BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-08
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The note amount $ XXXX with $ XXXX/mo payments via " Lender '' - XXXX XXXX XXXX XXXX , for the property Note transferred to XXXX in XX/XX/XXXX mature in XX/XX/XXXX, Transferred to GreenTree /  Ditech Financial LLC . in XX/XX/XXXX. Since, the following issues have evolved : - Escrow amount skewed ( i.e. ( XX/XX/XXXX ) = {$530.00} ; ( XX/XX/XXXX ) = {$880.00} ; ( XX/XX/XXXX ) = {$810.00} ), I questioned the high escrow # in an email on Ditech Web, ( see attached ) and requested the tax and insurance bills to verify the expense charges to escrow. In stead, Ditech sent me a payment ledger for Tax and Insurance for my property ; which, I expect would balance out, coming from their ledger. But, where are the actual bills? However, there was a drop in the escrow amount immediately following my email. ( see attached ) - Escrow charge variance brought account instability. 
- Damaged credit report. Subsequently, unable to refi the house. 
- Ditech Mod-offer, in the short run, will fail due to the Escrow shortage build-up. 
- I have paid 14 year on interest, why am I still charged more on I than P.?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen began foreclosure before proper notification to the homeowner totally iillegal

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 2018-08-29
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
convergent is attempting to collect on the debt that is not valid. They claim to be collecting on behalf of XXXX which I was never in default still have my account active and current. I did request validation from XXXX the original creditor who stated there are NO past due account or collections in my name however convergent is threatening to garnish wages and to sue me for this erroneous account please help me stop this scam

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 2018-11-08
Company: One Technologies, LP
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2018 - we discovered a company has been charging us for monthly credit reports. 

Neither my wife nor I can ever recall signing up for a monthly credit report service. Yet we recently discovered that a company called XXXX and/or One Technologies, LLC of XXXX, Texas has been charging us a monthly fee of {$29.00} since the beginning of 2018 for it. However, a customer service agent we contacted verified that we have not been receiving them by mail or accessing them online. Even so, the company is refusing to refund our money which now amounts to {$290.00}. 

I believe XXXX/One Technologies is practicing " predatory '' sales practices and enrolling people, like us, unwittingly in some kind of a monthly credit report subscription plan. But it's a scam. XXXX and I wouldn't know what to do with a monthly credit report even if we had one. Please help us recover our money and stop them from doing this to other people. 

XX/XX/2018 - XXXX replied to my request for a full refund. 

REFUND STATUS XXXX, thank you for contacting XXXX Customer Care. After careful review of your account, the following refund requests have been processed : TRANSACTION DATE BILLED AMOUNT REFUND STATUS XX/XX/2018 {$29.00} Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved The refund decision is based in part on how long the account has been active and the services provided. Important refund status information : APPROVED : The refund should post to your credit card or bank account within 3-5 business days. 
NOT APPROVED : The refund was not approved because you requested the refund after your communicated billing date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: F&M Capital LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep getting phone calls from someone saying his name is XXXX XXXX using a very abusive and brash tone saying I have to call him back so he can notified the creditor of my " willing participation '' before a certain time or legal papers will be filed. He claims mail has been sent and returned to him as undelivered, however I have had the same address for almost 5 years and he was able to find a newer cell phone number for me. He notes the phone conversation/phone call has been noted and recorded. Leaves a phone number of XXXX with no other information. I do not know whom this person is, where he is calling from, who he claims he represents, I don't know if it is a legitimate debt, old debt pass the time of collections, if it is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: NY
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:
The accounts listed on FTC report are not my accounts

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 2017-11-06
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan balance grows each time I log into the website and check the balance. I do n't understand why the loan balance grows if the interest due is paid with each monthly payment. If the loan balance is growing then my student loan is a negative amortization loan which does n't make sense as these are fixed rate loans and I have a set 10 year term. In addition, each month since I entered repayment I have paid extra toward the principal. I always select the option " I want to make my next scheduled payment ''. I never elect for the overpayment to advance my due date since I always want the overpayments to go directly to my principal balance. Navient always skips my payments on the loans that I overpay. For example, if I have 4 loans and overpay 1 I only receive payment notices on the remaining 3 loans. Navient is not following my direction and instead isapplying my overpayments so it advances my due dates. I would like the following to happen if possible : Can my loan balances be audited to find out why my loan balances keep growing and to find out why Navient is applying my overpayments to my future payments rather than my principal balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bought an item on WayFair with " Wayfair '' branded credit card less than 45 days ago.

After my purchase I was advised by Wayfair that the bank was closing and that Wayfair was no longer doing business with them. I was waiting on further communication from Wayfair on where I would be sending payments to. This communication caused confusion for me. 


Then I received my first statement with a late fee. Called to question and was advised that they had sent a welcome pack and other statements. I never received any of these. Further, I was given no communication electronic or otherwise about my account with Commenity until today when I received my first statement with late fees. 

They refused to waive the erroneous late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX  XXXX had charged the account off without considering the violations that has taken place by the 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 2021-05-08
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a complaint on XXXX XXXX, XXXX XXXX, and XXXX XXXX and the NFCU refused to issue a provisional credit to my account when I filed a fraud claim against 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 2019-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed it because I filed disputes for fraudulent transactions that I didnt make and they said it violated terms and conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Experian Information Solutions Inc.
State: FM
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:
To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX, XXXX and Experian by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

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 2020-06-30
Company: CITIBANK, N.A.
State: CA
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 just received notice that Citi Costco card decreased my credit limit, reason being that my other balances on cards are to high and also indicated I had a late in 12 months. This is not accurate, I have not a a late with any cards in the last 12 months, I always pay my bills and have been working on paying down my credit cards. I am not a liability as I always have made payments to my accounts and even larger lumps sums at times. Times have been harder and therefore credit cards have been used, but I should not be penalized for that as I continue to always make payments. I request my credit limit be increased back to the original limit amount. Decreasing my credit limit is only going to hurt me further and this is contradicting as Citibank/Costco is decreasing my available credit to my balance which will again make my debit ratio percentage high. Please reconsider reversing this decision as I have been a loyal Citibank customer and this is not right.

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 2018-11-08
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a XXXX personal credit card. XXXX and XXXX combined recently but I signed up for a XXXX card for a XXXX promo offer for XXXX points. The XXXX did not post to my account. I know the merger was to take place after XX/XX/XXXX but I applied and was approved for this card prior to the XX/XX/XXXX deadline. Now american express is declining giving me the offer because I had a XXXX card before and got a bonus with them. I feel as though I met the requirements for the card having got it before the XX/XX/XXXX deadline. Please help me get my XXXX XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is grossly negligent regarding a financial matter. At issue is Wells Fargo refusing to acknowledge or communicate on a property while trying to avoid foreclosure. Wells Fargo is trying to say that they require a bankruptcy authorization form to communicate however Wells Fargo being a lien holder to the bankruptcy and having access to XXXX very well knows the bankruptcy was discharged 2 months ago and therefore no bankruptcy authorization form is required since there is NO active bankruptcy. This is gross negligence on part of Wells Fargo which has had a string of issues lately.

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 2020-11-13
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: Investigation took more than 30 days

Complaint:
I reached out to XXXX on 2 different occasions about why I didnt receive my dispute results, in the time permitted by law. And was told they were going to send them out in 7 business days. I filed with them on XX/XX/XXXX and here we are XX/XX/XXXX and still no dispute or negative incorrect items removed from my credit 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 explanation
Consumer complaint received 2020-11-13
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I reached out to XXXX  on 2 different occasions about why I didnt receive my dispute results, in the time permitted by law. And was told they were going to send them out in 7 business days. I filed with them on XX/XX/XXXX and here we are XX/XX/XXXX and still no dispute or negative incorrect items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE ALREADY NOTIFIED DIVERSIFIED CONSULTANTS IN THE PAST TO CEASE AND DESIST ALL COLLECTION EFFORTS. THEY ARE TRYING TO COLLECT OVER A DEBT THAT I HAVE NO KNOWLEDGE OF AND ARE USING UNFAIR PRACTICES TO DO SO. I HAVE NO OBLIGATION TO THE DEBT AND DO NOT HAVE AN AGREEMENT WITH THEM OVER THE FRAUDULENT DEBT. I HAVE ALREADY SENT XXXX A NOTICE ATTACHED WITH A POLICE REPORT, AND HAVE ALREADY FILED A REPORT WITH THE FTC CONCERNING THIS MATTER IF EVERYTHING FAILS I WILL HAVE TO MOVE FURTHER WITH LITIGATION PROCEDURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I visited my doctor for a routine preventive care checkup. My insurance company, XXXX XXXX ( XXXX ), paid the covered claims for this visit on XX/XX/XXXX. Some charges were beyond XXXX coverage and I paid those in full by check. 

XXXX XXXX, my doctors medical group, began sending me a bill for {$230.00} starting XX/XX/XXXX for a preventive care charge XXXX paid 5 days later on XX/XX/XXXX. I received the bill each month and I returned it along with the Explanation of Benefits from XXXX showing that XXXX had already paid the {$230.00}. 

I called XXXX In XX/XX/XXXX to tell them what was happening. They sent a notice to XXXX XXXX stating they had paid the claim on XX/XX/XXXX. 

The bill kept coming. 

I called XXXX again in XX/XX/XXXX, and they sent a second notice to XXXX XXXX stating they had paid the claim. 

The bill kept coming. 

On XX/XX/XXXX I received a Request for Payment from Mountain Land Collections for this same bill, now at {$290.00}. 

On XX/XX/XXXX I sent a letter and copies of XXXX Proof of Payment to Mountain Land Collections, demonstrating that this bill had already been paid on XX/XX/XXXX. 

Now, Mountain Land Collections attorney, XXXX XXXX of XXXX XXXX, Utah, has called me several times since then. I sent them the same letter and copies of XXXX Proof of Payment. 

On XX/XX/XXXX, I received a Request for Payment from XXXX XXXX in behalf of Mountain Land Collections for this same bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I had purchased two controllers from XXXX on XX/XX/2020. The controllers were back ordered from XXXX and shipped XX/XX/2020. I never received the items and the tracking for both items says they were stuck in California. I had emailed and spoke with XXXX since XX/XX/2020, to this date I have not received the controllers. They attempted to send one replacement ( recall I ordered two ) in late XXXX, but the item never was received by me. I have checked with neighbors and no one has received it. I asked XXXX to refund me and they told me they could not because it was past 30 days. The problem is I could not cancel because the order was to be shipped on XX/XX/2020. I contacted XXXX around late XXXX and I was told by XXXX, that they would handle this matter urgently ; they did not. The slower they worked, the longer they dragged my case and made me miss my refund time ( I had decided to give them the benefit of the doubt ). What makes my case unique is the fact, the items are showing on the given tracking numbers to be stuck in California and they refuse to refund me. So it's now XX/XX/2020, and I had sent another escalation ticket to XXXX today. My problem is with Citicard who had proof that the merchant did not deliver the items and refuse to credit me. They gave the reason that the " charge was made prior to your cancellation ''. All evidence of non-receipt communications, including emails, was given to Citi, and evidence appeared to be ignored. I would like my card refunded and will provide evidence to you if needed.

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 2017-11-06
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first sent a certified letter to XXXX on XX/XX/XXXX and I received no response. The second letter was sent on XX/XX/XXXX which instructed me to contact Transworld because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted Transworld in XX/XX/XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation