BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were denied a Modification Acceptance from Rushmore Loan Management even though the XXXX XXXX Guidelines say the Servicer must follow all waterfall actions in any XXXX auctions bought by investors. 

The Denial Letter should follow The guidelines for principal reduction are that your LTV has to be less than 115 %. 

Also There are no requirements for a deposit. And we are being denied in the letter for not offering a good faith deposit. 

Finally The Servicer Rushmore has violated RESPA by not providing us with the NPV inputs. 

This is a total & complete failure to comply with the XXXX XXXX bidder requirements and of the Servicer Rushmore Loan Management as well as all of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: AmeriCash Holding LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Recently it came to my attention that XXXX XXXX XXXX, XXXX dba AmeriCash Loans, XXXX XXXX XXXX XXXX XXXX, WI XXXX entered a Summons and Complaint Small Claims against me on XX/XX/2018. 

AmeriCash Loans headquartered at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. XXXX did not officially notify/serve me said summons and complaint by certified mail, registered mail, nor official process server which is dictated and outlined as an official procedure in debt collections in the State of Wisconsin. 

Also, I did not receive official notices/letters ( as mentioned above ) from AmeriCash of the Right to Cure Default of said payday loan within the past 2 years leading up to this complaint.

Nor have I received to date an official notice of said summons and complaint filed in the State of WI Circuit Court, XXXX County, Case No. XXXX which is presently pending against me at this time of writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recently been looking into repairing my credit. While doing so, I came across a collection on my credit from Ability Recovery Services which stated that I have a balance of {$2400.00}. I have no knowledge of this debt, It has been on my credit reportedly since XX/XX/XXXX. I have not received one letter or call about this debt. On XX/XX/XXXX, I sent a certified letter requesting the validation of this debt. On XX/XX/XXXX is when they sent me a letter responding with a breakdown of charges related to this debt, no contract binding by me and this creditor, no signatures exchanged, or nothing of the sort. I am not aware of this debt.

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 2019-07-18
Company: Turning Point Solutions LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They some how got ahold of my parents phone number saying that they were looking for me concerning a debt amount. They disclosed my personal debt information to my parents which really upset me!!!! Then when I called them they said that I had to set up a payment plan right away of legal action was going to be taken. I reluctantly set up a payment plan but ending up no having the amount when it was going to be due. I called them to tell them that I wasnt able to make the payment. They again threaten me with legal action it it wasnt paid. I stated to stop calling me and that I would be able to pay the balance in full in XX/XX/XXXX. I have told them to stop contacting me and my family both via email and via phone message. They call me 1 time a week and have been doing this for 2 months. Its very frustrating. I have never received and paperwork via USPS stating that they want legal action and this account isnt even reported to any of the 3 credit bureaus. I understand that I owe the debt and I plan to pay it when I get the money. But repeatedly calling me and threading me with legal consequences doesnt make me want to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
incorrect information reported XXXX XXXX 2017 by XXXX  and transunion.

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 2018-01-15
Company: EQUIFAX, INC.
State: NC
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:
Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that XXXX XXXX XXXX aka XXXX sold this debt to XXXX XXXX and that was done on XXXX XXXX 2017. Now we received a debt letter which we received the XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to XXXX XXXX being added to my credit report ( Equifax and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for XXXX XXXX is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX )  however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I am the cosigner of a vehicle that was leased through GM financial. The account number is XXXX. The lease was terminated early and I was NEVER NOTIFIED of this said termination. I was not sent any information from the dealership or from GM financial. This is illegal to not notify me of a lease termination. I was receiving monthly bills during the lease to ensure the payments were being made on time. I received notification via email through my credit report stating that the said account was closed and that there was a {$0.00} balance on XXXX XXXX, 2019. On XX/XX/XXXX I received an email stating that on my credit report that the account was re-opened with a balance of {$4800.00}. The account was finalized on XX/XX/2019 but I was still NEVER NOTIFIED of any of this. GM financial should have notified me of the closing of this account as well as a remaining balance as it is their vehicle. The primary on the lease should have never been able to trade in the car or walk away without paying the over mileage or the last two payments on the lease. This was all done without my knowledge. Someone XXXX up and dropped the ball and now they are re-opening a closed account. I have the emails stating the closed account and the {$0.00} balance. THIS IS ILLEGAL TO HAVE NOT NOTIFIED ME!!!!!!! I have called an attorney as to the legality of not notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: LJ Ross Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
To Whom it May Concern, I was having major difficulty paying my bill due to landlord not providing gas heat and not allowing XXXX to access electric meters resulting in large billing adjustments. Weve received bill over {$1000.00}. Despite this and loss of employment, I still tried to pay XXXX. Thankfully, public assistance helped pay for the majority of the past due bill. I was in communications with XXXX, letting them know that I was not working and applying for public assistance. Even though a payment was made to XXXX they still sent my account to collections and did not they did not properly notify me that the account was going to collections. Details below : A payment of {$1000.00} was made on XX/XX/2019 to XXXX. On XX/XX/2019, XXXX sent the account to LJ Ross collections for {$460.00}. I was out of work and in the process of getting public assistance to have this bill paid, which I let XXXX know ; however even after a payment was made they immediately sent the account to collections. 
2 ) I was not notified by either mail or phone call that this was going to collections. I later found an email from XXXX with the title Importance Notice from XXXX. The email did not state they were attempting to collect a debt. There was an attached letter that stated this. I was never contacted by LJ Ross either. I found out about the collections account in XX/XX/2019 after checking my credit report, which I paid immediately. 
As a reference, the landlord at the time was not providing gas heat so we had to use electric heaters during the winter. He also refused to provide XXXX access to the electric meters on a monthly basis, thus we were hit with large electric bills every 6-9 months. XXXX  was well aware of the situation. I had to move from the apartment because I did not want another winter without proper heat. Even still, I made every effort to pay my bills while I was out of work and trying to find another place to live. Now because of this collections account on my credit I have not been able to rent another home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1. Wells Fargo contacted me on the phone to offer secondary modification to my modification. Wells Fargo was reducing my interest rate, forgiving an amount and deferring a portion of the principal, which will be the amount owed at the Balloon due date. Today, XXXX from WF told me that WF did not forgive any amount. 

2. I have paid extra money toward the principal and WF has failed to apply the funds toward the principal and recalculate the amount due. In the alternative, WF has further failed to reimburse me for the extra money I paid and in the alternative, WF has failed to apply the extra money toward the deferred/Balloon amount. 

WF has cashed my checks and refuses to give me credit. If credit is given, the accounting must be recalculated according to new amount due.

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 2021-11-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} -CH XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$780.00} ARS XXXX Owed : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$780.00} XXXX XXXX Owed : {$600.00} XXXX XXXX Owed : {$1100.00} XXXX XXXX Owed : {$5200.00} XXXX XXXX COL XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Very briefly, XXXX failed to reasonably investigate two disputes XXXX credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by XXXX XXXX XXXX, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b ) ( 6 ).

Dispute 2 : Wells Fargo prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX '' ). I have also attached my original statement delivery instructions ( " XXXX '' ), and the original dispute to 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 2018-08-30
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen loan company has received several modification request alongside hardship request from me. For some reason they have the idea that a property owner can not redeem their property from foreclosure proceedings. 
This company has not taken all the steps to ensure that all homeowner laws have been abided by and the buyer should be aware of their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello. My name is XXXX. I can give you my full name after your company contacts me. I want someone to call me tomorrow. My cell phone number is ( XXXX ) -XXXX-XXXX. I have been pursuing my fight against Wells-Fargo for over six years-forced car insurance. This is due to fraudulence committed by Wells-Fargo starting in XXXX. My XXXX was repossessed and should not have been. After my car was repossessed in XXXX-one year later I contacted the CFPB and your company did absolutely nothing for me and at that time there were over XXXX other complaints as well? What was the CFPB doing at that time regarding so many complaints from customers? Were you guys out to lunch? Was everyone on vacation at the CFPB? After my complaint to the CFPB I received a letter from the CFPB-your company was my last hope and nothing was accomplished? I was informed you felt there was not enough of evidence of fraudulence on my part-against Wells-Fargo? That same year there were other scandals against-Wells-Fargo and they got caught. Who decided at the CFPB-my case and 1,800 or more cases did n't mean anything or have any merit? I want to know the names of the people at the CFPB who denied me back then in XXXX and every other complaint I made since then? Nothing has been accomplished-with your company to help a consumer who has been denied, cheated and rightfully reimbursed by Wells-Fargo? What I do n't understand is how the CFPB can let Wells-Fargo get away with fraud and the level of fraud is at 100 percent? Please contact me.

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 2022-01-11
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an addendum to yesterday 's closure of the complaint after speaking with someone familiar with Foreclosure law. Shell Point Mortgage is in violation of Michigan law for the following reasons 1. Michigan law states that 15 days before a notice of foreclosure is sent to the newspaper. The sheriff must post on the property a notice of foreclosure as of XXXX am est on XX/XX/2022 no notice has happened the first newspaper notice was placed on XX/XX/XXXX or around that time. Which shows they don'tcare about the laworconsumer rights. 

2. I have asked them numerous times to contact me so we can discuss this they have not responded.

3.The website says we are in forbearance or foreclosure which is it. 

We are adding this to our MI AG Complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Simons agency robo calls me at least 10 times a day. It is to the point where it is affecting my daily life. Ive asked them repeatedly to stop with all the calls and they will not stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, 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've been trying to get my credit report frozen with Equifax since XX/XX/XXXX. It took me 5 minutes online with XXXX and XXXX, but Equifax has been deceitfully stalling me throughout the process. I'm unable to do it online or by phone since they require additional documents. I've spoken with an agent on the phone and was instructed to send a letter to Equifax with a request to freeze my credit report, along with proof of ID and proof of address, which I did. I've got confirmation that Equifax received the letter on XX/XX/XXXX. Since then, my credit has not been frozen. I've tried to contact the company again on the phone, when the agent simply read me a script telling me that they couldn't see whether the letter had arrived or not ( and that was after confirming an endless series of personal information, such as SSN, address, and date of birth, as always ). I've tried contacting them on XXXX, and they've simply told me they've handed my case to the XXXX team as I am travelling abroad ( which, again, makes no sense ). It is clear that the company has been acting in bad faith in order to keep my credit report unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I live in XXXX Florida and live in a county that was declared a federal disaster area with Hurricane Irma. I got evacuated and was living in a shelter. I lost work and got behind on many of my bills, including rent and car payment. I have a MasterCard with Capital One and last XXXX, I filed a complaint against them with the CFPB, because theyunlike my other creditorswould not defer a payment for the month of XXXX. Only after receiving my complaint t with the CFPB, did Capital One contact me and say they would defer XXXX payment. 

I am still having financial problems related to the Hurricane, because getting behind on your other bills often results in extra fees. I mistakenly did not pay my XXXX bill with Capital One, becaus I thought my account was incorrect t when I checked it online and did not have the deferred payment figured into my account. I thought the online record was a mistake and that the XXXX payment was not due, because my account was on deferment. Apparently, I was in error because of all the confusion on my account. 

So, I now find out that I really owe two months payment, rather than one. And if I dont pay my bill by Thur, XXXX/XXXX/XXXX, I will be reported to the credit bureau as being 30 days late. The problem is, I can not make the payment until the following day ( Friday ), when I get paid.

I talked to the Supervisor at Capital One and asked if they could defer reporting me to the credit bureau if I pay two months worth of payments as due, on Friday instead because of the mixup and my financial difficulties due to the hurricane. They said NO. They will not help me at all. 

I am trying to keep my credit history good because I need to purchase a car and this will harm it severely. 

I am asking for the CFPB to step in and prevent them from reporting to the credit bureau because of paying one day later than the payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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