BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: Second Round Limited Partnership, Austin, TX Branch
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Friday, XX/XX/2019. The Debt Collector sent process server to serve papers at my brother 's house. Without my brother saying anything she quickly told him my name and they are trying to serve me for Debt. I don't live in that location. I was only staying with them for a bit but currently have my own apartment. I don't know why they would tell him my name without him asking and be telling him my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage ( dba Mr. Cooper ) has applied bankruptcy post-petition payments as pre-petition payments. Currently, the mortgage provider has not handled this matter in a manner that can be explained by any attorney review. By Mr. Cooper 's owner transaction history ledgers, they are clearly placing post-petition mortgage payment as pre-petition payments. All arrearage payments are made thru Chapter XXXX trustee, Mr. Cooper is aware of this. By reviewing the ledger, it is clear appearance that the mortgage provider has made some accounting errors. 

Mortgage provider supposedly refinanced ( thru " No cash loan '' ) this mortgage in XX/XX/2016 but this is not accurate because I had filed Chapter XXXX bankruptcy in XX/XX/XXXX of that year ( 3-4 months earlier ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I filed two disputes with experian, XXXX  and XXXX  regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXXXXXX  XXXX. From the initial dispute letters, XXXX  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to experian, XXXX, and XXXX  on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM XXXX, XXXX  OR EXPERIAN. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.

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 2020-01-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Filed dispute with Citi Costco credit card which was resolved for {$6700.00}. I requested payment by check which has never been sent from Citi Costco. Numerous calls have been performed to both customer service and dispute department with agents claiming no communication between departments have been made to release the funds by check after being verbal told and by written confirmation that such action has happened. Dispute department agents repeatability have denied communication with sent letter from Citi confirming dispute details and situation of rewarded settlement. It appears the practice of misinformation between inter departments handling my dispute has resulted in nonpayment of awarded funds as Citi Costco is taken the incompetent approach to not pay what was settled.

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 2022-01-27
Company: Medical Data Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive sent several request to this company asking to validate the debt with no response. They continued to report to the bureaus. I would like for it to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: GA
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 XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was given stock from Robinhood by son for Fathers Day XX/XX/2020 I opened account and transferred {$100.00} to Robinhood to start. I received XXXX as stock from son, I bought a few more of XXXX  and about 20 shares of XXXX to see how site works. I have not been able to access account since I opened it. I tried numerous times contacting Robinhood support and help emails getting same generic response. I gave Robinhood all my personal information and do not know what Robinhood has done with it. They have not used it to fix account problem. I tried their password reset and it shows account with XXXX balance. 
Robinhood has no telephone support which I find strange. I would just like to close account at this point and have money returned to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I sent money to my cousin who is in prison, I do not have the reference no. of the first transaction but it was back in XXXX back then I had confirm all the information concerning my relationship with beneficiary. On XXXX XXXX and XXXX of XX/XX/XXXX I sent him money ref no. XXXX & XXXX my cousin was waiting for the funds and he had not received it ref no. XXXX, I contact the customer services which informed a representative informed me that the transaction was under review. She ask mw what was my relationship with beneficiary and then released the funds.after informing that beneficiary was my cousin. Now on XXXX XXXX, XX/XX/XXXX the same thing happen, the whole day pass and my cousin had not received the funds. I called customer services again and the representative informed that the received had to call them. I told him that if had receiver my money transfer and informed in that this was going to someone in prison. He asked me to be placed on hold and the informed that funds were released. I do n't know what money grams employees are doing there is no reason for my transaction to be on hold if they have confirm the information with me. this is a frustrating situation. I will NEVER use money gram again. bad services and made me waste my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: COMMERCE BANK
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/XXXX I purchased a XXXX from XXXX XXXX in XXXX XXXX XXXX and financed it through the dealership associated Commerce Back XXXX/XXXX. Insurance verification was supplied on that day along with the current policy information which included a {$2000.00} deducible which allowed me to take possession and drive new vehicle to XXXX. On XXXX/XXXX/16 Commerce Bank sent a notice welcoming me on the loan ( XXXX XXXX ). On XXXX/XXXX/16 Commerce Bank sent a notice demanding a {$1000.00} deducible with no justification provided ( XXXX XXXX ). On XXXX/XXXX/16 I attempted to get an explanation on the phone with no success other than being bounced around between departments. The last person I talked to said they " could do as they pleased '' based on the a nebulous insurance clause in the purchase contract ( XXXX XXXX ). On XXXX/XXXX/16 I formal filed a complaint with Commerce Bank requesting a justification for the {$1000.00} deducible by XXXX/XXXX/16 ( Doc XXXX ). On XXXX/XXXX/16 Commerce Bank demanded a {$1000.00} deducible and threatened me with an {$8400.00} XXXX premium ( XXXX XXXX ). On XXXX/XXXX/16 I sent final notice to Commerce that I was taking my business elsewhere as they had failed to provide an explanation ( Doc XXXX ). 
On XXXX/XXXX/16 I received the vehicle title and a " thank you '' letter again with no explanation of their attempt to modify the deductible requirement ( Doc XXXX ). Commerce Bank appears at best to be making arbitrary and capricious requirement changes and at worst discriminating against over XXXX age customers, females, or customers living in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: MA
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:
I FILED A COMPLAINT WITH XXXX AGAINST XXXX XXXX  AND THEY REMOVED ALL CHARGE OFF FROM MY REPORT EQUIFAX IS STILL REPORTING INFORMATION THAT WAS DELETED AS CURRENT ON TIME PAYMENTS Requesting MONETARY RELIEF DUE TO INACCURATE REPORTING OF INFORMATION ACCOUNT NUMBER : XXXX 15 USC 1640 CIVIL LIABILITY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Capital Management Services, LP
State: VT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This collector called my dad and asked for my phone number and other information, My dad is on the Do Not Call List. He would not give them any info, and they became pushy, rude and forcefull. My dad had to hang up on them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-08-14
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I was notified by XXXX  and XXXX  that a negative collections remark was added to my account. This was placed there by CCS Companies on behalf of XXXX. 

I do not have a XXXX account and have not lived in a service XXXX area since XX/XX/XXXX. Yet, the report states that I was late as of XX/XX/XXXX. I disputed this with both credit agencies and it was removed, then readded in XX/XX/XXXX. I disputed it again and was denied removal. I do not owe XXXX any money and I have never been contacted saying that I do by either this agency or XXXX. The collections just appeared on my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation

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 2020-08-14
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I originally received a letter from Receivables Outsourcing, LLC ( formerly ROI ) XX/XX/XXXX stating I owed {$520.00} due to an unpaid medical bill. XX/XX/XXXX I contacted the company to verify the debt and the amount I owed was reiterated for {$520.00}. I contacted the debt collection agency the bill was sold to XXXX XXXX systems ) and set up a payment plan and the entire bill was paid XX/XX/XXXX. Recently, I had my credit report pulled and the original debt company, Receivables Outsourcing, LLC is reporting a different amount on my credit report XXXX {$590.00} XXXX with the same account numbers that were used to report the amount of {$520.00}. I called Receivables outsourcing, llc and inquired about my account and was informed the new amount of {$590.00} that is being reported on my XXXX credit report is for facility fees, which are seperate from my medical account. Today is my first time hearing about the facility fees and when I asked why I was not informed of these fees in the original letter from them XX/XX/XXXX, or XX/XX/XXXX when I called to inquire and validate the debt amount on my card, I was informed that by that time my account was already reported so it did not matter and they could sent me a debt validation. I beleive the company violating the fair credit reporting act by not including the " facility fees '' in the initial notification XX/XX/XXXX, or via our conversation XX/XX/XXXX, also the company had reported this information to a credit agency prior to notifying me of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midwest Recovery has placed a collection on my credit report but I know nothing about the debt nor have they contacted me with a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Old information on credit report needs to be removed.

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 2021-02-19
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
BBVA credit cards seem to have been stolen in bulk and used in fraudulent transactions from a vendor called " XXXX ''. BBVA has shown in interest in protecting consumer credit card accounts from a data breach and allowed massive fraud to happen. Internet forums have reports of multiple accounts having the same problem, but the bank has no plan to address. 

Concerned that my personal information has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
i wrote a dispute letter XX/XX/2020 about my inaccurate personal info with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
items that was deleted due to proven identity theft have been reinserted onto my credit report for the second time after being transferred back and fourth betweent he same XXXX companies. i also asked in writing for fraud alerts to be removed and they never removed them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Chase bank has put a dispute on all XXXX credit agencies. I have tried to determine what the dispute is for ( we are not behind or late and we are not disputing the balance ) they have not been able to give me a straight answer for this either. The best excuse that I have got from them is ( we filed bankruptcy in XX/XX/XXXX but Chase was not included ) that because of the bankruptcy they automatically put a dispute on the accounts. They want us to reopen the bankruptcy and refile with the bank to remove the dispute. 
All we need is a letter saying there is no dispute, we are trying to refinance with a HARP loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I believe that I am a victim of predatory lending. I have asked several times that my mortgage company Ditech who is servicing my loan for XXXX to provide me my original loan documentation to me for the last six months. As of today I have not received them. I found out last year that I have a 2nd mortgage that 's a thirty year interest only at 9 % for $ XXXX.This loan was originated in 2007. This is unheard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
on XX/XX/2020 i sent a dispute letter about personal information that is inaccurate on my credit report. I still havent gotten a response but an inquiry was added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The PMI for my mortgage is due to expire XXXX 2015. It is still listed on my XXXX statement. I have tried, unsuccessfully, several times to contact Green Tree to ask about this. The XXXX XXXX individuals that I spoke with on XXXX XXXX thought that I was referring to homeowner 's insurance.. I then asked to speak to a supervisor. My call was forwarded and went to voicemail. I left a brief message, and my phone number, but no one returned my call. I called again on XXXX XXXX and asked to speak to a supervisor. None were available. On Tuesday I returned home to find a letter from Green Tree, saying that I had " orally denied that I owed my mortgage ''. That is completely false! The only thing that I denied was their request to use my office phone number to contact me if there was " a change in my mortgage ''. I tried to call yesterday, but when I refused to answer what my intentions are for my home, as I have done for each and every call, no matter how close together, they refused to put my call through. I have tried sending an e-mail through their secure site, but they will only respond via US Mail. This time, when I did try to use their secure e-mail, it would not go through. They list only XXXX phone number. My phone calls are not returned. I am seeking information about the expiration of the PMI, as noted in my original loan documents, on my mortgage before the XXXX payment goes through ( they only use automated payments ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After making on time monthly payments, DiTech has decided to report me late to the credit bureaus. In addition, they continue to state I owe monies that i do not owe. They claim it is due to escrow shortage however, my escrow statement from XX/XX/2016 shows an overage. DiTech states that the payment changed due to escrow changing. Per my contract, it states that the escrow amount XXXX change after the first year, not before I made my first payment. 
In addition, I 've been leaving messages for my DiTech representatives to discuss the matter per their previous complaint response and HAVE NEVER RECEIVED A PHONE CALL BACK EVEN AFTER REQUESTING ONE. Here is a list of dates : XXXX at extension XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX extension XXXX : XX/XX/2016, XX/XX/2016 she stated she submitted a verbal dispute, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX ( manager ) x XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX x XXXX - I spoke to her on XX/XX/2016 and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation