BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
Company: ProCollect, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX I moved into XXXX XXXX in XXXX XXXX , Oklahoma , in XXXX I have bed bugs from apartment complex, I call manager &  tell her, next day she has a note on my door telling me on which day an exterminator is going to be out & I owe {$360.00} for exterminators. I look on my lease & lease states " Tenant may or may not be charged for exterminator, I take lease to her & ask what factors in the do or do not pay? she asks owner, owner tells her " if Tenant gets a letter from last landlord stating Tenant nor last Landlords home had them then Tenant does n't pay ' I did get a letter from last Landlord stating we did n't have them so that settled that issue. also I was pro active & called numerous Exterminators & everyone told me it does n't do any good to spray 1 apart. they will go to attached apartments & end up coming back to mine & have to start the process of exterminating all over. I told apartment manager their not spraying unless they can assure me the other 3apartments are getting sprayed, she would not do that. In XXXX I get an eviction notice on my door & it stated I owe their Attorney fees. I retain an Attorney we go to court XXXX XXXX & Plaintiff Dismisses-Settled case, I move out. I apply at an apartment complex in XXXX & find out XXXX XXXX turned me over to a collection agency for a Bogus issue I left that Apartment complex paid up as you can see in the documents I 'm sending, my rent I paid in XXXX & the agreement in the courthouse on the XXXX was for me to be out of premises within 7 days & I was out. I owe nothing & this adverse account from XXXX XXXX is BOGUS!

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 2020-12-17
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TD BANK XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: NJ
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:
This is not a duplicate complaint, please do not flag this as such. 

I am XXXX XXXX, and I alone, am submitting this complaint. 

I am not willing to be the middleman in this issue, as it is ultimately between you ( XXXX ( XXXX  ) ) as a Data Furnisher and the CRAs ( Equifax - today ). 

The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. 

Please let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. 

This complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( XXXX ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. 

The responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX & XXXX FICO Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX  as XXXX  FICO Ingredients, the source. FICO Scoring calculations, are not different for each CRA. 
Payment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. 

IT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. XXXX is in acceptance of the demonstrative issues in this complaint, or any previous. 

I have attached a Document - with screen shots of the accounts and from Equifax. 

The DOFD/FACRA date, Pay History, Balance History ( or lack there of ), Available Credit ( on supposed Closed tradeline ), Debt To Credit Ration ( on a supposed Closed account - etc - are the complaints, and from a FDCPA - FCRA state with the Creditor/Data Furnisher and the the CRA 's. 


Please Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. 

The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. SDLC in theory verifies the true expected results XXXX is saying is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Rushmore Loan Management is claiming that i have over XXXX in late payments. I have made every payment in full since I got out of my bankruptcy case. They are claiming that I am late with my XXXX XXXX payments. My statement stated that I owed XXXX for that payment, which was due on XXXX XX/XX/2021. On XXXX XX/XX/2021 I mailed a cashiers check for XXXX to cover that payment. on XXXX XXXX they cashed that check and credited that payment to my account. I was even sent an email that my payment was posted to my account My next statement on XXXX XXXX reflected that they had received and posted that payment to my account. and, that my next payment due on XXXX XXXX was XXXX. I paid this amount via cashiers check that was posted to my account on XXXX XX/XX/2021. 
On XXXX XXXX I received an automated call that my payment of XXXX was late. I tried to call them and got no answer after waiting on hold for a long time. I used their messaging service to tell them that I was not late with that payment and attached copies of the check, statements and a copy of the email that confirmed that they received my payment. 
My next statement dated XXXX XXXX showed that they had removed the payment of XXXX from my account and the total due for that statement was over XXXX. ( The supposed late payment of XXXX, the current payment of XXXX and a late charge. ) I have sent numerous messages with copies of my statements, canceled check to every office that I can. With the only response that they are saying they took over the mortgage during the bankruptcy and it was two payments late. That may be true, but that was cleared up by the bankruptcy court and Rushmore and I was paying with was reflected on my monthly statements. They are not properly crediting my account and now threating me with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CL Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: WELLS FARGO & COMPANY
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 non-monetary relief
Consumer complaint received 2017-11-20
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi, There are XXXX hard inquiries on my XXXX credit report from Chase Bank. I have not and would not apply for a credit card from this company or any other company, expressly knowing that my credit score is very poor and therefore I would not get approved for a credit card. I feel that this is due to Identity Theft of some sort. There is also an address on XXXX XXXX that I have never lived on. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well 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 2020-02-26
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX : Sent contract to Loan Officer XXXX XXXX. Asked to apply for Conventional Loan. XXXX advised that XXXX qualifies for FHA loan and we should try that first because of lower closing costs, lower interest, lower monthly payment. 
XX/XX/XXXX : XXXX collects {$350.00} for appraisal fee. I request to put a rush. He agrees. 
XX/XX/XXXX : Still no call from appraiser. I escalate the request ; no call back from supervisor. 
XX/XX/XXXX : Processor is waiting for FHA addendum before ordering appraisal. I provide it upon request. 
XX/XX/XXXX : inquire if appraisal has been ordered. XXXX XXXX Loan Processor says there is an existing FHA case number with XXXX XXXX XXXX that needs to be transferred to Key. 
XX/XX/XXXX : no response from Key ; I request to cancel the application and refund appraisal fee. Supervisor XXXX XXXX reassigns the case to a Senior Processor XXXX XXXX, and puts a rush on the file. She explains that they must use the appraisal from the last FHA case. They overnight the {$350.00} to XXXX XXXX XXXX. The appraisal comes in a week later. XXXX agrees to issue a conditional commitment contingent on the appraisal as all other conditions have been met. 
XX/XX/XXXX : XXXX XXXX asks for college transcripts, letter of good standing with XXXX XXXX. Knowing he has a 1-year work history and was a XXXX XXXX XXXX in XX/XX/XXXX, ( which would disqualify the borrower from FHA ), she confirms the check was sent to XXXX XXXX XXXX. 
XX/XX/XXXX : The FHA loan is declined because the borrower does not have a 2-year work history. XXXX works to convert to conventional loan. XXXX tells me there will not be another appraisal fee. 
XX/XX/XXXX : The appraisal is put out to bid. No updates on appraisal for a week. 
XX/XX/XXXX : A third manager gets involved and tells me the file was not in " rugh '' status until she just became involved. 
XX/XX/XXXX : We are informed that XXXX XXXX put a hold on the appraisal on XX/XX/XXXX due to lack of payment, but she did not inform anyone. I am told by XXXX XXXX that the loan is at a standstill until the borrower send another {$350.00} to Key. 

We have obtained 3 mortgage contingency extensions. The seller is no longer willing to wait. Key Bank is not processing the loan. 

I asked Key if all the other conditions are met satisfactorily before sending additional funds. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint concerns my mortgage servicer Select Portfolio Servicing. In the past I have had many accounting issues with this servicing company. I am currently many payments behind on my loan due to their modification process and subsequent denials.
I have recently been approved by Select Portfolio Servicing for a Repayment Plan.
The plan consists of 12 payments of {$2700.00} with a balloon payment of {$83000.00} after the 12 payments. My Concern yet again is with their accounting. I need to know before I make these payments where this money is going. I need the breakdown of what is going towards fees, what is going towards principle, and what is going towards interest. I need a break down also of the balloon payment. I need to know what I will owe after this plan is completed. What will the remainder of the mortgage be?, unfortunately if you do any kind of research online of this company you will see that they have some shady practices. I could refer you to many websites with hundreds of complaints all referring to the same problems I 've been having. XXXX XXXX XXXX XXXX I have many times tried to suggest to the that they work with me on a Priciple reduction so that I could have everything under one payment. That to me would make things much easier and affordable to me. I 've been struggling with this Servicer since XXXX 2013 when I first tried to get a modification. I refer you to how much money they got during the bailout of mortgage companies. XXXX XXXX XXXX I was never offered any kind of principle reduction and was lied to during the modification process leading me to fall far behind on my payments. I want to clear this up and retain my home but I also do n't want to be lied to or tricked out of money again. I need to know exactly how these payments are going to be processed even before I make the first payment. They are denying me this saying I need to make the first payment before they know. I do n't trust them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My debt was sold to Ad Astra from XXXX XXXX. I sent a cease and desist to Ad Astra via mail and fax XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, KS XXXX-XXXX  & at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX-XXXX  and via fax at XXXX to inform them I would settle my debt with XXXX  XXXX and awaited a return notice, I never received a return notice that they would not proceed. I sent all 3 methods to ensure they got the notice. However, Ad Astra put a debt on my credit that I do not have with them and do not wish to proceed in recovery with them. I have not moved forward with XXXX XXXX because I can not afford to pay XXXX XXXX and the collection company. The collection company has disregarded my notices. I have resent to them certified mail XX/XX/XXXX and will get confirmation from the post office of my previous mailing to provide to your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX # XXXX {$240.00} This account is unknown to me. I have disputed this account to Trans Union on as many as ( 5 ) times since seeing it on my credit report. I have reported this unknown account to the FTC and was provided with an Affidavit case number XXXX on XXXX XXXX 2015. 

Pursuant to the FCRA and the FDCPA I now exercise my right to question the validity of this debt you claim is verified but yet I have received the FULL validation documents as dictated in the creditors debt collection declaration and is due under the Fair Debt Collection Practices Act section 809 Validation of Debts. It is not just that the Trans Union can state that they have verified a debt that I know is not mine and therefore can not be validated as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). I request that Trans Union please forward their FULL Validation package to me by mail.

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 2018-01-09
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home flooded during Hurricane Harvey. I have flood insurance even though it was n't required. Suntrust is my mortgage company and it has been nothing but misdirection and half truths to deal with them. My home is 97 % repaired, they require 90 % or greater to realease additional insurance funds. I spoke on the phone today to a manager and he informed that the remaining countertops were structural and until the contractors paid invoice is submitted and the home is inspected again, no money will be released. Everytime I speak to Suntrust reprensentatives they tell a different story. They have made the process of getting my insurance money worse than the Hurricane was.

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 2018-01-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, my bank account (XXXX XXXX) was compromised, so I contacted Coinbase about it. As the result, they have frozen my account for the period of 4+ months. They have charged my bank card on file automatically for $XXXX (causing overdraft fees and depleting my account) and also frozen the Coinbase account with funds in it.I have spent 5 months contacting Coinbase. I have spent 50+ hours of call time, e-mailing (Coinbase was e-mailed more than 200 times). Nobody has ever resolved my issue.At one point, I was told that I will not be allowed to use the site, then I was issued an apology and told they will soon refund all the funds and unlock my account. Now, there is absolute radio silence.As of today, XX/XX/XXXX, I still do not have access to my account or funds.I am beyond upset and broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
Those accounts are not my accounts

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 2020-02-26
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
https : //www.nationalrecovery.com/ Company failed to send written notice of intent to collect a debt, even though they had address on file. 

Collections opened XX/XX/2019 for {$130.00} without notification Multiple attempted phone contact through number not connected with company, meaning anonymous phones calls were being used by collector to document illegitimate attempts to contact ; failed to leave any message identifying caller and purpose of call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation