BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: Avant Credit Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Avant on XXXX XXXX asking if I could make my payment on XXXX XXXX because I incidentally made two payments one month which put me ahead in terms of paying them. They replied back saying, Thank you for your email and we apologize for any trouble. We have received your request and have forwarded it to the appropriate channel. If you have any questions in the meantime, do n't hesitate to reply to this email or give us a call at XXXX. We appreciate your patience while we work to resolve this! On XXXX XXXX I noticed on my bank statement that they withdrew the XXXX even though I asked to numerous time if the double payment could suffice for the XXXX XXXX payment and my regular payments resume on XXXX XXXX. I noticed when I checked my contract that they did indeed accept my double payment but as yet have did nothing in terms of resolving this issue of the double payment. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2015 in the amount of {$1300.00}. Since that time, I have paid to the credit the amount of {$990.00}. Please note that this loan still carries a balance of almost {$1300.00}. Which is ridiculous considering that I have paid all but XXXX of the original loan amount of XXXX. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
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:
this is not dulpicte complint For the second tine the debt recovery solution lilac is reporting account number on all credit report that is not mine. My first complaint Reff to CFPB case numbers XXXX. See all documents on file.

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 2022-05-25
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Synchrony financial  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX Synchrony financial  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-25
Company: Heartland Resolution Group, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Heartland resolution group keeps calling me and letting it ring one time. They don't leave a voice mail and they don't give me time to answer the phone. This is harassment. I want them to stop calling me. When I called them back the person that answered just antagonized me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX CARDS XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan through fifth third bank. they stated that they sent me 3 to 4 letters requesting my insurance information which I received none .. although they have my phone number listed on file I received no phone calls from them. 
They took an extra {$410.00} out of my bank unauthorized on top of my normal {$450.00} car payment as a punishment of not giving them my insurance information in XXXX. I immediately notified my insurance company to provide them with my current insurance and to show that NO lapse in coverage has ever been with regards to my vehicle. I was told by fifth third bank that it would take 3 to 4 weeks to refund my money to this day I still have not received a refund of the {$410.00} after providing The requested documentation .... fifth third bank then took out an extra {$410.00} on top of my normal {$450.00} payment in XXXX even though they received my insurance information this transaction overdrew my account charging me overdraft fees through my bank. fifth third bank now owes me {$820.00} and I have not received any of it back and I 'm being told I have to wait for their process when I live paycheck to paycheck for like 80 % of the population. and they really do n't care and they are in no rush to give me my money back when they had no right to take it out to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13
Company: ResidentCollect, Inc.
State: TX
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:
I gave a 60 day notice for me to move out for XXXX 2015. I have lived in this apartment for over a year. There was MULTIPLE problems with the apartment. there was live mold in the a/c unit in the bathroom. The location was above the sink in the bathroom. I have pictures while I was living there and moved out as the rust and mold grew from the leaking a/c. The kitchen was infested with roaches. I gave back the keys. The report of the charges that are in collections is not clear. Very BLURY TO READ. I requested a copy 3 times and only received XXXX copy that is blurry. I called there collections agency and it is fraud. One XXXX man answers the phone and does not explain charges only ask to money. I called XX/XX/XXXX 3 times the same person. ITs fraud.

Company response to consumer: Closed
Consumer complaint received 2022-05-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX sent an amount of {$140.00} to Wells Fargo as part of a fraud claim in amount of {$690.00} on XX/XX/22, check number XXXX, check was not cashed and supposedly rejected back according to XXXX XXXX, rep with Wells Fargo. I explained this information to XXXX rep, XXXX whom advised instructions received from Wells Fargo state to send remaining funds in XXXX accounts to Wells Fargo... I then attempted to reach back out to XXXX, several messages left, none returned, complaints filed in re and unresolved.. The reason to speak with him is to advise what XXXX rep stated and to provide his contact info to reach out. To date, I have been unable to reach XXXX or a manager on XXXX side to resolve issue of missing funds, the amount of {$140.00}. XXXX can be reached at XXXX should Wells Fargo rep have questions.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
XXXX, Transunion and XXXX is not complying with their own policies in a timley manner

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 2017-01-25
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This company keeps sending statements and request for payment to an address that I have never lived at nor do I have an business with. They are doing this in spite of notification and a formal complaint in 2015. This causes embarrassment and makes my personal information available to any person that gets the mail at this address. Ditech has been notified and the consumer credit reporting agencies have been notified in writing that this address is a public building and has no association with me nor should my private information be sent to the address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My local bank sold both our primary house mortgage and our investment refinance to Ditech. Since then, Ditech has continuously misallocated our payments, added extra money on to our principal amount, and failed to correctly record payments. We have been enduring this nightmare since XXXX 2016 and it has gotten way worse since Ditech changed its payment system. Now there are continuous errors. We just looked at our principal balance and they have just added over a XXXX dollars to the principal in spite of our regular timely payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: MEI AUTO FINANCE INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XXXX a coworker listed me as a reference for her car. I worked with her for maybe two-four months. I have told them since XXXX I dont not have any contract with her and remove me as a reference. They have continued to call. I have received four calls this year and I keep telling them to stop calling me. I have blocked every number they call from. They will not stop calling me, I do not know the lady to give them more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX of XXXX there was a hit to my credit by Navient, the company who handles my student loans. This didn't make any sense because I had two automatic payments coming out for years. When I called them, they explained to me that they had started a third loan and I would need to set that up myself. I asked them if they called or emailed me to tell me about this new loan and they said no. I should have known that I changed programs and a new loan would start. This  exact same scenario happened again in XXXX of XXXX. Another new loan, with no explanation. On both occasions, I paid what I didn't know I owed immediately and added them to my current auto pay. They said they didn't have the ability to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: Freedom Mortgage Company
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXXXXXXXXXX Business Information Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I have made voluminous efforts by calling, faxing and emailing Freedom Mortgage Corp. to obtain the following XXXX ( XXXX ) issues : {$1100.00} refund due me resulting from a Cashiers Check disbursed on XXXX/XXXX/XXXX from my XXXX XXXX XXXX Bank checking account to XXXX, TN. XXXX Associates who in turn made a wire transfer to Freedom Mortgage on XXXX/XXXX/XXXX for a purported closing cost deficit of {$1100.00} when I sold my home in XXXX, TN. on XXXX/XXXX/XXXX. Freedom Mortgage claimed they never received my XXXX XXXX Mortgage Payment for {$3200.00} ( Mortgage Loan # XXXX ) which I later validated by providing a statement that I paid it over the phone on XXXX/XXXX/XXXX with a Rep from Freedom Mortgage which subsequently cleared my XXXX checking account on XXXX/XXXX/XXXX. {$1300.00} due me by Freedom Mortgage resulting from an Escrow refund check disbursed by XXXX XXXX XXXX Bank to Freedom Mortgage on XXXX/XXXX/XXXX which represented a surplus in my Insurance Escrow account with XXXX. I have yet to receive my XXXX Form XXXX which illustrates the interest paid on my Freedom Mortgage Loan # XXXX in calendar year XXXX. 
Desired Resolution : Refund Desired Outcome Refund monies totaling {$2500.00} and provide my calendar year XXXX Form XXXX which states the interest I paid on my Mortgage Loan with Freedom Mortgage Corp. in 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 2022-05-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wells Fargo has not sent notice claiming I owe an amount of {$190.00} for closed account number XXXX. I was referred to account recovery dept without receiving any notice I owe this amount, account recovery was explained the debt is due to a credit reversal in amount of {$290.00} including two funds transfers in amount of {$50.00} bringing the amount to {$190.00}. I was advised to reach out to the merchant whom charge in amount of {$290.00} originated from, in which case, the merchant will not refund as they claim the item ordered was delivered correctly... The item was shipped via XXXX, driver has a habit of forging signature and leaving package where it can be lost/stolen as is the case with this transaction. Previously, driver signed for a package as " XXXX XXXX '', complaint filed in re, driver chose to sign for XXXX package as " XXXX XXXX '' due to complaint filed.. The package is nowhere to be found, disputed with Wells Fargo whom placed a temporary credit on account while researched, credit later reversed citing signature which is forged.. I never sign my name as " XXXX XXXX '' and it is not on file as such with Wells Fargo.. I will reiterate as I have before, I do not pay for items not received nor will I ever

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 2022-05-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$1300.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

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 2017-01-05
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are sending harassing phone calls practically daily and do not leave a message. I have on idea who they are or what they want.

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 2015-12-01
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Greentree offered to refinance my existing mortgage. I agreed and we refinanced. Come to find out that the Mortgage company used the entire tax map # of XXXX acreas instead of the XXXX acreas and the house that was on the mortgage they were replacing. I notified them numberous times and they finally requested in writing on the XXXX of XXXX. I faxed all documents over and was told I would have a response in 30 days. I have called since and all they can tell me is that they have handed it over to outside council and can not give me a time frame for the release. I have part of this property sold and can not close because they will not forward the release or the affidavit for correction as stated. This has now been 75 days and there only response is its out of our hands.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
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:
DIVERSIFIED CONSULTANT XXXX has called me many times stating i will get a arrested if i do do n't pay this debt that i do not owe. they evn told me they had a cop outside my house as we speak,, They have called my work phone n my house phone and even harassed my XXXX XXXX XXXX daughter when she answered the phone. i was told i would go to jail if i dont pay this debt. This debt was for XXXX. XXXX is the one that cancelled my contract due to me not ever having good service and calls dropping constantly. I complained each month. I returned all XXXX cell phones and paid my last bill i was told i would not owe a thing and now XXXX has sold this made up debt to DIVERSIFIED CONSULTANT and they wont stop harassing me. They have this debt ob my credit report as being opened in XXXX 2015 which is false that inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: EQUIFAX, INC.
State: MI
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:
I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report.     The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent.      XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  -   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2015 I got a very attractive credit card offer from XXXX XXXX ( incl ). Major benefit included : " {$150.00} cash back bonus. Spend {$500.00} in the first 90 days of Cardmembership and earn a {$150.00} cash back bonus ''. Same day I 've applied on-line and was approved. On my first statement, dated XXXX XXXX, 2015, I 've spend total {$800.00} and on XXXX XXXX paid in full ( incl ). According to the fine print : Bonus points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend ( incl ). So, I completely followed the rules and meet all requirements. Then I was patiently waiting for XXXX/XXXX/2015 statement to get my cash back bonus. Unfortunately, my XXXX statement arrived with no bonus and I call the XXXX XXXX customer service. Analyst agreed with my concern and advised me that resolution will come shortly by mail from a different department. On XXXX XXXX, I 've received the letter ( incl ) indicating that bonus rewards will be posted 10-12 weeks from the end of the offer period, which is additional month on a top of 2 month in original offer. I 've wait another month, but XXXX statement also come with no bonus. On XXXX XXXX, 2015 I called again customer service and spoke to several people including the manager. Nobody, including manager, was not able to give a clear answer why I do n't get my cash back bonus. Manager was so rude and unprofessional and told me : If I do n't like the service I should close the account, which I did ... 
Please investigate and advice ; what are we dealing here : false advertising or just poor service? Also, how come such a bad company can use and apply American express logo?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief