BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-23
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While checking my credit report I noticed a collection account from a Midwest Recovery Systems stating that I owe {$500.00} from an XXXX XXXX XXXX. I have had dealings with them in the past after I had received several spam/fraud emails from another collection agency XXXX that was threatening to " take me to the courthouse if I do not pay '' I asked for proof of the debt being that I am a victim of identity theft in past. The never sent me any proof of the debt. I filed a complaint with my states attorney General, and they stated that the emails I was receiving were fraudulent. I also filed a complaint with the CFPB. After this, and not receiving any feedback from any XXXX, I thought the matter was closed. Now this collection agency Midwest Recovery Systems has placed this account on my credit report which has caused my credit score to drop nearly XXXX points! I am in the process of looking for a home to rent and this has severely affected my chances of getting approved by potential agents/ landlords. I have sent letters to all " collection agencies '' that are claiming to represent XXXX with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
An alarm company install an alarm system with out my permission, someone else sign the contract and it wasent me, i dont know if they sign with my name but since the house is on my name now the collection agency its telling me that am the one that has to pay the money owed wich exceds the {$3000.00}, before the account was sold to the collection agency my mom contact the alarm company and told them that the owener of the house never aprove or sign any contract for them to install the alarm system and they told her that I was the one that was supposed to call and tell them that because the house was on my name, wich is very weird because when they install the system they didnt care if i was there or not or if it was me the one that sign that contract ( wich it wasent me ). When i was talking to the debt collector he hang up on me before i finish talking. I also explain to him that I never sign any contract and he told me that i was responsible because the house is on my name. I ask him that how come when they went to install everything they didnt ask for an ID to verify that it was me and he said that that was not a requirement, than when they go to the houses and someone opens the door for them and give them permission to install the system they go ahead and do it but the ower of the house its responsible, wich i think its very dumb cuz how can i be responsible for something that i didnt aprove. I also explain him why I told my mom to contact the alarm company on my behalf because i work from XXXX to XXXX or later and its hard for me to make phone calls. I dont understan why when my mom call the alarm company to tell them that they need it to go and take all the equipment because i never aprove that, they told her that i was the one that was supposed to call not her because the account was on my name but when they went to install everything they didnt care if the owener of the house in this case me was there to aprove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I opened an inquired around XXXX 2016 against CAPITAL MANAGEMENT SERVICES LP for attempting to collect a debt for the amount of $ XXXXPlease look case XXXX. I did n't dispute their response because on his response letter. This company said will cease all collection activity and in its letter states to have the Creditor verify the alleged debt owe direct to me, so far none has verified the alleged debt of {$900.00}. Today I received a letter in XXXX from this company again trying to collect the same debt without verifying the debt as I inquired on my original case against CAPITAL MANAGMENT SERVICES LP Case # XXXX.I would like the CFPB step in to check into this issue if this company has violated any Consumer Protection Credit Laws I 'm attaching as referral the company response letter from the previous case and the letter I received today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My wife and I were rejected for a Home Equity Line of credit despite the fact that we have over seven million dollars in net assets and credit scores of XXXX. We believe we were rejected because of our age - we are both over 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 2016-08-11
Company: POPULAR BANK
State: FL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX I received a BANCO 'S POPULAR check # XXXX dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} dollars. The next day I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at XXXX on XXXX/XXXX/XXXX. 
PLEASE.. I never deposited this check to XXXX! I have NEVER owned an account there I never even heard of this bank. After XXXX XXXX XXXX accused me of trying to deposit the check twice I was left with only few options. I contacted the check issuer XXXX XXXX XXXX XXXX and asked them to call their Bank XXXX XXXX to search for that check so they e mailed me that the check was cashed and they cant help me anymore. XXXX XXXX stated that they cant research this check because I am not their customer. XXXX have searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in XXXX! 
Can someone contact banco popular and see who did they pay this check to?

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 2016-08-04
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent you a complaint case # XXXX and Ditech did not adjust my payment until I called them back a second time about changing my mortgage payment XXXX dollars more a month. While they gave me the run a round two times, they told me that I was to wait until they get back in touch with me and do not worry about paying them and my credit would not be affected. Guess what, my credit was affected after they told me it was their fault that this problem occured and they would correct their error. I have NEVER been late with a mortgage payment until this incident happened. Every customer service person woul always tell me a different reason for the problem except XXXX. She admitted to the problem and she told me it would not affect my credit and said it would be noted on my record and I would receive a letter stating the same. I received neither the letter or correction staing that my credit would not be affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I was told that if I entered into a payment arrangement with them that they would not report the debt to credit. I started making payments immediately. I then checked my credit a month or two later and they in fact had started reporting the debt negatively to my credit.

Company response to consumer: Closed
Consumer complaint received 2015-09-15
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was in the HAMP modification starting XX/XX/XXXX. Part of the program involves the issuance of incentive payments to the borrower. XX/XX/XXXX, the department of treasury issued a new bonus incentive program for borrowers who had successfully remained in the program for 6 years. [ Treasury Supplemental Directive 15-01 provides that borrowers with GSE HAMP Loans are eligible to earn a {$5000.00} pay for performance incentive as of the sixth anniversary of the HAMP trial period plan effective date ( Sixth Anniversary Date ) ]. The servicers were required to notify borrowers of their eligibility for this bonus within 120 to 60 days of their anniversary date. The problem is that Greentree/Ditech sent me a letter dated XX/XX/XXXX that was received XX/XX/XXXX, less than 30 days before my anniversary date. Prior to the receipt of this letter, around XX/XX/XXXX, I had called Greentree/Ditech and asked them if their were any incentive payments due on my account. I was told " No ''. Based on that information I proceeded to close on a refinance that funded on XX/XX/XXXX. I 'm now being told that I 'm no longer eligible for the incentive bonus because of that refinance that could have been avoided if Greentree/Ditech had fulfilled their obligation to inform me of my rights in a timely fashion as was their duty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had consistent payment history for over 3.5 years on my mortgage with wells fargo through a property that I own in Missouri until just recently. In XXXX, there was an issue that an automatic payment was drafted through my XXXX bank account from Wells Fargo, yet Wells Fargo after conducting an internal inquiry, says that they never received the funds. This issue caused several overdraft and late payment fees. Then again, this month.. The total draft amount is {$1400.00}, and this attempted to process on the XXXX of this months where I had the funds in my normal account, yet their attempt to draft resulted in a NSF fee and late fee stating that there was n't enough funds to process the transaction.. When my bank records clearly show that there was over {$2800.00} in the account at the time that the draft was attempted. This month I received a letter stating that I have not submitted my mortgage payment, then the next day I received my mortgage statement with notification that my payment was received. 

This XXXX instances have caused multiple associated fees and charges exceeding $ XXXX {$200.00}, in addition to the mortgage payments in question.

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 2017-10-11
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my third attempt to get this resolved. Stallings Financial continues to leave on my XXXX report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite Stallings continued reporting on my credit report. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I initiated a disputed with Convergent asking them to validate the two debts ( XXXX and XXXX ) that they were reporting on my account. I asked for a SIGNED contract between me and their company. As of XX/XX/XXXX I have YET to receive ANY documents that validate the debt. However Convergent has chose to ignore my request and violate my consumer rights by continuing to report their tradeline on my credit report. I sent them the proof they requested via the BBB the following day and they have yet to respond to my BBB proof they requested via my CFPB complaint. They are BEYOND the 30 days allotted by law and I am ready and willing to seek legal action to protect my credit worthiness.

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 2017-02-21
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last month, I submitted a complaint under case number XXXX. I had been dealing with Ditech for 6 months to get my escrow account updated with the correct tax amounts. They stated that the issue had been resolved and I got a new mortgage amount. This " resolution '' lasted one month. I just received a statement that my mortgage and tax amounts have gone back up. This incorrectly adds {$200.00} to my 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 2016-06-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refianced my mortgage from Ditech ( my prior lender ) to another lender on XXXX/XXXX/2016. As of XXXX/XXXX/2016, Ditech has refused to refund my escrow. They state that they will not release my escrow until XXXX/XXXX/2016. 

Ditech states that their records show a check was mailed on XXXX/XXXX/2016. However, no check was ever recieved. I have reported this to Ditech on several occasions. While they have acknowledged my escrow payment was likely " lost in the mail, '' they refuse to send a " new '' check unless I report the check unreceived on or after XXXX/XXXX/2016. 

Ditech has provided no support that the check was actually mailed, and this process appears to be nothing more than an attempt by Ditech to extend the legal requirement that my escrow be returned within 20 working days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-02
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company reported a debt on my credit report that does not belong to me. I have never heard of these people before. Company has tons of complaint of bogus accounts and illegal tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
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: Account information incorrect

Complaint:
After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.

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 2015-09-07
Company: PLATINUM HOME MORTGAGE CORPORATION
State: ID
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage through Platinum Home Mortgage. I purchased the home XXXX/XXXX/12. I have had nothing but screw ups with them. My payment has gone up and down so many times. My son and his wife, daughter and her husband have the same type of loan with NO problems. I am at a fixed rate of 3.375 % and the beginning loan amount was {$110000.00}

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 2015-08-10
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan through Hyundai Motor Finance and they do not provide me with the interest rate of my loan. This information is not available to me via my online account with them and it is not listed on my monthly statements. Interest rate is a critical piece of information about my loan and should be included on my monthly billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: EOS Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I terminated my account, paid all the fees and my balance and was told i was settled. a week later I got a call stating that I owed over {$500.00} and they could not give a definite answer as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine. I have a son with a similar name thatwent to this XXXX, I have never gone to this dentist. I am a XXXX year old man the patient is XXXX, I dont live with him, have a different address etc ... 
Why am I responsible for his medical bill

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
USAA Closed account fraud activity on credit card XXXX + said they did n't want to do business any more card was used for withdraw transactions deposits were made a By a XXXX XXXX from a phone number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In the process for applying for a mortgage loan, USAA pre-filled items in the loan disclosure packet that were factually inaccurate and material to the process. After four ( 4 ) requests to update the information, they simply said they would take care of it, but the debt to loan ratio they quoted when denying the mortgage loan means they did not actually update the packet with accurate information. 
Furthermore, when they called stating that the loan was denied, I asked what information the underwriter used ( because the ratio they quoted was not possible under multiple scenarios ). They refused to respond and simply said that there was an appeals process, but appeals " always get denied anyway. '' Following the call, I logged-in to our USAA account and noticed they had already deleted all application information. 
I reached out to the loan processors ' management team, who stated they would look into it and get back to me within 1 business day. Two ( 2 ) weeks later, I contacted them again, and a third time a few days later, but have received no response to date. 
It is clear that USAA 's processes and lack of communication allowed factually inaccurate information to go to the underwriter, and their team did not allow for any further communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Union bank hung up.on me 3 times when I asked for paper statements.

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