BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I purchased six ( 6 ) IRA CDs from XXXX XXXX XXXX, in XXXX, MI between XXXX and XXXX. XXXX XXXX XXXX was  sold in XXXX. According to what I have been told, Bank of America was the " Successor ''. I contacted Bank of America but they could not find any records of these IRA CDs. I also tried to find out any information by contacting the FDIC and they recommended that I contract the Office of the Comptroller of the Currency. I called them and filed a complaint with them. So far I have not been able to resolve this is and find out where I can cash in these CDs.

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 2020-01-10
Company: Checkr, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Stuff on there multiple time and should of only went back 7 years and stuff is coming up from 13 years ago that's keeping me from the job

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have information from Equifax on my report that is negative. It says I owed money to XXXX XXXX XXXX. I thought this had been settled. This information is damaging to my score. I have paid all my bills on time for XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Diversified Adjustment Service, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They will not stop calling even after I ask them every time they call. I do not want to talk to them. They are going by Diversified Services. They get aggressive and tell me that they are not going to stop. I have to hang up on them as they just keep hounding me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 I sent out my payment and I saw that the check was not cased. I call Wells Fargo and they said that they received the payment. The next month I received a payment that was doubled. I paid the amount. On XX/XX/22 I received late charges that I shouldn't have not been on the statement, since I called and they said that they got the payment. Please check this out and let me know if someone is making mistakes there. 
Thanks 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 monetary relief
Consumer complaint received 2017-05-22
Company: Premier Portfolio Group
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I  have been receiving calls from Premiere Portfolio  for the past month. This company has contacted me from various numbers. Today I received a message from a  XXXX   XXXX  stating that he was a case supervisor and to call him at my convenience. I do n't even remember receiving any correspondence in the mail from this company. I have even checked my credit report to see if the company was listed on my credit report, but it is not. The number that was left on the voice message was  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After several attempts of trying to legally communicate and validate a debt that Ability Recovery Services is trying to collect they are negligent and less than professional in responding to the issue. 

Ability Recover Services has reported to my credit report without validating a debt they purchased. It has come to the point that it is just harassing them avoiding the issue then dealing with the matter. 

They are using a false instrument 'contract ' which does n't contain my signature. This contract also is a contract for a period of " 2 '' months. There report to the credit bureau 's state the XXXX delinquency as of XXXX/2014. 

1. I have provided proof of payment for months including the month XXXX/2014 they claim late as report to the credit bureaus. 
2. I have fully satisfied this contracts " 2 '' months agreement and vacated premises before XXXX/XXXX/2014 with proof of payments3. Within the contract " Customer agrees to all terms listed below '' must give 10 day notice in writing before vacating ... Please provide a copy of the letter I submitted. 
4. Provide me a real document containing my signature " XXXX XXXX ' not someone else 's signature. 

I will advise you at Ability Recovery Service to run your business in a professional manner, you on going XXXX word replies and being stupid are getting rather lame to me. Please provide FACT proof to your so called collection or get it off my credit report. 

I have submitted documents with this complaint ; 1. The false instrument 'contract ' you submitted to me that does not contain my signature. 
2. Receipts of payments for the debt you 've reported to the credit bureau 's ( receipt XXXX XXXX rent ) Paid3. Copy of Credit report for the month of delinquency XXXX/2014I have validated your claims " invalid '' and have satisfied this money you so called seek with the information above. I will not submit anything with my real signature to you to avoid anymore fraudulent activity. 

My signature proof will be submitted if need be to the Attorney General with such item 's as:1. car registrations2. Checking account checks3. Deed to home purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
GreenTree/Ditech Loan # XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXThere are numerous issues with this short sale file:1 ) Loss mitigator, XXXX XXXX XXXX claims that Green Tree and Ditech are XXXX different companies -- - they are not, they just changed their name - this is extremely deceptive and this is what they are telling people that call in. XXXX 's intimation to us was that any illegal acts that Green Tree committed were water under the bridge as Ditech is a different company - this is quite possibly XXXX the most ridiculous things I have heard. 

2 XXXX Green Tree/Ditech - illegally threaten our sellers and told them they had to vacate the property prior to the property being foreclosed on. They did this on or about XXXX 2014 claiming that they ( XXXX Tree/Ditech XXXX owned the property -- - our clients do not speak XXXX were bullied into vacating the property, this is something the Green Tree/Ditech has a history of doing. 

3 ) Green Tree/Ditech then continued to postpone the auction -- - they did not own the property as they has told our clients, and continued to fraudulently collect servicing fees XXXX -- - defrauding the XXXX taxpayer and the federal government. They claimed that the postponement was due to our clients bankruptcy .... Unfortunately for Green Tree/Ditech, this is yet another lie as the BK closed over 1 years ago. -- - this is a wide spread problem with Green Tree/Ditech as is evidenced by the XXXX complaints online. 

4 ) In violation of State and Federal statutes, Green Tree/Ditech did not reach out to the home owner and the homeowner only became aware that they still owned the property when a notice of trustee sale was issued on the property. I find it rather disgusting that Green Tree/Ditech would think it is ok to do this to a XXXX family only because they a ) do n't speak XXXX well ; and b ) do n't have the means to fight. This is a disgusting practice that they CFPB needs to STOP! 

5 ) We request that the CFPB ask Green Tree/Ditech why they would lie to a home owner and tell them that they owned a property when XXXX Green Tree/Ditech XXXX did not. Why they would not contact the homeowner for workout options. Why they would continue to collect servicing fees from a federal entity for over 1 year XXXX they already owned it ... or so they told the home owner ) without foreclosing increasing urban blight and defrauding 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 2022-02-20
Company: DISCOVER BANK
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:
I have ( ( had now I suppose ) a credit limit of {$4000.00}. I checked my accounts today as I typical do ever month or two and I noticed that Discover had closed my account. This strongly effects my credit score. I intentionally made sure I was paid up and even had my account frozen for security purposes. Im extremely disappointed as to how Im being treated as a consumer and find it absolutely ridiculous that they decided to close my account without any warning whatsoever. Please advise. 


Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the end of XX/XX/XXXX I have been dealing with a mistake that M & T Bank caused. 
They claimed to never get my XXXX XXXX when I moved into the house in XXXX. Since then I have been paying those taxes with my mortgage payment. They have promised me on several occasions they would fix and correct the issue. I have done everything they asked and needed of me and called regularly to check the status of this issue. During all of XXXX the issue only got worse. Every time I called I was never able to get the same person twice on the phone in the tax department so the issue became confusing on both ends and it basically turned into too many cooks in the kitchen situation. My XXXX statement said that my payment amount would be going up {$400.00} a month which is what prompted my original phone call. I have since found out about the taxes being wrong for 2 years and M & T Bank told me in total I should have about {$700.00} in taxes taken off of my payment. Great news right? Well it has taken them this long and the issue STILL isn't fixed. Every time I call I am told to give them a few more days and I have been extremely patient but I am at my wits end here. This should have been handled in 5 days tops and I am going by what M & T told me originally. I have had my issue expedited 6 times and now I have one person who I can contact directly to receive status updates which in the week I have been talking to him he never calls me, I have to call him and he never has an update. He asks that I give him 3-5 days to get a new escrow analysis done and I have done that plus an additional day and still no change. I am livid and exhausted with all this nonsense. I immediately tried to get this taken care of back at the end of XXXX so that it would be done and fixed before my XXXX payment was due but here we are, XXXX XXXX and still no resolve. I told them many times that I wanted this handled asap so that I would not have any issues by the time my mortgage payment was due. Please help me with this, I've tried so hard not to scream and yell at any of those people over the phone but I have cried because I am just so beyond stressed and exhausted from this whole thing. Thank you, 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 2015-06-12
Company: World Acceptance Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Today i went in to pay my loan, and i wanted to renew it and the lady said no because i told her about a month ago that i maybe moving to florida if I 'm able to save up by XX/XX/XXXX. but i do n't have the money to move so I 'm just gonnna move in with my mom until tax time. But she told me that she will not renew cause she put it in the computer that i was moving but that was rude and i will never walk in there again. i need the manager. AND also they keep sending me txt telling me to renew

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage being serviced by ditech. After the escrow review, there was a shortage found and we were asked to pay it up front or have our payments go up. The document stated if the shortage was paid by XXXX/XXXX/2016 our payments would be {$2700.00}. If not they would go up to {$2700.00}. We paid the shortage of {$1000.00} which was applied to the account on XXXX/XXXX/16. But the statement sent to us is demanding {$2700.00}, the amount for not paying the shortage up front. I 've called the customer services department and they claim it was applied to the wrong place and they say I still have to pay the extra amount and said it would come off my next statement. But their own billing statement shows the {$1000.00} applied to the escrow. They still increased the payments as if we did not pay the shortage in full. In essence, they are trying to steal {$48.00} from us each month. In this process, they have also suddenly changed my account number, which will be given in a later step.

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 2020-08-14
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2015-11-09
Company: GMA Investments, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This agency has been calling my home every other day leaving messages and threatening to look up my job info if they donot hear back from me and other threatening tactics. I have send a cease communication letter in writing XXXX/XXXX/15 asking to only be contacted by mail, they have since called again on XXXX/XXXX/15 & XXXX/XXXX/15 leaving messages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2016-01-20
Company: Brown Law, PLLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received at call on my cell phone from this company Brown Law and I asked them so send me a validation of debt for the account that they are trying to collect on. I received documentation but not enough to actually do any research to see who the creditor is and what the charges are. I also received a voice mail message on my cell phone which is a number that I have listed with the XXXX. When I asked who they were collecting for, the original company she said possibly XXXX XXXX? Are n't you supposed to know? I need more information in order to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We own a home mortgaged thru Greentree loan number # XXXX. We put it up for sale in XX/XX/XXXX. We were notify by the County that the key numbers were incorrect. We notify Greentree when we had a accepted offer thru our XXXX title company. They were trying to get the neighbors loan modify since XXXX loans were loans were with Greentree .Should be easy fix. Closing scheduled XX/XX/XXXX. Did n't happen. Green tree did n't work with it. Sent tile company that neighbors on XXXX XXXX behind on payment. Fired Title Company hired new now all research done documents sent they email yesterday and stated it could be 6 to 8 month before I can sell my home. I will lose my buyer they have waited since XX/XX/XXXX. I would understand if it was XXXX different mortgage co but the same. I have no idea who to turn to. All I want to do is pay off my mortgage and sell to these buyers. If it is not closed by the end of this month they will back out. XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation