BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I currently have a Target Store credit card. I received an offer by mail XXXX 2022. 
Target wanted to phase my Store card to a Target MasterCard. The letter stated I had to notify them by XX/XX/XXXX or they were going to change my Target store card to a Target MasterCard. So if I had not read the document in detail and called to stop this process, Target would have sent a card I did not want AND AT A HIGHER INTEREST RATE. This is a new practice and should not be legal. Consumers receive many credit offers by mail that require approval or activation. Consumers should not have to take any action to deny these multitudes of offers. New marketing scam from a company I used to respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I spoke with someone at rocket mortgage and I specifically asked estimate he then tells me he needs to run my credit but will not impact my score he then guarantee me he'll get me loan then after he runs my credit denied me cause I receive XXXX income. Now my score dropped XXXX points cause of this and I been fixing my credit. He said my income wasn't good enough

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America engaged in dual tracking me in  XXXX    XXXX  . As seen in the attached letter from Bank of America, dated  XXXX   XXXX ,   XXXX  , they had the documentation needed to process my loan modification. It states that the process should take no longer than thirty days. Instead of working on modifying the loan, Bank of America turned it over for foreclosure on  XXXX   XXXX ,   XXXX  , even though they were the loan servicer, and would continue in that role until  XXXX   XXXX ,  thirty  days after the aforementioned letter. The loan was transferred to  XXXX , and between Bank of America and  XXXX , progress was delayed allowing the HAMP program to expire. I had questioned the dual tracking in my previous complaint ( which had  two components )  and have attached a copy of that letter. When contacted by Bank of America with their research about the complaint, the representative had no reasonable explanation for the dual tracking and would have to investigate further. I was told that I would receive a hard copy of the report, as well as an email containing their findings. I confirmed the email address to insure accurate delivery. I received nothing. I have contacted the representative for Bank of America on  three seperate occasions, leaving a detailed voice message each time.. Again,  no response.

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 2016-09-13
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We filed bankruptcy over 10 years ago and had a line of credit with GreenTree Mortgage. Our house was foreclosed on in 2009. Several calls were placed to them to notify. They told me it was being written off. Now, 7 years later I am getting harassing calls from Ditech Mortgage about paying the delinquent account and are reporting it on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Fraud for {$70.00} on XX/XX/20, {$100.00} on XX/XX/20 and {$100.00} for XXXX are all Fraud wrongfully denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name and Ss used to open in line account with XXXX. Now Midlands credit mgmt trying to collect. I owe nothing, impersonator lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've resided in XXXX XXXX since XX/XX/2018. In XXXX is following report # XXXX I've spoken with a representative. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent in documentation to XXXX, XXXX, and Experian that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.

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 2016-06-22
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I am receiving notices from DiTech Financial, LLC for a mortgage that I was never issued. I file an application with them but it was never issued to me. They have placed a bad mark against my credit for a mortgage that I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase Account # XXXX Coinbase is a cryptocurrency platform that allows the trading of different digital currency. I have been a user of the platform for several years. Never had to deal with their customer service until XXXX when I saw that the number for two step verification was not accurate. Tried to change it manually and got locked out of my account. When I tried to sort the issue out with customer service the only response I ever got was your account will be reviewed by a specialist and we will get back to you in 5 days or less. It has been almost 30. Just the same automated messages, or no response at all. Ive sent over 20 messages to them so far asking for basic competency and just nothing. 

One of thee worst experiences Ive had with a company and Im not alone after doing thorough research. I wait, no response. I create multiple help threads, nothing. I have thousands of dollars in that account. Ive done everything on my end including provided pictures of me my ID and proper verification to have my credentials reset. Just a complete lack of competency or care. To the point where I have gotten out of character because Im basically talking to myself. Its wild. I hope whoever reads this never experiences what I and so many others have experienced. Soulless. Im trying every route to find advocacy and justice. Its heartless and disrespectful. They need to be sued. Expeditiously. The CEO needs to be fired. Something cause XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I XXXX XXXX WANT TO DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Selene finance has now stopped excepting our mortgage payment. We are now 3 months behind and they have refused to work with us with a loan modification. We attempted to make XXXX FULL payments and have been refused. Selene is now telling us that we can be foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over the lawful time soon to 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may 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 2022-07-21
Company: Bread Financial Holdings, Inc.
State: NY
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:
I went to use my BJs card and it was denied. So embarrassed. I called the company they said I never sent in a payment. They received my payment of {$750.00} on XX/XX/22. They said sorry we are updating our system. Meanwhile they wont let me use my card, they can not tell me when they are going to find the money and it is going on a month. This is Comenity Capitol Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the XXXX law [ XXXX 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Meade & Associates to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than Meade & Associates is to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-10
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Should not be in collections. These loans are in a cosolidation loan

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 2016-04-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I have an account with citi and while having this account I have been charged late fees since I had the account after numerous of times contacting the XXXX # to have my due date changed and was told that it could n't be changed and asked if the late fees can be waived since my due date could n't be changed this card has ruined my credit and has n't helped me in any way.

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 2022-02-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account was seen on my credit report and I found some erroneous remarks in the said account. Equifax has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate this account and feedback within 30 days with deletion of the unverified account. 
XXXX XXXX XXXX XXXX : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: ACS Education Services
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For the second year in a row, I have submitted my Income Based Repayment Forms as per the Instructions for Submitting the Request included with the form ( see attached ). I sent it via fax in XX/XX/XXXX in order for it to be processed by XX/XX/XXXX. I believe it is absurd to have to submit the paperwork three ( 3 ) months in advance in order for it to be processed ; nevertheless I followed the instructions given. 
Once again, I am forced to resubmit the paperwork by email ( an option that is not available on the Instruction form ) and I have to wait 7-10 days for the email request to be processed. It will then apply to my XX/XX/XXXX statement, forcing me to agree to forbearance as I can not make the required payment for XX/XX/XXXX ( which is why I am asking for IBR option in the first place ). This means that the interest for this month will be capitalized to my student loan because of ACS 's negligence in processing my timely request for IBR. Attached are the forms I submitted on XXXX XXXX for my XXXX XXXX payment, along with the fax confirmation that ACS received the paperwork. 
In XX/XX/XXXX, the same thing happened. I submitted the paperwork in XX/XX/XXXX for IBR by mail and they also indicated they had not received it. I resubmitted by fax and again they indicated they did not received it. This caused negative reporting on my student loan and again, the only other option available was to request forbearance and have the interest capitalized on my loan. They processed my request in XXXX XXXX after multiple attempts to have my request processed. 
As you may know, it is hard enough dealing with repayment on student loans that ACS has to add to the burden by having unreliable methods of communication, requesting unreasonable efforts on behalf of the students to submit a simple form and by forcing students to have the interest capitalized when ACS has failed to process and IBR request by only offering forbearance as an option. 
Remove any negative reporting during XX/XX/XXXX, apply any interest capitalized as a result of ACS 's negligent servicing of my student loan to my loan principal, add the email address ACS uses to process the request to the " Instructions for Submitting the Request ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: American Accounts & Advisers, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX of American Accounts & Advisers called me this evening after I had been working with one of his reps in getting an itemized bill from a medical bill. After I explained to him that I was working with one of his reps, he proceeded to tell me that I was " Taking advantage of her niceness '' and that he " knows people like me '' He claimed that I had no intention to pay and then made light of putting this on my credit report. When I asked for his supervisors name, he then gave me his subordinates name and number. I know this because I looked it up. The name He gave me was XXXX XXXX. If he would have stopped for a moment, I tried explaining I had n't received a bill most likely because I moved and I was also told that it was covered by my insurance. Rather, he thought it a better idea to make me feel like a child in the way he was speaking to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2022-02-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Incorrect information is being reported on my credit profile ( address, and identity theft alert ).

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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i sent all 3 credit Burroughs a list of inconsistencies between the 3 companies, names they must have created and or spelled wrong because they are not mine and i never used, addresses and phone numbers fictitious, wrong or just over 10 years old. more then 30 days ago. the only reply i got was they sent me another copy of the same bs report. nothing got fixed or removed. i already had copies that's how i found the mistakes i did not ask for another copy. i believe they sent this as a deterrent to say they replied

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 2022-02-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I requested a another escrow analysis of my loan payment. I have recieved a new payment statement of {$1900.00} with an increased escrow monthly payment of $ XXXX. I spoke with XXXX and she was able to waive the $ XXXX " escrow reserve '' payment per my request. She advised me that I could pay the $ XXXX payment to be paid over 12 months for the escrow shortage, which added up to $ XXXX to remove from monthly payment sum. So, I made electronic payment of {$1700.00} toward escrow the same day to have this removed from my monthly payments. In addition, I notified her that I had applied for my county tax exemption and it was adjusted in a reduction of {$940.00}, which should reduce my monthly payments as well. I submitted the letter to them via PennyMac message center. I recieved emails stating that it was under review on the dates of XX/XX/XXXX and XX/XX/XXXX and should get a response and note an adjustment in premium within 14 business days. 

I have submitted two additional emails on yesterday to follow up as another payment of {$1900.00} is due. Please note, despite my above payments I paid {$1900.00} for XXXX to allow time for review and adjustments and now today is XX/XX/XXXX and PennyMac is still requesting a payment of {$1900.00}. This continuation of this payment is cause for financial hardship for me and they show their indifference in acknowledging my repeated calls and emails. 

I did call on XX/XX/XXXX after being on hold for nearly XXXX minutes, I spoke with XXXX, who said she would resolve it and put me on hold only to disconnect the call ; and no one called me back to resolve it or responded to my emails from yesterday. 

I have attached all the emails and the tax form for your review and a resolution.

Company response to consumer: Closed with non-monetary relief