BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX 2016, I had XXXX fraudulent charges to my credit card. That card was cancelled, and the credit card company applied the appropriate credits. But after the card was cancelled, I received four other credits from XXXX merchants. Those credits were not automatically applied to my new credit card. I 've now called 5 times, and only one credit has been applied. The other XXXX credits were applied as CHARGES to my new card, which still has n't been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is about a Kohl 's department store credit card balance due. The company or their representatives continue to call mutliple times a day at a minimum of three often more and have in fact called as many as 15 times in one week after being informed of the plan to pay the balance in question. We have asked numerous times to not be called and we have advised them that we will not make payments over the telephone due to scams and fraud issues. Still they continue to call even after making contact. This has been going on for more than two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX 2012 my home was sold at a trustee sale after it was foreclosed on. I had a second mortgage with Capital One on this property and they are still reporting it as an open account with a balance and are reporting anew 120 day late every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
My Consumer ID number is XXXX. I recently received a consumer report of my ChexSystems file and discovered that there is an address on there that is not relating to me and never related to me and ChexSystems is refusing to help assist in the removal of this address. The address that needs to be removed is XXXX. XXXX XXXX XXXX XXXX XXXX. FL XXXX. I have mailed off my identifications to ChexSystems with supporting documents that back this address does not belong to me. I don't know which method of verification that they were using or where they got this address from but it needs to be removed. 

XXXX XXXX SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Issue: Payoff process

Complaint:
I have been trying since XXXX/XXXX/2015 to communicate with Capitol One regarding a payment plan to stop collection efforts and make regular payments towards the amount owed. Since then, they have continued collection efforts, as well as charged-off the account, and worst have put my boyfriend in the line of fire with his credit as well. He was to be only a USER on the account, and has NEVER agreed to be on the card as a co-borrower. No contract has ever been signed by him. Therefore, both my credit and his are currently being destroyed by this XXXX company. I have made many efforts to contact them ( see attached ), to when they only respond with a letter ( see attached ) that says to call them and that they can not respond in writing. I refuse to call until I know my rights and my boyfriends rights are being upheld by the company - and currently, they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 'm a first time home buyer looking at financial institutions for potential loans. I have accounts at various places to include USAA. I was looking at potentially applying for a home loan with USAA and they ran my credit without my approval. I ended up going with another bank. I approved the other bank to run my credit but not USAA. Just because I have accounts with one company does n't give them the right to run my credit, or does 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 2017-03-31
Company: Diversified Consultants, Inc.
State: FL
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:
They kept calling me telling me to pay for this bill or ill go to court i paid the amount they gave me to pay so this needs to be over

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I tried to move my personal residence to my revocable trust. However, USAA does not allow that. Yet, they do prepare trusts and from what I learned, if the trust uses USAA as the trustee ; then it is possible ; but otherwise, it is not permitted. This seems unfair. I 'd further note that their website even recommends moving property to a trust - again, apparently if they are hired as the trustee only. From below, I clicked on making payments some loan servicing is listed under that section.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Diversified Consultants, Inc.
State: AL
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:
Diversified Consultants is a Debt Collector who buys debts. Allegedly, XXXX XXXX XXXX sold them an account with my name for old services I use to have through XXXX XXXX XXXX. The account, XXXX, was early terminated by myself for lack of services and breach of agreement with XXXX XXXX XXXX. So, I paid XXXX XXXX XXXX directly, a copy of that payment is included in this complaint. THis payment was not a settlement, was nothing short of paid in full for early termination of services, home security services to be exact. I disputed the first letter I received from Diversified because they had the account labeled as a " wireless '' account from XXXX XXXX XXXX. My " wireless '' account from XXXX XXXX XXXX is my cellphones, which are direct debited monthly from my company XXXX card. When I spoke to XXXX XXXX XXXX about my wireless account, the representative verified that my " wireless '' account has never been late and always paid on time by the auto debit to my credit card. Diversified NEVER responded to my dispute, simply moved forward with " verifying '' the debt and posting it to my credit report. XXXX XXXX XXXX claimed they never sold a debt to Diversified for my " wireless '' account. XXXX XXXX XXXX verified payment over the phone for the paid in full early termination fees on the home security services. Diversified, and possibly XXXX XXXX XXXX, violated my FCRA and FDCPA rights and their laws in XXXX ways. First, there was no true or verifiable PROOF of Diversified Consultants " Verification of debt '' as requested by myself. After that violation, they moved forward with reporting to the CRA 's and damaging my credit. XXXX XXXX XXXX representatives were just as confused by the labeling of the account as " wireless ''. Not until I spoke to a manager, AFTER writing to Diversified about the mistake and the dispute, that a manager said the home security services are labeled " wireless ''. The manager apologized for the confusion, however, that confusion led to this mess. Again, XXXX XXXX XXXX 's irresponsibility and negligence have cost me time and money and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan Modification for over 2 years. I have been disapproved on my short sale also and I am XXXX military.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Finance System of Toledo, Inc.
State: OH
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:
Hello, I have called to speak with Finance System of Toledo on several occasions starting XX/XX/XXXX. During the initial call I spoke with XXXX XXXX and explained to XXXX that an account from XX/XX/XXXX was on my credit report and I am unsure what the account is. XXXX goes on to tell me that the account is paid and what it is from. I explained that I have never received any notification of this account in the past and that I am unaware of the account. XXXX said " No worries he would send over a request to have the account removed from my files '' which it is only listed on XXXX. I called XXXX to let them know they will be receiving notification to remove the account. I called back later that day to double confirm the deletion and a lady representative stated XXXX did send the request and it will be removed. I called again XX/XX/XXXX to confirm again because the account was still listed on my XXXX report and was transferred to XXXX XXXX and he confirms that the request was sent and it would be removed soon. On XX/XX/XXXX I checked my XXXX report and noticed Finance System of Toledo is still listed on my report. I called XXXX and they stated they they never received the request to delete but in fact they received information to keep the account listed and recommend me to contact the agency. I called and was transferred to XXXX XXXX and explained the situation again. This time he stated that he sent information stating the account was paid. I explained the account was already listed as paid so that request would n't have been requested and reminded him that he stated he was sending a request to delete the account. XXXX says " oh yes that request was sent and I will have our department resend it ''. I called XXXX to update them on what was stated. I then call Finance System of Toledo to confirm this " special department '' that handles deletions and the female rep stated there is no such department. I explained I am very confused and quite irritated with the lies XXXX XXXX and the other reps that confirmed this deletion. I asked to speak with a Supervisor. No Supervisor was available so I left a message for a XXXX. XXXX returned my call at XXXX EST on XX/XX/XXXX and stated she does not see any notes from any of the reps I spoke with and she would need to look further into the issue because she has no call history for me. I am done with getting the runaway from Finance System of Toledo and am willing to take the proper legal steps if the account is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Officer of Consumer financial Protection Bureau : I am writing you this letter regarding my current Mortgage Service provider Select Portfolio Servicing , Inc. For past few months, I have tried resolving the repayment plan with Select Portfolio Servicing , Inc. , however they are unable to resolve the issue and they are not giving me any reason at all. I asked for loan modification and I was informed by my case manager that Select Portfolio Servicing , Inc. does not participate in any government program. Recently, one of their operators accidently told me that they are in process of selling Select Portfolio Servicing , Inc. to a company called XXXX XXXX XXXX and they are working with anyone on any plan. I was informed that, it will extremely hard to get a correct answer from anyone as employee are looking for jobs elsewhere. This is totally unethical that they do not follow government based load modification program and resist to provide any assistance to consumer. Select Portfolio Servicing is totally out of compliance with government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a variable rate and I understand completely that they can increase or decrease my rate at any given time. However since my credit is not good what I 've done is send in additional payments towards my principal to pay off my loan earlier ( since my loan did not have a prepayment penalty ). Now Select Portfolio is reducing my principal to elongate my loan term to the full 30 years. Keep in mind they are not increasing my interest simply adjusting the amount that is applied towards the principal, which is unheard of to everyone I 've discussed this with! As previously mentioned I fully understand they can adjust the rate but can they Legally reduce principal payments to maximize their profit? It is hard to belief this can possibly be legal, can someone please call me to explain. 

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 2017-01-16
Company: Global Trust Management LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The debt collector does not identify himself as a licensed or authorized debt collector. He identify himself as XXXX and the company who is working for, is ; XXXX, XXXX with address at : XXXX, XXXX, Florida XXXX with phone number : XXXX. This company acquired my debt of {$500.00} from XXXX. Because I did n't reach a payment agreement with XXXX XXXX he breached my online privacy and took personal information from my system ( names and phone numbers of friends, relatives and clients ) and he is calling every one of them to talk about my debt and leaving me message with them and recommended everybody to call me and talk to me about my debt obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is against Green Tree Mortgage Company, soon to be XXXX XXXX XXXX A few years back, I was unable to secure homeowner 's insurance on my residence because the Homeowners insurance company said that my roof was too old. As a result, Green Tree forced an escrow on my account to pay for Corporate placed insurance on my residence. This year, I was able to have a new roof put on my home, and as a result secure full homeowner 's insurance on my home. I paid for the policy in full. I then called Green Tree and asked them to remove the escrow account since there was no longer a need to have forced Green Tree Corporate Insurance. What would the escrow be paying for if the homeowners policy secured outside of Green Tree was paid in full? Green Tree refuses to cancel the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My loan was with XXXX and then Green Tree purchased it from them. Ive had a loan mod. through Harp and have been thru bankruptcy. Since my BK Green Tree has harassed me calling me to see when i will be making my payment, even though Ive never been late since they took over. They are ruining my credit by not reporting my payments on my credit report it says derogatory and no payment history. I believe I am a excellent customer and they are a predatory lender with no scruples. I have worked hard to save my house and rebuild my credit but this means nothing to Green Tree Servicing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently went on my credit report and saw I have a collection from Midwest Recovery Systems. I called to find out why this has been placed on my credit report to and they said it was from a XXXX XXXX of {$840.00} in XXXX from XXXX XXXX. I have never received or applied for a payday loan and this is fraudulent. I asked for a proof of debt and they would not send. I have never received funds from this company and they need to be removed this from ALL XXXX credit bureaus asap! This is a scam to collect money. XXXX XXXX is no longer in business as well. This is complete Fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Midwest Recovery Systems
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
So on XXXX XXXX 2016, I login in to my XXXX and this debt shows up stating I owed XXXX from XXXX. 1St of all I have never heard of this company. 2Nd I have never received anything about a debt from the original creditor or the 3rd party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Penny Mac was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised PennyMac that it had failed to send XXXX XXXX the required Post Foreclosure Referral Notice and had failed to provide XXXX XXXX with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. PennyMac is proceeding with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: GA
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:
Identity Theft Report Attached The following accounts and inquiries are fraudulent and the creditor agreed to remove it from my equifax credit report Fraudulent collection account Equifax XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Fraudulent Equifax inquiries XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I bougth a car from Drivetime on XXXX. Drivetime was reporting to the credit bereaus faithfully until summer of XXXX. The automobile I have from them already have XXXX miles so I decide to trade the car for a better one. I visit Toyota Delearship on XXXX XXXX on XXXX XXXX and when they pull my credit quest what Drivetime stop reporting to the credit bereaus. 
The manager from the delearship told me that unfortunally they can not extend any credit at that time becuase no credit history. I make a report to you ... [ Case number : XXXX ) I was promise by Drivetime that this situation will be resolved, and has not until today. I attach the letter from them. I been paying my car with none 30 days past due what so ever. I deserved from them to report my credit history. The letter has been attach to you guys for further info and action please!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted an automatic payment through bill pay twice on accident. XXXX for XXXX/XXXX/16 amd XXXX/XXXX/16. I also sent the payment to a wrong loan number. I Called pennymac to get refund on XXXX/XXXX/16. They notified me they have received the XXXX/XXXX/16 payment but do not see my XXXX/XXXX/16 payment. I have called them multiple times to get this resolved. The bank confirms pennymac has the funds but pennymac will has not located it and refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ditech has not acknowledged our loan modification agreement even though it was underwritten by them and sent to us for signatures in XX/XX/XXXX and has been notarized and filed with the County clerk since XX/XX/XXXX 

Even though we have not received a bill for over two years, we have been making religious monthly payments on our mortgage. 

We have been sent to collections once and which we had to fight with Ditech to overturn ; then with the credit reporting agencies to restore our scores. Now we are receiving delinquent notices again. 

Repeated attempts to contact Ditech in the last two years have resulted in nothing more than, " ... we will have someone contact you. " ; " ... your loan has been payed off in full. " ; " ... your paperwork has been misplaced/misfiled. " ; or " I do n't know. '' ETC ... Now it seems that Ditech wants us to apply for another modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: National Credit Adjusters, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
These people called my cell phone threatening to make me lose my job, sue me, and ruin my life. They never identified themselves beyond NCA. I called back repeatedly to find out who or what they wanted. I was ridiculed, told they would ruin my life and my children 's lives, and then threatened with a harassment suit.

Company response to consumer: Closed with explanation