BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
we fell behind in mortgage, way behind. we have tried for loan modifications several times. one company took {$2500.00} and closed up shop taking my money with them. Rushmore, the mortgage company told me they would do modification for free, take 30 days. I called about 3 months later after never hearing anything even after phone calls and told they never did it and it takes 6 months!. we have gone to many people, taking money up front, even after I told husband not to do it, and no where. I cant do thru bank either. Now on XXXX XXXX I got a letter telling us that we had to sign our keys over to Rushmore by XXXX, 2016. That we would get only {$2500.00} AFTER they decided if it was acceptable to them. I have since got a letter from a lawyer telling me that the auction on property is XXXX XXXX, 2016 at XXXX XXXX. If it is being sold at auction then Rushmore is in now way going to give me moving expenses since they will then no longer own property. we have not sent back their letter. I do not have means to move as rents in my area are as high as mortgages! we also have a XXXX yr old son that they are putting out on street. We need longer then XX/XX/XXXX to get up funds and need much more then the {$2500.00} they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is the information fom my first complaint that was closed with no resolution : I submitted a fax requesting a freeze be put on my consumer file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. 

Since then I have called on a daily basis and have left more messages than I can remember. I resubmitted my information by fax on XXXX and still no response from SageStream LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Ivy Street Development Corp.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX   XXXX   Military  XXXX ,  Veterans Administration are yea rs behind paying medical bills that they are responsible f or. Hospital, and their Attorneys put a l ean against my home. Plus I have partial  XXXX , have had  XXXX  for a short period of time. I have always had  Insurance. It 's not my fault that my Insurance is slow paying this dept, and I should n't be held responsible for this dept in question. Thank you for your time, and your cooperation with this matter. Hope to here from  you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: First National Collection Bureau, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First National Collection Bureau , Inc. through XXXX is attempting to collect a debt that has long passed any legitimate time frame to collect. In FTC XXXX ( 2009 ) the Federal Trade Commission made is clear the defining terms on a legitimate collection. The first one being that is the debt collectible within state guidelines of the consumer 's domicile. This time line has passed several years ago. I have attached a copy of my complaint directly against XXXX for doing illegal collection practices and for re-aging the legal timeline for removal. I demand that my file with First National Collection Bureau , Inc. be purged immediately and permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my loans.

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 2022-03-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my American Express green card account ( ending in XXXX ) on XX/XX/XXXX. They continued approving recurring charges after that date. I had access to the closed account and so could see the new balance, and continued to pay the balance monthly. I called and asked them to stop approving new charges since the account had been closed by me, and I called the merchant to tell them to suspend recurring charges. Instead, the merchant continued submitting charges, and American Express continued to approve them, even though the account was cancelled. In XX/XX/XXXX, I opened a new green card ( ending in XXXX ) and at that point could no longer access the old account ( XXXX ) to view the balance or make payments. I called American Express to verify there wasn't any account with a past due balance, including the account ending in XXXX, and they informed me all accounts were current. They reported the account ending in XXXX as delinquent in XXXX and XX/XX/XXXX, as a result of charges submitted months after I closed the account and they approved " on my behalf '', despite my cancellation of the account and instructions not to approve any new charges. I believe they do this because it is in their financial interest to do so, even though it harmed my credit score badly. I've been a card member of American Express since XXXX. I've written to their customer service and credit bureau unit XXXX times over the past 12 months and have filed XXXX formal complaints with them. I don't believe they should be able to legally approve charges on behalf of customers on closed accounts and then bill those customers for late fees and report the accounts as delinquent, when the customers expressly instructed them to cancel accounts and stop approving charges. They made money in this situation, and my credit score decreased significantly. It's the only delinquent report in my credit history in my lifetime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX {$8200.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX XXXX {$0.00} U S DEPT OF ED/XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$290.00XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-03-17
Company: Experian Information Solutions Inc.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Infamis of pulls for the following pulls : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX account shows that I have a late payment on XXXX XXXX which is incorrect and balance is current and on time. 

Remove all late payments and change the payment status to current because of Cares Act. 

This account was paid as agreed on time I was never late XX/XX/XXXX this is information is inaccurate and completely false. You can not report inaccurate information this a violation XXXX false misreporting please update account to current and paid as agreed on time 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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}, XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX Balance : {$160000.00}.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: AZ
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 traded in my XXXX XXXX  for a XXXX on XX/XX/XXXX. The payoff was done late by the dealership causing a negative mark on my credit and over XXXX points being removed. XXXX corrected the problem partially. I should have my XXXX added back plus points for the payoff. In addition the account should be shown in a positive not negative way like it is. Account was paid in full due to a trade in.

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 2022-01-04
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My spouse and I have had a VA mortgage with Amerihome since XXXX. We were listed as Joint Tenants on the deed. In XXXX of XXXX, my spouse passed away. In XXXX of XXXX, I refinanced the loan with another mortgage lender to remove my deceased spouses name from the deed and the loan. I paid the loan in full in XXXX of XXXX. There was an overpayment in the amount of {$5400.00}. I have been trying to recoup that amount since XXXX of XXXX. They sent me the balance in my husbands name in XXXX and I called and requested it be sent in my name since he was deceased and I could not cash it. They said they would. They then sent me the same check again in my deceased husbands name. I again called and said I needed it in my name, I could not cash a check made out to my deceased husband. They said they needed to make me successor on interest on the loan to make the check payable to me. I asked if we could start that process and asked for the documents needed. They requested my spouses death certificate, my ID, and a letter from the court. I submitted my spouses death certificate, my drivers license, and a letter from his estate naming me as the administratix. Later, they sent me a check made out to The Estate of XXXX XXXX. I called again and stated that his estate had been closed in XXXX and I could not cash the check and said I needed it in my name. They said they needed to make me successor of interest. I said I had already spoken to them about that and done what they asked. They said they didnt have enough documentation and the letter from the court wasnt sufficient, although I verified with the court and a real estate attorney that the document I submitted was the correct document to add my as successor of interest. At this point, I have called them every month since XX/XX/XXXX, and it is now XXXX. Every time I call im either told, the check is coming, or they dont have what they need and I will be asked for something new that was never requested prior. In XXXX they requested the current deed to the home to show I am the owner. I sent them - the Affadavit - Death of Joint Tenant ( by surviving spouse ) and the current Grant of Deed showing me as the new owner. I called on XX/XX/XXXX and the man I spoke with said they had everything they needed and I would be added and the check sent out. I just received a letter in the mail today, XX/XX/XXXX, stating they need the old deed showing us as joint tenants. I called and they are saying they can not add me as successor without that deed, although that has never been asked of me until now, they had possession of that deed the entire time they were the lender for the property, and they have the affidavit documents showing that we were indeed joint tenants and the property was transferred to me. At this point, I dont know what to do. It genuinely seems as if they are TRYING not to return my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had applied to XXXX different private companies for a small loan for school tution, all of which required me to add a co signer which I declined. 
XXXX companies ran a credit inquiry twice when I only applied once. 
XXXX and XXXX XXXX. 
As you can see, the dates are XXXX day apart. These inquiries are negatively affecting my credit score, which is not of my own wrong doing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This matter is about a Private student loan ( I am the co-signer for my son, who defaulted on it, so I have been making payments via automated payment through XXXX XXXX for several years now ). 
The loan provider is : American Education Services ( AES ) Current Situation : XXXX XXXX proof of payment copy shows payment sent on XX/XX/2016 ( delivery : XX/XX/2016 ). On XX/XX/2016 I received notice of delinquency on account. I called AES and spoke with operator. They confirmed that payment was received, however it was in " suspended '' status, but they had no knowledge of why it was in this status. They promised to process it. On XX/XX/2016 I checked status to find it still delinquent. I spoke to another operator ( # XXXX ) who re-confirmed the same thing from XX/XX/XXXX. They also promised to process it for payment. On XX/XX/2016 I received e-mail from XXXX XXXX advising that my XX/XX/XXXX payment had been returned. I again called AES and spoke to another operator ( # XXXX ), who also re-confirmed the previous XXXX, but also stated that they did not return the check to XXXX XXXX and still had it. They also promised to process it for immediate payment. I recorded that call and that operator advised that it was an error on AES and that the account was not delinquent ( even though it shows as such and I would continue to receive notices of delinquency ). On XX/XX/2016 XXXX XXXX re-deposited the XX/XX/XXXX payment back into my account. On XX/XX/XXXX, I received another e-mail from AES on account delinquency threatening me with negative credit reporting. I now have proof of payment from XXXX XXXX of my scheduled XX/XX/XXXX payment ( issued on XX/XX/XXXX and delivery on XX/XX/XXXX ). 

I believe that AES is a corrupt organization that uses threatening & devious ( possibly illegal ) tactics to deceive account holders into making additional payments ( by putting payment into " suspended '' status and requesting additional payments, checking account numbers, credit card payment, etc. then releasing the suspended payment ). Their " operators '' have little or no knowledge or authority ( obviously, based on my recent experience ) to solve problems. 

I need urgent help getting the mess created by AES cleaned up as I ca n't seem to find anyone capable or responsible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  ( XXXX ) pulled my credit report without permission. I did not apply for any loan with them or fill out any applications. I called and they said they can not help me and to call Experian. I called Experian and they said they can not remove inquiries and to call XXXX XXXX. So there is nothing I can do except go online and tell everyone not to use XXXX XXXX and not to subscribe to Experian as there is an endless loop there with no help.

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 2016-09-09
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I tried to help my son further his education and I was misinformed of all the interest etc. my son enrolled in XXXX XXXX in XXXX. The school has now closed nationally. My son was failing his classes and only needed to 2 months to complete his course. We tried to appeal it and he was informed that he would have to take the whole course again. I have been a single mother since 2007 and I can hardly manage providing a roof over me and my children 's head. I feel I was misinformed. If we went to a community school I know that it would be different. Please contact if you need my acct numbers for the FED LOANS. Thank you Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: TX
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 frustrated to see the Credit Bureaus do nothing about my requests for the removal of the fraudulent items from my Credit File. I am submitting this complaint to do another request and have the items that resulted from the theft of my Identity be deleted from my Credit file. The Credit Bureaus are given ample amount of time, to conduct a proper verification and provide proof that the items are indeed mine, by the FCRA regulations and yet they have failed to comply with the Federal law. Let me remind the Credit Bureaus that they are required to comply with the FCRA section 605 and remove the following fraudulent items completely from my Credit File with or without proper investigation since the time allotted for them to investigate is already over. Pursuant of the FCRA regulations, I am urging the Credit Bureaus to delete the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief