according to my County Tax Assessor, but Freedom Mortgage has no knowledge of the refund being received.

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 2019-08-18
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in a car accident in 2017 XXXX XXXX XXXX paid their portion and Santander was going to pay the remaining balance of my Loan with my gap insurance. Prior to the car accident I was never late I never had a late payment with Santander once the gap insurance was paid I was left with a balance of $XXXX which should have been included with my gap insurance. I was not aware of the peanut not being included so it was late I called into customer service several times trying to get this resolved I'm looking for the late payments to be removed off my credit report it's unfair it's not right I was never late prior with this company I always  paid on time. Recently I learned that the company had a lawsuit regarding gap insurance and customer complaints I received a check for compensation nothing has been done regarding the late payments on my credit report.. I found a complaint with a different company and Santander sent me a letter stating that the late payments will be removed and my credit report will be updated and 30 days it's still showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: Strategic Alliances, Inc.
State: UT
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:
1ST FINL INVSTMNT FUND Is reporting a debt that I do not owe. I have no idea what this collection debt is. I have never received any phone calls, collection letter, nothing! They added this to my credit file and they are in violation of my 30 day right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was going to book a flight on XXXX for my daughter. Because of the high price I decided to accept the XXXX $ of your ticket by applying for a XXXX / AAdvantage Platinum XXXX card. I applied and was approved. 

I then learned it will be XXXX days to receive the card but I need to purchase the ticket within XXXX hours. 

I could n't find a number at XXXX that could help, but was able to communicate via twitter. They told me I needed to wait for the card to arrive before I could use it. 

I was told I would get XXXX $ off the ticket, but that is not possible. I wo n't get the card in time to purchase the ticket. This was false advertising implying I would get XXXX $ off this ticket.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear Sirs/Madam The last late payment for this account XXXX XXXX XXXX occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XX/XX/2020 at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards

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 2020-10-24
Company: Experian Information Solutions Inc.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX   XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, 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 2018-02-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I spoke with this company about my student loans. I want a receipt of my taxes they withheld. I had no idea I was in default as I was getting ready to go back to school. Never the less, this collection company, XXXX XXXX XXXX, will not send me the paperwork to start rehabilitating my loans. They want a copy of my tax return. I want everything in writing before I send out my personal information this this company. They told me that without a copy of my tax return, they won't help me. I find this to be a fraudulent action. Also, I am not overpaying for collection fees. This has been a huge mess. Please help.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and Experian are fraudulent on my account XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # 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 2020-09-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt is 7 years old they keep reporting that account to the credit bureu.

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 2020-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 Cap one cards - only because 1 of them used to be a household credit card of which Cap one took over. This household cc had an annual fee. Once it was taken over by Cap one, I had called and asked that it be converted to a no fee card or to close the account. This was many years ago. Cap One said they could not convert it to a no fee card due however, I could call and ask that the fee be waived once billed each year. If this had not been presented to me as an option, i would have closed the card years ago. So every year I call and ask for the fee to be waived and now, this card has been open a long time and I do not want to lose the history of this card. I called on XX/XX/XXXX and XX/XX/XXXX to ask for this fee to be waived and they are stating they are unable to waive the fee and on XX/XX/XXXX suddenly there is an option to convert to a no fee card however, I would still need to pay this fee. I asked if they would waive this fee and convert me to a no fee card but they refused. At this point I am ready to close both of my accounts. I keep them only for the history and for emergency purposes. I have always been a good customer with no late payments. The agents are ready to close my account instead of waiving my {$39.00} late fee. The agent today ( XX/XX/XXXX ) didn't even seem to care and did not offer my the conversation or counter with any benefits. I work at Citi in our complaint management group. I have been with Citi for 30yrs and yet I still choose the Cap one card. I understand complaints and understand options that can be given to customers. I understand service excellence and pretty much everything about Credit Cards. The service I feel that I received both on XX/XX/XXXX and XX/XX/XXXX makes me feel like I am NOT a valued cardmember and I am ready to close BOTH accounts with Cap One. Please review and let me know if there is anything you can do to assist. I am willing to accept the conversation to a no fee card but also then want this fee waived if I am converted to a no fee card. It would make 0 sense for me to pay this fee for benefits that I would no longer have because I would be converting. Help me understand that LOGIC!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-07-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Your website states that " Payments that are scheduled with an effective date after the first 10 days of your grace period will be charged a {$5.00} fee. '' I believe this constitutes a " pay to pay '' type of structure. 

Charging a fee to pay by web is a generally unallowable practice. I would like an explanation as to why PennyMac charging a fee is appropriate for using their online service based on what day of the grace period you schedule your payment for. I would expect I could pay online on the XXXX of the month ( within my grace period ) and not incur an additional expense. 

Potential UDAAP impact. This may be a stretch considering you do disclose the fee on your payment interface, but I wanted to add this considering the regulatory definition of UDAAP is rather vague.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PNC won't allow me to link my bank account to XXXX. This makes it impossible for me to use the app without setting up a new bank account.

Company response to consumer: Closed with explanation