BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I applied online for a credit limit increase on my Citicards credit card on XXXX/XXXX/15. 
Before I clicked the submit button, my screen said you must click the box to acknowledge that a credit report would be pulled. I agreed to this. 
On XXXX/XXXX/15, I got an email that my credit limit increase request was declined. I put a posting on XXXX for a reconsideration of my credit limit increase request. An hour or so later on XXXX/XXXX/15 a member of the social media team called me regarding my denial. The gentlemen from the social media department said that in order for him to escalate my denial to another level, my credit report would have to be pulled AGAIN. I said, let me make sure I am hearing this correctly, the computer pulled my credit report not 24 hours ago, you confirmed this, yet you have to pull another credit report, he said yes. This act of having to pull ( XXXX ) reports in ( 24 ) hours is damaging to consumers credit and is not necessary or in the best interest of the consumer banking in the USA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking account with Bank of America and one day I called in because I was having trouble getting access to my online account. I called in to customer service and they explained that my account had been closed and were n't able to tell me why but just that they had the right to close it at any time if they wanted to. Now this is showing up on my credit report as financial loss because they are putting it as a charge off. This makes no sense because at the time of closing my account, which I now see on the XXXX report I just received is due to " suspected fraud activity '', I had money in there. They ended up sending me a check in the mail about a week or two after the fact because I had a balance they owed me from direct deposit going in from my paycheck. I am extremely angry because I do n't know why they would even put suspected fraud activity when there is no reason to assume that. I had a bad history of overdraft but always resolved it and had a paycheck being direct deposited into the account every two weeks on the dot so there was no question that it would n't get paid. In addition, it should n't state that I was charged off because there was no negative balance at the time of the account closure, it was POSITIVE, hence them sending me the credit from the balance that was left in my account at the time. This is now hindering my credit and ability to open new accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CitiMortgage did provide me with a written response but it had nothing to do with the majority of my re quests sent to them via Certified Mail. See attachment.     CitiMortgage only states that it is n't their policy to return the original note. Well, tough  XXXX . I am the SOLE OWNER and creator of that security and I want it back. I also want ALL of my requests answered.     I will proceed with recording a perfected security interest in CitiMortgage for the face value of my monetary instrument, plus costs, and plus damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In  XXXX  of   XXXX   I missed a payment with  XXXX  and I continued to make on time payments for every month after that but each month they reported me as late. I have spoken to them numerous times and they refuse to correct this error. Also during the month of  XXXX    XXXX   when I was having financial trouble I applied for loan assistance, called  XXXX  to help,  a Loan modificat ion, and asked to pay more each month to catch up. All was denied. Please remove these late payments from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: TRANSWORLD SYSTEMS INC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I graduated from XXXX XXXX in XXXX XXXX Illinois, for XXXX in 2012. After I graduated I began making payments to XXXX. The school did help me find a job, but the job was not for what I went to school for. I was working for a XXXX, instead of working in a XXXX. My monthly payments started affordable, and then went up to almost {$200.00} a month, where I would fall behind. When I did fall behind, they transfer my loan to another company called University Accounting Services, LLC. Where my monthly payments were still high to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with experian after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Person calls almost daily about an uncollected debt from Midland XXXX XXXX. I do not have any uncollected debts and I tell him that but he keeps calling anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Rewards

Complaint:
Hi, This is XXXX. I want file an complaint on American Express Credit Card. I received an offer regarding the spending offer for my XXXX ( R ) Business Card ( ending - XXXX ), and here is the offer term : 1 Limited Time Offer : To be eligible to earn the {$50.00} credit statement associated with this offer, you must be the named recipient of this invitation and you must use the Card specified on this invitation ( or an Additional or Employee Card under the Card specified on this invitation ) to make a qualifying purchase* of {$1000.00} or more between XX/XX/XXXX and XX/XX/XXXX ( " Offer Period '' ). Purchases may fall outside the Offer Period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). In addition, you will not receive the statement credit associated with this offer if American Express does not receive information that identifies your transaction as qualifying for the offer. For example, your transaction will not qualify if the merchant disaggregates or splits the {$1000.00} purchase into smaller transactions. Limit one offer per Card account. This offer may not be combined with any other special offer. The {$50.00} credit statement for this offer will be credited to the XXXX only. You will receive a maximum of a {$50.00} statement credit under this offer. The {$50.00} credit statement will be credited to your account within 6-8 weeks after the qualifying charge appears on your billing statement. 

I spent more than {$1000.00} from XX/XX/XXXX to XX/XX/XXXX, but I have n't received the {$50.00} bonus. I contacted Amex several times regarding this {$50.00} bonus. Every time Amex had a different reason. Even if the CSR said I met the requirement, but still I have n't received the {$50.00} bonus. 
Would some one please help me on this? I do think Amex should be serious to his customers!! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: GVA Holdings, LLC
State: PA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I called cash fairy loans saying I needed payment lower because hours were cut back at work. They would n't do that. Said loan was based on my income. So I called to get address for them so I can send letter asking not to deduct next payment and I would mail payments. Would n't do that either said I had to get prepaid card and call with information. So I called XXXX bank and stopped authorization of payment but they said they may try to take out under different name. Said I may have to close my account to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I went to pay my Amex. It showed I only owed a small amount. However the amount of the bill was over XXXX. I paid the total which over XXXX. I then went and looked at the upcoming closing bill, and realized there were over XXXX in credits on the bill that yet to close. I immediately realized it was applying the credits to the already closed bill. I went in and hit " cancel payment ' for the XXXX. And then paid the minimum of XXXX some odd dollars. The reason being is that if I had not done that, Amex system will automatically take that overage of XXXX and apply to s pay over time portion of my card, shock I did NOT want or authorize. 

The cancel showed in the screen with XXXX pending processing. This was within 20 minutes of the initial transaction. I then receive XXXX emails hours later saying XXXX PAYMENTS were processed. This is unacceptable for XXXX. I then decided to wait a few days to let the next statement close and call if needed. I called and the representative basically said too bad. This is unethical as I as the cardholder and customer should have the right to determine where my payment/money is applied as long as any minimums are met. It should not be up to a system and as well system errors. 

I asked for a supervisor ( and had to fight to get XXXX ). 

A supervisor came on and edit idly told me the same. I pointed out it was obvious what I had done as why would I pay XXXX and then XXXX.? She argued but in the end found a way to put a XXXX charge from my current stating to the pay over time to help even things out. I accepted this as a temporary measure. But am not satisfied as now that sticks with interest and XXXX higher balance on the pay over time portion. 

This is unethical and should be illegal for a card network to force you to allow their erroneous payment system to make decisions for me as a consumer. This is my money and I did NOT AUTHORIZE the application of funds to the pay over time, and the Amex 'cancel ' payment option did not work. ( Even though it showed as cancelled and then disappeared ). 

This is an injustice and I was n't treated well during the process. The Amex system has issues, thus happened in the past and the XXXX was x led to reapply the funds and were apologetic. I feel swindled and find this on the verge of being illegal. I am losing money by the XXXX charge being put into the pay over time. I had planned to use the credits within the bill they appeared in as this keeps my expense tracking ckean, and should be my prerogative. I am greatly angry at the unethical practice of Amex and refusal to address glitches in your system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I applied and was approved for a {$40000.00} vehicle loan and PenFed completely mishandled my account to the point of my suspecting intentional manipulation. Pentagon had my {$40000.00} loan approved for application # XXXX. I corresponded with one of PenFed 's agents on the phone and he informed me that all I needed to do was submit my purchase order via fax and my loan for {$40000.00} would be approved. I thought the extra {$700.00} was odd, but I suspected it had to do with filing fees, etc. It turns out that they denied my loan the next day because the original loan amount was {$40000.00} and I increased the amount by {$700.00}. This was ridiculous for XXXX XXXX XXXX denying my loan for the additional {$700.00} on a total initial loan amount of {$40000.00} is absurd 2. A PENFED AGENT recommended the new loan amount and thus intentionally manipulated the situation into a denial. The other agents-Dylan ID # XXXX and XXXX ID # XXXX were completely incompetent while handling my situation. I now do not have the financing I need to purchase my vehicle and may lose the deposit.

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 2016-03-07
Company: The Affiliated Group, Inc
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 discharged in bankruptcy

Complaint:
This collection company was contracted by XXXX XXXX to continue collecting and listing the 'debt ' on my credit report although I have underwent the process of shameful bankruptcy. The Federal court has already discharged my debts but this company still listed the collection on my credit report. I saw this in my Experian report and I am sure it is the same for the other XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Asked for a loan modification from greentree servicing.Was denied the modification because I got a loanfrom XXXX at a 10.5 percent was told we would be able to refi in 5 yrs. This company XXXX XXXX and XXXX XXXX are all owned by XXXX XXXX. I would advise anyonethinking of dealing with any of these companies to run and run fast the other way. They are nothingbut predatory lenders. I pay more for 120,000 dollar house than my friends do for a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After finding additional information, I 'd like to revise my earlier complaints ( XXXX and XXXX ). Green Tree 's reporting of incorrect information on my current credit reports at all XXXX agencies is worse than I thought. On my current credit report, they have incorrectly reported the date of last activity and the account closed date. Those listed on the attached XXXX report from 2010 provide the correct dates. I believe Green Tree is willingly and knowingly reporting incorrect information to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Virtually every month in 2016 has been a disaster from Ditech Financial for my home loan payments. 
XX/XX/2016 - No bill was issued from Ditech Financial to me, so I got for a late payment charge ( XXXX {$100.00} ). 
XX/XX/2016 - No bill was issued from Ditech Financial to me, so I got another late payment charge ( XXXX {$100.00} ). 
XX/XX/2016 - I filed a complaint with the XXXX to petition the late charges and was denied a refund by Ditech Financial. 
XX/XX/2016 - Bill was issued from Ditech and paid by me, and I got another for a late payment charge ( XXXX {$100.00} ). When I called them, they said that they were changing Billing Companies/Procedures and that the ate charge would be reversed. 
XX/XX/2016 - This month I got XXXX different bills, finally paying the last one. 
XX/XX/2016 - Bill was issued from Ditech and paid by me, and I got another for a late payment charge ( XXXX {$100.00} ). When I called ( twice ) asking about the late charge, they said that my payment had been incorrectly credited to my Escrow Account, and that the payment would be corrected and late charges reversed.

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 2016-06-21
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender, Ditech, failed to pay {$1300.00} in real estate taxes due the City of XXXX Virginia on XXXX XXXX, 2016 and my tax account is now considered delinquent. The balance in my escrow account is more than sufficient at {$2200.00}. I have called, messaged and sent a certified letter to the address listed for " Error Notice '' to no avail. It seems like this action must be in violation of a regulation but I have n't been able to determine what that is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: ENCORE CAPITAL GROUP 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:
MCM ( Midland Credit Management ) received a settlement for account XXXX on XX/XX/XXXX. I was advised at the time it would be completely removed from my credit on XX/XX/XXXX. 

As of XX/XX/XXXX, it remains on my credit. I spoke with the bureaus on XX/XX/XXXX and they have not received a request for deletion at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sirs I have been trying for several years to process a short sale. I have spoken to several different representatives from several different mortgage companies. We have been unsuccessful in processing the short sale. We are trying to avoid foreclosure but the customer service representatives are either non-responsive, names change, there is no follow-up, documentation has been sent several times but the mortgage company is unable to locate the documentation. Recently we submitted a viable short sale contract and our realtor was treated very poorly by loss mitigation personnel XXXX XXXX of Ditech, when she followed up and was trying to find out the status of our loan which is what prompted me to submit this claim.

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 2015-06-15
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am being forced to have force placed home owner insurance by green tree servicing LLC , for the past several moths .when my wife and I have along with my insurance company have proven and had them acknowledge the fact that we have had it ever since we open the loan seven years ago. Due to there forced insurance my monthly mortgage is$XXXX .without their insurance my mortgage would be $XXXX a month.that $XXXX. Difference could be used else where.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Ditech Financial LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This is my third time contacting the CFPB about Green Tree AKA Ditech LLC. This company has engaged in negligence and deception in regards to a questionable debt that their representatives have mislead me to believe to be an unpaid car loan and then a home mortgage. This form of deception is an infringement on my rights under the XXXX Debts collection act of California, and constitutes a reprimand towards the company involved in this form of consumer abuse. I received a response from Ditech LLC stating that they would take this unspecified debt off my credit report in writing, but they have lied again. The debt is still on my credit report, and they have attached unconscionable interest on this loan as well, knocking down my credit score. Ditech LLC has misrepresented themselves in stating that they were Green Tree, but now they are stating that they are not Green Tree. This can no longer continue. Deceptive business practices can never be tolerated!

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 2017-02-22
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was contacted by Ditech mortgage company stating I had not paid my property taxes. I contacted them and told them the taxes were already paid. They then told me, I needed to contact the tax office and request they send them back their money. They also told me that they were changing my mortgage payment adding in escrow to the loan. I have had this loan for 18 years and have always paid my insurance and taxes. I have made several calls to them to resolve this issue to no avail. The original mortgage company, XXXX XXXX did something similar with insurance they stated I did not pay and I fought with them for several years before giving in because they were charging late fees, even though I had paid the insurance. Now they have changed their name and doing it over again, I feel they are extorting money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Ray Klein, Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I paid off the Ray Klein on my credit report. I have contacted them many times asking for physical proof of satisfaction as well it to be reported as paid on my credit report. It has been months and they are saying they will do whatever i ask but refuse to give a timeline. it has been almost two months with no action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed