BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Continental Finance Company, LLC
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a credit card in my name and ssn I have spoken with XXXX XXXX and they say the card was opened with a New Jersey address and we live in Louisiana the card is with Celtic bank/continental finance it was opened XXXX/XXXX/21

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 2019-10-20
Company: General Motors Financial Company, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is ianccurate because the late remarks, there is no late remark in XXXX then why is there in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute on XXXX for hotel charges that were made in violation of the cancellation policy that I was provided at the time I booked the room. I was told to file this dispute by XXXX because they were unable to get the hotel that I made this reservation with to refund the money they charged when I didn't actually stay in the hotel. I was held to the policy that was only provided to people who booked directly on that particular hotel 's website, but even under that policy I should have gotten most of my money back. Per that policy I was supposed to get a refund for the nights that they were able to rebook the room, I checked to see if the room was available after I checked out and it said it was sold out. I provided a lot of evidence, including all the emails and screen shots that I took showing both policies and the fact that the room was rebooked. Simple did not appear to review the information I provided and instead went by what the hotel told them. They did refund {$110.00}, which they say was for two nights, but they still owe me {$700.00} per their cancellation policy. I just want simple to review my documentation before they close out my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY HUSBAND AND I PAID THE AMOUNT OF {$38000.00} FOR OUR MORTGAGE PAY OFF WITH FIRST BANK OF PUERTO RICO ON XXXX XXXX. ACCORDING TO THE BYLAW THAT APPLY TO PUERTO RICAN BANKS, FIRST BANK IS SUPPOSED TO GIVE ME THE MORTGAGE NOTE SO I CAN CANCEL THE SAME. I HAVE CONTACT THIS BANK ON NUMEROUS OCCASIONS VIA EMAIL WITH NO RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been on a debt mgt program since XX/XX/2016 yet some of the credit card companies have been reporting me late. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was closed until XXXX XXXX they charged it off and then now reopened it.

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 2019-08-16
Company: GLA Collection Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Total debt was paid in full and XXXX with GLA COLLECTIONS AGREED TO PAY IN FULL THE DEBT WILL BE REMOVED COMPLETELY FROM CREDIT REPORT ON XXXX. SPOKE WITH XXXX WITH GLA COLLECTIONS 2 TIMES AND SHE SAID SHE HAD RELEASED THE DEBT AS PAID IN FULL AND COMPLETE REMOVAL. 2 WEEKS AGO TODAY XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America has made it very difficult to set up auto payment of the Bank of America Bill. I have had ongoing contact with them about how to set up auto payment. Other credit companies have an easy process. 

By making it a convoluted process, Bank of America profits from late fees and interest from people who would normally set up auto payment on their bills. Interested to see if BoA late charges are higher than other Credit Card companies. 

In my case, I have spent hours on the phone with BoA to try to set up auto payment on my accounts. 

Normally, this would be a good case for a class action suit, but the law was changed to not allow this in XX/XX/2017. 

Please investigate why BoA has such a bad process.

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 2022-03-22
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a chargeback request " dispute '' to my Bank under the case XXXX XXXX and a few days agoon XX/XX/XXXX I saw on my account the reversal of the provisional credit given for this claim. I dindt get any letter or communication from the bank with the reason of the denied dispute. 
I answered all the information they requested by fax. 

The ammount is {$440.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: DriveTime
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Drivetime XXXX  are liars. I have talked with so many people to the point where I give up. I have told them numerous times the car can not be driven. If you guys want the car please go pick it up. You all have done nothing for me the only reason you guys paid the fee to pick the car up is because your sorry warranty team did not pick it up when it stopped in the middle  of a busy road. I  will just keep filing complaints. You all are a scam and there are countless lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2016-07-11
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Long story short : I have had payments rejected by Ditech for three months now due to their error. I have called each month to correct the situation only to have another argument about the payments not getting applied as scheduled. Late fees assessed when they state they will waive them only to have them tell me, " I have no record of that conversation ''. ( This conversation took place in XXXX 2016 ). It has been three months now that late fees assessed and scheduled payments not applied as they were confirmed to be due to an error made in XXXX 2016 by Ditech. I now have to write a written letter with documentation of the problems for the last three months to XXXXXXXXXXXX. I guess they have no phone number or address, at least that is what I am being told.. I am unable to speak to a manager and when given his name and extension, only to be able to leave a message on voicemail, with no return phone. I also need to call the credit bureaus if and when this issue gets resolved to clear my name on any late payments reported to them because of this. This is a nightmare dealing with Ditech. My account online is locked and I am afraid to schedule autopay until this mess is cleared up for fear my payments will continue to reject. Documentation can be submitted if requested. All calls have been recorded each month according to Ditech.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XX/XX/2022 I thought I was speaking to a dealership when I called the company XXXX. 
I liked a particular car for my son. They called me the next day and without disclosing that there was a chance that I wouldn't qualify for the loan OR disclosing how many time they would pull my credit they asked if I would like to apply for financing. I am weary about applying with dealerships. I explained to her on a recorded line that I am looking for a second vehicle for my son. She then put me on hold. I sat for over 30 minutes on hold when at that time she did not get back on the phone with me to let me know what was going on. SHE HUNG UP ON ME! My credit monitoring systems are blowing up! 
They let my credit be ran over 20 different times! 
I went through a horrible divorced and we were forced to file for bankruptcy so I have worked extremely hard to get my score over XXXX in the past 2 1/2 years. Now, thanks to the amount of inquiries in one day, it is just over XXXX. I would really like to see these inquiries disappear from my credit reports considering once I contacted a different online company that I was preapproved with one of the same lenders and was told that I only qualify if I turn my car in. WHAT? 
XXXX knew I was shopping for a second car! They took advantage of me! 
I feel so violated.

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 2021-08-28
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against CONVERGENT OUTSOURCING because they are attempting to collect a debt that I do not owe them. Account Name : CONVERGENT OUTSOURCING, Account Number : XXXX. 
I would like for CONVERGENT OUTSOURCIN to show proof of verification that I owe them {$1200.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got a CC from CitiBank in XXXX of this year. I tried setting up a couple payments before I even had a due date, and because of that they closed my entire account. Made no sense. And it's now effecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: ZIONS BANCORPORATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I HAVE HAD ACCOUNTS AT AMEGY BANK FOR 14 YEARS AND THEY DECIDED TO CLOSE MY ACCOUNTS BY XXXX. FIRSTLY I LOST USE OF MY ON LINE ACCOUNTS IN MID XXXX AND THEY STARTED TO RETURN CHECKS TO PEOPLE I WROTE CHECKS TO BEFORE THE XX/XX/XXXX DATE. MORE IMPORTANT IS THAT I HAD NINE CD 'S 1. {$10000.00} 2. {$1000.00} 3. {$26000.00} 4. {$10000.00} 5. {$10000.00} 6. {$5000.00} 7. {$6000.00} 8. {$1000.00} 9. {$50000.00}. I was earning interest on all the cds and none of the terms had expired. Amegy bank closed all the cds without reason and sent me checks XX/XX/22 and XX/XX/22 not paying me interest on the cds from there closure and holding the checks to send out XXXX XXXX. On XX/XX/22 I received a call from the bank that they have stop payment and are sending the cds to XXXX XXXX even though I am not in default with XXXX XXXX. I did not agree to this and I am losing money because Amegy violated my contract with them. I also need access to my old accounts for tax reasons. I think that Amegy should reinstate my cd and give me my back interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was denied fair access to credit. I applied to refinance my mortgage. I was attempting to finance my home at a lower interest rate. Green Tree declined my application. The reason for the declination a was 1 ) unable to verify employment and 2 ) insufficient data to determine manual harp eligibility. It is interesting to note that I provided current paystubs and XXXX forms from my employer of 20 years. Access tax returns were also provided. It is curious to note that when I applied to refinance my home with XXXX XXXX XXXX, my employment was verified and I was found eligible to participate in the HARP program. I believe that Green Tree has systematically denied mortgage refinance applications to prevent borrowers from refinancing to lower rates. Please see attached documentation showing the information that I provided to Green Tree and the rejection that I received from them following the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
DiTech Financial is claiming that we 've missed XXXX payments and are proceeding with foreclosure as of XXXX ... .we have NEVER missed a payment. We have talked to them, went through all our payment history, continue to make payments, we are a nervous wreck and do n't know what to do ... we have all the documentation and proof of payment ...

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 2022-07-16
Company: Experian Information Solutions 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:
While checking my personal credit report, which I acquired fromExperian, XXXX, and XXXX. I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX  on XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2022-07-16
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've tried to get my free annual credit report from EQUIFAX and they said I couldn't do it online two months ago. They said there system wasn't allowing it. 

So, they said I could send in a written form to request it and now it's been 2 months with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions 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:
XXXX is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for Experian : past due ( XX/XX/19 and XX/XX/19 ). XXXX  : past due ( XX/XX/19-XX/XX/19 ) and XXXX  : ( XX/XX/19-XX/XX/XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. 

These negative remarks are damaging my credit. Please promptly contact Experian,   XXXX and XXXX  and any other credit reporting agency to which you have reported this information and remove from my file.

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 2016-03-11
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have sent an inquiry to DiTech Financial LLC regarding a pending payment from escrow for hazard insurance. I am doing so because servicing was transferred from XXXX XXXX XXXX to DiTech effective XXXX XXXX, 2016, and I want to make sure that recent on-boarding will not impede timely payment. In the past, I have had problems with servicing transfers and timely escrow payments. Letter to DiTech is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Although I received a letter from Green Tree ( see attached ) saying that all calls on this account have been stopped, I received a call at my work on XXXX/XXXX/15 at XXXX. This is unacceptable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief