BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: KEYCORP
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Last month I applied for a loan with a company " XXXX XXXX XXXX '' I have all the original loan promissory legal note and notarized identity verification also and other paperwork and digital documents as well. So now Key Bank my bank says I owe them nearly XXXX XXXX dollars? How is that even possibly when they are issuing me my credit of account from the federal reserve? I know what happens at XXXX I have read many bank manuals its kind of funny how many people have their hands in pockets that don`t belong to them, between both sides of the accounting also, through the complete 1099 series XXXX., acquisitions, and forms don`t forget the courts one shouldn`t have to function in the private there is plenty of people unaware and others that don`t care, but I do! I am a XXXX XXXX I can barely manage to pay a bill on the account I do not enjoy paper work I will not be taken advantage by anybody I am a introvert but if I won`t speak up for myself who will definitely not ... Anyway I called the FDIC they told me that they do not handle their account I thought every bank account is insured through the FDIC so do I need to talk to XXXX or their minor XXXX? My thoughts are going back to the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MEDICAL DATA SYSTEMS , INC . 
3 individual accounts on my credit profile.

1st Account : {$370.00} 2nd Account : {$230.00} 3rd Account : {$63.00} I have absolutely no knowledge about this account and has taken an extremely negative effect on 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 2021-06-29
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX of 2019 I opened a line of credit with GS bank usa. Apples new credit card. The card purposely did not come with the card number printed on it. 
This became an issue when I lost everything on my XXXX device. I have no history anywhere of this credit card and cant look it up because the card doesnt have a card number and cant look up my statements or transactions. I received no letters in the mail from this card company, no emails or anything to tell me I was past due or what I owed. There is no paper trail at all from them. I have called the card company and they said they didnt see that I owed anything, yet its still on my credit report that I owe {$1000.00}. Ive called the credit reporting companies and they told me to call the card company. 
Because of this issue with the card company I am unable to apply for a different credit card since they are reporting a balance due, yet I havent received any statement or any way to even verify the accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Recovery Solutions was supposed to have removed derogatory information from my credit reports. It has been 60 days since their letter stating such. It still remains on my credit reports. 
REFERENCE CFPB CASE NUMBER 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 2021-06-29
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CMRE Financial Services sent me to collections for a {$370.00} debt. They are quite incompetent & didnt have my current address on file & so I wasnt aware of the debt until it was already on my credit report. Once I took notice of this I called the company & I agreed to pay the debt & they agreed to take the account off of my credit report. A few days later the account was marked as paid but not taken off of my credit report. I called them back & was told in a very aggressive way that they would never do that for me. I asked to speak to supervisors & they never called me back. I disputed with my credit bureau & they still would not agree to take it off of my credit report. How am I supposed to be liable for an account for 7 years that I was not aware of? Not only are these tactics unethical, aggressive, & unfair, but they also disproportionately affect low-income households. I looked up CMRE reviews on the XXXX  & everyone else seems to feel the same way. This company holds people XXXX for medical debts & permanently ruins their credit while theyre already hurting. I have never seen a company this brazen & shady, even from debt collectors, ever before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: FREEDOM FINANCIAL NETWORK
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I called the customer service line of Freedom Debt Relief ( FDR ) to get the balance figure of my dedicated account to determine an additional payment amount to be submitted to clear, and totally pay off the negotiated amount I owed to XXXX XXXX. I also advised that I wanted no further negotiations performed by FDR. I believe, to the best of my recollection, that I specifically named one creditor to be removed from any further negotiations. On XX/XX/2020, I used my debit card to pay {$2600.00} to totally clear and cancel any further obligation to FDR. I more than once asked for confirmation that my account was totally paid and there would be no further obligation to FDR. I was assured by the individual on the phone that my account was totally paid off and my account would be closed. ( If indeed conversations are recorded, why aren't they listened to? ) After paying my account in full XXXX XX/XX/2020 XXXX, a {$340.00} incremental was withdrawn from my account on XX/XX/2020. I called FDR and pitched a fit, during the conversation, it was again determined that my account was paid in full and the money was returned on XX/XX/2020. 
The next thing I know, {$10.00} is being withdrawn from my account on a monthly. I called FDR again, this time I was told the institution ( XXXX XXXX XXXX XXXX  ) paying the XXXX XXXX account would have to remain open until the creditor agreed to accept payment in full, which according to FDR, could take up to 6 months. I called XXXX XXXX and was advised that a payment in full transaction could take place in a 24-hour business day. 
In XXXX, I contacted XXXX XXXX again and stopped all permissions to allow withdrawals by FDR. 
I continue to get weekly notices that I need to resume deposits to FDR and the have added two more monthly fees for {$12.00} and {$21.00}. This is total nonsense, as I paid my account off on XX/XX/2020. I have my " dashboard '' provided by FDR, which will verify dates and $ figures. 
I have called XXXX, FDR, and XXXX trying to get this resolved, to no avail. 
FDR address is :. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Customer service : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt collector from Triple A collections from XXXX XXXX, SD. I believe that was the company name. Their phone number is ( XXXX ) XXXX. They mentioned the bankruptcy before I did and still tried to collect on the debt. The debt is from XXXX XXXX. The amount is in excess of {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I originally receive a letter of pending wage garnishment from ECMC, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called XXXX XXXX XXXX. I was never given the hearing or review that I requested.

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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX : I demand TransUnion, XXXX remove the following inquires as I never gave you written instruction to reflect the inquiries : 1. XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/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 explanation
Consumer complaint received 2021-06-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I filed complaint XXXX in which the company acknowledges mistake however they say my lates are in XXXX and they arent. The late reporting accured from XX/XX/XXXX till XXXX of XXXX in which I have 6 missed payments. Community also says my loan doesnt qualify for forbearance yet I've been on forbearance since XXXX of XXXX and still to this day. XXXX continues to report the 6 missed payments. Community states they've sent correction letter to XXXX to remove all 6 lates, however XXXX says they've never received such letter. In fact XXXX says community confirmed the 6 late payments as accurate even after theyve acknowledge their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm a victim of identity theft and someone opened up accounts in my name

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 2016-10-12
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The mortgage was charged-off in XXXX. They kept threatening to foreclose until I paid. I had no funds until XXXX and learned I have been paying on a debt that was closed out years ago. They lied and said there was a lien on my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: World Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This account was paid in full, but world finance has submitted information to the credit bureau that I owe {$3100.00} but, the loan was for {$610.00} and I was taken to court for XXXX. The XXXX has been paid in full and I have attached the documents to prove it. I did receive a receipt for my last payment. Now world finance is submitting fraudulent information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech is managing a refinanced VA XXXX XXXX mortgage for me. I called them to find out why they are not reporting my mortgage to the credit bureaus and they said their policy is not report my type of mortgage. They could not give me a reason why and just said that was their policy. This has resulted in my credit report dropping over XXXX points because Im not showing a mortgage anymore.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have complained about this company XXXX through the CFPB and wrote both times that they were to stop calling any number they have for me. The XXXX complaint got no response and the XXXX XXXX I was un able to access the respone on the website. The CFPB said that the company recieved both comnplaints so I know they have seen the do not call me anymore message. Also I have disputed the known debts from this company and that should also be on record with the CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company erroneously reported that we were over XXXX days late on our XX/XX/XXXX mortgage payment. To date, we have NEVER been XXXX days late with any of our payments and this accounting error on their par has lowered mine and my husbands credit scores from XXXX down to XXXX because f Ditech 's error. We noticed this error on XX/XX/XXXX and contacted Ditech immediately to report, we called several times, each time getting a different story on how we were to obtain proof that they corrected, and I have emailed them requesting this as well and have yet to receive back up that they have corrected with credit bureau and will not send us a letter or anything stating they made this error and it was corrected with date of correction. My credit score is still XXXX or below due to this error and we are supposed to try to buy a new car since our car lease is up at the end of XX/XX/XXXX. They have also repeatedly charges us incorrect late charges and also XXXX allocated our check we sent for mortgage payment to another amount thus charging us late fees for their error. This time, it did us actual damage to or credit and will not respond with correction for us to use when we go to apply for lease for car. I have attached bank statements that show each payment totaling {$1100.00} per month ( our monthly payment amount ) highlighting the check memo that is printed with each payment that lists month, mortgage, and year on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A foreclosure notice was issued in the XXXX, AL newspaper about my home. Until then, I had not received any notification from the mortgage holder, Greentree. After approximately five weeks of talking to Greentree representatives and the foreclosure attorney, I submitted the full amount of {$22000.00} to bring the account current. However, the payment was not accepted, and foreclosure proceedings continue. I 'd spoken with XXXX on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 and understood that a stay would be issued. 

I would like to stop the process and keep my home at XXXX XXXX XXXX in XXXX, AL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: National Credit Adjusters, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Got something in the mail and it did n't even say what the debt is. It dosnt even say when it was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This account was paid off/transferred to another lender, XXXX, in XXXX of 2017. It still remains on my XXXX, XXXX and XXXX XXXX reports with late payments. Since the account has been paid off and I know longer owe ACS, I do not wish to have this account show up with derogatory statuses or late payments on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX  did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that  XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.

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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX violated the FCRA laws whee states you must give a customer most recent updated credit score : see attachments for violations maybe hire people in AMERICA that actual know how to read credit and use it not some 3rd world country : thanks below youll see the date and the credit report they provided me ONLINE as evidence

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 2016-08-19
Company: BlueChip Financial
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:
I get several calls a day from a company called Spot Loan and when I answer the phone they hang up. They leave messages when I am not there to answer with a call back number I 've tried calling them back to see why they are calling me but they usually do not answer. Today I got a rep on the phone claiming I have a loan with them which I do not. I want them to stop calling me. I 've asked them to stop, they will not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: ACS Education Services
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am filing a complaint against my student loan servicer ( ACS ) because it changed the terms of my student loan without my consent and without giving me notice. ACS changed the terms of my student loan payments from principal + interest to an only interest payment. This complaint concerns a loan I took out to study for the Washington XXXX XXXX. Please see attached documents.

Company response to consumer: Closed with explanation