BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CFPB complaint # XXXX about M & T BANK The following is a continuation on this account with CFPB. 
I, XXXX XXXX received the re-issued check for {$460.00} yesterday, XX/XX/XXXX. 
The M & T check # XXXX was a re-issue of check # XXXX from XX/XX/XXXX. 

What I didn't receive was the escrow from M & T using my money for almost 4 years.

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 2018-06-24
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Midland is falsely reporting a settled and closed account as open. They never investigated to see if the account was closed they just reported the account in Collections on my credit reports. I contacted them, but they never resolved the issue. I have attached a proof of payment. The account was settled by XXXX XXXX XXXX XXXX XXXX. They are a debt assistance group. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$760.00} {$760.00} XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX  ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Selene Finance LP
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. My sister XXXX XXXX and I co-purchased and co-own a home at XXXX XXXX XXXX in XXXX California. Our FHA mortgage was necessary because of my sister 's poor credit and being in collections on student loans. Our initial lender was XXXX XXXX who sold to XXXX XXXX. XXXX sold the loan to Selene Finance LP POB XXXX XXXX PA XXXX this spring. My sister set up the online access. On XX/XX/19 I called Selene requesting a pay off amount and learned my demographic information was not provided to Selene when XXXX XXXX set up the online account. Selene advised closing the online account and setting it up again with both of our contact information. When XXXX XXXX learned I contacted Selene she yelled at me that I did not have authority to call Selene. That day she transferred {$12000.00} from our joint account into her personal account and called Selene and told them I was bipolar and not to do anything I asked. The Selene representative I talked to named XXXX told me this when I talked to her on XX/XX/19. Since then Selene has refused to provide me any documents regarding the mortgage and has not answered two emails requesting information. I no longer have online access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: WI
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: Was not notified of investigation status or results

Complaint:
I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this check into cash hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.

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 2019-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 sent a certified letter with return receipt to XXXX XXXX on XXXX19 with an enclosed check for the full amount allegedly owed. Stating : " Enclosed is a check for the alleged balance for the above-mentioned account # XXXX for {$1900.00}. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full. 
2 ). You agree to remove any and all derogatory reporting from all credit bureaus including but not limited to XXXX, XXXX & TransUnion. 
3 ). All collection attempts & activities shall cease. 
4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 
Upon cashing this check you have 30-days to comply with the above. 
Notice to principal is notice to agent, notice to agent is notice to principal. '' On XXXX19 XXXX XXXX received the letter, and cashed the check on XXXX19. The account has still not been removed my credit file even after XXXX XXXX received my letter/contract where it stated upon cashing the check, that they agree to the terms in the contract. I then sent another letter to them with a photocopy of the first letter/contract and the check. Stating : " Since you have cashed the check you have violated the terms of the contract by not settling the account as paid in full, and also by not removing any and all derogatory reporting from all credit bureaus including but not limited to XXXX, XXXX & TransUnion. By dishonoring the contract and violating the terms, you have agreed to compensate me in the amount deemed reasonable by the court, and the agreement is a Cognitive Contract, where you also agreed to Summary Judgment against you. '' On an updated report it still shows Failed to Pay.

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 2017-11-21
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This morning, XXXX XXXX XXXX, I received a notice that my credit was lowered due to an outstanding debt. That was strange because I have been diligently paying all bills. 

On XXXX, I see this erroneous debt of {$200.00} being collected by " DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX '' dating on to XXXX XXXX, XXXX on behalf of XXXX XXXX 

However, all of my bills for XXXX have been paid on time and in full. I contacted XXXX XXXX XXXX to make sure I have no late payment. I have 0 $ balance, my account is in good standing. I checked my XXXX billing statement and I have a payment confirmation for XXXX See attached document. Needless to say I was never contacted by " DIVERSIFIED CONSULTANT '' by phone or mail regarding this debt. 

I am currently applying for a US Gov't Clearance. This report will negatively effect my Clearance and employment status. I will pursue criminal charges against " DIVERSIFIED CONSULTANT '' to the fullest extent of the law. 

There are many matching complaints online from others victimized by this company. 

Thank you for removing this false claim immediately. 
Best regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In I believe it was XXXX, I filed a complaint against XXXX  for not knowing who they were. I reviewed their response to this bureau, and they removed their listing on both XXXX  and XXXX, but they failed to remove it on XXXX. 

I got this long response about how the case had gone from here to there, and at the end of the day, they got this case in XXXX after it had been charged off by two companies in XXXX, and it was opened in XXXX. However you look at it, these two bill which were taken off my credit report last fall by the original companies, is over 7 years old, but due to the redaing of the XXXX account. theyd like to keep it on my report longer. 

I had expected to see this company off of my XXXX  report as it was taken off on the other two, and I was surprised to see that they think they can keep it on, but I am not shocked, as this is how they have answered letters previously sent to them with Xmas card like offers, etc. 

I have copied my XXXX  report as it is today. This appears to have been ignored in XXXX, they say they couldnt get a hold off me, and that in XXXX, its still due. 

If the companies have had the original debt drop off for reaching the 7 year mark, so should the collection agency. 

I asked for very specific information from this company in my letter, and it has never been recieved. The information being reported is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX  and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
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:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I subscribed to XXXX through a XXXX offer. I never had any direct dealings with XXXX. I paid for XXXX on my XXXX bill. When I moved, I returned all equipment per their instructions. XXXX first began to harass and bill me for the equipment. I supplied the XXXX tracking numbers which showed that the equipment had been returned and they stopped trying to bill for that. The final amount due to XXXX on the XXXX bill was {$120.00}. I paid that bill in full. In fact, I overpaid and was refunded {$42.00}. XXXX began to harass me for the {$120.00}. I have checked with XXXX  numerous times and was informed that XXXX had been paid, that I correctly paid the final bill, and that I didn't owe anything to XXXX nor should I pay them directly. I also spoke with XXXX and thought it was finally resolved. Then I started receiving collection notices which I initially responded to but they just argued that I was supposed to pay XXXX not XXXX. I had never done that. They filed a collection notice and that impacted my excellent credit report rating. I disputed that claim. It was resolved and removed. Not too long ago, out of the blue, I received a collection notice once again offerring to reduce the {$120.00} to about {$76.00} - I don't remember the exact amount as I threw it away. Today, I received a notice of a collection notice filed on my credit report. It's from AFNI, Inc for the same {$120.00} bill that I have previously been harassed on and that I cleared from my report once already. The last payment in full to XXXX was made on XX/XX/19 which included the {$120.00} for XXXX. This new report has dropped my credit score by 63 points ( and my score was " very good '' with only a few points to go to hit " excellent '' in the 780 's. This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX accts nos.XXXX and XXXX are accounts that I have reporting to XXXX , TRANSUNION AND XXXX . 
The accounts are closed.Both accounts have a balance that is less than the credit limit.All of the accounts have been intentionally misreported following each and every credit dispute with each of the BIG 3 bureaus as to whether or not they are open or closed or what the current balance was at the time of the dispute.I perceive this occurs because XXXX XXXX has no interest in adhering to the strict standards of accurate and complete credit reporting as required by the FAIR CREDIT REPORTING ACT. 
In each and every dispute, the disputes are answered to XXXX XXXX in an automated fashion as of the previous statement cut date ... and therefor the only 'guaranteed ' days of accurate credit reporting are on the statement cut date themselves.Each and every intentional misreporting of credit carries a {$1000.00} statutory penalty to be paid by the subscriber and co-operating bureau ( where negligence and intent can be proven ) .I may have to file suit to collect, yet this complaint this day is a record of notice to all three bureaus of XXXX XXXX   INTENTIONAL MISREPORTING AS A PATTERN AND PRACTICE.THE CORRECT REACTION OF ALL 3 BUREAUS IS TO NOT ALLOW THE REPORTING OF CREDIT BY XXXX XXXX UNTIL THEY WILL ABIDE BY ALL CREDIT REPORTING LAW. 
THIS OFFENSE COULD AND WILL BECOME A CLASS ACTION INITIATED BY ME.IT IS SUSPECTED THAT ANY DISPUTE BY ANY CUSTOMER OF CREDITONE WILL BE INTENTIONALLY VERIFIED AND MISREPORTED ... thousands or millions of XXXX customers are being harmed with the cooperation of the BIG3 credit bureaus as of today 's date.

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 2019-05-05
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX was previously removed from my reports, only to be reinserted in 2018. Previous complaint on file with cfpb, yet neither company responded to complaint.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-18
Company: Tribal Lending Enterprise, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a short term loan from XXXX XXXX XXXX. I paid it off early but they still charged me a large fee. It cost me almost 2000.00 dollars just to pay it off early they said I had to pay the fees to pay it off early and that I would owe them anyway. I think I was done unfair and they owe me money back.

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 2019-05-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In the month of XX/XX/2019 I experience approximately {$15000.00} being transferred from one of my accounts in three increments of just under {$5000.00} each, to what by all appearances was a legitimate company. ( XXXX XXXX ) I've come to understand having had several conversations with Citizens Bank, that any entity posing as a legitimate company who has access to your account number and bank routing number ( which appears on every check you write! ) can pull off this scam. 

The perpetrator begins by sending small deposits to the account followed by major withdrawals, typically starting the next day. 

The bank has refunded the monetary losses but certainly not paid for my time or aggravation. ( New checks, account overdrafts, payroll withdrawal reestablishment, etc. ) In my discussions with the bank, I have learned that they have security tools to prevent this type of fraud. The outrageous absurdity is that they want to charge me for these tools! 

How is it that XXXX can tell me when anybody is attempting to access my account and the bank can transfer funds without a word? 

I have been led to believe that this is common practice for banks in general. If so, this needs to be addressed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home on XX/XX/2020. The estimated refund of the escrow account for this payoff of the mortgage was {$1800.00}. I carried this mortgage for five years and all payments were made via ACH and on time. I called the mortgage service company ( Specialized Loan Servicing LLC ( SLS ) on or about XX/XX/20 asking for the status of this refund of the escrow balance. I was told, no the refund could not be made to me by ACH, all such refunds go by check. My check should go out by XX/XX/XXXX or surelyXX/XX/20, at the latest. I called SLS on XX/XX/20 to complain I still had yet to receive this refund. I was told a check was scheduled to go to me XX/XX/20. Why such a delay of over three weeks? If and when I get this mailed payment, my local bank, XXXX, will impose it's own hold on these funds for additional days as this payment clears the bank system. It will be close to 30 days before I see these funds which were " good cash '' on closing, XX/XX/20. 
SLS sent me a letter dated XX/XX/20 with a copy attached notifying me their lien on my property for " released or satisfaction of mortgage '' and that public filing was dated XX/XX/20. Since when do court filings now beat check payments by mail no less? 
Ten days later I still don't have the refund of the {$1800.00} escrow balance. 
Obviously, we all know the value of money and who holds the cash. SLS 's inordinate and criminal holding of these funds should be investigated as an abuse of consumer rights. If I was to be late in a mortgage payment their rules allow they charge consumers a minimum " late '' fee of $ XXXX {$35.00}. Is there no such late fee when the likes of SLS holds my escrow funds for 30 days after the close of a mortgage loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
XX/XX/2019 : I received in the mail a NETSPEND PREPAID MASTERCARD. I never requested, authorized, activated or in any other way contacted the Netspend firm to inquire about this type of card. I have no need for it. I cut the card in half, sent them a letter and requested NO FURTHER ADVERTISING OR MARKETING COMMUNICATION from them. NETSPEND did not respond in any way. 
XX/XX/2019 : I received a SECOND NETSPEND PREPAID MASTERCARD in the mail. Once again, I sent a letter to Netspend, returned the cut up card and all the associated materials, that this was unauthorized, rejected, never requested and would not be activated. Once again, I never received any type of reply. 
XX/XX/2019 : I received in the mail a XXXX XXXX XXXX XXXX. Once again, I never requested, authorized or in any other way wanted anything like this. The ADDRESS and PRIVACY ACT notices have NETSPEND corporation in them. Once again, { this makes THREE (! ) }, I cut up the card, sent back all materials, with a letter, detailing this is UNAUTHORIZED, UNSOLICITED and UNWANTED. I want this harrassing activity to stop and this firm to be censured.

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 2019-05-05
Company: Innovative Credit Solutions
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX was previously removed from my reports, only to be reinserted in 2018. Previous complaint on file with cfpb, yet neither company responded to complaint.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-28
Company: Eagle Home Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received the final closing disclosure with a huge variance in the escrow account. 
On XX/XX/XXXX the escrow account is {$1000.00} On XX/XX/XXXX the escrow account is {$3300.00} ( This is the final closing disclosure before the closing date ).

Due to the construction delay of the house I purchase, my closing date has been changed at least 3 times. Now when the house in almost done, with the fact that the XXXX company urges me to close as soon as possible while there is a huge difference in my monthly payment and escrow account, I do not feel comfortable to close this house ; especially when they threatened me that I have to pay for the penalties. 
I completely feel disrespected and deceived by XXXX the home builder, Eagle Home Mortgage, and XXXX mortgage closing company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I received a title loan from Title Max in XXXX, Tx. When applying for the loan the branch manager gave false information for my employment, she also never went over any of the paperwork with me. When COVID-19 happened I contacted the loan company to advise them that I would not be able to make my payment due to a cut in my hours. I was never told that the interest on the loan would still accrue. When I spoke with the district manager today he was not very helpful at all even after I explained the whole situation. I now lost my vehicle due to lack of compassion for the COVID-19 pandemic and how it has affected my family.

Company response to consumer: Closed with explanation