BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear Staff, Greetings and thank you for your service. This transmission is to report that the original complaint # XXXX was not resolved. The issue and problems from the original complaint is way beyond the {$22.00} late fee indicated. To recap, in the fall of XXXX, Ditech Corp. indicated there was a {$900.00} shortage in the escrow account connected to my mortgage. This caused an increase in the mortgage payments from {$1000.00} to the tune of {$1100.00}. Ditech Corp. paid {$4900.00} in property taxes to the municipality erroneously, when the correct amount was under {$3300.00}. Subsequent communications with the company, by phone and in writing revealed that the company was not applying entire mortgage payments to the account ; between {$790.00} and {$930.00} was, and is, still being held in abeyance by the company. The company continues to send me default notices and invoices demanding amounts of {$250.00} and over {$2000.00}. The most recent communication from the company is a new escrow statement dated XXXX/XXXX/XXXX demanding more money due to a shortage in the escrow account of over {$900.00}. The new monthly payment is projected to be {$1100.00}. Please note, no mortgage payments have ever been missed. All payments have been made in accordance with the terms of my grant from the State of Michigan Step Forward program. I do n't owe any extra money. My property taxes, nor hazard insurance, has increased. The original error from the winter was never corrected. My monthly mortgage payments are still being split between payments. Invoices issued by Ditech to me indicate I 've missed two monthly mortgage payments when this is not true. Unsolicited loan modification papers and threatening letters continue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to dispute a billing error in the amount of {$800.00} assessed on my previous loan # XXXX serviced by Citimortgage. My previous mortgage servicer CitiMortgage mistakenly foreclosed on my home in XX/XX/XXXX. Due to this mistake, the foreclosure was rescinded and Citimortgage waived all the Fees ( Letter attached. ) However shortly after, Citimortgage inaccurately charged an {$800.00} fee to my loan on XX/XX/XXXX ( Citimortgage Expense history attached ). This was inaccurately charged to my loan as citimortgage previously waived all the fees due to their error. I have previously asked citimortgage to remove this inaccurate charge, however they have not removed it and citimortgage has not provided me any evidence ( Break down of charges equal to {$800.00}, detailed description of services rendered for each fee, date of services rendered for each fee, amount of each fee and copies of original invoices for each fee which adds up to the {$800.00} ) confirming that this  charge was accurately assessed. Due to this inaccurate {$800.00} fee charged by Citimortgage which was in direct correlation with the mistaken foreclosure in XXXX which citimortgage has waived all fees, I am requesting citimortgage refund me the {$800.00} which they had charged my new servicer ( XXXX XXXX history attached ) when the loan service transferred to XXXX XXXX loan # XXXX. Please have Citimortgage refund the {$800.00} to me so that I can refund the {$800.00} to my new servicer to correct the inaccurate charge.

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 2022-05-04
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX, I signed for a certified letter from Credit Management , Inc. In XXXX, I ended up paying off my debt through the doctor 's office. I recently received a letter letting me know that this collector is now garnishing my wages. I tried to work with the company, but they were unwilling to work with me. Garnishing my wages is going to cause me to lose my house. They have not reached out to me in over four years. They said they didn't have a good number or address for me. They were able to get my address from the court, and my phone number is online. They didn't try too hard to get in touch with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX : Acct # XXXX {$1200.00} Experian : Acct # XXXX {$1200.00} XXXX XXXX Acct # # # # # # XXXX {$1200.00} XXXX  XXXX XXXX XXXX XXXX Acct # # # # # # # XXXX {$370.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2017-12-06
Company: Focus Holding Company
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: Information belongs to someone else

Complaint:
I have attached a letter for the following Collection Account Companies.  Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: MI
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:
XXXX has reclassified several paid accounts with XXXX balances as charge offs after being paid with by a student loan consolidation years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Global Payments Check Services, Inc.
State: AL
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:
XXXX credit reporting is reporting erroneous information after disputing them, they will not remove an closed account that's paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: I.C. System, Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX  I have asked the company I C CREDIT SYSTEM to verify the medical collection on my XXXX credit report by providing a breakdown of fees including and and all collections costs and medical charges and provide a copy of my signature with the provider of service to release my medical information. I asked if a failure of a response in 30 days under the FDCPA and HIPPA collection laws all collection should be deleted. With dates posted above I filed disputes and it has been well over 30 days and have not been notified of investigation or results.

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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was checking my credit report and these accounts still on.. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
The following late payments are billing errors pursuant to 15 USC 1666b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: VA
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:
Equifax refuses to remove from credit report after being sent documentation on XX/XX/XXXX from company and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Selene Finance now bought my mortgage. It was transferred XXXX. 
They started sending me overdue payment letters immediately. I called and told them I was on a Covid 19 Forbearance program until XXXX. 

On XXXX I spoke to XXXX and was told they did not have that information. I had to contact the old mortgage co and have a letter sent to verify. 

I did that and sent it to their email address on XXXX and XXXX. They verified receit of the letter on XXXX. 

A letter dated XXXX which I received 2 weeks later stated they updated the forbearance thru XXXX. 

Today on XXXX I called to move forward and verify they updated my account and this is what happened. This is what I learned today. 
They sent a forclosure letter dated XXXX that I must pay all payments from XXXX thru today by XXXX total {$32000.00}. I thought that must be wrong and would not have any bearing since they finally updated the forbearance thru XXXX. 

Total time on the phone with Selene Finance was from XXXX thru XXXX. 

1. XXXX she understood that they did not have forbearance information for the prior months and was going to have her supervisor help to fix the situation. She went back and forth on the phone with me for over 1.5 hours while they were working on it. Then my call was put back into the Que to wait for another operator. 
2.XXXX- I told her the above and I would like to talk to a supervisor then she disconnected me. 
3.Called customer service again and on hold for 20 min and disconnected from customer service line. 
4.XXXX- Told her everything and she was going to look into it and then again disconnected. 

XXXX figured out the covid 19 forbearance info was not updated correctly. I have been on it for several months. There are no months in default for payment. I was on the forbearence the entire time payments were not made for the mortgage. 

This needs to be corrected. All information they requested was given and you would think the information was provided by the original mortgage too. XXXX XXXX XXXX XXXX XXXX Selene Finance has been billing me for months which is against the Covid 19 forbearance and now have me listed for a forclosure if all money is not paid by XXXX. 

This is all illegal. 

I have not received 1 accurate letter from Selene Finance. 

They also sent a letter stating I applied for a Loss Modification. That is fraudulent I did not fill out any paperwork they needed to first fix that I was approved for the Forebearance thru XXXX. 

Please help with this situation. I am unable to get any help from the customer service line. 

I was on a Covid 19 forbearance. All forebearnce information needs to be updated onto their records. This illegal default must ceese and is against all Covid 19 Forbearance rules. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
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:
After reviewing my credit report, I sent a letter to Experian in XX/XX/XXXX asking for accounts showing on my credit report for XXXX XXXX XXXX to be validated. I received a response from Experian online dated XX/XX/XXXX stating that the company that reported the information has certified to Experian that the information is accurate. I received another response online dated XX/XX/XXXX stating an account for XXXX XXXX XXXX was updated. 

I sent a follow up letter to Experian on XX/XX/XXXX requesting to receive an original contract bearing my written signature showing that I am responsible for the alleged debts reporting on my credit report from XXXX XXXX XXXX. 

I received an online response dated XX/XX/XXXX stating the accounts with XXXX XXXX XXXX was updated, not changed, and the company that reported the information has certified to Experian that the information is accurate. 

There were no contracts or signatures for the alleged debts at all. Simply stating an account is verified or accurate without providing a written signature does not validate the debts and anybody can send a letter or say its mine. According to the FCRA, Experian has violated my rights as a consumer and I am requesting legal action to remove these accounts immediately.

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 2020-01-02
Company: EQUIFAX, INC.
State: TX
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:
There are medical bills on my account that I have no knowledge of. I filled identify theft and sent the paperwork in. Equifax keep verifying information thats incorrect. 

XXXX XXXX XXXX- {$1200.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$130.00} I have been disputing these accounts and they keep coming back verified. I request information they use to verify the accounts and I never receive anything. They arent protecting my credit file from fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The status of this account is incorrect. It says it open when it is closed. When XXXX XXXX XXXX charged my account, they decide to cancel the debt completely. When this happens, I'm no longer have a responsibility to pay the debt. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. To conclude the company validated this account. I ask for a physical signature and social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX XXXX never late XXXX   XXXX not mine COLLECTIONS 01 XXXX XXXX   XXXX  XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} not mine 07 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} not mine 08 XXXX XXXX A XXXX {$580.00} not mine 11 XXXX XXXX {$180.00} not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2021-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/21 I called Capital One credit card customer service to request a waiver on the past due fees billed on XX/XX/21. 
I asked them if they could credit one-time the {$29.00} for past due fees billed. I missed the payment on XX/XX/21. 

I spoke to a representative and she told me that the system did not allow her to credit the {$29.00}. I asked for a supervisor and he told me the same thing. The system did not allow him to credit it. 

I have checked my statements for the past 15 months and I have not missed a payment and not billed a past due fee. 

I understand the companies can issue a one-time credit for the late fees. 

What I don't understand is that they couldn't explain why they couldn't credit the late fee. They just kept telling me the system would not allow them. There has to be a better explanation such as I was granted a waiver before. 

I would like for Capital One to credit the late fees and provide a comprehensive explanation as to why they denied me the credit when I called. The system did not allow them is an excuse which a company should not be allowed to give to their customers. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have received 28 calls from callers identifying as American Express from XX/XX/XXXX-XX/XX/XXXX. The 28 calls are from 12 different numbers with CIDs " American Express '' and AMERICANEXPRES '' as well as " Private Caller '' and " Out of area ''. 

Only one of theses calls actually left a recorded message ; CID " TOLL FREE CALL '' XXXX on XX/XX/2018 at XXXX ; " This is American Express ..., this is not a telemarketing, ... talk to you about an important matter, call back on XXXX, M-F XXXX, Sat XXXX, Sun XXXX ''. Never any mention of who was being called or what the important matter was. 

I am not an American Express cardholder so I called the official website Customer Service number at XXXX on seven ( 7 ) different times ; XX/XX/2018 ( talked to XXXX in XXXX ),  XX/XX/2018 ( talked to XXXX and XXXX in XXXX XXXX ), XX/XX/2018 ( talked to XXXX in XXXX and XXXX in XXXX on the " Credit Team '' ), XX/XX/2018 again ( talked to XXXX and XXXX in XXXX ), XX/XX/2018 ( talked to XXXX in XXXX FL ), XX/XX/2018 ( talked to XXXX in XXXX ), and XX/XX/2018 ( talked to XXXX and XXXX in Security/ID Fraud in XXXX ). 
Each time the Customer Service Rep assured me that ( 1 ) I was not an American Express cardholder ( no active card ), ( 2 ) no one was attempting to open a card in my name, and ( 3 ) there were no late or delinquent payments notices. 

I requested that since I was not an American Express cardholder they should remove my number from any lists in American Express, marketing or otherwise. That request has not been granted. 

We are all warned ( even from the Federal Government ) not to answer calls if we do not know who they are from and/or not to give out personal information to strangers calling ( possible scammers or crooks ). We are instructed to call the number on the back of the card. However, if we don't have a card then the only legitimate number is one listed for Customer Service on the company website. That is what I did but have not received a satisfactory resolution to my complaint from American Express. 

More details included with attachment to this complaint.

Company response to consumer: Closed with explanation