BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-03
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I want to convert a portion of my CitiBank HELOC to a fixed rate loan in accordance with paragraph # XXXX of my original HELOC document dated XXXX XXXX, 2006. 
I am writing to you after spending many weeks communicating my request with CitiBank staff and supervisor representatives in far-flung parts of the world. I have had in-person office meetings with my local CitiBank Loan agents and CitiBank branch managers to discuss my desire for converting a portion of my current HELOC loan. On every occasion I am referred to another CitiBank employee ( phone # ) who either has no knowledge of the criteria used in calculating the rate I will be charged on the $ XXXX amount I wish to convert, OR, the representative contradicts another employee 's explanation of how the rate is derived. All employees refuse to document their statements or provide a written estimate of fees and interest rate charges for the converted loan amount. 

Paragraph # XXXX of my original HELOC document dated XXXX XXXX, 2006 reads : " ... The Annual Percentage Rate for each Converted Balance is fixed and will be determined by the value of an index. We will take the index in effect on the date the Converted Balance is established by us and add a margin. The index we will use is the Federal Reserve Statistical Release XXXX " Selected Interest Rates '' Interest Rate Swaps ( 7 Year ) .... '' My current margin is XXXX %, The current index value is 1.51 %

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 2021-12-21
Company: Professional Debt Mediation, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX and XX/XX/XXXX Professional Debt Meditation updated my credit files with inaccurate collection information. Professional Debt Meditation, are debt collectors attempting to collect a debt on behalf of XXXXXXXX XXXX XXXXXXXX. I have not received any services from Professional Debt Meditation, I am not a party to their agreement with XXXX XXXX XXXXXXXX, I have not agreed to pay/ tender anything to Professional Debt Meditation, I have not provided any releases of my living arrangements to Professional Debt Meditation, and I have no idea how Professional Debt Meditation received my private information. Upon researching this company ; Professional Debt Meditations website where they are requesting payments is not secure, Professional Debt Meditation does not list a point of contact, they have several different addresses reporting to the credit bureaus and multiple phone numbers. I have not received any documentation from Professional Debt Meditation to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection. As per the XXXX XXXX XXXX : Professional Debt Meditation continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. Professional Debt Meditation does not have my permission to contact me by phone. Mail only. My address has been provided on their validation notice CM # XXXX XXXX XXXX XXXX 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 2017-02-15
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX I learned that I had a medical collections debt for my minor child from XXXX XXXX XXXX that was sent to a collection agency XXXX. In XXXX XXXX, I settled the debt with XXXX which i I have a receipt. In XXXX XXXX, another company by the name of XXXX XXXX showed up on my report attempting to collect this same debt. I disputed this collection and I received a letter from XXXX XXXX dated XXXX XXXX, XXXX stating that the account was closed and returned to the original creditor. It was also removed from my report. XXXX XXXX, XXXX the debt appears again under Commonwealth Financial Systems. I am in the process of buying of a home and this negative account continually reappearing on my credit report is affecting my score and causing me XXXX. Not to mention that XXXX, the agency who I settled with, was the only one who contacted me. The others have not, they just showed up on my report. I am very aware of the HIPPA Law and I am almost certain that what this company is doing violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Select Management Resources, LLC
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is my work number and they are calling this and my personal cell more than 5 times in an 8 hour period I have received calls as early as XXXX and after XXXX. They have also called my son and sister repeatedly as well as my landlord.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2020-04-13
Company: Yamaha Motor Finance Corporation USA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom it may concern, I financed a Motorcycle at my Yamaha Dealer, the original loan was serviced through XXXX XXXX  Account No XXXX. In XXXX of 2020 I received a letter from Yamaha Financial Services they had taken over the loan from XXXX XXXX. On a letter dated XX/XX/2020 I received notice from Yamaha Financial Services showing my account Number had Changed to XXXX which is what I sent my next Payment to. The correct Account number should have been XXXX. Yamaha has lost a payment due to them sending me the wrong account number or they credited it to the wrong account number. After multiple calls, e-mails and letters, I keep getting delinquent payment notices from Yamaha. The refuse to acknowledge their error. I have attached paperwork showing no missed payments including bank statements. My latest Yamaha financial statement now shows 2 missed payments, it's like they're making this up to spite me. All I ever get for a response is they're researching it. 

Thank You XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is continuing to report my mortgage loan as being discharged in my chapter XXXX bankruptcy. The loan was modified and refinanced per the modification agreement. I sent a letter and the modification documents to all 3 credit reporting companies. They are stating that the information from XXXX XXXX is correct and continue to report my mortgage loan as discharged in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX at XXXX XXXX I received a text message from venemo with a login code to verify my identity. So I reported it to venemo because this was the 3rd time I had gotten this text within 2 weeks. I reported it changed my password and went to see my doctor and my card was declined, so I login and see my account is suspended for violation of PayPal terms. I've emailed venemo support on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've sent them everything they asked of me to verify who I am and my account tomorrow my XXXX check is to be deposited and they are refusing to let me into my own account. I have spoken with 8 different people at venmo never getting the same person twice. I need my money I am XXXX and need to see my doctor but I can't without money upfront. They are illegally holding my funds after I've done everything to show them I am the owner and I am the one who reported the possible fraud on my account. Why would they punish customers like they do instead of going after the IP ADDRESS of the one who tried to get into my account. My phone is logged in to it and it knows my phone what is the problem. I'm on the verge of XXXX I have XXXX XXXX and if they fail on me it will be venemos fault solely for refusing to release my money even after I explained to them I have a XXXX emergency. They need to train their staff better and set one person on an account or supervisor instead of 8 different people and none of them knew or understood anything that had previously been said or happened. I need my money now I am XXXX. They won't release my funds to be able to see my doctor we can't and have been instructed not to come into the hospitals or urgent cares with fever or the offices unless we call first and make arrangements to be seen because of covud I can't go places like that because I'm at risk and they are stopping me from being seen and my life is on the line

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently set up automatic payments to be deducted from my kohls charge card. On XX/XX/20 Kohls processed my automatic payment. My bill was XXXX they took my automatic payment out but then for some reason reversed the payment. I had no knowledge that my payment had been reversed. This caused my account to fall into delinquency without my knowledge. I only knew about it a month later because XXXX XXXX alerted me about a late payment. I called Kohls got my account up to date. They gave me back the late fee and told me this would not effect my credit. However it was reported that it was over 30 days late so now I have a negative remark on my credit report. When you set up automatic payments you are trusting that all your payments will be made on time. This was an error on Kohls behalf and should not reflect my credit score in anyway. I have been a valued customer and had a charge card for 9 years with them but now I don't feel so valued as they are not helping me to fix this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: Coastal Financial Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a missed call from phone number XXXX, when I called the number back a man answered saying " this is ( his name ). '' He would not identify himself further and started typing something. I asked if he represented a business of some sort and he would not answer. He did n't say anything else and told me to listen to my voicemail messages and call him back. When I listened to the messages there was only a man breathing into the phone. 
I called back asking if it was a joke, he got very aggressive in tone with me an would not answer who he worked for because he could n't find my phone number in his system. He then asked for my social security number and refused to identify themselves further. After prodding he finally told me he worked for " Coastal financial solutions '' an internet search reveals complaints that their employees are indeed aggressive and disrespectful, but they all seemed to identify themselves. 
I am concerned that someone is committing fraud as a false employee of the company looking for SSN 's or that I have an outstanding debt I am unaware of. I do not have any dings on my credit report so I am assuming the former. Please let me know if this was a legitimate phone number associated with your company or I 'll be reaching out to the FBI. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Netspend Corporation
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Using a debit or ATM card

Complaint:
I put {$100.00}. on my card, they took XXXX, left with XXXX, I order something for XXXX, when I checked my card I had XXXX left, Please explain

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Southwest Credit Systems, L.P.
State: MN
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 are trying to collect a debt that was paid in full to the original creditor ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-21
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerisave mortgage corp has been harassing us because of their clueless servicing department. They have threatened us that we do not have insurance ALTHOUGH it has never lapsed and have now illegally modified our mortgage from 14xx to 25xx. 
I'm sure its against federal law to do this! My insurance company is still the same, coverage never lapsed and their servicing dept is incompetent and do not read or have destroyed the proof of coverage sent to them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In and about the month of XXXX 2016, Ditech sent notice that the amount of mortgages ( and I have XXXX accounts with them ) would be different. Since I have automatic bill pay set up for these accounts, it required an adjustment that apparently missed the timing in some way. Or at least that may be what happened. For XXXX account, Ditech REJECTED the payment due to a change in account numbers that they initiated and of which they did not ( or at least I have no record thereof ) notify me. Therefore, the payments for the month of XXXX were " late '' ( or " rejected '' and then late ). I called to appeal a late fee that was put on only XXXX of the accounts ( the other was not penalized ) and was told my appeal would be submitted. Then the late payment and AN ADDITIONAL late payment appeared again for XXXX, suggesting the corrected XXXX payment was late as well. When I called about that, I was told that the XXXX ( XXXX late fee ) had been dismissed but that XXXX payment was " late. '' I inquired into how that was possible considering that I changed only account numbers on my automatic payment and that submission dates were the same as they had been for years. It was suggested to me via XXXX XXXX and the DItech staff member that the address the payments were being sent to ( and had been for YEARS ) was suddenly no longer the correct XXXX. Again, this is without any notification of a problem with this from Ditech 's end. I appealed again. Oh, and Ditech 's staff person at the time said the first late fee had been removed. Now receiving Ditech 's current statement, XXXX late fees still appear. I pay ALL bills on time ; I have never paid a cent of interest on a credit card because I pay those off every month ( indeed, I have the option with those banks for them to take the billed amount out of account if I somehow missed setting up that bill pay ). Ditech has not communicated well regarding the changes to the account : amount, numbers, and payment address. I believe all is now fixed ( after all of MY effort ) but I seriously object to them charging me any late fees for problems initiated on their end. Please assist me in dealing with them. Thank you.

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 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Our Bank of America ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA and removed the charges, and sent us a letter dated XX/XX/2016m that " the fraud investigation '' " had been completed and closed, '' but some XXXX months after the original charges the charge reappeared. BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not mine. I FAXed to BofA Fraud Claims " Reconsideration '' department today a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because I will not pay for unauthorized charges, never. 

Bank of America should remove the unauthorized charges from my Visa. I will not pay for any of them they are unauthorized and the burden of proof is on BofA to prove that they were authorized, which it has not done and they were not authorized.

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 2020-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has previously removed two items from XXXX that were listed on my credit report. They have now put them back on my credit report with new dates .... showing I paid them money. Which I DID NOT> they are attempting to put this debt back on my records again after the 10 year period. I contacted them via the credit agencies and again via telephone and again via a letter. They have refused to remove and have refused to adjust the dates they are showing which are incorrect and absolutely not right. 
There are 2 of these showing on my credit report again from them ... ... This is totally not fair .... 

Portfolio Recovery Associates  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number XXXX  XXXX Date Opened XX/XX/XXXX High Credit {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: CountryPlace Acceptance Corporation
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple Emails and Multiple calls from several people at this business. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX. I communicated my plan for payment. Stated I was doing the best I could do and that repeated contact would not change what I could do. Asked them to restrict their contact to ONE member of their staff and to use Email only ( as I can not receive calls during the day ) They have also called before XXXX and called after I 've asked them not to.

Company response to consumer: Closed with explanation