BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
rushmore filed with the uscfpb a response stating that m ymortgage loan with them has a maturity date on their amortization schedule of XXXX while their website states that the maturity date is XXXX. the XXXX has a balloon payment that was never disclosed by XXXX XXXX predatory lender in either of the XXXX required TILA disclosures. so now rushmore is not able to fell me what the maturity date is since there response to uscfpb says XXXX and their website says XXXX for my XXXX trust loan. 








Contact Us : XXXXXXXXHomeRushmore Loan Management Servicesphoto of a neighborhood Loan Servicing CenterCurrent Loan Information Make a Payment Automatic Payments Home Loan Assistance Loan Activity Tax and Interest Payoff Statement Year End Statement Personal Preferences Email Inquiry FAQ Log OutCurrent Loan InformationLoan Number : XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX printer-friendly versionBorrower Name : XXXX F XXXXPlease note all information is as of the end of the last business day. A business day is generally Monday through Friday, except holidays. If you have any questions, please call us at XXXX Monday - Thursday XXXX to XXXX PST, Friday XXXX to XXXX PST. 



General Loan InformationCurrent Principal Balance {$32000.00} Effective Interest Rate 5.000 % Loan Origination Date XXXX/XXXX/XXXX Original Loan Amount $ XXXXXXXXFirst Payment Due Date XXXX/XXXX/XXXX Loan Type Conventional Loan without PMIMaturity Date XXXX Payment Method Monthly Statement Payment InformationScheduled Payment Breakdown : Last Payment Breakdown : Next Payment Due* XXXXXXXXPrincipal & Interest $ XXXXXXXXTotal Monthly Payment $ XXXXXXXXPayments received more than 10 days after thepayment due date may require a late charge of {$10.00}. 


* If Next Payment Due date is in the past, additional payments, charges and/or fees may be required to bring your loan current. 


Principal Received $ XXXXXXXXInterest Received $ XXXXXXXXFor more detailed information, click hereYear-To-Date TotalsPrincipal {$340.00} Property Taxes $ 0.00Interest {$680.00} Hazard Insurance {$0.00} return to loan servicing center printer-friendly version Privacy Policy | Terms of Use | LicensingEqual Housing Opportunity. Equal Housing Opportunity | ( C ) Rushmore Loan Management Services LLC XXXX. All Rights Reserved. 

( C ) XXXX XXXX XXXX XXXX XXXX. All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: RFNA, LP
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have had several loans with this company, they sometimes send me a check in the mail. I have cashed before with no problems. This last time I cashed a check, the company called my number I listed on the check but I was at work and unable to answer. I have had my home phone disconnected since the last time I had a loan with them. I did n't even have the opportunity to call them back and I received a message from my sister in law saying she had received a call from this company. My loan is not due until XX/XX/XXXX, this call was made on XX/XX/XXXX. I called them back and the guy tried to make out like I had that number listed as my home number which is a flat out lie! I work finance also so I know the fdcpa laws and references are not to be contacted especially if loan is not past due. I have never been late on my loan. This is unfair debt practices and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I have Discover for my Credit card and for a personal loan. For some odd reason discover never received my payments, which I have everything on auto-pay. I have been paying double with both accounts to get caught up, but now they are telling me my account wont be unlocked until XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I received an order form from XXXX  ( XXXX ) for an XXXX and XXXXXXXX XXXX XXXX, Being a XXXX year old woman, I don't have any idea what this is. 
In addition, it was to ship to XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. This is definitely not my address, but is the address of a hotel. 

Shortly thereafter, I received an email from Citizens One congratulating me on the purchase of XXXX XXXX and they had set up my account ( XXXX ). I discovered they had done a hard inquiry on my XXXX  credit report. I never authorized them to request this report ; nor did I request or authorized such a loan. 

I believe this is some form of a scam and I never received any merchandise and certainly will not be paying any money to Citizens One, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a customer of XXXX and cancelled service in XXXX 2016. I was told by the representative that i would not be charged a early termination fee because they could not get the system to work properly after XXXX attempts. They tried to run my credit card that was on file for XX/XX/XXXX and late termination fee. I disputed the charge and now they are reporting false information to credit reporting agencies which is affecting my credit status.I have spoken to XXXX and they are saying that they do n't show any collection for me. I explained to them it is on my credit report and this is falling on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX, 2016, I received a letter from Navy Federal Credit Union which advised me that my Home Equity Line of Credit was being suspended due to " a review of my credit history including a decline in my credit score '' This infuriates me because this credit line is a credit extension that is related to my home. Basically this change is a call in of a loan that to my understanding gave me a 20 year " draw '' period in which I was able to utilize the credit. This LOC is not even a year old. I was never advised that there was a minimum credit score that I had to maintain, nor was I ever told that they could call the loan in whenever they desired. I have never missed a payment since opening this account and was late only once because my direct deposit from my job did not take place on the date that it was supposed to and the ACH did not properly process. This payment was made as soon as I realized what happened. 
Navy Federal tells me in the letter that I can appeal their decision but I would have to pay for an new appraisal, which I believe was {$560.00}, so basically I can pay a fee to gain access to what I was already provided with. I believe that amounts to holding my account hostage. My home has not lost its value and my credit worthiness has not changed in relation to my ability to maintain my obligations and I should not have to beg for a loan on my home that I have already been given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
the following accounts appear on my credit report, without authorization Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft NORDSTROM/TD BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: PENTAGON FEDERAL CREDIT UNION
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:
1. Identity Theft PENTAGON Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft PENTAGON Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

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 2016-04-18
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am being sued by Midland Funding LLC, who claim that they purchased XXXX of my alleged debts from XXXX XXXX. Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. 

They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Midland Funding LLC, however, Exhibit A is blank as the accounts were Redacted. 

They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Midland Funding, however there is no mention of any accounts. 

They have also included XXXX statements, seven months apart, from the original creditor. However nothing shows how the alleged amounts were calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXXI inadvertently paid my Bank of America credit card twice XXXX online ), using my Bank of America checking account. 
I called the bank asking for a refund. They told me the money would be credited with in 10 business days. It is now XX/XX/XXXX and the money has not been credited. 
I contacted the bank today and they said there was some kind of delay, but they could not check on it because it involves a no-contact department within the bank and there was nothing they could do except file another report which could take 3-6 more business days. I declined this option, this is a huge multi-billion dollar bank, one the taxpayers rescued at great expense. This kind of arrogance, and lack of customer concern is simply wrong. 
We are talking about {$630.00} heremaybe not a lot of money to some people, but it is to me. I would like my money back.

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 2016-05-12
Company: General Motors Financial Company, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I should have walked away when processing the loan. In order to be financed, I was required to purchase an expensive extended warranty that I did not want, and expressed I did not want. Then, somehow XXXX gained access to my personal information in the loan application and started calling my employer trying to sell me service ( got me in a lot of trouble at work ). I thought that was private information. In addition to the extremely high interest rate ( which was my fault for agreeing to-I understand that ), if you are late, they hit you with incredibly high fees that can exceed your actual payment. When my husband lost his job, I fell behind on my payments. They called me XXXX a day, even after making payment arrangements. I had to request they contact me by email or mail, and not by phone because they were harassing me. They did not like that. Even now, when I call, they do n't want to talk until I give them a number to call me on. Then, without warning or notice or anything, they repossessed my vehicle when it was only a month past due. Stay far far away from this scam of a company. It 's like making a deal with the XXXX himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 4-5 times a day everyday for a payment that is not even 30 days late and continue to call even after the payment is in process online. They are very insitant that you make the payment while on the phone with them immediately and continue to call even if you give them a date you can make the payment again not even 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: General Motors Financial Company, Inc.
State: RI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I had a lease with GM Financial which was expiring in XXXX 2015. Beginning in XXXX, 2015 I received numerous calls and letters from GM with several offers to return the car earlier than XXXX and leasing a brand new vehicle. I accepted an offer from GM in XXXX, 2015 and returned the car and leased a 2015. The offer I accepted was GM would cover XXXX lease payments up to {$3000.00} and XXXX cash allowance towards new purchase or lease. I owed XXXX payments to GM@XXXX totaling XXXX which was well below the XXXX max. It is now XX/XX/XXXX and I keep receiving invoices, phone calls, etc from GM requesting the remaining payments on the original lease and late fees. I have called GM and the dealer, XXXX 's Buick in Massachuetts and both keep responding that all is ok so why do I keep getting these invoices. My perception is GM is not honoring their commitments and overcharging their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was restricted because I was told I violated my debit card policies and procedures. When asked in what way nobody was able to provide an explanation. Any claim that I filed was substantiated and proven. I am being targeted and economically harassed. I asked that my concern be reexamine and left a message for a manager to call me back for the sixth time. NFCU is one of the largest credit unions in the country and they are abusing that power by not providing ANY recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, 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:
They told me to fax an pics I did it multiple times I am tired dealing with equfax file lawsuits

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was denied credit and found USAA Bank Fraudulent account on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I contacted XXXX and the basically said if pay for their monitoring service then they would consider my request more seriously other than that they wanted more proof that I was me I am attaching exactly the letter that I sent to them along with my ID. I want this resolved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a approved forbearance. My loan had been current upto the shutdowns. At the end they gave me 3 options. One of which was loan modification. The payments were {$1400.00} starting on XX/XX/2021. The immediately started charging me {$1800.00} per month from day 1. I asked why that was and they said it was new a escrow analysis. Well I would have went with one of the other options. They are also charging me {$2000.00} in late fees and property inspection fees during the agreed forbearance period. Now they are telling me they are going to take my home unless I agree to a short sale. I have {$1400.00} since XXXX to pay them. What they are doing is very wrong. Im hoping they can be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX called a phone owned by a family member and provided account information including creditor and balance due without attempting to validate more than a first name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was showing inaccurate from Carrington Mortgage for almost 2 years from the time it was service transferred to them, They were not recording my payments that were paid on time every month. Now they supposedly have the account updated but I still feel the numbers are inaccurate and they have reported to all XXXX credit bureaus that my payments were missed when actually they were never late at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
As a loyal customer of Santander Bank, I am not happy that I had to hear from another Bank that Santander had a privacy breach. As a customer I would expect Santander to notify its customers, but instead I need to hear the news from another Bank that received a privacy breach letter from Santander. The letter another Bank received discussed the following : On XXXX XXXX, 2016 Santander Bank sent an image cash letter file to the FRB and the file did not have a correct alignment of the data to the image records and as a result, it is possible that check images from the file were viewed by third parties or unintended recipients of the check images. Being a resident of the state of Massachusetts where privacy is taken extremely serious and being a customer of Santander, you would think the Bank would notify its customers that such event occurred or let them know the event occurred and their information is safe whether an image of their check or information was viewed by a third party or not. 
I have been highly unsatisfied with Santander 's customer service recently and this just puts the icing on the cake in terms of me taking my deposits elsewhere. I do not see how this Bank could keep me as a customer at this point. Recently, they decided to take away my XXXX checking account with no reason on why the product was being cancelled even after I asked to be contacted. They even went to the level of being unfair and deceptive in terms of only offering {$150.00} to new customers of their simply right checking product which is what they are putting me into after closing their extra20 product and told me that existing customers do not qualify. So they are forcing me into a product I do n't want and not offering me a bonus because I am not a new customer. None of this makes sense. You would think that they would offer existing customers something after forcing them all out of a product. You would even think they would grandfather customers into the product to not lose them or get to the point where a complaint has to be filed because the Bank is becoming unfair and deceptive to its customers. 
If Santander wants to win my business back they should be notifying their customers about this breach and always honoring their customer requests to keep them in products they are discontinuing. The Bank should be fair to its customers and not try to deceive them as well. If they can not do this they are just turning into a XXXX XXXX and will wind up in the news in a negative light for being unfair and deceptive. I am sure I will not be the only customer to complain or approach the news stations on this topic. 
I hope the CFPB and regulatory agencies can assist in this matter and force Santander to clean up its act.

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
Consumer complaint received 2021-07-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating. 
All was Disputed on XX/XX/2021 No was not Taken

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