BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: Ditech Financial LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Ditech home loans was my mortgage company. My mortgage was sold/given/bought by another holder. I sent 3 payments by XXXX XXXX XXXX bill pay to Ditech after my account was closed with them. The amounts were XXXX each payment. One payment was forwarded to my new lender. The second was mailed to me. The third payment is being held by Ditech. They have acknowledged that I sent 3 payments and realized that they have not returned my final payment. This has been going on for 5 months. I have called and spoke with several persons regarding this matter and have been told every time " the check is in the mail '' and to wait a few days. Ditech sent two checks out to me which I never received and asked for my routing number so they can deposit it into my account. I gave them 2 weeks to do that and still I have not seen my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have disputed a chapter XXXX bankruptcy shown on all XXXX bureau reports XXXX times over the past XXXX years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past XXXX years. Thus my complaint is against XXXX, transunion and XXXX for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you

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 2019-04-05
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My brother XXXX called in to XXXX to discuss my account, he spoke with a XXXX whom did not properly authorize the account, provided my brother with my account balance, next payment due date and the apr of my credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: UMB FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
An HSA ( Health Savings Account ) was opened by my employer with UMB. Since it was open they have been charging a XXXX service fee every month to my account. I realized when it goes negative, they will expect me to pay back their fees. In order to close my account, they will take {$25.00} off the balance and send me the remainder. I never agreed to any of this because my employer signed me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My brother XXXX called in to make a minimum payment towards my XXXX XXXX account, when discussing the account with XXXX she wrongfully disclosed my entire account balance of {$1900.00} to my brother.

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 2021-02-11
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Kia Motor Finance presented our check for {$12000.00} on XX/XX/XXXX - full settlement of the lease pay-off amount. We still haven't received the title. I have repeatedly called, contacted them via their secure messaging system and still haven't seen the title. Or a bill of sale showing the amount paid and itemising the tax.

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 2019-04-05
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail dated XX/XX/19 from XXXX XXXX saying I owe XXXX $ to PayPal inc. I have never had an outstanding with PayPal inc and they confirmed this. Read online this company is trying to scam individuals and are reporting fake debts on their credit reports. I believe this is what is happening to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail dated XX/XX/19 from convergent outsourcing saying I owe XXXX $ to XXXX XXXX. I have never had an outstanding with XXXX XXXX and they confirmed this. Read online this company is trying to scam individuals and are reporting fake debts on their credit reports. I believe this is what is happening to me!

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 2019-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with fraud alerts or security freezes

Complaint:
hello, I was getting ready to ship into XXXX XXXX for the XXXX XXXX. I pay my auto loan through citizens one, I went to a bank branch to personally speak with someone to get a three month deferment for while i was away for XXXX XXXX, they agreed to help me with it, they asked for my orders which they received and told me it would be taken care of. I came home early for health reasons four weeks after the deferment should of already taken affect. then come to find out I have " delinquent charges '' for not paying and that the company had no notes or anything regarding my request. several Points were removed from my credit score and I would like to see them recovered considering I was physically unable to make my payments and the company didn't do what they promised to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
My line of credit is {$2000.00}. I withdrew {$1600.00} at the beginning, and have paid {$1900.00} to the company so far. I have not made a withdrawal since the initial {$1600.00} on XX/XX/20. They are stating that my balance is currently {$1300.00}. I have been making on time regular payments, even overpayments. My minimum payments fluctuate, with no explanation of how my payments are being applied. My last minimum payment went up from {$140.00} on XXXX XX/XX/20 to {$190.00} on XX/XX/20. I recently asked to close the account and be put on a payment plan. They denied me closing the account and said that I have to pay off the balance in full first. I explained that my employment has decreased ( full time to part time ) and that I can not keep up with the biweekly payments. They only offered to delay one payment into four parts, with me paying that IN ADDITION to the regularly scheduled future payments. They are offering no relief in payment and/or increasing amounts due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/2019, I received an alert from the credit bureaus that two collection accounts hit my reports. Upon investigation, I found that the debt was medical bills accrued over four years ago. However, during that time I was insured and had no knowledge of this debt up until now. I contacted the state of Maryland but due to the time lapse, they could not cover this debt and instead provided me with a document showing that I was covered during the time of service. I forwarded this information to the debt collection agency, Commonwealth Financial Systems, immediately after. I was told by a representative that it would be notated and to give it a few days for this to report to the bureaus for removal of these negative items. Weeks later, nothing has happened in my case and Im given no status updates from the collection agency. I was told today ( XX/XX/2019 ) that it could take up to another month before these items would be removed. I was made aware that this same agency had no control over this, as they are representing another collection agency making them the third party collector. When asked to provide information for the agency in which they represent for further investigation, I was declined by representative stating that they could not provide that information. I am a bit leary that this company has information on me, yet, I cant have any knowledge of who they are. Im continuously getting alerts that this third party collection agency is flagging these debts as collections, further damaging my credit, Im looking to have this reported immediately to the bureaus for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: MO
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:
Through Experian, it shows an account to be closed, that I am not making payments, and that I owe $ 6,000+ on the account. While that was true at one point, for nearly three months now, I have made on time payments, the account is open and in good standing, and I owe {$5000.00}. I provided Experian with the paperwork from the company which reported this, which shows this new information. Experian says they will keep my report the same, even after providing documents proving my new status.

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 2020-05-06
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BB & T sent me a letter that they were transferring my mortgage servicing to Sun Trust/Truist. The information did not appear on Sun Trust website and after contacting them I was told it went to a third company, which turned out to be incorrect. Eventually my mortgage was located and is indeed at Sun Trust. Issue is that BB & T took my regularly scheduled mortgage payment on XX/XX/XXXX and now Sun Trust has done the same on XX/XX/XXXX. Sun Trust has put in the request to refund the money to me but it will take 14 days to do so and requested I contact BB & T for a quicker response. BB & T is unable to assist as they no longer hold my mortgage. I am requesting Sun Trust refund my money immediately, cover all overdraft fees and expenses, and pay daily interest for each day they hold onto my funds without a refund. I have spent a significant amount of time trying to work with both companies over the phone with no results and am reaching out for assistance.

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 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a victim in the XXXX data breach a few years ago and also my information was compromised again in the recent XXXX  data breach. Fraudulent activity was not observed until I noticed that my email was hacked, personal information, employer, social security number, old passwords frequently used and address that I have reside at for years had also been compromised. I am currently in process of a data breach settlement from XXXX. I have also initiated a credit monitoring service through the credit bureaus and also obtain a security alert. A fraud application was also done a few months ago and a credit card that had fraudulent charges, interest charges and late fees was also reported to the lender ( XXXX XXXX ). XXXX has acknowledged all disputes from the the lender stated below and have deleted the account from XXXX XXXX, from my credit report permanently. To verify, XXXX can be contacted. See attached documents below. This matter is serious and is damaging my credit and is also inaccurate/ fraud. Someone used my information and banking information to access my information. Creating a duplicate card in order to make unauthorized charges.

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 2019-04-05
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today I requested that XXXX XXXX communicate in writing only via USPS mail only, they continued to email and text me. I asked them to stop texting me in writing in the attached yet they continued to do so after it was received. I have all of this very well documented. They have broken the law under the California Rosenthal Act And TCPA XXXX. My letter to them is attached. They wrote to me today at XXXX " starting on XX/XX/XXXX. If the account is past due for more than 30 days, the account may be sent to an outside collection agency. Once the account is sent to the collection agency, this will be reported to your credit and we will no longer be handling the account. '' This is a threat to my credit and is also a violation of the Rosenthal act RFDCPA. 

I have not filed any lawsuits, but I am also asking that they contact my authorized representative. XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX XXXX, XXXX I ordered cabinets at XXXX 's XXXX XXXX in XXXX, NJ. XXXX XXXX, the kitchen representative at the XXXX XXXX XXXX told me about a promotion that XXXX XXXX was offering for 18 months interest free financing. I applied for the financing and was approved. He then told me that the bill may say that the interest free period is only for 6 months but he would be able to obtain an extension. He then called XXXX at the XXXX XXXX XXXX XXXX at XXXX PM on XXXX XXXX, XXXX and was told that by the XXXX bill the extension would go from 6 months to 18 months. 
Apparently the extension was never processed properly and my interest free period expires today, XXXX XXXX, XXXX. I contacted customer service as well as the " Executive Customer Service '' team at XXXX XXXX several times over the past 6 months. They responded by saying " Our office can not authorize this. '' I will now be charged interest from XXXX XXXX, XXXX to the present. Unfortunately I can not afford to pay off the balance and this additional interest is an enormous financial hardship for me. Especially one month before XXXX. And to add insult to the situation my kitchen project is still not complete. 
Please do not trust XXXX XXXX for any financing or XXXX XXXX needs.

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 2019-09-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
To whom this may concern, I had paid off my remaining balance online of {$1800.00} on XX/XX/19. Fifth Third Bank failed to notify me regarding a balance {$5.00}, so for the past 5 months they have been reporting late payments to the 3 credit agencies ( XXXX, XXXX  and XXXX ). There was no way for me to know there was a {$5.00} balance, had I known I would have no problem paying them. As a matter of fact I have never failed to pay them, always on time and even more then the minimum payment because I wanted to finish paying off my car so I can purchase the house of my dreams. The only reason I knew about this issue was because I applied for a house loan recently and it shows in my credit report the late payments. So I immediately called Fifth Third Bank and paid off the remaining {$5.00}. In the meantime my home loan application has been denied due to the late payments that Fifth Third Bank failed to notifying me. Not a single call or letter. I believe this is very unjust because if they have the obligation to notify the credit agencies they should also notify me regarding any remaining balance. Again all I want is for Fifth Third Bank to remove the late payments they made against me. I have already file disputes under the 3 credit agencies, however nothing has been resolved. I called again directly with Fifth Third bank and inclusive spoke with their supervisor XXXX ( I  have her employee ID ) on XX/XX/19. She stated there is nothing to do, due to the fact that the account is close since XX/XX/2019 and that they are not responsible for notifying us regarding any unpaid balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Lending Club Corp
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company, XXXX XXXX, was calling me multiple times a day, never leaving a message or information on how to call back. 

I blocked their phone number multiple times as I was not aware of what the call was about, only to be called back from different numbers, " Unknown '' numbers, and blocked numbers. 

I received a call on XX/XX/XXXX at XXXX from a gentleman at XXXX from XXXX. He did not verify any of my information, only my name, which there are obviously many people in the world with the same name. 

He advised of the balance of a former Lending Club loan and asked if I would like to take care of the debt today. I was unaware of the debt as I lost track of some of these debts in my time of being ill. I advised him that I would be interested in a settlement offer. He would not give me a dollar amount of the settlement offer, rather continued to ask me what I would pay. 

I offered {$2000.00} to settle the loan as that is all the money I have left from my Stimulus Check. The representative laughed and told me that was unreasonable and then went on telling me how this was a cash loan, when in fact it was not, and that my offer was not reasonable enough for him to do his job and submit the offer. He never asked what my situation was to fall behind ( In this case, XXXX XXXX XXXX XXXX XXXX  and extended hospitalization ), rather try his best to cut me down as a person. 

He continues to berate and belittle me and my financial situation. I asked why he was talking to me this way and he told me he can talk to me this was because he was a debt collector! 

As the conversation ensued, he continued to belittle and berate me and then told me I needed to " Man Up! '' and pay my debts.

As a former debt collector, the tone, demeanor, and absolute disrespect this man portrayed was mind blowing. As a manager of a debt collection agency for over 5 years, this was the worst display of  professionalism I have ever witnessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/XXXX I disputed an account reported by XXXX XXXX XXXX on my file Experian maintains under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have since discovered that the item has been reinserted on my credit report and Experian failed to notify me at all of the re-insertion. I contacted Experian on XX/XX/XXXX to dispute this re-insertion without notification and they updated the results and re-aged the account and reported non-payment on the account, which I am no longer liable for. This account causing a significant decline in my credit and their actions are a serious violation of FRCA policies.

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 2019-08-08
Company: ID Analytics, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a letter from SageStream LLC stating that my application for a XXXX XXXX XXXX Credit Card was not approved because " consumer associated with too many phone changes '' and " Limited history for consumer at this phone ''. It seemed fishy because I've never applied for a XXXX XXXX card and why would my phone have anything to do with a credit decision? Not to mention, I've had my landline phone for about 12 years and my cell phone for nearly 9. In order to freeze them, they require me to mail them proof of my social security number, birth certificate, and drivers license, all ideal ways to steal my identity. In addition, they state that my credit score is XXXX out of XXXX, which is drastically lower than my actual credit score. I tried to call them multiple times, but the unprofessional voice prompts would never actually connect me to a real person. So, I gave up and chose to report them here.

Company response to consumer: Closed with explanation