BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
plaza services XXXX did not call me or send a letter stating i owe this debt, also not giving me verification of this debt, or a chance to dispute this debt before reporting it to the credit reporting agencies. now this debt is reporting on my credit report causing my credit score to drop XXXX points, disqualifying me from receiving the home loan i currently applyied for

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 2015-10-15
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To : Consumer Response Center, Room XXXX, Federal Trade Commission,XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXXTo Whom it may concern ; I am writing to seek your help with a Mortgage Creditor ( Greentree/Ditec ) that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a CHXXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 


My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. They state the account is Closed, " 0 '' balance and bad payment history. Not the case as we have a balance, and have an impeccable payment history over the last 6 1/2 years. 

Over the last 1 1/2 years, we have sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus. On phone calls, they simply state that they " can not '' report our account to the bureaus until the Attorneys approve it. We are unable to speak with the Attorneys. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We wish to purchase another home, but lack of published credit prevents it. We ask that you assist us with this matter and demand that they immediately report our credit file to the credit bureaus. Below is the Company/Account information. 

Greentree / DitecBK Dept. XXXX x XXXXAccount / Loan # Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX AZ XXXXThank you sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree merged with Ditech. We received a statement in the mail from Ditech ( we have an XXXX loan and the XXXX is with Ditech XXXX. We have tried calling their customer service on XXXX different occasions as we need a statement of the last 12 months of transactions. We tried to create an account online but it is saying it does n't recognize that account number. Every time we call the customer service number we get a different answer ... .they ca n't find our account but do n't know why we ca n't access it online. On several occasions they say they ca n't find our loan based upon the Loan number they gave us nor the social security number and address tied to the account. Either this company hires incompetent employees or they are shady ... .I am leaning more towards shady. Is n't it our right to access our account information? Are n't we entitled to get this information when requested. I would also like to mention that this account is and has always been in good standing. If they ca n't find us when we call, how can we be sure they are applying our payments correctly?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After submitting all required and requested documents in support of a loan modification, servicer has sent a letter saying application is incomplete and they will not be reviewing the application for modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have called and faxed Experian, XXXX, and XXXX about removing my addresses, the only address that I needed to remain was my address on XXXX XXXX XXXX XXXX, XXXX IL, XXXX. 
Please remove any other address beside the one shown above.

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 2017-01-23
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been out of work due to illness, however I was able to meet my monthly expenses, even though it was difficult, with help from family and finding little work here and there. I heard about the XXXX program and decided to apply last year XXXX through my mortgage company. I was asked to submit certain documents and I did so in a timely fashion, fearing that by the end of the year this program was not going to be available any more Initially I received calls from a service representative requesting additional information. That was submitted immediately. When I stop hearing from my mortgage company I called for updates. Every time I called, I was told that the case was at underwriting and that someone will return my call. This never happen, However I kept calling every week for an update, of which I got the same response. At XXXX of the calls I was told that there was an missing document. The representative checked the uploaded file and found that the documents were already there. they proceed to put a note on the file to inform underwriting that all documents were in. On XXXX XXXX, 2017 I received a call from the mortgage company looking for the payment. So I asked for an update. I was told that the case is closed because they did not received the information on time. I believe I was ignored. That my mortgage did not make an effort to help in my situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i have sent now twice the information regarding this account this morning i faxed to XXXX acct # XXXX XXXX ; this account is from idenity theft and i have had issues with this from somepone is this area for quite abit please remove this account asap i am sending the police report and id theft affidavit notarized again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a chapter XXXX bankruptcy but the court did figure my mortgage in the bankruptcy. I have paid it all along. XXXX sold my mortgage to a collection agency. There are errors on my escrow analysis and the way they are reporting to the credit bureau. Ditech refuses to talk to me because of the bankruptcy and will not let my attorney tell them they can talk to me. So how do we correct the errors?! They also waited a year to inform me of documents they had drawn up. It appears to me that they think they have no accountability.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Commonwealth Financial Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XXXX and most recently in XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a XXXX Credit card through Synchrony Bank in the middle of XXXX 2016. I was denied credit and later sent a letter dated XXXX/XXXX/2016 in which it reported i was denied because of " Bankrupcy Proceeding, credit Counseling or Creditor Settlement ''. It said its decision was based on information from XXXX. I contacted transunion and they report that Synchrony Bank did pull my credit BUT that there was none of the above information listed on my credit report that I was denied. I then call and talk to Sychrony Bank and they cant give me a reason for denial but then one agent reported that the credit bureau denied me which is false because that 's not how it works. No one including supervisors could tell me an accurate reason for being denied credit.

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 2023-09-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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:
This complaint was my follow up to XXXX and Equifax Credit Bureaus. As I am hopefully expecting that the XXXX and Equifax Bureaus to remove these fraudulent inquiries from my credit reports. And for that I am sending this complaint again to make certain that the you, the credit bureaus will remove these listed fraudulent inquiries : XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Customer service would not help and take care of the negative inquiries reported to my credit report. My employer provided me with a letter stating that someone had filed unemployment under my name and social security. At that time i checked my credit report and I seen a lot negative inquiries that I do not know anything about, and would like removed.

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 2015-08-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, I am filing a complaint against Chex-systems because I have been a victim of identity theft and I sent them my police report and got a response from them that i was clear of any negative information that was reporting due to the fraud. I tried to open up a savings account and was denied because there is XXXX accounts reporting negative on my file with XXXX XXXX XXXX and XXXX Bank. The dates on these accounts are right around the time that I sent my police report to Chex-systems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: ZARVAD III S.A.
State: RI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company claims I owe over {$700.00} and refuses to provide me with their address. They state they will only accept payment via XXXX. I have been contacted by collections @ mypaydayloan.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I saw an offer on Citi bank web site that if I open a new checking account by XXXX/XXXX/XXXX and deposit {$15000.00} within 30 days and keep it for 30 consecutive calendar days than I will earn {$400.00}. I called the bank on XXXX/XXXX/XXXX and opened over the phone a checking account and deposit the {$15000.00} on XXXX/XXXX/XXXX at the branch. It passed more than 4 months and they still did n't honor their promise to give me the bonus. I called numerous times and was told that money will be in my account after XXXX XXXX, XXXX ( after 120 days ). I opened a service request on XXXX XXXX, XXXX - Request # XXXX, then followed up on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I never got the money or any response from the bank. Since I followed all the requirements of the offer, I think it will be fraud on their part to keep telling me that I will receive the bonus after XXXX XXXX and use my money for more than 4 months and eventually not paying it and just ignoring my requests. If the issue will not be resolved I will file a complaint with Federal and State Attorney General 's offices.

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 2017-02-18
Company: CITIBANK, N.A.
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I returned several items to my local Home Depot on XX/XX/2016. The receipt I was given showed XXXX separate credits, apparently because I 'd used different cards for the purchases. However, although XXXX of the credits did appear on my Citibank Visa ( for {$160.00} ), the other XXXX credits ( for {$25.00} & {$39.00} ) were apparently credited to XXXX different prepaid Visa cards. The problem is that because the XXXX prepaid Visa cards had already expired at the time the credits were issued, there is no way at all for me to access the funds on the card. I did call both gift card issuers and they confirmed that there is no way for me to use those funds. I do n't really understand how Home Depot could have credited these XXXX amounts, {$39.00} and {$25.00} to EXPIRED prepaid cards. It seems like the expiration dates ought to have come up on their computers at the time they attempted to process the credit. I should have been offered the option of a store credit, which I could actually have used. As it stands I 'm out a total of {$64.00} with absolutely no way to recover those funds. The identifying info on the Home Depot receipt is as follows : At the top of the receipt : XXXX XX/XX/2016 XXXX PM Cashier XXXX : *ORIG Rec : XXXX XX/XX/2016 XXXX XXXX At the bottom of the receipt : XXXX VISA $ XXXX XXXX VISA XXXX XXXX VISA XXXX Thank you. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
Shortly after filing Case number : XXXX with the CFPB Citi closed my credit card account. Prior to this time that had cut off my online access and would not allow me online access to pay my bill or review my account. I now no longer have access to any of my card history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: CITIBANK, N.A.
State: AK
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I received XXXX prepaid citi debit cards as a gift from my employer. Unfortunately I misplaced the cards and did not find them until a week after they expired. I contacted the agents at XXXX who claim the funds have been " forfeited '' and can not be reissued. 

The URL is XXXX. It is a Visa debit card. According to the page at : XXXX it looks like I should be able to get reissued funds, however the agents claim it is not possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-26
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened checking account using promo code that I got in the mail. I opened checking account with citi and completed all the requirements from the promo to receive the XXXX thank you points. Please see included screenshots for the conversation and confirmation from Citi. Citibank does n't want to honor the bonus saying that I was n't targeted.

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 2015-12-29
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing statement

Complaint:
I received a Macy 's bill for a {$2.00} " Fees Charged '' on a zero balance. The previous month the account was paid as agreed way before the due date. However on the XXXX of this month when the billing statement was generated they assessed the fee on what Macy 's confirmed was a zero balance and removed the charge. This has happened before and they have removed it. They even have a recording where you can have it removed without even speaking to someone! I feel as though they are throwing these fees out in hopes that a certain percentage of people will just pay it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
I am a competent person with a lot of debt. I am trying to clean it up. I have ALOT of experience just logging onto the computer to see the interest charges and my APR. Sear makes it impossible for me to see any of this information. Based on the " ease of use '' and rather simple process of the other credit card companies I deal with, Sears hides this information -- There is no PDF way to download credit card statements. Rather it is some tab delimited or other inconvenient mode. This is deliberate. I have a 25 % variable interest rate -- But still to date can not see the charges that are a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Per an advertisement for an incentive of {$400.00} to open a new checking account in order to attract new customers, which is still going on on the Citi website, I applied for and was approved for a Citibank Account Package for account # XXXX. My initial deposit of {$15000.00} posted on XXXX XXXX, 2016. 

Per the terms for the incentive it stated that in order to qualify for the {$400.00} incentive I would need to open a new Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days, which I complied with. 

On XXXX XXXX, 2016, with {$15000.00} still in my account untouched, I sent an a message through my online account to confirm that I met the qualifications for receive the {$400.00} incentive. On XXXX XXXX, 2016 I received an email fro XXXX XXXX, Director of Client Research, that I had indeed met the necessary requirements and to allow 90 days from the qualifying translation to receive the {$400.00} incentive. 

The terms do state that the new checking account in The Citibank Account Package must be open and in good standing at the time the cash bonus is credited to the checking account. By XXXX XXXX, 2016, the {$400.00} incentive should have been applied to my checking account which I fully intended to comply with the terms and to keep the checking account open until then, and even longer in hopes for a good relationship with Citi. However, when I logged into my account on XXXX XXXX, 2016 I noticed my balance was {$0.00} and that the account had been closed. 

I called the customer service line where they stated they could not see a reason for the closure but that a check for the {$15000.00} had been mailed to me and to call the new account customer line on Tuesday with any other questions. I received no notification or information on why the account was closed. I found it odd that shortly after receiving a letter that my account was investigated and that I qualified for the incentive, my account was closed days later. This has left a bad taste in my mouth about how Citi runs their business and has me questioning if I would want to have any relationships with them in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief