BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were near the end of an insurance claim with our previous mortgage company when our mortgage was transferred to Rushmore. When we finally had the additional documents and estimates ready, we sent the checks and all supporting documentation to Rushmore.     After weeks of emailing and calling trying to reach the loss drafts department, we got the init ial 1/3 pay ments processed to the contractors that we needed to do the work. The work was completed ov er 2 we eks ago, and we have requested the inspections and payments processed for the completed work.     After sending emails and calling leav ing Voice Mai l for our Loss Drafts contact, i have received no response from  Rushmore.  Furthermore, the contractors have been calling me for updates on payments. I was provided a " direct number '' to our loss drafts contact by customer service which we used several times to leave voicemail for our contact. That number has stopped working, and now they are telling us that " there is no direct number '' and they " ca n't transfer my call '' - which is contrary to information in complaints on this website.     In addition to the lack of communication from Rushmore 's loss draft department, they also neglected to inform us that our payment had increased to " cover escrow shortage '' and if we had not been calling them almost daily, i would have made my first late mortgage payment in nearly 20 years of homeownership.     This claim has already been going on since  XXXX  of  2016 due t o delay in the insurance settlement process, and these delays have already caused several thousand dollars of additional damage to the property. Rushmore 's claim that " their policy and procedure is for my protection '' is completely false as their delay is preventing repair of the property, risking additional damage, and, if our contractors are not paid from the insurance settlement that Rushmore is in control of soon, financial hardship for my family if we are forced to settle these accounts with our own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I had gone to  XXXX  collage and had got a student loan from  XXXX   XXXX   ( navient ) I w as never able to repay my loans and I get harassed by phone calls and emails for payments how ever I am a stay at me mom with  XXXX  children now and am on public aid to help make my way I herd about the lawsuit an I very interested if I of have known better I would have made a better decision I would like to file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was scammed out of {$450.00} through the XXXX function in my Bank of America account. I did not authorize this electronic funds transfer and immediately notfied B of A as soon as I saw the fraud, meeting my oblication under the Electron Funds Transfer Act. I beleived I would get my money back, considerign this was fraud, however after the investigation by the bank they conluced in a letter I was being denied becaue " I GAVE MY ONLINE ID AND PASSCODE TO SOMEONE!! '' Unbeleivable, this was the outcome of their investigation? What kind of investigation was this? Of course I did not give out my private banking information. I called the bank back to complain and the agent could not give me a satisfactory answer to why I was not being protected under the ElectroniXXXX Funds Transfer Act as requred for this unauthorized funds transfer. I asked for the information of the person that took my money on the other end. The agent said they WERE NEVER CONTACTED!!!. What kind of investigation doesnt find out who got this money and if it was authorized or not? this is ridiculous, so the bank in essence is allowing these cyber hackers to take money then don't even bother contacting them to see who they are or if they were supposed to receive a payment? That is their investigation? And I am supposed to be happy about that? This is outrageous! He then proceeded to say I should have my laptop checked for bugs or cell phone, but contradicted himself by saying that if I had a bug it would be my fault anyway because its failure to protect? That makes no sense, the EFTA does not stipulate any such nonsense for moneys that are UNATHORIZED from a consumers bank account. Bank of America is deliberately failing to adhere to their duties under this consumer federal regulation, failing to secure thier customers online funds from hackers and then blaming and treating their customers like criminals instead with half hazard investigations that dont even contact the moneys recipients!!! I asked to speak with a manager to escalate my case and I was sent to a voice message and never received a call back. Not only was my account stolen by thieves but Bank of America is conducting business like thieves, ignoring federal consumer protection laws and wrongfully denying fraud claims through the XXXX  payment system that they own. There must be legal remedy for this individually or I am sure this is happening to many other people on a larger class action level. I will be looking into this very seriously. I am a U.S. Veterand and XXXX   XXXXXXXX, the way BofA is treating its customers is unacceptable. Bank of America can not be trusted with your accounts or your money.

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 2021-06-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been dealing with ongoing issues between you guys verifying my information and the credit bureaus posting inaccurate information on my credit file which has made my life very uncomfortable and has stop me from multiple opportunities. I am sending this follow up complaint after about 4 previous complaints to remove all inaccuracies and errors off of my credit report it is stated in your mission statement that you help consumers to be treated fairly between the business of the average XXXX and the big bad bureaus. I would suggest a fair resolution would be to look into the previous times Ive sent complaints, look into the details of my complaint and you will see where the rules arent being followed on the bureaus parts and the unfairness of it being at my expense. I would really ask that this be expedited just for the back and fourth and distress I have had to endure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX  cancel the debt and then still say that balance is valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: NY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2017-06-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to fix these problems cred it bureau- My lawye r and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX  -    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  This is my last time before I sue all  XXXX  credit bureau

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 2023-03-14
Company: Synovus Bank
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1STPROGRESS/XXXX XXXX XXXX XXXX XXXX XXXX Accounts : {$200.00} each I have called First Progress three times requesting this information be removed as it is fraud and not something I applied for on their platform. The first call I had with them, they confirmed the credit cards that were applied for were returned to them, further confirming this was something not fulfilled by me. The confirmed they would investigate and let me know what they came up with. 

After a few weeks, I heard back from them via mail and they confirm these accounts were fraud through their investigation- this was early XXXX when i heard back from them with their confirmation. Both of these account should have been removed but they're still on my credit across all three of the major credit bureaus which is hindering me from getting a home and apply for credit needed to keep my business open. 

The third piece of communication i got from them stated the investigation finding were in my favor and they would send communication to the creditors removing them late payments and accounts from my credit. I have a letter confirming the communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car wreck in XXXX. The debt was tied up in litigation until the wreck and legal was all settled out in the spring of XXXX. All creditors associated with any medical bills were paid their agreed-upon amount by the attorney 's office. 

I have the invoice from the attorney 's office showing that XXXX  XXXX XXXX settled on this item and that no further action is to be taken. This false collection needs to be removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received a letter fro m Fifth Third B ank in  XXXX  saying my mortgage payment will be adjusted down beginning in  XXXX . I sent the agreed amt as payment at the end of  XXXX  but got a letter saying my payment amt was short. I subsequently called and agreed to send an additional amt to bring my payment up to the agreed amt. Thinking everything was over, I was surprised to get letters in the mail dated  XXXX   XXXX  and  XXXX   XXXX  saying my loan was in default. I got another letter dated  XXXX   XXXX  that my payment has been posted, any late fees have been waived and credit bureau corrections have been made. I also got a check for {$1100.00} dated  XXXX   XXXX . I called  Fifth Third a nd explained that I got a check in the mail and was told that my payment was up to date. I then got some paperwork hand delivered to my home regarding mortgage payment assistance. I called  Fifth Third a gain on  XXXX   XXXX  and tried to clear up what was going on. I was told that I am missing my payment for  XXXX  so I told her I will send the payment my regular time at the end of  XXXX  along with another {$1100.00} which would represent a return of the {$1100.00} check sent. I followed up on my commitment and sent the payments. On  XXXX   XXXX  I got a notification from my bank that my acct was overdrawn. I checked and discovered that a stop payment was placed on the check that was deposited. I calle d Fifth Third an d asked that the additional amt of {$1100.00} which represented the check sent to me be returned to me since they already put a stop payment on the check. Since then I have called  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and to date,  XXXX   XXXX , I have not received my check. I was told the check will be mailed  XXXX   XXXX . When I called  XXXX   XXXX , I was told the check was mailed  XXXX   XXXX . When I called  XXXX , I was told again the check was mailed  XXXX   XXXX . Today is  XXXX   XXXX  and I am yet to receive my check. I explained that due to this incident, my other utilities were not paid. I explained the urgency of the situation including the possible effect i t may ha ve on my job. It has all fell on deaf ears. This situation is very distressing and has severely impacted my job and my family ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Experian Information Solutions Inc.
State: NV
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 showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX  XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - Experian Date of Report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago

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 2019-12-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a JPM Chase Total Checking account to take advantage of the offer below:"I am inquiring about Chase's special bonus "Chase TotalChecking offer", in which the account owner shall receivea $XXXX checking bonus by: 1) Open a new Chase TotalChecking account, which is subject to approval; AND 2)Have your direct deposit made to this account within 90days of account opening. After you have completed all theabove checking requirements, we'll deposit the bonus inyour new account within 10 business days.I completed the requirements long ago and have not yetreceived my $XXXX bonus.The coupon code applied at account opening is:XXXX"I opened the account with the coupon / promotion offering prior the XX/XX/XXXX deadline. I completed the required activities as described above.A couple of days ago (XX/XX/XXXX) I sent the above message to Chase and was told that I did not meet the deadline. See below message from XX/XX/XXXX:"Hello XXXX,We understand your concern about promotion offer and willbe more than happy to review your inquiry.XXXX, we apologize, we're not able to add the coupon codefor the $XX/XX/XXXX promotion on your New Checking account.You're not eligible for this offer as this offer expiredon XX/XX/XXXX. You may refer to the coupon to seea list of the restrictions. We regret for theinconvenience caused to you.We appreciate your business and thank you for choosingChase.Thank you,XXXXChase Email Servicing"This offer is insanely misleading, and I am sure it will trick other consumers into banking with Chase when better alternatives exist. Thanks so much for assisting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The bank will not speak to me on the phone due to me being XXXX with XXXX. 
They hang up on me or leave me on hold for times in excess of 1 hour. 
They have said they will not speak with me nor will they accommodate my XXXX. They say they do not need to accommodate the XXXX via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: AES/PHEAA
State: PA
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:
I have been paying my loans on time to MyFedLoans/FedLoan Servicing every single month since XX/XX/XXXX. I have the loans on autopay, so the payment comes out of my bank account on the XXXX of every month. 

I enrolled in grad school at XXXX XXXX University in XX/XX/XXXX but chose not to defer my loans, as I'm still employed full-time. 

I received an email from MyFedLoans/FedLoan Servicing on XXXX XXXX that XXXX XXXX University alerted MyFedLoans/FedLoan Servicing that I was enrolled in XXXX XXXX. Without asking me or giving me the option to opt-in, MyFedLoans/FedLoan Servicing auto-enrolled me in deferment. 

I have called MyFedLoans/FedLoan Servicing twice ( on XXXX XXXX and XXXX XXXX ) and submitted paperwork ( on XXXX XXXX ) trying to reverse this decision, but my loans are still in deferment, and I keep getting emails about my " request to defer '' - I requested ( via paperwork ) to do the opposite. I owe less than {$600.00} and just want to pay them off in early XXXX, as I planned. 

I'm surprised that it's even legal for my loan provider to opt me into deferment, especially since I have paid on time every single month for nine years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Santander bank account which was opened around the  XXXX  of  XXXX ,  2017. This ac count had a bonus offer terms of {$220.00} attached to it for having a direct deposit of {$500.00} or more within 90 days. The bonus requirements were met properly according to the terms I will attach to this notice. The bank erroneously closed my account before posting the bonus and claimed I had never sent the signature card for the account back to them. However, the signature card was sent to the bank using the prepaid envelope they enclosed with the account welcoming package. The bank made no attempts to contact me via any method in order to resolve this issue. It seems apparent that the bank decided to close this account to avoid paying the bonus offer out because their terms and conditions were recently updated to list several states, which does not include the state I live in. However, those terms were not included in the original account opening that I performed.

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 2019-12-17
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX user “XXXX XXXX XXXX XXXX” asking for donations for XXXX year olds XXXX Treatment. XXXX  diagnosed with XXXX XXXX. Not been to hospital for treatment according to inquiry. “She’s with her grandma right now. She isn’t in the hospital yet  We need to raise more money for her to get her treatment“Asking for donations on cash app XXXXTried to contact Cash app but no way to contact without setting up account on cash app. This should be illegal. There should be customer support phone and an email. Only To receive automated instructions over the phone, please call XXXX. To reach us by mail:Cash AppXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXI don’t use cash app and do not intend to ever!

Company response to consumer: Closed with explanation