BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have always paid our mortgage. Included with each payment is an amount to go towards escrow. This includes taxes and our homeowners insurance policy payments that each are paid once per year. The amount paid towards the insurance yearly is {$1300.00}, which comes from our monthly mortgage payment of {$1500.00}. Our servicer/mortgage company, Rushmore, was responsible and has been making the insurance payment for the last several years. 
On XXXX XXXX, we received a notice from the insurance company, XXXX, that they would be cancelling our policy due to non-payment. I got on the phone right away with XXXX, speaking with XXXX, who then put me on a XXXX call with Rushmore, rep. XXXX ID XXXX. XXXX confirmed that Rushmore had sent the insurance payment on XXXX XXXX to a XXXX, XXXX address. XXXX stated their only address for payments was in XXXX, XXXX. He also wanted to know when they could expect the payment. XXXX said they would need to track down the XXXX XXXX payment, and then would send a new check.She said it would take a couple of days. 
I called XXXX to confirm payment had been received on XXXX XXXX. No payment received and they did another XXXX call. The Rushmore rep. XXXX ID XXXX said that they still had n't found the first check, but that they would issue another XXXX and wanted to send it overnight to XXXX. I called again XXXX XXXX, but XXXX had n't received anything. Another XXXX call with Rushmore rep XXXX ID XXXX, produced the same scenario, he said they had n't found the old check, but that they would send another one right away, and needed an overnight address, which the rep from XXXX gave. I had another call on the XXXX, speaking to XXXX, and her supervisor XXXX ID XXXX, who assured another check would be sent, and still researching the old check. She again got the overnight address from XXXX. XXXX XXXX, XXXX and XXXX calls on those days produced the same results, with no check being received, but promises to send a check overnight, and asking for the overnight address. On the XXXX call, XXXX asked for me to send a no loss letter. I sent it the next day on XXXX XXXX. On XXXX XXXX call, they asked for another no loss letter, and I sent that XXXX XXXX. I called back XXXX XXXX, again no payment received, XXXX call with Rushmore, with a promise to send the payment overnight. As of today, XXXX, no payment has been received, and XXXX notified me that my insurance policy can no longer be reinstated. At this point if I want the same insurance coverage, my premium will go up from {$1300.00} to {$1400.00}. That may not seem like much, but we would n't be in this position of not having homeowner insurance or having to pay a slightly higher premium had it not been for the carelessness of our mortgage company and servicer, Rushmore Loan Mortgage Servicing. We have always paid on time, with the expectation that they would do the same for escrow items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of the last payment is not correct on three credit reports.which is a violation. This is impacting me from moving forward to buying a house for my family.I attached my previous credit report and my new credit report to show how Equifax violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: First Data Corporation
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency under reference number XXXX is attempting to collect on a debt that is not valid. Was not happy with the merchandise, it was returned. XXXX tracking proof shows that merchandise has been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I was informed by XXXX after placing a request for XXXX through there online app that their was a freeze on my credit report. Upon receiving this information I spoke with 1 customer service rep ( who was rude ) and 2 supervisor 's in an attempt to correct an error in which on XXXX/XXXX/16 I had request for permanent removal of the freeze. No one assisted me in the error that Equifax caused. I continued to be informed that I had to pay another XXXX in order to get it removed after I already paid on XXXX/XXXX/16. The way in which they speak to the customer is an attempt to confuse them which is no professional nor ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I bought a computer from XXXX XXXX but started having problems with them around XX/XX/2015 when XXXX contacted me. I did not know who XXXX was so I called XXXX instead. they stated that they were unable to process my XXXX card. After calling XXXX and XXXX back I was told to now give XXXX the number on the front of the card and NOT the banking and routing number as they previously asked. then everything was fine and they gave me back all late charges they had charged me. They NEVER called me, emailed me or mailed me anything. when I asked them why, they responded that they do not do that?! then a few months later XXXX called me again to say that it was still an issue. I called XXXX, spoke with a supervisor and all was fixed. ALL LATE FEES were given back to me and they were very apologetic. then I found out that they reported these late fees to credit reports. when I called bestbuy again, they agreed they were at fault, apologized again and said that they would fix this with the credit reporting, which they never did. I filed a compliant with Experian but still nothing has happened, Experian says that according to bestbuy I had a late payment in XX/XX/2015. I have a statement from XXXX XXXX showing ( XX/XX/2015 ) that the late fee from XX/XX/2015 was returned to me. I also have a complete list of all charges, fees, etc and none are late fees. I never had a late payment with bestbuy and all of the late charged were returned to me. I have proof of this and will forward it to you as I did with Experian. After I paid XXXX off, they will not speak to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BARCLAYS BANK DELAWARE
State: KY
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:
I opened a CFPB complaint previously, it was closed today. The response letter I received for my complaint was for a different customer, with a different issue. ( See attached ). 

My issue remains unresolved. XXXX from the XXXX office called me last XXXX to inform me XXXX ) that she would not be calling to update me any longer XXXX ) they know a credit needs to be issued, but informs me it will be issued on their remediation timeline. 
XXXX ) they forced me to make a minimum payment beyond what my accurate balance is in order to prevent the account from going delinquent. They refused to adjust the balance to the correct valance, or the minimum payment. 
XXXX ) that i would need to continue to pay any over-inflated minimum payment until they decide to resolve the matter XXXX ) they were closing the complaint because of their needed deadline, even though the matter is not resovled in any way, shape or form ... and now they have the nerve to send me the response of another customer, with his personal information of name, address, checking account details, etc. 

Barclays clearly has no controls in place what-so-ever. They refuse to comply with the law or handle billing disputes for duplicate balance transfers.

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 2017-03-01
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Capital Management Service LP RE # XXXX ( XXXX ) On XX/XX/2016 I send a debt validation letter CMR # XXXX alleged balance, proof of calculation and documents showing I agreed to pay this debts. I did n't get a response. On XX/XX/2016 I send a follow up letter regarding my disputed CMR # XXXX. I still did not get a response. I do not believe this debts belong to me and I have requested them to remove this my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting a dismissed Bankruptcy that is damaging my credit and opportunities of new credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable accessible housing with this as a factor. credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating that they are not reporting. This is already a public record and they do not report to any credit bureaus. I am being penalized as if this bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to my inability to to follow through because of declining health and insufficient debt. I am receiving the same punitive treatment as if i had followed through and none of the forgiveness or debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I called Santander and we agreed to a settlement. Upon completion of the settlement on my part they reported to the credit beauru a XXXX dollar balance but they have it showing derogatory on my credit reports. When I have fulfilled my end they did n't report accurately I sent in good will letters to remove late payments and account but had no response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received many calls from the company but always an automated response with no information about the debt. I have tried to contact someone from the company to inquire about the debt but they are unable to tell me anything about it. Appears to be a scam based on what I read online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX phone XXXX was the motel I rented a room for my son XXXX for 10 days at {$60.00} a night. They also were given {$50.00} in cash as a security deposit on XXXX/XXXX/XXXX. The merchant # was XXXX and store # XXXX. This was charged by me on my Discover Card XXXX on the same day. 

3-4 days later the owner evicted my son, since a visitor has come to his door, unbe knowings to my son of his visit. He verbally harassed my son to leave and we were never told there were no visitors allowed. I had to secure transportation to another hotel. The owner of the hotel would not give him any funds back. I also sent a letter with XXXX drivers license in the letter to the hotel, which they have never given this back to my son nor returned to me in the mail. 

I have spoken to Discover and the motel several times to delete the entire charges on my account. They want documentation, which did not happen since it was verbal abusive behavior. Discover has before refunded it and then adds it back on my checking account, which is now frozen. My mail is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and discover is XXXX XXXX XXXX, XXXX XXXX Oh XXXX. Thanks, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TD bank overdraft fees - set up new XXXX new accts, XXXX saving & XXXX checking with debit card. I was clear I only wanted too use money on my card, but in signing all paperwork I did sign off on overdraft protection. XXXX weekend I had XXXX debit withdrawals ( all under {$15.00} some only {$2.00} ) - they were not deducted from avail cash and all processed on Monday, using the highest amount XXXX ( not the dates of withdrawal ) thus creating {$170.00} in overdraft fees. I went to bank to XXXX ct branch and spoke to branch mgr & Vice President, XXXX fee was removed but would not remove {$140.00}, my mentor then went too see her and was told " it 's all his fault, not the banks, and perhaps we need to due a better job teaching life skills, and maybe he should n't be on his own yet " we 've exhausted all avenues with bank, with no help because they all refere too what this Vice President put into acct, our last conversation was with a customer service supervisor ( XXXX ) that told us nothing could 've changed because it 's all done by computer algorithms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with a phone service which I paid thru XXXX. So I checked my credit report and it says that I still owe for that phone bill but now it 's says from diversified agency. How can I take off this XXXX debt from diversified?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Credit Control Services is reporting under XXXXcredit bureau and have not verified debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2017-03-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had cosigned a lease on my sons college dorm in XXXX, XXXX. 
The landlord, XXXX, claims damages and refused to return the security deposit, and charged {$87.00} to replace a light bulb and other frivolous charges.I have disputed the bill and have written numerous ( 10 ) letters to the landlord and to XXXX, XXXX XXXX. 
XXXX has not replied to my disputes and requests for documentation. 
And they filed a negative item on my Equifax file. 
Can you help this to be DELETED from my credit file?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am on XXXX and get my checks on the XXXX Wednesday of the month. I asked the mortage lender to change my due date from the XXXX to the XXXX and they said they did not have the option and I am paying late charges every month

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Ballybunion Enterprises, Inc
State: NV
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:
freedom furniture in XXXX, va. contacted my command repeatedly even after i returned the merchandise and secured a letter from the store manager releasing me from any contractual obligations as i was ordered by my command., contacted my command numerous times. this continued action caused me to be XXXX from the XXXX. they have filed numerous times with different account numbers on my credit report for the same contract i was told by the store manager i had been released from. they have filed with the court of virginia after i left the state post discharge for wage garnishment. they have continued to call, mail, and as of late even emailed my trying to collect on a debt since XXXX 1997. the account has been listed as charged off only for them to refile it under a new account number as a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Nelnet, Inc.
State: GA
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:
You go to this " school '' in hopes to get an education and to better yourself to end up not being able to. They were localized to XXXX but had a branch in XXXX Out of nowhere the XXXX branch was told to pack up and get rid of everything. Papers, supplies, funiture ... you name it. Those that graduated have been told we cant go to state board due to the schools money fraud. We were lied to and allowed to be robbed educationally and financially. XXXX is a joke. More like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card accounts under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6700.00}

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: NM
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:
Wells Fargo, {$80.00}, On XX/XX/XXXX the autopay on my XXXX Credit Card was turned off. I have had this card for eight years and have always had autopay on. I only found out that it was turned off upon seeing two financial charges on my credit card statement for a total of {$80.00}. Upon reaching out to Wells Fargo they Told me that I was the one that turned it off and said that they could not help me. When I asked them for information on the device that was used and the location they told me they could not give me this information. Because of this missed payment my credit score could be effected.

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 2016-06-17
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I made a payment on the highest interest/highest amount loan. A few days later, I saw I still had {$40.00} to pay on that loan. I called and asked why, and was told that I did n't choose the option to " pay off loan '', I simply made a payment. I was frustrated that the option to " pay off loan '' was not in a clear and obvious location on the website, and that I was never told about the differences between the two options. When I spoke with a manager, I was also informed that the loan amount reflected on my screen is not an accurate reflection of my loan amount. I was told this gets updated only 1-2 times a month. This makes it almost impossible to have confidence that I can pay off my loan for good. It is also dishonest and irresponsible of Fedloan Servicing to not provide borrowers with accurate, clear, and accessible information on our loans. I was very fortunate to speak with a manager who understood this and explained to me in a clear, honest manner. I would urge Fedloan and the department of education to change dishonest practices implemented to keep borrowers in debt indefinitely for lenders ' benefit and instead create a system that accurately reflects loan amounts.

Company response to consumer: Closed with explanation