BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an issue with Mortgage Servicer Abuse. 

I have attempted for over 10 years to have my XXXX XXXX loan modified via XXXX. I have verified on several occasions that my loan is guaranteed by XXXX XXXX. XXXX misrepresented its role as investor and provided the protections offered under the National Mortgage Settlement and Consent Orders from the XXXX and Federal Reserve. 

In addition, I will be mailing packets of the information to the Dept of Justice and FHFA requesting their special agents review the harm caused by misrepresentation by XXXX and XXXX XXXXe Loans for the amount owed and ownership of the debt. I have been given no less than 6 different reasons why my loan didn't qualify for modification. None of the reasons are accurate as I worked as a Foreclosure Prevention counselor and submitted every packet as required and documented. I am submitting this request with the desire to meet with someone within your office to highlight the problems. I have spoken with some congressional staff members that I would like to sit and follow this process. Mortgage Servicer Abuse is real and harmful. Over the last 10 years, my health has suffered and unable to purchase a home due to the fraudulent foreclosure filing. 

Included in the packet is an outline of the note 's history, recorded Assignment of Mortgage history and XXXX answers. In a nutshell, each history records a different trail of ownership and investors. How is the average American to reconcile issues if the mortgage servicer continues to misrepresent information. 


I am not asking CFPB to litigate this problem. I will handle that thru filing a Wrongful Foreclosure suit soon. My concern is for the ordinary citizen that is being unjustly impacted by bad Mortgage Servicers including XXXX and Rushmore Loan Management

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a recurring debit of {$12.00} that is being withdrawn from my  XXXX    XXXX   XXXX   XXXX   checking account. The debit card servicer is  XXXX .     I am having to submit a claim every time this recurrence hits by checking account ( it has been 5 times already  ). F urther, the bank is having to inactivate the debit card and reissue me another one. This takes up to 2 days.     The bank is saying that I will have to CLOSE MY BANK account and REOPEN another one?? I have travel for work and I will have to resubmit to my employer, a new direct deposit submission ( which will take A MONTH ) for my new direct deposit to be in effect. Further, my employer will have to send PAPER checks to my Corporate office and I will have to physically pick it up. I ca n't do this traveling for work!     I 've had this account sinc e 2006 and n o one at the bank can do anything to stop it. They tell me it 's the  XXXX  company. So I called  XXXX , put in my debit card number AND IT AUTOMATICALLY REDIRECTS ME BACK TO THE BANK!     I CA N'T TAKE THESE INCONVENIENCES ANY MORE!! I 'VE PUT IN CLAIMS 5 TIMES ALREADY, BEEN ASSIGNED  XXXX  NEW DEBIT CARDS IN 4 MONTHS AND NO ONE CAN STOP THIS RECURRING ( UNAUTHORIZED ) CHARGE!! ALL OF THIS FOR A {$12.00} CHARGE THAT I DID N'T AUTHORIZE?? 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 2017-04-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I did a money gram transfer for {$500.00} from money gram .When the receiver went to pick the money ; they mentioned the money is not available.I called them and I gave the reference number and asked what is the purpose they hold the money.One the agent saying that she will transfer me to another department.They put me on hold for more than an hour. They never pick up the line.I want to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Kikoff Inc.
State: MA
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, For over 2 years, I have attempted to work with FedLoan Servicing to apply for the Public Service Loan Forgiveness program. They calculated my qualifying payments and I received notice on XX/XX/XXXX that showed how many qualifying payments I had made towards the XXXX required payments. Based on the information, I reached out and requested that I receive a month-by-month breakdown, starting in XXXX, to understand which payments I've made qualified and for the ones that were denied as qualifying, why they were denied. I never received that breakdown. 

I applied for forgiveness again in XXXX. I received notification on XX/XX/XXXX that showed how many qualifying payments I had made towards the XXXXXXXX required payments. The new statements showed that there have been XXXX  eligible payments made over the last 10+ years. Of those, XXXX payments have been determined as qualified. That leaves XXXX payments remaining before I reach the XXXX payments needed for the Public Service Loan Forgiveness program. I reached out and requested a breakdown of the XXXX payments that were eligible but determined not qualified, and have not received communication that I would receive that information. Based on last time though, I'm not confident I will ever receive that breakdown. 

Based on the information, my previous employment, and the number of payments I've made over the last several years, I'm confident I qualify for the Public Service Loan Forgiveness program and am not receiving the information I need from FedLoan Servicing to validate this. Any assistance you can provide would be most appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: PA
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:
I am a natural person. I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 And they VIOLATED my rights numerous of time. I DEMAND the accounts listed below be removed Because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Apelles, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Apelles LLC keeps calling my work a lady name XXXX continues to call on a daily basis asking for me i usually pick up the phone and when i talk to her i have asked her several times that this is my work number and to please not contact me here to call me on my cell phone number and she says that she can call as many times as she wants and she will continue to call today XX/XX/21 she called again and once again told her to stop calling my work number and she just laughed and said she will call me next week. i don't know what to do they continue to harrass and call my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CITIBANK, N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am self employed and have been applying for modification for ov er four  years but never received any answer from Citibank.   My husband and I have been in this property for 11 years and we want to continue to reside here and we want to do all thing possible to continue to live at our home.   Although, we have had some personal and business setbacks due to illnesses and loss of business opportunities ; we are working to make sure we keep our home.   For the p ast four years, Citimortgage has refused to accept payment from me. Citimortgage stat ed that they refused to accept the payment because my property is in foreclosure but I was not in foreclosure. I may have been in pre-foreclosure. Also, Citimortgage listed on my credit report that my property is in foreclosure. However, my property has not been foreclosed.   This past week,  Citimortgage sent m e a letter indicating that I have been approved for short sale even though ; I did not apply for short sale. I applied for modification and/or principal reduction.   The recent letter from citimortgage included information that citimortgage did not previously disclose to me. In the letter I learned that citimortgage only considered part of the household income.   I initially sent my financial and my husbands financial, it appears that citimortgage did not fully review my submission.   I am seeking you help to get full modification review.

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 2017-04-25
Company: EQUIFAX, INC.
State: TX
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:
Upon being denied from a lender for too many inquiries I decided to check my reports from all credit bureaus for accuracy. I have noticed several inaccurate credit inquiries that I had no knowledge of and DID NOT authorize. I contacted Equifax immediately and have been given no relief. The representative on the line continued to tell me its a " statement of fact '' which is not TRUE! I have a fraud alert currently listed and have taken extra steps and purchased a product to lock my credit report. Please see the following inquiries that were not authorized by me and the dates that my report was improperly shared with these companies. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Bread Financial Holdings, Inc.
State: FL
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:
XX/XX/XXXX, I received a bill stating I was late on a payment and was charged a late fee and interest. I went to check my account and noticed the bill due alert had been removed without notice and can no longer be applied. 

XX/XX/XXXX late fee applied XX/XX/XXXX I submitted a payment for the amount on the bill, {$13.00}. 

XX/XX/XXXX a {$2.00} interest fee was charged XX/XX/XXXX late fee and interest charge reversed after contacting support and pointing out they removed the very alert they were telling me to use. 

At this point, the balance on the card is {$0.00}. 

XXXX I receive a bill stating I owe {$2.00} when I haven't used the card in a long time. 

XX/XX/XXXX a {$2.00} interest charge was applied I contacted support once more telling them I am being charged interest when my balance is {$0.00}. They responded by saying that is correct because I have a carry-over balance. Again, there is no balance as all charges are paid off. 

I replied to the response with proof of their fraud showing the statement proves a {$0.00} balance and they charged the fee in obvious retaliation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Due to job loss, we fell behind on our credit card payment to XXXX XXXX XXXX  ( " XXXX '' ), which then caused XXXX XXXX XXXX XXXX " XXXX '' ), a collections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by XXXX that we would have nothing bad on our credit report. XXXX lied to us, as they put a judgement on our credit reports. <P/>We read that the CFPB last week filed a lawsuit against XXXX for fraud and deception ; which is one of the reasons that we are filing this complaint. <P/>After we found out about the judgement, we then discovered that XXXX XXXX XXXX was not licensed nor registered to do business in Indian, and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, XXXX did it anyway. This seems to be an unfair, abusive, and deceptive business practice by XXXX. <P/>When we told XXXX and XXXX that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to XXXX XXXX XXXX XXXX ( " TD Bank '' ). TD Bank has done nothing to correct this problem, as the employees of XXXX are still servicing the account, and rely on XXXX for legal advise. So they continue to cover this up, and have done so for many years now. <P/>Now that the CFPB has taken action against XXXX, this would be a good time for the CFPB to investigate this matter, and take appropriate action against XXXX, Target, and TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: DE
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the letter last XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted 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. PLEASE REMOVE THIS ACCOUNT that still reporting on my account : XXXX XXXX  XXXX XXXX //LATE close - Balance $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
O n XX/XX/XXXX  I was served a summons for a medical debt with multiple accounts dating back to  XX/XX/XXXX . I li ve in Mississippi, which is also where the debt was incurred. The statue of limitations is 3 years in Mississipp i, Medical debt is exclud ed however only when due to a government entity  ( ie-county hospital ). This debt is from a privately owned   XXXX   XXXX   XXXX   and was assigned to a   collections agency at 60 days. The judgment issued is for  XXXX  different  XXXX , which they rolled into   XXXX .  I attended the court hearing and brought up the statue of limitation and also questioned debt collector on the agreements for the debt, which they did not have. The judge allowed a continuance for the debtor and I will have to attend court again o n XX/XX/XXXX . The ju dge said medical debt is not subject to the statue of limitations, however I have also attached a letter from the attorney general which provides proof that this debt is invalid. I would like to file a FDCPA complaint

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 2017-04-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I would deposit large sums of my paycheck into this account to save money for future bills or purchases and also as an emergency fund. Nobody was on the account or authorized to access this account. It was in my name only and until an employee,  XXXX   XXXX , while working as an employee of  TD Bank had given my account information and balances to my wife which caused me to get kicked out of the house and divorced. This has caused all sorts of financial and emotional turmoil. I contacted the bank and filed a grievance. An investigator  called me from the bank to take down my statement. I have not heard from the bank since, but have learned that the employee was fired over it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection was paid in full have a satisfaction letter. I paid this debt in full on XX/XX/18 to Hunter Warfield for the amount of XXXX to account XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened my account in   XXXX   XXXX   XXXX     promised I am opening a veteran account and would be charged no monthly service fee. If you check my bank statements attached you will find that they did not charge me service fees. I kept calling  Wells Fargo  every month once i found out and was able to get the fee reversed each time spending hours on the phone and at the end of the call having their representative state that this is a  one tim e courtesy refund and my rebuttal of I do not accept this as a  one time courtesy but a  need for you to fix the promise made when I opened the account. After the 4th time and going through several managers I decided to just close my account, because  XXXX  offers premier bank accounts to their veterans with safety deposit boxes, and keeps their word to veterans. So I am out all of those monthly service fees they kept charging me for years, and this leads to yet another reason I am writing. After closing my bank account  2 co mpanies,  XXXX  and  XXXX , sent me refunds to my account on file, they instructed me that typically the bank sends the money in the form of a check to the recipient or contacts them. I called  Wells Fargo , they claim no refunds await me, and yet both companies state  Well Fargo, " has the funds. ''

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 2020-11-03
Company: Experian Information Solutions Inc.
State: AZ
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 requesting the removal of these fraudulent accounts that do not belong to me as i have been a victim of identity theft. please see my attached valid police report and FTC report to support my request. i have also filed a complaint with the CFPB regarding these accounts i have sent the credit bureaus more the enough supporting documents to remove these accounts and they still have not removed them.

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 2017-04-25
Company: BARCLAYS BANK DELAWARE
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:
Good Afternoon , Re : Barclaycard    XXXX   XXXX    XXXX   XXXX , DE,  XXXX  Act # ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  The account information reporting on all credit reports, is incorrect. My name is  XXXX   XXXX , and my sons name is  XXXX   XXXX   XXXX . Barclaycard has been reporting this account incorrectly. I 'm  XXXX   XXXX  not  XXXX   XXXX   XXXX . I have requested they delete this account from my credit report, and for the past year, I 've had no success. They keep replying with letters, advising information is correct. I kindly ask you to please help me remove this erroneous information off my credit reports, since this has now begun to affect me.     I thank you in advance, for all your help resolving this matter.      Kind  Regards,  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