BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are having a major issue with Rushmore Loan Servicing. We were having having a Loan modification process through Rushmore London Secing Loss Mitigation Department. Oue Sole Point of Contact is Mr XXXX XXXX. On XX/XX/XXXX my husband XXXX XXXX XXXX received a call from Rushmore initiated by Mr. XXXX XXXX. XXXX XXXX started expressing his feelings how that XXXX people were being mistral ed by XXXX people. How XXXX were getting the end of the sticks. XXXX were being treated unfairly by XXXX cops. And he himself Was going through the same problem his loan house was being foreclosed on and so and so forth. When my husband told him that he was XXXX with a XXXX wife the conversation stop. This was the last conversation he had with Mr XXXX. Ever since our calls were not being answered we were ignored no matter how much we call no returned phone calls. We called Mr XXXX supervisor Ms XXXX XXXX no returned phone then Rushmore proceed to Foreclosed. My wife XXXX XXXX had to file for bankruptcy in order to stop the foreclosure. The process restarted and we felt that we were being played. No one at Rushmore wants to discuss any subject besides foreclosing. We finally got in touch with XXXX XXXX upper management for Rushmore and we explained that the investors wanted to charged off the mortgage since we have overpaid for the property before the market bubbled in XXXX. Our intentions is not to get a free bee we just want fairness now we are being foreclosed again on XXXX of this year. We need help and feel like we are being discrimated against because we are an interracial Couple. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: MO
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:
The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX ( XXXX ) 2. XXXX XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX ( XXXX ) 6. XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: AmeriHome Mortgage Company, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX of XXXX. I did not qualify for the homestead exemption deadline and the house property taxes were approximately {$5000.00}. On or about XX/XX/XXXX, I contacted my mortgage servicer providing the new tax amount for XXXX and requesting that they recalculate my escrow. The new taxes for XXXX ( as provided by proof from the county courthouse and sent to the mortgage servicer ) would be {$2400.00}. Shortly thereafter on or about the XXXX of XXXX, the mortgage servicer sent me a check for approximately {$2800.00} and improperly stated my XXXX taxes to be {$2400.00}. I contacted them, made them aware of the error they made, and I was instructed to destroy the check. On or about XX/XX/XXXX, I received a notice that my escrow balance was underfunded by {$1900.00}. On or about the XXXX of XXXX, I contacted the mortgage servicer and informed them that they sent me a check in error, that they needed to remit the proper tax amount to the taxing authority for XXXX, and that my escrow fund was not under funded. On or about the XXXX of XXXX, I was informed by the mortgage servicer that given my reduced property taxes that my monthly payment would be reduced to approximately {$1800.00} from {$2000.00} ( this is actually correct using the proper taxes for XXXX as I have provided them proof of same ). On or about the XXXX of XXXX, XXXX, I was informed by the mortgage servicer that my escrow account had been reanalyzed and that my new payment would be increased from {$1800.00} to {$2100.00}. The mortgage servicer was now using the incorrect XXXX property taxes of {$5000.00} not the reduced and corrected amount of {$2400.00} that was provided earlier by the me and supported by documentation from the county courthouse. In summary, my XXXX property taxes are approximately {$2400.00} and my total loan payment for XXXX with a properly analyzed escrow fund should be approximately {$1800.00}. I have spent endless hours on the phone, writing emails, and talking to representatives. This is plain and simple math. They should make the correct adjustment and move on. 

XXXX taxes were

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have several credit cards through Capital one ; I always make my payments online through their website, there have been several times when I have paid my due payment on the payment due date and have still been charged late fees and other fees. Their customer service reported to me, that if I dont pay the due amount by XXXX XXXX  on the due date its considered late and they charge me a late fee, many times its only a few minutes past XXXX XXXX. I dont think thats fair, I have several other cards Through other banks and none of them do this .. capitol one is the only credit card that does this. Over the years Im quite sure this has costed me hundreds of dollars in fees. Is what they are doing legal. 
My card numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Bread Financial Holdings, Inc.
State: MD
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:
Comenity Capital and I agreed to settle this account for {$1500.00}. The first payment of {$370.00} each month starting XXXX XXXX, 2017 ending with a final payment of {$370.00} received XXXX XXXX, 201 ( see attached bank statement ). The money was deducted from a debit card each month belonging to my mother, XXXX XXXX. As of XXXX XXXX, 2017, upon checking XXXX Credit reporting agency, the balance is being reported as {$1200.00}, when the balance should be 0. Attached are all documents needed to support this agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage, my property reclosure dismissed by, Judge, XXXX XXXX, Probate Justice System, on XX/XX/XXXX. 
XX/XX/XXXX, I was approved for HOME AFFORDABLE MODIFICATION AGREEMENT. 
From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo NEVER notified me, by letter, or served me any documents that my property was in forclosure from XXXX to XXXX, XXXX XXXX Circuit Court Probate Records does not have foreclosure dockets, after dismissal XX/XX/XXXX, Another servicing error from Wells Fargo, I complaint, in writing, XX/XX/XXXX, I requested itemized bill for charges of {$110000.00} added to the principle I owed, itemized bill per charge was given in lump sum. 
Final reply on XX/XX/XXXX, I still disagree with their reply. XX/XX/XXXX, I received a letter from a gentleman, XXXX XXXX, enclosed with his letter, copies of letter from Wells Fargo, addressed to my property address, XXXX XXXX XXXX XXXX, XXXX Florida XXXX, mailed to him, this letter containing personal information sent to Mr. XXXX, address in Washington instead tu us. 

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 2021-10-02
Company: NATIONWIDE ACCEPTANCE LLC
State: AL
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:
Despite my previous query letters to your department, the most recent XXXX XXXX I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " XXXX '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2017-07-29
Company: SUNTRUST BANKS, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A credit was issued for a dispute, claim XXXX, on XX/XX/XXXXin the amount of XXXX. The item in dispute, XXXX from XXXX, cause an overdraft fee when it posted on or aroundXX/XX/XXXXin the amount of XXXX. I was told any fees associated with transaction would be credited back once claim is resolved. Again, I see a credit was issued but do not know if claim is resolved in my favor or not. If so, I need overdraft fee credited back ASAP

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 2022-01-14
Company: EQUIFAX, INC.
State: GA
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 name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2017-09-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today, Equifax released a press release that there was a breach in there system from mid XX/XX/XXXXuntil XX/XX/XXXX. Around 143 million US had their information stolen due to unsatisfactory security techniques utilized by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello, On XXXX XXXX XXXX I sent a message to Coinbase through customer support telling them that I saw unknown Ip adresses trying to log into my account. I made clear that this made me worry, and asked them to, if possible, 'block ' all the other Ip-adresses except mine for my account. That was the only thing I asked for. 

The next day ( XXXX XXXX XXXX ), I already got a response. They said that my account has been locked now, until I am sure that my account is secure. They asked me to answer 4 questions so they can savely unlock my account. I think I did this the very same day or the day after. 

But until now ( XXXX XXXX XXXX ), I still did not receive any help or response for this case. I sent them multiple messages since then, I also called the customer phone number 4-5 for more than 1 hour  waiting without any response also. 

I feel very frustrated because of this, there is a lot of money on my account which I can not access now. This really should not be happening. 

Thank you so much for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello CFPB, I have attempted to resolve issues with XXXX, XXXX and Transunion for the last 60 days now. I have not heard a single response back, nor have I had any updates on my credit profile. This has gone on for far too long and I demand for your team to force the agencies to take action. 

The dispute information is attached in each letter.

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 2020-12-17
Company: ONLINE Information Services, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
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: Was not notified of investigation status or results

Complaint:
no response from the credit bureaus about my 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 2018-01-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We bought this property on XX/XX/XXXX for a value of {$74000.00}. Originally we take a mortgage loan of {$65000.00}. From XX/XX/XXXX to XX/XX/XXXX we had financial problems and we were unable to do the payments. Then on XX/XX/XXXX it was a established a new loan for the amount of {$72000.00} since that we made payments twice a month of {$670.00}. each. 
Now that we ask for the payoff because we are trying to get a new loan in another bank they are telling us that our balance is {$100000.00}. 
They send us an statement and there was not reduced all the double payments we made since XX/XX/XXXX up to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I been fighting with this company ( Capital One ) since XX/XX/XXXX they never send me proof saying this is my account ( XXXX ) I now have a charge off account reporting {$200.00} with late payments its stopping me using my credit I'm not able to get anything because of this account, if you can please help removing this off my credit report. 

XXXX XXXX {$200.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Late Payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: OH
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:
Hello CFPB, I have attempted to resolve issues with XXXX, Equifax and XXXX for the last 60 days now. I have not heard a single response back, nor have I had any updates on my credit profile. This has gone on for far too long and I demand for your team to force the agencies to take action. 

The dispute information is attached in each letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: I.C. System, Inc.
State: CA
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:
I received a letter from I.C.System, a collection agency, XX/XX/2021, demanding that I pay THEM {$59.00}, naming the creditor as XXXX account No : XXXX. I.C. System XXXX XXXX : XXXX. 
I called XXXX, talked to a representative called XXXX, who informed me they had NO information regarding the {$59.00}, and that my account was current. 
I called I.C.Systems XXXX XXXX XXXX XXXX to dispute the billing. The rep informed me that they had received the request from XXXX 14 days ago. Obviously, not true. When I called him a scammer, he replied " I'm sorry you feel that way ', and hung up Their address is : I.C.Systems, XXXX XXXX XXXX, XXXX XXXX, MN XXXX I don't have an account with you, but my e-mail address is 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 2022-01-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank charged me a XXXX XXXX dollar overdraft fee over pending transactions. Transactions that were not completed yet. They said I was not eligible for a refund. I am not working and need every penny

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08
Company: Miller and Steeno, P.C.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I may arrangements to pay XXXX dollars a month on debt with agreement to check in see if I was in position to make larger payments. Today XX/XX/XXXX I called to see amount still owed. The representative I spoke to asked if I could do a higher amount..I looked and offer XXXX a month. She said she would discuss it and call me back. When she did..she said she could only do XXXX a month.. my payment of XXXX a month was expired according to them, I had planned and budgeted for XXXX this month. She said she had to have XXXX this month or further legal action would follow. She stated that what she was setting up for that and if I did n't pay XXXX on XX/XX/XXXX I would default and more unpleasant action would follow. My original amount I owed was XXXX dollars after paying XXXX for over a year or better my total amount left to pay is was over a thousand. That was XXXX plus fees on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Franklin Collection has refused to remove debt from my credit file after I sent them numerous letters certified mail detailing that those debts are not mine. I have sent paper work with Affidavits and police report that the debt was n't mine but they refuse to remove it from my credit file. They are refusing to remove the illegal debt. I told them several times it was n't my debt but they insists on trying to make me pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Financial Business and Consumer Solutions.
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:
On XXXX/XXXX/17, I received notification from XXXX that a debt from a collection company by the name of FINANCIAL BUSINESS AND CONSUMER SOLUTION was verified as accurate. I have never heard of or entered into any agreement or contract with this company. I am requesting written proof of any debt that I have with this company. I am requesting the name, address, phone number, and a signed contract that validates this erroneous debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation