BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year i had listed my property to try to sell it to avoid foreclosure. I had to file for a chapter XXXX  bankruptcy to stop everything from going foward. I am now dismissed from the bankruptcy. The servicer has agreed to accept a short sale on the property. So my property was listed and they gave no amount but i got a couple of offers and submitted them to the servicer. They then denied offers and made the price XXXX. I had more showings and another offer for XXXX. They denied again and raised the price to XXXX. I then had an appraiser come in and appraise it at XXXX. My attorney subbmited to them and denied it. Still wanting XXXX. My property has been actively listed for almost a year now and i can not get it sold. The banks unwillingness to accept any offers. They are holding me XXXX it seems like. I have tired everything. I am a mother of XXXX kids and recently separated. This was my parents property and when they passed away i was unable to pay the mortgage due to major financial hardship. The servicer does not keep a price and keep changing their minds. I dont feel it is right how they are handling this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fraud has been committed on my Consumer Report which violates the FCRA and FDCPA. I. C. System, Inc. is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required *purchase agreement* Evidence that you are a licenseded debt collector *Chain of Title* Proof your are license to collect a United states debt and enjoy it *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all Communications activities and have the tradeline line deleted from my Consumer Report. Also see attached letter

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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2022-01-04
Company: Moneytree Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Due to a loss in income, I wrote to Moneytree through the account message center advising of my inability to make payments and advising I was withdrawing my authorization for automatic ACH withdrawals from my bank account. This was done on XX/XX/2021. This was followed up with an email on XX/XX/XXXX reiterating the withdrawal of my ACH authorization. Despite this notification Moneytree debited two payments in the amount of {$200.00} from my bank account on XX/XX/XXXX for a total of {$400.00}. This caused my bank account to overdraw and be charged overdraft fees of {$70.00}. 

I emailed Moneytree on XX/XX/XXXX advising of this unauthorized withdrawal and again notifying of the withdrawal of my ACH authorization, and of the fact they caused my bank to overdraft. 

Despite these multiple notifications once again on XX/XX/XXXX Moneytree debited {$200.00} from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempts to collect a debt that is not owed.

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 2018-05-31
Company: Santander Consumer USA Holdings Inc.
State: VA
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:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX jointly with a friend of the family. The car was a total loss as of XX/XX/XXXX. The insurance issued payment in XX/XX/XXXX which brought the principal balance down to roughly {$8000.00}. Santander recalculated interest and modified my payment. I filed the claim with GAP ( which later I learned should have been handled by Santander, but they dropped the ball ) and the Gap company, using the payoff date of XX/XX/XXXX, paid the remaining balance. I was then told by Santander that I had a $ 500-ish balance because GAP didn't cover all the fees. I contacted GAP company for clarity who advised that they did in fact cover all the fees and that they paid according to the payoff. I chaulked it up to a loss, and asked Santander to modify my payment with the new principal balance, that way I could make affordable amounts on the account without falling behind, since I had to finance another vehicle. They told me that the first modification was a courtesy and they were under no obligation to do another so they couldn't help me. I have called repeatedly trying to figure out what the $ 500ish amount was. One person told me it was a payment that wasn't made, etc. etc. I have not gotten a straight answer from them and now my credit, along with the joint debtor 's credit, has taken a hit. In my review it looks like they, even though they received a the insurance payment and the GAP payment, still expected me to make an additional payment and I don't understand where that payment is coming from. The maturity date on my loan still says XXXX, but they never adjusted the payments to spread them out over that time period. Not that it matters, because I wouldn't take that long to pay it, but it would make it easier for me to manage right now. I am very suspicious of their accounting practices and lack of ability to answer questions or disclose information. I can understand having some lingering interest charges one both insurances paid out, but enough to equal another payment seems ridiculous to me, especially when they would have received their GAP insurance payment much quicker if they had done their job. I shouldn't be punished for their inability to perform their job adequately. I made a {$400.00} payment today which leaves a {$140.00} principal balance, however the payoff is {$710.00}! I dont understand the amount of fees they keep adding to this loan. It seems like they don't want me to be able to pay it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The reason I'm filling this dispute out is because the company I've went through which is a third-party company of XXXX insurance has put an inaccurate collection onto my credit this year after canceling my policy last year. On XX/XX/XXXX of last year, I canceled my policy due to cost. I continued to tell the representative that after this month, I am canceling my policy so take me from their scheduled system of auto-pay since I won't be using their company for insurance anymore. The representative didn't cancel, nor did they take me from their payments, after me asking them to, charging me an additional XXXX for a policy I had already canceled on XX/XX/XXXX of XXXX. They continued to charge me for a policy I canceled. I have messages ( text which was one of the only ways that the representative communicated ) from the representative proving that I asked of these things, with no reply nor did they tell me that they didn't cancel it after I canceled it and informed the representative that I am canceling and would not want to use their insurance policy anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Ad Astra Recovery Services Inc
State: AL
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 have contacted AD Astra Recovery and faxed my FTC affidavit to them twice XXXX and I have called to verify that they have received my fax and they did confirm but they wont stop reporting to the CRAs and this is what AD ASTRA Recovery told me to do, they told me in order for them to delete the account I have to call all 3 credit bureaus and tell them that I want to cancel my dispute so that they could delete the account! But little did I know this is a TRICK!! this collection company is sketchy!! how dare you try to still collect and trick me when this is a fraudulent account!!! I just want to say Thanks to XXXX they let me know what AD ASTRA Recovery was trying to get me to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This number repeatedly harassses me throughout the day, even after I have explained to them that I do not owe any debt, and that they have the wrong person. I have blocked them and they continue to harass me. I do have credit card debt but I make my monthly payments on time and above the required amount. I have nothing that would require a debt collection service and they continue to harass me.

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 2022-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We have mortgage thru Chase bank that began XXXX of XXXX. We have always made our monthly mortgage payments on time except in XX/XX/XXXX, I missed a payment by mistake. We were offered deferment as a payment option and accepted. It took some time to get deferment as we would fill out forms send them in by mail but chase claimed never received. After filling out multiple forms several times, we finally got the deferment. We were told it would bring our account current and would not go on credit report. We discovered chase reported weve been late consistently on credit report which is not correct. We contacted chase who then proceeded to tell us no deferment document existed and then when we explained if we were late consistently our balance would reflect that, to which they then put back all late fees associated with missing payment back on. When we informed chase we would be filing a formal complaint, they found the deferment and took off late fees but refuse to remove the late status from our credit report. Last phone conversation was XX/XX/XXXX. They claim to not show a missing payment but have a deferment document. Each time we talk to them, they tell us they will investigate but it goes no where. Now they have told me I have to submit in writing a formal request. We wanted to sell our home and buy a new one but chase has driven my credit score down and refuses to remove the incorrect status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have hard inquiries on my credit report that I did not authorize.

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 2021-04-06
Company: U.S. BANCORP
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
A cancellation of debt was reported by US Bank to IRS which contains inaccurate information. The cancellation of debt total was {$13000.00}, but was reported to IRS as {$26000.00} on my XXXX and on my wifes number. US Bank states that they reported it correctly and the issue is with IRS, but they state we will be taxed on the {$26000.00} amount plus penalties unless they get clarification from US Bank.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am reporting accounts that are fraudulent and I am asking them to investigate and remove them. These bureaus does not respond to any of my letters, I did not receive anything from them even after 40 days.

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 2019-12-05
Company: FREEDOM FINANCIAL NETWORK
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I began using freedom debt relief to try and settle debt after a separation and ongoing divorce. I noticed that I had paid nearly {$250.00} in fees for one month, with a projection of {$97.00} for the next month while only paying down on one debt. They charged excessive fees, and when I called to cancel my account and withdraw remaining funds I was told there will be more fees and that they will return the balance in around 3 weeks.

Completely unhelpful and refusing to give back money that is not theirs!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are trying to get a loan payoff. We requested the payoff on XX/XX/XXXX, and told Ditech customer service that we needed to get the payoff by closing on XX/XX/XXXX. They said it would take 7 to 10 business days because their bankruptcy department would have to respond. As of XX/XX/XXXX, we don't have it. Calls to the customer service number are fruitless. This loan was part of a bankruptcy reorganization that ended in XX/XX/XXXX. The problem is we can't talk to anyone directly in their bankrupcty department about how to resolve the issues. All we can do is end up in call center nightmare being put on hold repeatedly. Trying to talk to supervisors is useless because they never answer their phone and never return their messages. All we want to do is payoff the loan!! Our sale of the property is now in jeopardy, and we have no clue as to who is looking at the issue, no phone number ... .no email ... ..no one to talk to or help get the problem resolved. 

We have documents that show that the loan was out of bankruptcy in XX/XX/XXXX and that the loan was not impaired or crammed down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was harassed into setting up a payment arrangement at the end of my statue of limitations.  Myself  as well as my co-signer s ( m y  XXXX   XXXX   XXXX  grandparents ) received multiple calls daily threatening to have us arrested and that their home was going to be taken away. The callers were verbally aggressive and very unprofessional. I received calls at my place of employment even after I asked them not to. My co-signers also asked to not receive calls but they were called anyway. I was also told that if I paid   XXXX   dollars and {$350.00} a month for a year that my cosigners would be released. I called after that year was up and was told that No one told me that and that it could not happen.I was forced into default because my payment was a day late. The next caller asked me why did n't I make a post dated payment, to which I responded that I asked but I was told that I could not.Not to mention the more I paid, the bigger my balance got.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
name LVNV Funding LLC, XXXX XXXX XXXX XXXX XXXX SC Re subject CC account number # XXXX, ref # XXXX to whom this may concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of XXXX I prefer a " true bill '' but will accept a statement [ by XXXX XXXX ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form. please be advised you are also in violation of information breach, as i will provide the applicable law [ s ] in my next complaint thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: FIRST CITIZENS BANCSHARES, INC.
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX, whilst clearing out the remainder of paperwork of my late husband 's studio, I found a Certificate of Deposit issued for 60 days on XXXX XXXX for {$100000.00} at 9.20 % interest per annum with First-Citizens Bank in XXXX, NC. My husband died on XX/XX/XXXX and his executor closed out our accounts with First-Citizens. Somehow this CD was not found until six years ago. A lawyer representing me took the CD to First-Citizens where he was met with a startling gesture on the part of the bank representative who threw the CD in the rubbish bin declaring that it had no validity due to it's age. The lawyer then appealed to the Senior vice president and Senior counsel of First Citizens Bank who wrote a rather lengthy letter explaining that the bank had required the presentation of the paper certificate to redeem funds in a CD with their bank until XXXX when said bank changed over to a book-entry system. That is all well and good but not applicable as my husband had been dead for two years when they switched over and though he was capable of extraordinary achievments walking into a bank two years after his death isn't one of them. Often times my late husband 's practice was to let a CD " roll over '' until he decided what to do with those particular funds. The legal representative then contacted the NC Treasury who had no evidence that these funds had ever been put into their hands. He then contacted the NC Banking commission who became somewhat irritated that he contacted them often to hear what they had discovered and asked that he not call back and that they would contact him when they had finiished their investigation which should take five years! To date we have heard nothing from them but silence. This past Spring I asked my late husband 's executor to get involved again and his first move was to contact the Banking commission who now claims that they have never heard of this CD or the problems with First Citizens. Surely there must be some organization committed to the consumer!? Perhaps these funds got lost in the shuffle of reorganizing and changing to the book-entry system ; frankly, I am at a loss to know but am conveninced that these funds were never redeemed and that First-Citizens should make good on this investment. I have letters, the CD itself as well as the receipt from First-Citizens. I NEED HELP ; PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela owes me {$200.00} for a loan repayment overpayment. Mohela also owes me {$40.00} for a payment it processed but failed to apply to my loan or refund. It is attempting to scam me out of these funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Bread Financial Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX- PRESENT Sent Certified mail in XX/XX/2019 to try and have them validate that the debt is mine. I sent my signature and Id

Company response to consumer: Closed with explanation