BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a Covid-19 forbearance with my prior servicer, XXXX. After my forbearance expired, my advocate submitted a modification application to Rushmore via email on XX/XX/XXXX. We received no acknowledgment of receipt of the application, other than an automated email reply. On XX/XX/XXXX, my advocate sent an email to the same address provided for submitting applications, inquiring as to whether the application had been received. There was no response to this query, other than a similar automated email reply. My advocate called Rushmore on XX/XX/XXXX, and the customer service representative informed her that the application was complete and was " with a processor. '' Today, XX/XX/XXXX, my advocate called Rushmore and the customer service representative informed her that the application was still " with a processor. '' My advocate stated that Regulation X 's time frames for reviewing the application had been exceeded, and the representative disagreed, saying that the application had been deemed complete only on XX/XX/XXXX. Setting aside for the moment that, if that were true, Rushmore still had missed Reg X 's deadline for making a decision on the application, my advocate observed that while Rushmore had never acknowledged receipt of the application, as Reg X requires be done within five days of receipt, neither had it requested additional documentation or information, and no additional documentation or information had been submitted in support of the application since the application was submitted on XX/XX/XXXX. Accordingly, the application was complete when submitted, and review of it should have been completed by XX/XX/XXXX. The Rushmore employee simply told my advocate that she could submit a complaint about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received this credit card in XX/XX/2020. My initial credit card limit was {$9400.00}. As of XX/XX/2020, First National Bank of Omaha decreased my credit card limit to {$500.00}. I have not had any late payments and I have not had any high balances. This is horrible customer service, especially during the pandemic of COVID-19. I contacted the bank and they informed me that I just have to accept this and that there is nothing that they can do about it. I need to be treated fairly and have my credit limit returned to its original amount.

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 2015-04-06
Company: ERC
State: GA
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:
After doing a routine check on my credit report, I noticed a collection on my report from Enhanced Recovery Company, LLC., for a debt that does not belong to me. 

A certified letter was mailed to Enhanced Recovery Company on XXXX/XXXX/2015 notifying the company of the false debt and the immediate deletion of the debt from my credit history from all credit reporting agencies. 

Enhanced Recovery Company received the letter on XXXX/XXXX/2015. Enhanced Recovery Company continues to ignore the certified letter and continues to report a false debt to all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
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:
In accordance with the fair credit reporting act public record XXXX XXXX XXXX  GA XXXX XXXX XXXX REF # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX  XXXX XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was in federal Prison when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.

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 2022-05-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, has violated my rights. 

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

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 2016-06-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AN AMBULANCE WAS CALLED FOR AN EMERGENCY AT MY HOME. I NEVER AUTHORIZED THE USE OF AN AMBULANCE, THEREFORE GET STUCK WITH THE BILL!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: U.S. BANCORP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I call ; ed the company and wrote to the company at least XXXX times stating I closed the account. This should be removed from ALL XXXX credit bureaus. The account was closed by ME not the copnay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Apelles, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2022, the company known as APELLES contacted me about an alleged debt that I do not owe in the amount of {$5100.00}. I have No prior or existing relationship with this company and its affiliates and/or assigns who are unknown to me at this time. This company has obtained my private and confidential non-public personal information without my consent or knowledge and are attempting to defraud me into paying it alleged debts that I do not now nor have never owed to it,. This company has no right to contact me or to attempt to collect any alleged debt from me. This company 's business practices violate my right to privacy as a consumer and also the Fair Debt Collection Practices Act 15 USC 1692. I have demanded several items as proof of the allegations and claims because I am confused as to how this company was able to obtain my private and confidential non-public personal information without my consent or knowledge since I have never done any business with it. 
I do not give consent to be contacted by this company any further nor have I ever given consent to be contacted by this company, I have demanded that this company cease ALL forms of communication with me immediately, I will be filing a formal complaint with the FTC should this company continue to contact me with schemes to violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern Im writing this in regards to unauthorized transactions which happened on XXXX XXXX through XXXX XXXX  with my capital one 360 checking debit card from XXXX with several transactions as follows XXXX {$1100.00} XXXX 2022 $ XXXX {$130.00} XX/XX/XXXX {$1000.00} and XXXX when I spoke to several claims representative I informed Capital One that my phone, wallet which includes all my credentials was compromised I also provided a case number from XXXX XXXX Police Department as I explained the urgency of why this was not authorized by me one representative stated that an investigation was going to be held in the mean time a temporary credit would be provided because this really happened at a bad time where I had to pay my mortgage and car note capital one did not care its been ten days when I called over and over they stated it would be taking care of I finally spoke to another representative who stated that my claim was denied because my phone was used well of course my phone was used it was stolen with all my debit cards and information I am very un satisfied with the service I received especially in this time of trouble please someone help because this needs to stop I provided police details etc and capital one has the nerve to come to decision without doing any research im having a hard time recommending this company to anyone from now on until this issue is fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is a second complaint submission I have continued to try multiple times to rectify this claim with Wells Fargo directly. Ive contacted the executive office several times as well as high dollar fraud office with Wells Fargo stated its a XXXX XXXX issue and XXXX XXXX states its a wells Fargo issue. My initial claim # XXXX. My police report # XXXX. 

COMPLAINT My account was hacked three times thru Wells Fargo. The charges were all taken from XXXX XXXX from my account to some XXXX XXXX account. the first claim I was able to be refunded. I went to the bank to get a new card. Not too long after similar fraudulent charges again to XXXX XXXX were made. This made me believe my account number it self was compromised I was assured by the bank it was not and they wouldnt allow me to get a new account or withdrawal all the funds from my account as my last name on the account was my married name XXXX not my maiden XXXX. I was divorced and needed a certified copy of my divorce decree instead of the online copy I received as the divorce was done all online during covid. Well for a third time my account was hacked for {$5700.00} and {$2500.00} from the same exact way thru XXXX XXXX and Wells Fargo is continue to deny my claim as I keep trying to escalate it. Had I have been able to get a new account or take my money out of my account as I tried this would not have ever happened for a third time. My concern as well is if I already had two fraud claims just since XX/XX/2021 for large amounts, why wouldnt these charges cause a red flag at the bank? I have filed a police report along with a claim with Washington State Attorney XXXX XXXX. Please help me to get my money back I am a single XXXX XXXX XXXX. 
Might I add if I wouldve been able to withdraw and close my account at Wells Fargo as I tried to this wouldve never happened. I was divorced during covid and only had an online printed copy of my divorce decree which showed my name change. The branch did not allow me to withdraw or close my account due to a difference in last names even though I provided my old license that showed my prior last name of green. I did in fact go to the court to pay for a certified copy of my divorce decree and went into the branch to withdraw my funds after this 3rd hack and little he known the representative at the branch did not even ask me for the certified decree! I need a resolution between XXXX XXXX and Wells Fargo Bank.

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 2015-07-28
Company: CITIBANK, N.A.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
We paid XXXX weeks late on our OneMain Financial Account. During the XXXX weeks, the local office was told only to call my cell phone. They called my work. After that happened, I called in and told them only to call my cell. XXXX from their office called all of my " references '' ( family members and friends ) and left personal details on both their voicemails and in conversation. My wife manages the bills and was down with a XXXX which is why we were late. This person caused us quite a bit of embarrassment and harm by what she did and all over two weeks!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted a XXXX XXXX  's office for a consultation and was told that the consultation fee is {$100.00}. I paid my {$100.00} for the consultation and after speaking with the very aggressive medical staff and reading reviews I choose to go with another XXXX XXXX instead. Although I wish I hadn't wasted my money on the {$100.00} consultation I didn't worry about it. After weeks of this XXXX XXXX 's office constantly calling me, I advised them that I didn't want them to call me again I have a right to choose my own doctors. Once I reviewed my transactions on my bank account I noticed that I was charged {$950.00}. I immediately contacted my bank ( Bank of America ) to dispute this transaction because I was only supposed to be set {$100.00}. 

Bank of America gave me a credit of {$850.00} and I was told that they will contact me if they needed any other information. Well, today XX/XX/22 Bank of America without anyone contacting me reversed the transaction so now my bank account is negative {$850.00}. 

How is this legal? A doctor 's office can get upset and charge you {$950.00} and I'm responsible for that balance even tho I'm not even having XXXX with them. Bank of America is terrible and I have zero intentions of clearing up this account balance.

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 2015-09-22
Company: I.C. System, Inc.
State: WA
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:
In XX/XX/XXXX, we closed our XXXX account via phone from XXXX and made our final payment. I even asked for documents confirming that the account was closed, which I cant recall if we received. Now a debt is appearing XX/XX/XXXX for that account that was closed 2 years prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I signed up for a Bill Me Later credit card and the company completely changed locked me out of the website then charged me late fees and sent me into collections and I could never pay the bills because I could n't log into the account when I made a payment over the phone they never recorded it to my account so I have no idea what happened to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: JPMORGAN CHASE & CO.
State: MO
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland credit management ( XXXX XXXX XXXX la XXXX XXXX XXXX XXXX XXXX California XXXX ) will not send me the information that I am asking for to validate this debt. Nothing that bares my signature, nothing showing I entered into a contract with this company, proof they are allowed to collect in my state etc. All they keep sending me are computer generated invoices with another companies name on it. I do not know Midland credit management, nor have I ever done any business with this company But yet they continue to report this negative information on my credit and say that I owe them XXXX and XXXX dollars. They just cant put things on peoples credit without proving that it is indeed their debt. Thats not right nor lawful

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX, of Prime Lending Mortgage, was a lender I was speaking with about possibly buying a home in XXXX, 2015. She disclosed to a real estate broker who I fired that I was buying a home - permission I did not give her - this real estate broker was her friend and her name is XXXX XXXX -and XXXX XXXX threatened to sue me if I used another broker even though she violated our real estate contract. XXXX XXXX violated confidentiality. Both XXXX XXXX and XXXX admit in email they exchanged private ifno about me. XXXX XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received two letters from Bank of America today- who I have never banked with. 

One of them stated that problems with my application for a XXXX XXXX XXXX and I needed to call and verify information. I have never applied for credit card with them. 

The second letter from Bank of America is a bill for {$75.00} on a XXXX XXXX XXXX issued by XXXX  XXXX XXXX. I did not open this account nor do I owe anything to Bank of America. 

I called BOA and after 30-40 min wait, they took my info, assured me that they are fraudulent and said I needed to speak with their fraud dept. They then placed me on hold again - one hour plus and no one would ever 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received XXXX emails from XXXX persons from Zelle. I sent back a response email to cancel the transaction because I did not authorize it. 
After the second email, I called the phone number in the email XXXX XXXX XXXX and talked with a XXXX @ XXXX pm for XXXX min. Spoke with XXXX, because the call did not go through he first time. 
XXXX told me that someone was trying to send me funds and wanted to know the name of my bank. I told him that I would not give him that information. 
XXXX emails from XXXX XXXX XXXX XXXX email from XXXX XXXX XXXX I can send copies of the emails. 
I do not remember having a zelle account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 have tried to locate the information of the bank and can't find the exact phone number. I need to report all credit bureaus because I am unable to verify all the information in proving my identity... I did file an identity theft police report

Company response to consumer: Closed with non-monetary relief