BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On Sunday, XX/XX/XXXX, I dropped a cash payment in the Tower Loan drop box in the amount of {$260.00}. A couple days later we were called by XXXX stating we owed a payment. My husband informed them that I just made a payment Sunday, however, they claimed they never received it. My husband called me and informed me of the problem and I called the office and spoke with XXXX. She stated she was the first employee there Monday and stated she did not see my payment with the others. I asked if they could review cameras to see I had dropped it off but she said they did not have any. The temporary manager was at lunch and she said she would have him call me back once he returned. Once he called me back he stated they had no proof that I dropped off the payment- I made the suggestion to check neighboring business cameras to see if they have cameras outside their storefronts that could have shown my drop off, that the funds could have possibly been credited to the wrong account, or worse case- one of their employees are being deceitful and took the payment since it was cash. He explained he was going to look into it and give me a call back within an hour. The next day I still had not received a call so I called XXXX back. He stated his manager said he doesn't believe I made the payment and there is nothing they can do and they are not responsible for the lost payment. I offered to provide my ATM receipt proving I made a wd that evening prior to driving to their store, but they will not look further into the problem. Someone stole my money and they are not doing anything to investigate the situation. I intend to visit the XXXX Police Station tomorrow afternoon and file a police report. Not only am I furious that they " lost '' my payment, but they have the audacity to call me a liar and say they don't believe I made the payment. I physically placed the payment in their payment box located outside their store with my information on the envelope, I ensured the payment was fully inside before leaving so there is no way that anyone other than those with access to the loan company could have taken it. I contacted their headquarters Friday but have yet to hear a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Early this year I disputed an account reported by Debt Recovery Solutions account # XXXX through XXXX and it was deleted because the creditor failed to provide me with proof of such debt. Now on XXXX/XXXX/2015 I just discovered this same accountis being reported through XXXX only. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XXXX/XXXX/XXXX, I submitted a lengthy online complaint to CFPB regarding the recent lawsuit pending against Navient. I was unable to log in to modify to my complaint. In my complaint I explained that Navient was unwilling to help me lower my rate and monthly payment amount. I failed to mention my Navient student loan is over 7 % and possibly closer to 12 %. Navient had no suggestions to assist in dissolving this loan that I never used for my education. This {$6900.00} loan was underwritten by XXXX XXXX in XXXX. Navient eventually took it over. As of XXXX - present date, I have submitted many written complaints to CFPB, written and verbal to XXXX XXXX XXXX, Navient Office of the Advocate, DOE, and XXXX referencing XXXX XXXX University online and Navient Student Loan with no result. I demanded more information on this student loan origination showing deadlines to withdraw from the online university. The only document Navient had on file was the promissory note that I signed. Of course I signed the promissory note, that is the only way the loan would get funded. I immediately withdrew from XXXX and Navient 's claim is my withdrawal date was past the deadline and my loan would be in repayment status. 

I have all documents to all parties involved to support my claims of trying to find a solution to dissolve this loan with Navient or verify if it was a legitimate. Initially I contacted Navient customer service to address this loan issue. Once I understood their customer service representatives were not helpful, I had to type a letter to Navient and send it certified to ensure my complaints would no longer be ingnored. XXXX XXXX responded to my complaint. XXXX XXXX XXXX - XXXX suggested I contact XXXX to obtain transcripts to release me from the loan. If there were no transcripts, Navient would use this as proof I never attended. During my two - three day research I found out XXXX XXXX Online was involved in illegal activity, changed their name to XXXX XXXX University and eventually closed permanently in XXXX. 

I contacted Navient several more times throughout XXXX of XXXX, asking for help and if they could find any records also. Navient was no help at all and no return calls to address my concerns. I was worried if I could make the payments and how my credit would be impacted by the bad debt, Navient never thinks about the struggling students who never found a full time job to mirror their education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
GreenTree Servicing is the service provider on XXXX my mortgages and has been since about 2013. Their online system is not providing me with current statements. The last statement I have in the online account is from 2013. I have contacted GreenTree multiple times and they have not responded in writing. They have only left one voicemail message for me with no phone number from a blocked number. In that message they stated that the reason they have n't sent me a statement is because they do n't have my current address. That makes no sense and even if that were the case that 's no excuse for my online account not to have any updated statements. 
They do have my current address anyway as I 've received other things from GreenTree. 
I am trying to close on a mortgage for a new primary home and one of the checklist items in order to close is to provide a greentree statement. I am now being denied a mortgage because the best I 've been able to do is do a " print screen '' of my current balance. I am completely current, never missed a payment, have a credit score over XXXX but I ca n't get a mortgage unless Green Tree provides a statement. It seems illegal to withhold a statement. Is that legal? Why would they refuse to produce a statement? I pay on time every month against no statement!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My credit shows a charge off for a XXXX mortgage back in XX/XX/XXXX which was service for XXXX XXXX XXXX by Greentree financial. Recently, Greentree sold out to Ditech. Ditech is now reporting me as late on a charged off from XX/XX/XXXX. I have a waiver and pay {$350.00} a month to an attorney. If I was hit for this being a charge off in XX/XX/XXXX and my credit reflects a closed account, how can I get Ditech to stop reporting this on my credit with today 's date, reflecting late payments? Credit wise, I was penalized for this in XX/XX/XXXX and years later, and am damaged with it reflecting as a charge off. I was separated from my husband who would not leave the home, and the home was in my name. I am accountabIe for the action. While in pre-foreclosure proceedings, we sold the house XXXX different times, but the servicing agency would not forward the sale info to XXXX XXXX XXXX and declined the proposed sale and settlement value. They then sold the house, and reported it as charged off on my credit. I will attach the credit report that is recently destroying my otherwise perfect credit now and for the last XXXX years while on my own, and the waiver that was worked outside this issue between Greentree and my attorney. Please help me to get this either reflected as charged off and done, or as an open account with a perfect payment history since the waiver agreement in XX/XX/XXXX. Thanks so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a complaint XXXX MONTHS AGO any Green Tree has not completely responded to my request!!! My MIP has not been removed yet! I need this to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was sent there for a medical issue from XXXX XXXX XXXX in XXXX XXXX NC. It is a free medical clinic and they sent me to XXXX XXXX to have a XXXX done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: DISCOVER BANK
State: MD
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 continued to run into delay and snare statics to remove inaccurate and false information on my credit report from the CRA and furnishers such as personal address despite provide prove 15 U.S. Code 1681s2 A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 non-monetary relief
Consumer complaint received 2016-08-24
Company: State Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
These people call using blocked numbers and play like they have established an agreement with their victims by having their robot talk to voicemail. 
Then when I get their address and send them the information notifying them that their " alleged client REFUSED to follow procedure and submit a request to XXXX in Colorado, they wait 30 days and then start in with their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are a HUD approved housing counseling agency and we submitted a loan modification package to Di-Tech Financial LLC on behalf of the client on XXXX XXXX, we were consistently following up with the lender submitting documents that were needed to complete the file. DiTech place a foreclosure sale on XXXX XXXX. On XXXX XXXX I spoke with the SPOC on this file and she confirmed that the last documents were received and there was no sale date. The homeowner then sent us a email on XXXX XXXX stating that her home was sold on XXXX XXXX, I then called back into Ditech spoke with the SPOC and she reconfirmed again yes it was a hold on the sale date, however Ditech went through with the sale and hung up rudely in my face I then called back in to make sure she just did not hang up in my face on purpose and the same SPOC said yes the home was sold and hung up again in my face. I truly understand there is never a guarantee that a modification will be done to help a homeowner, but the homeowner SPOC confirmed not once but twice that there was not a sale on this property and she was very very very rude in her communication. No homeowner deserves that treatment rather they are current or behind. We need this foreclosure to be rescinded.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: Revenue Assistance Corporation dba Revenue Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was contacted on my personal cell phone by a XXXX XXXX from Revenue Group. I had to ask multiple times who was contacting me. She rudely advised and then stated tried to ask about someone else - XXXX - who may have had the same address as me. I advised that I do not know the person and then she continued to ask for my address. She then rudely said " ok, bye, bye, bye and hung up '' after what she needed my information for. I would like to seek legal council. I am sure my cell phone carrier can pull a record of this call. Very rude and the debt does not belong to me additionally, the individual that they are inquiring about information has also been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: RSI Enterprises, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Oxford Law, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A representative name XXXX contacted me at my employer he was rude and very disrespectful. I asked him not to call my work anymore. He continued to call my employer and speak to co workers about me, was rude and disrespectful to them to the point that they had to hang up on him. Then he started contacting my coworkers after hours. They and I have asked him not to call but he continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: State Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from State Collection Service informing me they are handling the collection of a debt. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between State Collection Service and me which make them entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as providing me with a certified copy of an original contract with my signature, specifically naming State Collection Service as a company entitled to enforce a commercial claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Ditech Financial LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My escrow account with Ditech was cancelled effective XX/XX/2016. My XX/XX/XXXX billing statement and the automatic payment was for the correct amount. However, the XX/XX/XXXX billing statement and automatic payment included escrow even though I contacted Ditech XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail in getting it corrected. That caused my checking account to be overdrawn and I had to transfer money from my savings account to cover another bill. Now, the XX/XX/XXXX billing statement has escrow included, but the automatic payment has been cancelled. I pray that Ditech does not still make the automatic payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2015-11-02
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls originate from the Revenue Group, calling number is XXXX XXXX XXXX. Calls received XXXX/XXXX/2015, XXXX ; XXXX/XXXX/2015, XXXX. Both times the caller indicated an unspecified debt is owed and was told we do not discuss financial matters on the phone. Caller was further informed to submit the nature and specifics of the alleged debt in writing to us. To date, no such correspondence has been received. Numerous other calls have been received from this group as shown on our phone 's caller id, but went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay XXXX a week toward my mortgage. Ditech is not applying my payments correctly to my account and has assessed late payments to my account when I am paid ahead.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation