BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: COMMERCE BANK
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I WANT THE CONSUMER PROTECTION BUREAU TO INVESTIGATE THE THEFT OF {$250000.00}! 
XXXX  XXXX  XXXX  SUBMITTED A FRAUDULENT PAYOFF STATEMENT FOR A LOAN I HAD ALREADY PAID. 

I paid off an {$82000.00} line of credit in XXXX. I paid off {$240000.00} balance in XXXX I paid back the escrow I already paid AND paid beck and apparently paid again. 

I paid the taxes and insurance. I paid the credit cards in the second mortgage when I paid off the second mortgage I paid off a XXXX balance included in my first mortgage. I paid it off with the second mortgage. I paid off the balance when I paid off the second. 
Modification included all of it. 
{$240000.00} - XXXX XXXX - XXXX {$130000.00} balance in XXXX XXXX XXXX XXXX paid - XXXX balance XXXX - {$49000.00} 2nd principal balance at 0 % XXXX payments + XXXX already paid XXXX paid XXXX {$500000.00} I just Received A phone call from Commerve bank. 
I want a complete investigation by the comptroller of the currency. And the {$250000.00} stolen from me yesterday I owe commerce nothing. 
This is on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in contact with Rushmore Loan Services for the last 2 years. I have been working with them for the last 2 months to transition out of a loan forbearance. My loan is owned by XXXX XXXX. Rushmore offered me a loan modification that extended my loan by 17 years. I denied that offer. I requested a deferral which is an option with XXXX XXXX Rushmore denied my deferral request. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
1- SLS offered a loan modification, 2- we accepted the loan modification. 
3- we started paying {$370.00} starting XXXX XXXX ( Attachment # XXXX ) XXXX XXXX ( Atta. XXXX XXXX ) XXXX XXXX ( Att. # XXXX ) XXXX XXXX ( Att # XXXX ) mailed Cash down payment from helping agencies Paid {$11000.00} ( Att. # XXXX ) XXXX Paid all items ( Attachment # XXXX ) 5- Loan modification paid. The down payment, monthly payments. All done. 
6- But SLS continues to call, harassing us. 
7-They want to make us homeless. 
8- I am XXXX, XXXX XXXX, they change the loan modification 9- NEED TO STOP HARRASING, ACCAPT " YES " fot answer

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: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2022 XXXX XXXXl debt XXXX XXXX XXXX debt XXXX This was added to my XXXX XXXX has sold this debt to many creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: JPMORGAN CHASE & CO.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We sold and closed on a property on XX/XX/XXXX. It is now XX/XX/XXXX and we have not seen funds yet. On XX/XX/XXXX XXXX XXXX XXXX in XXXX, AZ, closed the sale of our property in XXXX XXXX, AZ. They were to wire the funds to our checking account at Chase Bank. Their bank is XXXX. The wire wasnt sent until Friday the XXXX. The wire has been sitting at Chase Bank since then. They say they emailed XXXX for confirmation that it was legitimate. XXXX says Chase emailed the wrong dept. it has sat at Chase for almost 2 weeks now. I have called them many many times. I contacted XXXX XXXX for help. All three entities are finger pointing, but getting nothing done. I literally have spent hours and hours on the phone trying to resolve and get my entire life savings. I am beyond frustrated. The service Ive received from these institutions is terrible. We signed our sales docs on XX/XX/XXXX and have nothing! Were not sleeping at night, Im at the end of my rope. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Account status incorrect

Complaint:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$800.00}

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 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Upon careful review of my Transunion credit report I found XXXX Public records listed under my name and SSN # which contain XXXX Chapter XXXX and XXXX Chapter XXXX records. I contacted Transunion by phone and according to the representative XXXX whom I spoke with on XX/XX/2017 these public records were verified with the Courts. 
My inquiry to the Georgia Federal Court of U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sent information to be investigated through the creditors and bureaux. It has been more than 14 days and no responds

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 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid the debt over a year ago from XXXX XXXX XXXX. They closed my account, however Trans Union has yet to report the account closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the fall of  XXXX , my wife received pre-authorization for a medical procedure from her medical group,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  The procedure was performed by a subsidiary of  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . THIS WAS A FULLY COVERED PROCEDURE, but we received a bill for the full amount, {$1300.00}.      XXXX  claims the payment was made ;  XXXX   XXXX  claims it was not. Our insurance provider,  XXXX   XXXX  of California has been unable or unwilling to resolve the dispute, despite my wife 's repeated calls over the course of a year and a half -- including three-way conference calls.     On  XXXX   XXXX ,  XXXX , with the bill still unpaid, my wife filed a letter of grievance with  XXXX   XXXX . Again, this produced no conclusive action. The bill has now been sent to a collection agency, who has added interest to the original balance. It bears repeating that this was a FULLY COVERED, PRE-AUTHORIZED PROCEDURE.     This is NOT a small matter of a book-keeping error. It is my firm belief that  XXXX  or  XXXX   XXXX  or  XXXX   XXXX  or perhaps all three are engaged in MEDICAL INSURANCE FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had 3 months trial loan modification from XX/XX/2016 to XX/XX/2016. 
I had made all XXXX months trial payments on time. The loan conciliation conference meeting was scheduled in XX/XX/XXXX for a loan modification at the local court. I was supposed to receive a final loan modification decision after making XXXX months trial payments ; however, I had not received anything from them. I made another extra payment while I was waiting for a decision. In the meantime, I had spoke with the person who works at the law firm ( for Wells Fargo Mortgage Co. ). As per she says, they had received the final loan modification from the Wells Fargo and we were approved. I had called Wells Fargo loan modification department and spoke with the XXXX. As per she says, the payment which I had made extra payment would be applied to XX/XX/XXXX payment ( which I would have a new loan modification from XX/XX/2016 ) and my first payment would start from XX/XX/2016 
However, an extra payment was not applied to XX/XX/XXXX payment and the Wells Fargo had not sent the mortgage statement which I was supposed to receive every month. 
Therefore, I would like to complaint my extra payment which have not applied to XX/XX/XXXX and they have lied to us. For that, I have XXXX month payment behind now. I would like to refund {$1300.00}.

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 monetary relief
Consumer complaint received 2016-10-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo listed a mortgage account on my credit reports. 
I contacted them to be told that they had nothing in their system under my name, SS #, address etc. and that I should dispute via credit reports. 
I disputed the tradelines. 
They verified them as correct. 
I have never been able to get any information out of them or to even admit the accounts are on my credit reports. 
Later, a different lender pulled my credit. 
I called them to find out why. 
They also claimed not to have my info in their system, but told me if their name was on the inquiries it means I was on a list of loans they bought that had been in foreclosure. 
I told them I never had a loan go into foreclosure-they had no answer.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I ve just received my credit report and noticed unauthorized items that shouldn't be reporting to the credit profile. These have been rough times during the pandemic and I'm tuna get to the bottom of the situation

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 2022-05-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 amount paid to merchant of {$560.00}, card ending XXXX. Billed by credit card company again for the {$560.00} on card ending XXXX. I contacted the merchant and he said he had only sent one bill for card ending XXXX and that bill had been satisfied. I contacted my bank and they said the amount for {$560.00} had been paid on XX/XX/2022 and it had been credited to my account. I have been fighting with the credit card company and get nowhere. They said the dispute I filed with them had been investigated ( XXXX different times ) and I was responsible for the charge. I have the paperwork from the merchant and my bank stating this bill has already been satisfied.

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 2016-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion will not investigate to verify the XXXX XXXX bank cards are closed and paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX BANK Credit Card XXXX XXXX, 2015 Open - Current No Missed Payments {$59.00} 30 % of Credit Limit* XXXX Credit Card XXXX XXXX, 2015 Open - Current No Missed Payments {$130.00} 66 % of Credit Limit*

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 2022-05-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following in my file. the items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report. please delete items as soon as possible. I wrote to have them delete and was denied and I need them removed.

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 2020-12-28
Company: Experian Information Solutions Inc.
State: NC
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 filed a dispute about some inaccurate things on my credit report. It's been over 30 days and I havent 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 2018-05-29
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:
Experian refuses to investigate the following accounts that are fraudulent. These accounts do not belong to me. I have contacted experian online and they refuse to accept my dispute online. The also refuse to connect me to a representative to handle my dispute over the phone. They have been fraudulently re-inserted onto my Experian credit report.The following accounts are not mine : XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX. XXXX XXXX- 4 accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-12-13
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to school with XXXX and I leave they say I owe them XXXX I agree to pay then they send me to debt collector lockhart morris and Montgomery now they saying I owe XXXX I paid them XXXX at once and now I owe them XXXX cause I told them am only paying them XXXX now they arrasting me saying they gona sue me and so forth and calling me all z time just for XXXX say they do n't want no payment plans they want the money one time or else I have to pay and extra XXXX what should I do. My email XXXXXXXXXXXX

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: U.S. BANCORP
State: TN
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 new checking account with US Bank in XXXX of 2022. I have been an existing checking account holder for 15 years. I received a promotional email to open a new checking account, set up direct deposit and receive a certain amount back {$200.00} or {$400.00} depending on the amount of direct deposits within the 90 days. I called to verify before opening the account that was eligible since I already had a checking account. I opened the account. Met all requirements. I called XX/XX/XXXX to verify. Spoke with 2 different agents and was told I met all requirements and the promotional cash back should be in my account within 3 to 5 business days. I opened a chat this morning and was told I was not eligible because I already had an account open. I asked why I received the promotional email in the first place. No answer. I explained that I had verified before opening the account. No response. The agent I spoke with had no recourse on anything that I could do. This is unacceptable and I believe they wanted another open account to charge monthly fees. The misinformation is also not acceptable because I should be able to trust what any representative tells me, especially for the institution that handles all of my income.

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 2017-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX my son purchased a Hyundai XXXX and I co-signed. The Retail Installment Sale Contract - Simple Finance Charge was signed by both myself and my son. Per the contract there were 59 payments at {$360.00} beginning XXXX XXXX, XXXX with a final payment of {$360.00} due on XXXX XXXX, XXXX for a total of 60 payments. The payment detail on the Hyundai Finance monthly statement dated XXXX XXXX, XXXX shows a regular payment amount of {$360.00} and a total amount due of {$370.00} for payment # 60. The payoff summary on the statement shows a payoff amount of {$370.00} good through XXXX XXXX, XXXX. While the differences in these amounts for the final payment are small, my concerns are two-fold. First, the payoff amount and the final payment per the statement on XXXX XXXX, XXXX should be the same since payments would have been based on an amortization schedule. There should not be interest charged beyond what is included in the final payment due. Second, is there a systemic problem across all Hyundai Finance loans that adds interest to the payoff amount that is based on the date the final payment is due and higher total interest payable than the amount shown on the executed Retail Installment Sale Contract?

Company response to consumer: Closed
Consumer complaint received 2016-11-15
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Mortgage sent me a check recently for overpaying my Escrow. A few months later they tell me I 'm short on my Escrow so they increase my monthly mortgage fees. I have a feeling I 'm not the only one they did this too. Is this illegal? 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following in my file. the items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report. please delete items as soon as possible. I wrote to have them delete and was denied and I need them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Early Warning Services, LLC
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:
After review of my consumer report with XXXX XXXX I determined inaccurate negative data on my report containing XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX Bank Routing # : XXXX

Company response to consumer: Closed with explanation