BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am extremely frustrated with Ditech. We have been faithful on our home mortgage for over 10 years now. We have never been late. Ditech has misplaced our payments causing me to go through grueling straints to prove we paid the amount and for them to find the payment. They have ceaced applying my monthly payments to our account and are repeatidly sending me loss mitigation paperwork. But, I have never been late on our payment. At current it shows I am almost {$9000.00} in the hole, yet when I contact them they state they have received my payments every month! They are not applying the payments to my account though. I contact our " account representative '' only to have to leave a message that is never returned. I am forced to make phone calls to them on a monthly, if not more frequent, basis. I am afraid my excellent credit score is being damaged by their mishandeling. I am past frustration and feel stuck. I do not know what to do and they ca n't seem to get their business straight.

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 2016-10-05
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted proof of insurance for this expense and the party received payment. I disputed this collection attempt with XXXX and it was removed from my credit report. It has now been added again. Please remove this, as the debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2016-02-05
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I have been trying to contact this company for the longest with trying to resolve this issue. They would never answer the phones ; I have also sent them plenty of letters at address XXXX XXXX XXXX XXXX, XXXX, PA XXXX and I also have been calling telephone number ( XXXX ) XXXX. When they first begin to call me I use to get people yelling through the phone telling me that my credit will stay bad if I do n't settle with them now. I would get calls back to back to back but now the phones call have stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ability Recover Services, LLC has repeatedly reported to the XXXX credit bureaus that I owe a debt that was paid to the original creditor by insurance. I have called them 4 times to resolve the issue and after they stated they would remove the debt from my bureaus, it has now reappeared on XXXX. When I call them to ask them why, they tell me that I " probably '' still owe the amount even though they have sent me an invoice that shows it was paid by insurance to the original creditor. The original creditor submitted an invoice to me that shows that it was paid as well as their payment company, XXXX. My last communication with Ability Recovery Services was today XX/XX/2016, over the phone where the Manager stated to me that I needed to speak to the person who is handling the account who is under here and that she believes that I still owe the money even though there are " paid '' invoices on file. When I tried to explain to her that I had received an invoice from the original creditor as them showing that there was a XXXX balance, she put me on hold for over 20 minutes. I have sent this company a request for validation of the debt pursuant to the Fair Debt Collections Practices Act 15 USC 1692g SEC. 809 ( b ) by USPS mail with signature required delivery but they have not responded to that request. They have only sent a generic letter or verification which ironically had the invoice that shows the debt was paid. On XX/XX/2016 their representative XXXX stated that the error would be removed from my credit reports and that it would not be put back on them. On XX/XX/2016 I received a notice from XXXX that the debt was placed back on my report by Ability Recover Services LLC. To date, they have continued to tell me that I need to contact the credit bureau 's and dispute with them and the credit bureaus tell me that I need to call the company that is reporting the negative file to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently found out that regions bank place an overdraft fees of {$110.00} on XXXX, I called them today to send me my last statement as I never wrote a check or cause any overdraft fee, I closed my account with this bank, but instead of them closing my account they kept it open and then charged me two overdraft fees because I did not have the amount to maintain this account, and to know this is a wicked bank, I was never aware of this until last week when I went to open an account I found out that region falsely my account and place {$110.00} overdraft on my account, not {$1000.00}, not {$5000.00} but a fees that they imposed on me after I requested them to close my account

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 2020-12-19
Company: Dynamic Recovery Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 {$120.00} Also another amount of {$1700.00} company name : Dynamic Recovery Solutions The fraud being reported on my credit report FDCPA Section 807 Violation misleading false reporting this account is inaccurate and I'm seeking litigation. please delete it at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: EOS Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from EOS CCA in regards to a delinq tax bill. I answered and no one said anything, when i returned the call on XXXX at approx XXXX I spoke with XXXX. i was a little skeptical per not receiving anything notifying me of the debt that has been owed for XXXX years and when returned call she answered as though she had called me after finishing her conversation ( I 'm guessing with another rep ) she was very sarcastic and condescending. I agreed to pay after verifying was a legitimate company and asking numerous questions. I specifically asked more than once if payment can be post dated on a debit card and that the payment was set for the XXXX of XXXX she kept saying that is correct. ( The call really needs to be reviewed ) I instantly received notification that the funds had been debited immediately. I obviously returned the call and spoke with a supervisor that advised I would need to send in proof payment was made after he verified the debit payment was made and was noted in the system was supposed to be debited out on XXXX ... needless to say I was very upset by this he stated he would contact the MO dept to verify and contact me back. I have yet to receive a response and know my rights have been violated per the FDCPA b/c I did NOT authorize the payment to be debited from my acct on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First I do not owe this debt. 
Second I received a letter stating that AFNI would call the debt paid in full if I paid XXXX % of the debt Third, I received a letter that the XXXX % was received but now I still owe the other XXXX % this is a clear violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collections from AFNI, Inc. showed up on my XXXX credit report this morning dropping my score XXXX points. I am currently in the process of buying a house and this will cause delays as well as other issues. I called AFNI and they could not tell me what this debt was for other than I had paid off a collections to them in 2013. I was then told a supervisor would be in contact with me shortly to address this issue. No contact as of yet ... .. I feel as though I may need an attorney as this seems to be a reoccurring issue with this company..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have made several complaints, about XXXX XXXX XXXX and their deceptive business practices. After, numberous complaints. I have made through your services about XXXX XXXX XXXX. Examples are as followed : A class-action 3rd Party suit, Identify Theft through using XXXX email DSL service, and underground wiring that XXXX XXXX XXXX refuse to spend the money to fix. I am still receiving from XXXX XXXX XXXX attempts, to collect a debt from their 3rd party collection agencies that they continue to submit. I have done everything, in good faith, to attempt to resolve this issue with XXXX & XXXX They have continued to be deceptive about the active lines, that were present in my home. Where XXXX of the lines, was a business line and years ago, I use to trade on that line. It was disconnected, but still active, in my home. The phone number was recycled to a XXXX restaurant, but still active in my home under that same number. The personal line, was just disconnected recently, after having the number for almost twenty years. Upon XXXX disconnecting the number, I was receiving messages that I can no longer make international calls. I have never made any international calls. These, international calls, are connected to the underground 100 year old copper wiring, that have never been repaired. Also, even after explaining, to " my '' local Board of Supervisor 's, that the green boxes on the corner -controls not only, the timing of the crossing signals, but also, the under ground-wiring to homes that were built in the XXXX 's. It, would cost XXXX XXXX XXXX, more money and it would not be a Quick Fix for it to be repaired. I am tried of being Impacted by XXXX XXXX XXXX, ineffective infrastructure issues, and what ever it takes to fix this issue for not just me but those that are attempting to use this service when the underground wires are on my property. I have also included the pictures in a XXXX Blog!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I 'm not sure what this debt is I know it 's from XXXX XXXX XXXX I had a cellphone with them. I 'm not sure what this debit is for and why it is collections and the first place and it has been in collection for 3 years I do n't think the amount is correct or Accurate. I think I am being over charged for aw service I never used I want proof and how it is this amount. Where is my signature at? Did I agree to this where the terms and fees accepted and explained to me correctly because I do n't think they were and I think I 'm being over charged for a service I never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: U.S. BANCORP
State: KY
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:
I had a credit card account with Elan Financial Services. I got behind on this account, and Elan closed the account in XX/XX/2017. I later paid off the balance in full. However, Elan has kept the phrase " {$1400.00} written off '' as part of the Current Status. This is very misleading since I paid it off years ago. I have disputed this with Elan multiple times, and they will not change it. From a credit reporting perspective, it essentially did me no good to pay off the account.

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 2016-01-19
Company: AFNI INC.
State: GA
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:
XXXX equipment was returned prior to my being contacted by collector. Collector was informed that I had received a confirmation of equipment having been returned, whereupon he hung up on me. Meanwhile satellite provider began to bill me for service that was cancelled several months before. My new satellite provider had disconnected the equipment that was returned when my old service was discontinued. But, old provider did not send the boxes for return of their equipment for several months! XXXX was paid for all service I was provided and nothing is due to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: AFNI INC.
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 discharged in bankruptcy

Complaint:
XXXX was placed in my bankruptcy but it continuing to show as a debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Regions Bank has charged me {$140.00} in overdraft fees on my checking account despite the fact that I only went over {$3.00} and I had {$900.00} in my savings account at the time! I 've been banking with Regions for 15 years, but I 'll be closing all of my accounts within the next week. It should not be legal for them to do this to people.

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 2017-01-24
Company: NATIONWIDE ACCEPTANCE LLC
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My finance compny calls, e from multiple numbers at least 8 times per day. I have told them my situation and they threaten that the calls will not stop. I am only 30 days behind. They are rude and crass. They threaten me constantly with legal action after I tell them I do not have any money to make the payment. I then get several more calls on the same day even when I tell them when I will have a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: BANK OF THE WEST
State: CA
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:
My bank issued an overdraft statement from my checking account at Bank of the West in 2011. I called the Bank of the West and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the XXXX and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the XXXX XXXX XXXX under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 saw my Transunion credit report and saw multiple credit inquiries that I did not Authorize. I contacted Transunion and they are not deleting those inquiries. 
Also I have reached out to them in the past to advise them that my name listed on my credit file has no Middle initial.

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 2020-04-17
Company: FORD MOTOR CREDIT CO.
State: NC
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 WHOM IT MAY CONCERN ; THIS LETTER IS A FORMAL COMPLAINT THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION. 

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF ORIGINALLY SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 


DUE TO THE COVID-19 THE CREDITOR STATES ON THEIR WEBSITE THAT FORD CREDIT IS OFFERING PAYMENT PLANS PUTTING PAYMENTS ON THE BACKEND OF THE TERM LOAN UNTIL THE COVID PERMITS NON ESSENTIAL WORKERS TO RESUME WORKING I HAVE DOCUMENTATION & TO PROVE SO RESPECTFULLY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Grande Financial, Inc
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/2015This home purchase started in XXXX 2015. The Broker is Grande Financial. The first company that was used was XXXX XXXX XXXX , XXXX ( Never received a denial letter at all ) Application date XX/XX/2015- NO GOOD FAITH OR BOOKLET GIVEN OR MAILED. At that time paid {$440.00} for the appraisal The file was switched to FHA with XXXX XXXX XXXX , XXXX . This is when he had to pay additional {$200.00} for an FHA Appraisal. The lender was concerned because of the Identity of Interest. Once it was verified that the file was not Identity of Interest, the clients were told in an email, that the underwriter does n't the fact that family is selling to family, so therefore they need to put down XXXX % - Never received a denial letter or any paperwork showing the switch to FHA ( no good faith or Truth in lending ) On XXXX XXXX, 2015 they received new paperwork for a FHA Mortgage, through XXXX XXXX XXXX XXXX No Good Faith or Booklet was given. 
Then XXXX XXXX the email states that the underwriter did n't like the relationship, so therefore they have canceled the FHA case number and said that since the previous underwriter put notes into the FHA connection, no FHA mortgage can be done now-Still no denial letter. 
On XXXX XXXX, 2015, they received a Good Faith only, not sure why. 
On XXXX XXXX, 2015 the file was switched again to a Conventional mortgage-No Good Faith, Truth in lending or Booklet was given. When we started this process our credit scores were : XXXX and XXXX. XXXX 's scores XXXX,XXXX and XXXX. Now they are below XXXX. 
Even after receiving several copies of the appraisal, the seller was asked to put in writing that the home was not a depressed property, and verify that the Bank has not taken the house. The XXXX has also asked for a copy of the seller 's credit report. The seller has moved out of town for a new job and can not sell her home in XXXX because the Brokers and Lenders are not trying to close this deal. The sellers have been staying in a Hotel paying {$100.00} a day waiting for the closing. 
I am including several emails that the Brooker has sent to the client as well as their seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the second tax cycle since purchasing the house in XXXX 2015, Seneca has failed to fully pay the taxes owed to the XXXX of XXXX XXXX. Please see CFPB Case number : XXXX for additional background. 

In the last cycle, though I contacted them frequently, six months elapsed and the Town threatened to put a lien on the house, sell it, and garnish our wages, in addition to other options. Seneca is now repeating this behavior. I have been calling them since XX/XX/XXXX and have re-provided all types of documentation to help them with their research. But each time I call all I get is a response saying they are still researching. I even provided the name of a contact in the Town 's tax department who would walk them through everything and they failed to contact him for a month. 

I request your assistance in bringing timely resolution to this matter. I am happy to provide additional information, such as account numbers and tax bills, at your request.

Company response to consumer: Closed with explanation