BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: OPORTUN FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out the loan in XXXX of 2018. I mailed my first payment on XX/XX/2018 which would have paid my first payment on time. I called after the payment was debited from my bank account but was not applied to my loan. I spoke to several employees each time providing conflicting information regarding my payment. I have proof that I paid I have the cancelled check copy and bank statement. I was told to email the customer support the documents. All email addresses provided were not valid and mail was always returned. I can provide a screen shot of my email account proving this. I continued to call and pursue resolution. While this was happening they were reporting my account as delinquent and brought my credit score down XXXX points. Finally in XXXX I had enough of calling and talking to different people not getting any explanations. I went into a store location in person and provided the proof that I paid. I was told by a customer service representative working there that Oportun applied my payment to another loan that was not mine.They were penalizing me for non payment when I did pay they just did not apply my payment to my loan. My account with Oportun is being reported as delinquent twice a month every month due to an error on their part. As soon as the first payment was applied to my account, I made another payment. I do not feel it is right that they took four months to resolve my First payment and are penalizing me for taking 4 months to figure out where my payment went. I was unable to pay during the dispute as my payments were not being applied to my account. I have a 98 % on time payment rate on my credit score. I have other loans that are always paid on time. I do not feel I should be penalized because of Oportun 's error. I have worked hard the past couple of years to bring my credit score up. This company not only trashed my credit but expects me to pay interest on the months that they could not apply my payments to my loan. I was on top of this right from the start. I began calling in XXXX and continued to call every two weeks for the entire four months it took to resolve this. I have made countless calls spoken to several people and all they can say is sorry we understand please pay off the loan. I believe I should not have to suffer for the mistake on their part. This company is horrible. If you call to speak to a specific person they are unable to connect you. I was in contact with Supervisor of Collections XXXX XXXX several times but only when he personally called me. I am never able to be connected to him and every time I call I have to take the time to explain the entire situation over and over again. I am a responsible person trying to build credit and this company and it's inability to operate properly has ruined all the work I have done. I hope no one else falls victim to this awful company like I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card through XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. My husband and I used a debt consolidation loan from CitiFinancial to pay it off in XX/XX/XXXX. Now years later my bank account are being garnished and XXXX XXXX states they never received payment. The debt was sold to a debt collector about 2 years after the consolidation loan was taken out to pay it off. All other debts that were paid using the loan are paid, this is the only one that was not. We have paperwork from our loan that says that money was sent to XXXX XXXX XXXX. If it was not sent as the loan says then Citifinancial breached the contract. When we called to get copies of the paperwork they were unable to provide copies of the checks or account numbers associated, though we brought in our statements and they wrote the checks from those. They stated that since it was over 7 years ago they no longer have check copies and can not provide me with any proof that they were ever sent. We were never in possession of the checks and CitiFinancial dispersed all funds themselves. My bank account, as well as my children 's are wiped clean at least once a year for the past 7-8 years for a debt that we took all steps to pay in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2019 I attempted to access my checking account online. It says 'there is no account activity for the past 120 days ' even though there had been multiple transactions just that week. I am able to login and view all transactions on my other accounts, but simply the checking account has had all information purged. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care, and spoke to them for 30 minutes. We did basic troubleshooting, and they created a case for me. They told me to expect a call back within 24 hours. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 11 minutes to which they provided me more information on the previous day 's call, and informed me that the problem had been fixed. It had not been fixed. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 57 minutes to which they told me that they would forward the information to the executive relations team after I begged that they allow me access to my bank transactions. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 24 minutes to which they informed me that the executive team should be contacting me. 
XX/XX/XXXX at XXXX XXXX, Ally 's executive team reached out via email. They stated that an issue had been identified, and that a fix had been applied on XX/XX/2019, and that I now had access to my transactions. Regardless of what was applied or identified, I still do not have access to my transactions. I am relegated to calling in daily to have somebody read me my financial transactions.

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 2018-02-01
Company: WELLS FARGO & COMPANY
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:
Credit card account does not belong to me from Wells Fargo, I want to remove this account from my credit report. It is showing up on my XXXX and XXXX report

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 2017-11-30
Company: Selene Finance LP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was denied a loan modification the end of XXXX due to my debt being too high. I send emails onXX/XX/XXXXwith legal documents proving the inaccuracies that Selene had  calculated. During our meeting with both AttorneysXX/XX/XXXX Selene agreed to do a new calculation and push out the sale date. I sent updated pay stubs showing I make more money now and the debt they have is in accurate. As of today they have ignored me. Also no where on the document stated a deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: RevMD Partners, LLC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Revmd I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CCS Financial Services, Inc.
State: TX
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:
Credit Collection Services of XXXX MA, contacted me via phone in XXXX stating that I owed {$290.00} to my former auto insurance company, XXXX XXXX XXXX, I disputed this amount over the phone. I received one letter in the mail dated XX/XX/2020. My account was put into collections on XX/XX/XXXX and negatively effected my credit by 40 points, this all during the COVID-19 pandemic. I have been unable to work since the first week in XXXX due to the COVID-19 crisis. I want this account to be removed from collections on my credit report and Credit Collection Services the chance to allow me to settle this dispute in a fair manner during this global pandemic.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX/XXXX, XXXX, XXXX  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 2019-10-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a ticket with XXXX on XX/XX/2019 and cancelled it on XX/XX/2019. 
The cancellation was over the phone and was successfully competed. 
To be on safe side I also disputed the amount from Citibank card. 
The amount {$890.00} first was credited from my account on XX/XX/XXXX and was charged back to my account on XX/XX/XXXX. 
The document on my account was very clear that merchant has fully hold itself liable for total credit and explained that credit is coming in two amount for total of {$890.00}. 
First amount was {$60.00} which was credited and second amount {$830.00} that was not and still is not credited to my account. 
Called Citibank many many times and talked to their billing disputes with no results. 
Called merchant ( XXXX  ) and they said the credit amount of XXXX has been sent to Citibank. 
Called again and this time talked to one of the disputes specialists named XXXX from Kentucky and she was able to contact the supervisor to track the money and she said that has a very good news for me, my money has been received from merchant and is in hold with Citibank. In two business days I will see the credit on my account and that was eight days ago. 
My complaint is with Citibank which has kept my credit money on hold for no apparent reason.

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 2018-03-16
Company: WELLS FARGO & COMPANY
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX XX/XX/XXXX I recieved a letter from WellsFargo Auto Finance acknowledging the auto loan I had with them has been Settle in Full. They have stated in the letter they are submitting the request to the Credit reporting agencies to have report updated in my credit report file to reflect a Charge off to Settled in full account. I was also instructed to present this letter to any prospective creditor questioning the status of this account. 
WellsFargo hasn't kept there word and still reporting this Auto Loan as a Charge Off. Also I called the number they have on the letter numerous times and it no longer a working number. I contacted WellsFargo thru mail at the address they have on my credit report and my letter got Return to Sender. WellsFargo is reporting false information of me with there wrong address. 

Also for the same Auto Loan they transfer or sold to another WellsFargo Bank within there company, and having a different account numbers. I contacted WellsFargo back in XXXX XX/XX/XXXX is to why I see two reporting on my credit report for the same Auto loan with two different account numbers with two different amount finance. One with {$26000.00} and {$26000.00} the actual amount finance is {$26000.00} on my contract. I have yet to see any changes of status to this account. I wrote to WellsFargo again in XXXX XX/XX/XXXX why do I see a balance of {$2700.00} showing I owe them. Still havent heard anything from WellsFargo after numerous time of disputing this account. WellsFargo would not take the time to investigate there error reporting even provide them with copies of the letter and contract but keep updating. All credit bureaus forward all my dispute to them but would not take the adacity to respond to there error reporting. 
Now Im filing a complaint with CFPB due to false reporting to credit bureau. I will be ready to provide all documentation of my communication with WellsFargo. Thank you so much for taking the time to view my issues.

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 2019-10-07
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with First Credit Services or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called numerous times about an error on my XXXX. The itemized page shows disbursements from my escrow account to pay my property taxes ( as it should ). The summary box on the first page states {$0.00} paid in property taxes, which is problematic. I've been reassured by various personal that my taxes have indeed been paid, but I need to complete my taxes and don't want to do so with out a corrected form. 
Call 1 : Nice person, said the placed a ticket to get it fixed and I would receive a new one. Two weeks went by with no corrected form.

Call 2 : Said they couldn't find any ticket being placed so they placed a new one and it would be emailed to me within an hour of that phone call occurring. 
Call 3 : The next day, no email so I call again. Their systems were down but the rep told me my mortgage had probably been transferred and I'm probably not even their customer. This was incredibly insulting. 1. Freedom Mortgage happily has accepted every single payment I've made to them so I sincerely hope that I am in fact their customer. 2. I'm not a XXXX, in fact I used to audit escrow forms so I believe that I'm slightly more educated on the mortgage servicing process than their average customer. I was incredulous that without operational systems the rep would assume I'm not even their customer. She never even let me finish explaining the full problem. 
Call 4 : Trying again with a different rep who did apologize about the last person 's attitude, placed a ticket regarding the XXXX and I did get one emailed to me within a couple of days, within the promised timeline of that phone call. Except, IT WAS THE EXACT SAME FORM AND NOT A CORRECTED. XXXX! 
Call 5 : Called back and said it's still wrong, they put in an escalation to the manager and  suggested I proceed filing my taxes using the disbursement sum from the itemized page and that I should feel assured I would get a corrected one eventually. They placed a follow up to a manager to call me back as well. 
Manager Voicemail : I was in a meeting so I received a voicemail telling me to call back XXXX.

Call 6 : I call back and ask for XXXX but am never transferred. This person puts in ANOTHER TICKET abut the XXXX and says I'll get a corrected one because they don't see any there open tickets. That was yesterday XX/XX/2018. 
I'm at y wits end, there's clearly a systemic problem with that box on Freedom 's XXXX that's not being addressed. It's likely I'm not the only impacted customer as I highly doubt they are printing these individually. I want a corrected XXXX! It shouldn't take 7 calls from one customer to correct a bank error.

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 2019-05-21
Company: SUNTRUST BANKS, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is not a duplicate complaint. The last complaint was basically ignored. I have attached records that Suntrust does not seem to have. 

In XXXX I was forced to refinance my second mortgage with Suntrust Mortgage. 

This was to refinance a XXXX Massachusetts High Cost Home Loan with SunTrust Mortgage. 

Suntrust never properly rectified the original high cost home loan. They claim they had refunded me the interest of the previous loan, but this money was used for closing costs of the new loan. All of the funds of the previous loan went into the closing of the new loan. They also did not properly notify me that they were in violation of the statue. 

This created a new Massachusetts High Cost Home loan since I paid the closing cost. Suntrust has denied this, but I was able to obtain the check that I was then forced to sign over to attorney for closing costs. This is fraud. 

Since this was a Massachusetts High Cost Home Loan, I had an extended right to rescind. 

I exercised this absolute right to rescind which SunTrust ignored. They did not dispute or in any way argue against this recession. I have attached the rescission letter, and email I had sent. I also attached the USPS form that shows SunTrust received this rescission. 

Since this loan was rescinded SunTrust does not have the right to report this a mortgage account. 

I had previously been offered {$15000.00} to settle this loan. In a previous complaint SunTrust had said that they had not record of this. I still have these records and have also attached them. 

In short Suntrust does not have the right to report the mortgage since it was properly rescinded and they never disputed this rescission. 

Please see attached : 1. The right to rescind letter and form 2. The first page of the email that I sent to SunTrust which was a copy for the rescission mentioned in # 1 3. Copy of the Bank Check provided to the Real Estate Attorney with the instructions to immediately sign over to attorney. Not sure if Suntrust or Attorney made this note. 
4. The letter from XXXX XXXX on behalf of Suntrust offering {$15000.00} to settle case.

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 2020-07-31
Company: Meade Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, Back in XXXX, I went to get a XXXX done on my teeth by XXXX XXXX XXXX. I was double covered with insurances at the time. XXXX   XXXX XXXX charged OVER the legal agreement with XXXX of XXXX ( XXXX ). They also charged for teeth j never received work on. They billed me for over {$6000.00} and said the insurance covered a little over {$3000.00}. After speaking to XXXX, they were never allowed to charge that much, nor would my out of pocket be that high, especially being double covered. Please check XXXX XXXX XXXX XXXX Utah reviews. They are continuously doing this! 

A year later ( XXXX ), they gave my debt to XXXX XXXX, who have been horrible. My balance started at {$2100.00} and is now {$5700.00}. I have let them know, that this is fraud and Im taking XXXX XXXX XXXX to court. I have asked MULTIPLE times for documents, which they refuse to provide. Please, also check XXXX XXXX XXXX XXXX UT reviews.

Company response to consumer: Closed with non-monetary relief