BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I paid XXXX Servicing, {$100.00} for an appraisal in XX/XX/XXXX, for a PMI removal, my loan was then transferred to Select Portfolio Servicing, in XX/XX/XXXX, I have been trying remove PMI since XX/XX/XXXX with SPS, however SPS is requesting I pay for another appraisal, I already paid XXXX an appraisal, I do n't under why I have to pay for another XXXX. I sent in proof that I paid for an appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 168 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with out my written permission without my written consent. 

I've tried to dispute with them on my own and dispute results were just " consumer disagrees '' and nothing has changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Rushmore Loan Management Services, through unfair violations of the FCRA, FDCPA and other state and federal regulations, continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies. They have NOT fully complied with their obligation to respond as they have yet to provide valid documentation to substantiate the inaccurate information they have been furnishing. 

Rushmore Loan Management Services has unfairly re-aged an account on my credit report and continues to update the falsified accounting without any well established justification. Rushmore Loan Management Services repeatedly responds that they are furnishing accurate data. Then, to undermine both Federal and State agencies, attach a multitude of " fluff '' documents, NONE of which substantiate their claim. Clearly, Rushmore Loan Management Services does not have any legitimate evidence to validate or they would have easily provided it by now. 

I have repeatedly defended my position by submitting a plethora of supportive documents, including the series of attached credit reports showing PROOF POSITIVE that Rushmore Loan Management Services has indeed illegally re-aged this account. It is completely unfair and unlawful that I continually provide proof of burden while Rushmore continues fraudulent misconduct without evidence nor questioning. 

Without well-established supportive documents, responses by Rushmore Loan Management 's Customer Correspondence Department do NOT provide one iota of validation and thus should be investigated thoroughly by all state and federal agencies for intentional fraudulent activities. 

Rushmore 's harmful and undermining misconduct has gone unquestioned, unchallenged and without proof of burden for far too long. I intend to seek relief, resolution and all and any recovery that I may be entitled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
With the problem of the XXXX  pandemic, he called me and told myself that if I was bad without a job that they had a forbearance program in which I did not pay for the following months, I accepted for 4 months since 3 months ago I paid again but when I called my bank They tell me that they sold the account to servicing this company 2 months ago I am trying to fix the balance that I owe for XXXX and that they put it at the end of the loan that is what XXXX told me at the time they do not want to fix the loan the new company And they want me to pay you everything owed or make a loan modification but I must qualify for that and I do not want because I do not qualify and if I do not qualify I must pay the total debt all the banks lie and you must place a stop to this, I can lose my house and nobody does anything, every time I call the bank they don't answer or they tell me different stories servising # 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 2022-08-18
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2015 Balance {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I recently applied for a Citi Bank credit card through XXXX. I was approved by Citi Bank and told I would receive the card with activation instructions within 7-10 days. I attempted, unsuccessfully, to activate the card by using a Citi Bank internet activation site. I tried to activate the card by telephone using a Citi Bank toll free number. When I reach this latter site I was bombarded with a continuous stream of " special offers '' all of which I declined. I stopped declining after XXXX ( XXXX ) streaming " special offers ''. Citi Bank 's phone activation site would not allow me access to what I wanted to do. I was so taken back by their brazen manipulation that I decided to not activate the card. Citi Bank sent me a welcoming email two days later. I replied to the email requesting immediate cancellation. They responded that they could n't respond to my cancellation request and that I would have to use a statement to do this. I do not trust Citi Bank 's process and I want to receive a clear instruction as to how to cancel this card. Again, I did not activate this card, I do n't want it, and I do n't want it on my record.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting on my credit report for the amount of {$2000.00}

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 2015-07-17
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
5 years ago my identity was stolen. XXXX opened an account for the person who stole my id. {$200.00} was charged in telephone calls. When the bill was not paid, XXXX contacted me. I did not know my id was stolen. I immediately filed a police report with XXXX XXXX Tn police dept. I filed a form with XXXX to explain that my id was stolen and sent them a copy of the police report. 2 years later XXXX attempted to force me to pay the debt through a debt collection company. I again submitted the police report. Now 5 years later and XXXX is again demanding payment through their debt collection company afni. They harrassed me with phone calls and many many mailings demanding money. I am sure XXXX wrote off the {$200.00} 5 years ago. Now they want me to get a new police report and send them all my info again, for something that happened 5 years ago. And this is the XXXX time they are demanding this info. This is pure harrassment. They wait 5 years to demand money again. The afni has sent many letters demanding money. They said if I do n't fill out a new report they will continue to demand money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance XXXX   XXXX  Last reported XX/XX/XXXX {$620.00} Open balance XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX   XXXX  Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  + XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA 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 2016-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was fined {$70.00} in overdraft fees for XXXX payments. The payments were reordered in such a way that I was charged XXXX fees, even though there was enough money in the account to clear XXXX payment. second, I had {$4500.00} in deposits come in the next day ; those payments were supposed to come in on the XXXX but instead were posted the XXXX, which is what made my checks totaling {$1500.00} bounce on the XXXX. I contacted Bank of America multiple times and they refused to revisit the fees, even telling me that they purposely reorder payments from high to low despite stating publicly that they stopped doing that in 2013. I was directed to the depositor agreement, which merely states that they have discretion to order however they want, it does not say they order from high to low. They further started that i am not entitled to a copy of the recording of the conversation.

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 2022-10-11
Company: Mr. Cooper Group Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Rightpath mortgage company in XXXX XXXX. When I make my payment, Rightpath will not allow me to make additional payments to principal. The reasoning they are giving me is that back in XXXX I had some fees applied to my mortgage as my mortgage went into foreclosure which I have not missed a payment once I brought the account out of foreclosure status. ( approx 10 years ago ) What they are telling me is that I need to pay those fees 1st before they will allow the additional payments to principal, that they go by a " hierarchy '' when applying payments. I have been applying additional payments to principal for years. No other servicer has denied this in the past and I believe I have had 4 different servicers at this point. They are changing the terms of my contract and I believe they are doing this illegally. I have called several times to get this resolved to no avail. I would like a resolution to this matter not only for myself but for anyone else dealing with what I believe is a fraudulent practice by RightPath.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have reviewed my consumer credit report and I noticed some unauthorized accounts under 15 USC 1681 number 3. Equifax assumed this role without permission not only that you did not have my consent. Equifax did not respect my privacy pursuant to 15 USC 1681 a number 4. Equifax did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
TD Bank : Primary Mortgage and HELOC XXXX is trying to refinance the Primary Mortgage In order to proceed, a subordination agreement for HELOC with TD Bank is required TD has ( presumably deliberately ) dragged and mishandled the process for 3 months. 

This is costing thousands in rate lock maintenance and higher than market mortgage rate being paid to TD Bank vs. the proposed new mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I believe I was one of the individuals who Navient made my repayment of my loans difficult. My interest rates was was extremely high and bad information was given. Please help me to get to the problem of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Movement Mortgage LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On our initial meeting with Movement Mortgage on XX/XX/2016, they presented their closing cost estimate and our interest rate of 3.75 %. They noted that because my wife is employed by XXXX that we would receive a {$2000.00} credit towards closing. They wrote this on our paperwork they gave us which is clearly visible on the attachment, and XXXX also shows this credit on their employee discount webpage which we have enclosed as well. Fast forward 1 month and we find out our expected closing date of XX/XX/2016 has been pushed back to XX/XX/2016. We decide to let our rate lock expire and we will relock 60 days out around XX/XX/2016. On XX/XX/2016 we relock in at 3.75 % for 60 days which will give us a few days of cushion beyond XX/XX/2016 closing date in case anything happens and we dont close on time. On XX/XX/2016 when we are supposed to get our closing disclosure to meet the 3 day obligation, we hear from Movement that our rate and our product are no longer available. They claim because the Fed increased the rates that our interest rate had increased as well and there was nothing else they could do. They said this occurred sometime in XX/XX/XXXX but could not give specifics. They then said our new rate was 4.375 %. After some back and forth with the local loan officer, her boss, and his boss ( the top local boss ), we are put in touch with the corporate office where we present our attached timeline and letter. Within a couple of hours, the corporate boss calls us back and says they will honor our 3.75 % rate. We go to close on the XX/XX/2016 but we do not see our original {$2000.00} closing credit. 2 weeks later after moving and settling in, we email and call the local big boss about the credit. He does not respond to the email and is rude to my wife saying they had already done enough on getting us a great deal that we were not entitled to since our product did not exist anymore. It is our belief that the loan officer was negligent in locking in our rate at 3.75 % on XX/XX/2016 despite our repeated attempts for confirmation and her each time saying it was locked. We believe she, along with her boss and his boss all conspired to cover up this mistake by saying our product no longer existed and that we were stuck with the new higher rate, take it or leave it. We believe they fully agreed to our closing cost estimate and that it is not our fault they made a mistake and are trying to minimize their losses by eliminating the closing credit.

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 2022-08-18
Company: Westlake Services, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I decided to pay off my XXXX XXXX XXXX XXXX. I brought a money order ( negotiable instrument ) to clear the debt. I added a provision to the money order which clearly states I accept your offer of {$15000.00} for valuable consideration and tender this payment for complete amount in Accord and Satisfaction upon redeeming this instrument. Under UCC 3-603 ( b ) If tender of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Furthermore, under UCC 3-311, Accord and Satisfaction ( d ) knew that the instrument was tendered in full satisfaction of the claim. Westlake Financial Services received the payment, accepted the money order and then cashed it.

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 2020-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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