BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Screaming at my Manager and sharing information Called them names and Hangup every time, Calling my family members and asking for me saying is about credit debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Midwest Recovery Systems
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Around XXXX XXXX, I discovered that a debt was listed under my name in XXXX XXXX for a debt incurred in XX/XX/XXXX or XX/XX/XXXX by Midwest Recovery Systems. I called my health insurance and we called collection agency and was promised to have the bill sent to me. No bill ever was received. I contact the hospital where debt was incurred and found I have never been treated or responsible for any health care. This is a XXXX fee of a non existence business.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've owned my home since XXXX. In XXXX I refinanced my mortgage with XXXX with a loan for {$500000.00}. This was an interest only loan with a fixed interest rate. It went along fine until OCWEN took over servicing in XXXX XXXX. I had been paying my monthly mortgage of {$3200.00} since the beginning of XXXX. The interest due on my loan was {$2800.00} per month. That left XXXX for my escrow. It turns out that I was underpaying my escrow by about XXXX but I did not know this at the time. As I said I had paid that every month during XXXX and there was never any complaint from Litton. But the very first month after OCWEN took over there was a problem. This was XXXX XXXX payment which I made on XXXX XXXX, XXXX. Rather than pay the interest due and put the remainder into escrow ( which is what the deed of trust says to do - first pay interest then pay escrow ) they paid the escrow first. They took out {$410.00} out of my payment to pay the escrow and then they paid the remainder toward the interest XXXX {$2800.00} ). However, that meant I had not fully paid the interest due on the loan. OCWEN realized that they were not paid the full amount of interest and on XXXX XXXX, XXXX they sought to fix the error. What they did was illegal and had caused nothing but problems ever since. OCWEN lent me {$38.00} without my permission and without authority in the loan documents. Initially I borrowed {$500000.00}. Effective XXXX/XXXX/XXXX my principal loan balance was {$500000.00}! Oddly the amount that was off was actually {$39.00} was what I was short so I have no idea why they did {$38.00}. After that it just got worse. Every month when I made my {$3200.00} monthly payment OCWEN would put it into suspense and not apply it. I understand that I was paying about {$39.00} too little but I did not know that and Litton had allowed it the entire year. Also please note that I always got money back annually from my escrow. This holding my payments in escrow went on for month after month generating fees after fees until a bank rep reached my wife and told her we were behind XXXX payments so she immediately sent in the money that was asked for. What happened with that is that OCWEN took the short fall out of that payment and paid the rest towards principal so that the following month I was back to being put in suspense. By XXXX I had figured out I needed to send in more for the escrow and from that time till now I have been paying the exact correct amount. Yet they still charge me late charges and other fees every month. I hired a lawyer who reviewed the payment history and explained to me how it is that I make every single payment on time and yet I am going into foreclosure. Can you help me? I am willing to pay them all the money they want but I do n't want to pay all the fees. This started by them making a mistake! Can you help me? Can you call my lawyer? XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
THIS ACCOUNT WAS NOT OPENED BY ME SOMEONE HAS MY PERSONAL INFORMATION AND I HAD NO KNOWLEDGE I AM REQUESTING THAT THIS ACCOUNT BE CLOSED AND REMOVED DUE TO THAT FACT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I currently have a complaint being addressed by your organization regarding Capital One. I recently learned that regardless of the XXXX phone calls I have initiated since XX/XX/XXXX with Capital One, they continue to perpetuate this process. A few days after I made my last call to Capital One, and after they failed to return my calls after XXXX separate requests which forced my hand to file my complaints with the state of XXXX and XXXX offices of the attorney general - Capital One sent yet another letter to the address in XXXX, which I requested and demanded they remove from my account two weeks and XXXX calls earlier and had informed them on XXXX previous calls that I currently had a credit card open with Capital One which had a present address in XXXX. This last letter indicated to the individual at the address in XXXX that attempted to open the account in my name, to please contact Capital One as the account was temporarily on hold and they needed to speak to the card holder prior to moving forward with activating the card. You can imagine my newly found frustration with this process, as I have been informed by at least XXXX different people and XXXX additional managers at Capital One that the card and the account have been deactivated, yet letters that have been sent to the address in XXXX dictate otherwise. 

I will be gaining access to all of the information and sending them your way ... 

Thank You,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
For a Capital One Savings account, you apparently need to have a minimum of {$300.00} to avoid any " maintenance '' charges. I eventually noticed the charge after two months, brought up my balance to {$300.00} in the middle of the month ( XXXX/XXXX/15 ), and was subsequently charged another {$5.00} on XXXX/XXXX/15. Based on my chat session on XXXX/XXXX/15, the representative said I would need to have {$300.00} each day ; so apparently I can not offset this and save myself from the {$5.00} fee because I can not go back in time to XXXX XXXX to bring the account back up to {$300.00}. 
So I will have been charged {$20.00} for an account that will have earned me about XXXX cents in interest over the same time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we are currently delinquent on our mortgage and have a sale date of XXXX/XXXX/XXXX, we have tried numerous times to get help from ditech but no one is helping. I have turned in all the documents they have requested several different times. I was laid off in XXXX and have not been able to find work since. my wife is very ill and has mini strokes occasionally since XXXX the co borrower is a sole provider and the only contributor right now to the household while he is on a fixed income it has made it very tough on him this year and we are scared we will lose our home. Please help us save our home!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Himy name is XXXX XXXX XXXXI have a problem some one used my information to order phone 's and to get credit card online form the bank 's ... I have XXXX opened accountsI do n't no who opened ..please can you help meI have a prove for the stautoin the prove issince XXXX/XXXX/2012 until nowI 'm not in America. I XXXX out since 2012. Please I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Sale of account

Complaint:
I was an Orchard Bank customer in good standing with a {$500.00} secured card. In 2013 Orchard Bank was acquired by Capital One. I now have an unsecured card and I am in good standing with Cap One. I contacted Capital One to find out about the {$500.00} from my secured card. They said they have no record of this. As I looked for commecnts from others regarding this situation on the web I see there are others in the same predicament. I am still pursuing Cap One to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Creditors' Protection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have bills on my credit report I have nothing to do with.

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 2015-10-30
Company: Ditech Financial LLC
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are a month late with Ditech ( fka : greentree servicing ) and we have been getting harassing phone calls from their supervisor XXXX and other staff on a daily basis. We have never been late in paying our mortgage and this is the first time. My husband was XXXX. As we reside in Hawaii, the cost to get him there with a minimum of a month of lodging and other living expenses we could not pay the mortgage. The XXXX stated that he will be XXXX for a year or longer after treatment, thus I began the loan modification as there will be no income to support all of the expenses. Ditech has been calling and harassing me, in particular their supervisor " XXXX '' on a daily basis for the past two weeks. I have explained my situation and they acknowledged receipt of the loan modification documents, but still they keep calling every day! XXXX and the other Ditech staff are very rude, uncaring and very demanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I complaining to the services of you good office to kindly help me resolve the predatory, nature surrounding getting the help I need for a loan modification with ditech, LLC. And returning to me my mortgage payments made to them. Ddetech, LLC informed me that they were legally in charged and have taken over my mortgage. Among the statements mailed to me, the statements dated XXXX/XXXX/2016 ( {$29000.00} and {$30000.00} respectively - including a letter to pay my own owner Insurance that is mortgage inclusive but not limited to XXXX conformation letter completed the Hope Modification I have asked for. to date I need answers to support my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Sometime in XXXX 2016 my husband & I were able to pay off the second mortgage. In fact we over paid at the time. ( This was according to Ditech ) They had said that they were going to issue us a check for the over payment. So my husband & I waited for a month & then made several attempts to call Ditech. Every time we called we talked to someone new, each with a different story. The last time my husband called he was promised that a supervisor would be calling him back, but no one ever did. Yesterday ( XXXX XXXX nd ) I made an attempt to call & finally was able to talk to a supervisor named XXXX. She has explained to me that They emailed the escrow team 3 times & no one ever got back to her. When I asked about talking to a supervisor in Escrow she said that they do n't have one & the only way they can get a hold of them is by email. It is now XXXX of XXXX & we are still waiting on our refund/ over payment. I would really like someone from there to be honest with me & not give my husband & I the run around. 
I think that we have been waiting long enough for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has approved a mortgage modification for me, and I 'm grateful for that. However, they will not allow me to pay online, they will not accept my debit card over the phone, and they want to charge me {$12.00} to make a payment by phone. It 's the {$12.00} that I 'd like investigated. If they 'd let me pay on line ( free for all customers ) then the {$12.00} would not apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is stating that my XXXX 2014 payment for the mortgage account XXXX with XXXX XXXX XXXX was 30 days past due. XXXX XXXX XXXX previously listed the payment due that month as past due incorrectly, but I worked with them to have the error fixed through a CFPB dispute earlier this year. I have a letter from XXXX XXXX XXXX that clearly states that this payment was not late - and the other two credit bureaus removed the late payment from my credit report, Experian is the only company that still shows this payment as late.

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 2016-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been approve a capital one credit card after been approve they froze the account because I have cards as join account and they think it 's fraud but any way the problem now after summiting my personal information they do n't accept my passport because they said its from different country they are so XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Experian Information Solutions Inc.
State: NC
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:
Experian will not furnish me a consumer disclosure file, due to deception and manipulation of furnishing incorrect information on my credit file from XXXX XXXX XXXX ( Dealership ) XXXX XXXX XXXX XXXX, XXXX, NC XXXX & XXXX XXXX that is re-aged. Under FCRA Section 605 ( c ) this a serious violation. 
In contradiction, referencing the attachment : Page 2 : I never made a payment in XX/XX/2017 ; page # 2 & 3 will provide proof, I never made a payment in XX/XX/2017 ; page # 2 & 3 will provide proof. Moreover, refencing page # 2, in XX/XX/XXXX 180 days re-aged the account in which I never made a payment only on XX/XX/2017 due to fraud from the dealership. In contradiction, this account should have been reported to charge-off status NOT " re-aged '' at 180 days. ( See attachment page # 2 ) Experian will not furnish me a consumer disclosure file, due to the North Carolina statue of limitations expired debt collection laws. Refencing top of page 2, the " payment history legend '' information furnished on my report is not in sequence 30, 60, 90, 120, 150, 180, R, D, C, CO, CLS, ND ....

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 2017-01-03
Company: Ballybunion Enterprises, Inc
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The original contract only stated a fixed payment of {$56.00} on a financed amount of {$1100.00}. There was no interest rate indicated nor a installment end date ( my fault for not noticing ). I have been paying on said account for 11 months now and called in XX/XX/2017 to get the principle balance so I could pay it off and was advised it was {$940.00}. I then started asking questions as to how and she told me my interest rate was XXXX % however had no clear explanation as to how only {$150.00} of {$610.00} was applied to the actual principle balance with {$460.00} going to interest. The company can not justify where my money has been applied and has advised me they do n't have a detailed statement to send me showing the appropriation of my funds.

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 2017-03-09
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw this doctor in XX/XX/2011.My bill was paid in full. Now, six years later wtih no subsequent communication from the doctor this collection agency claims I OWE this bill. I asked for an itemized bill and clearly protested this bill saying I did not owe this money. They sent me a letter and " itemized '' bill. The bill is not on any letterhead that says where it is from. It says the amount is {$190.00} but at the bottom it says NO CURRENT PATIENT LIABILITY. 

The attached letter from the collection agency says the bill does not reflect my current charges and says the amount owed is XXXX. The letter also contains the following statement- '' the amount owed on the enclosed bill shows XXXX because your account has been charged off as a delinquent account. This does not mean that the amounts charged are not due, or that you have a XXXX balance. The amout due is reflected above in the current balance. This statement may not refect payments made either by you or any insurance comany after the service date. '' I do not owe the {$83.00} that Commonwealth Financial Systems says I owe. My credit report reflectss my 100 % ON TIME bill payment. They did not include anything from the physicians office with identifiers saying I owe this money. The bill they provided says clearly PATIENT HAS NO CURRENT LIABILITY. 

I am in the process of purchasing a home and this showed up on one of the credit reporiting agencies. 

They refuse to discuss this with me and will not listen when I tried to explain what the letter says. They say I owe this when I have nothing other than a letter from them saying I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Debt Management Incorporated
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I was XXXX and taken off a highway by XXXX, state police found me not at fault, Auto insurance miss this nill and now the company is wrecking my credit, They have all the ins info but they choose to to hurt me instead, I have documents to prove my words..

Company response to consumer: Closed with explanation