BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wanted to refinance my loan with XXXX and also to modify my loan with them. As soon as they saw that we wanted to do that they sold the loan to bay view loan services. As soon as the loan was sold we found ourselves with people that came to do appraisals of the house without calling or making appointments. Then we had to pay XXXX appx in late fees that the company could not provide proof of. Then they opened an escrow account in our name without asking permission even though all our taxes and insurances are paid through XX/XX/XXXX and late XX/XX/XXXX. I attempted to call them XXXX times .i left messages only got voice mails. Then when I finally got a hold of a person when I told him that if the issue of the escrow account does not get closed I will inform CFBP he put me on hold and never answered the phone anymore. After on hold for over XXXX. Minutes I had to hang up the phone. 
Last year we subdivided the property. XXXX mortgage signed off on the subdivision. Now I have a mortgage covering XXXX properties which the bank does not recognize that are XXXX properties even if the county has XXXX different apn numbers. This new lender send an appraiser to do an appraisal on the old property ... ... which he did it incorrectly for the bank ... so he provided the bank with false information ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: WESTERN UNION COMPANY, THE
State: OK
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
sent money to a security company money, through western union they say it was received or was picked up but not to the person sent to did n't receive it the only solution they could come up with was western union got hacked and stole it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Without my knowledge or consent, Ally Financial forced me into electronic billing and requires me to log in to their website in order to see my statements. No notice or statement was sent out for my payment due XX/XX/2016. Based on prior experience, the due date shifts around. Today is the first day in over 60 days I 've received any communication from Ally which was by email, saying I need to log in to see my next statement due in XX/XX/XXXX which will have a late fee. 

When asked for licensing information I was told they do not provide that.

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 2016-12-13
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
While discussing the debt the agent repeatedly refused to provide details on the debt until I provided information about myself. They also requested details about financial arrangements with third parties and insisted I provide the information before proceeding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion continues to post a report of a duplicate negative report from XXXX XXXX XXXX Transunion # XXXX despite my continued complaint that this account is in Arizona, and not XXXX account. I have no account with XXXX XXXX, and I owe NO money to XXXX XXXX. Arizona is the originator of the account, and should be the only XXXX reporting to the credit bureau. See attached XXXX credit report showing the reporting of the account which was also reporting twice the same account. This was recently cleared up. I was just turned down for a credit card with XXXX on XX/XX/2016 due to my credit. See attached. This incorrect posting of this account can affect my job prospects as well. The facts are that I have overpaid my Arizona child support by {$8000.00} plus dollars, but that 's another story. Please take into account my XXXX years of military service of this country, and how I must feel being unfairly punished by this misreporting, and seemly impersonal process by Transunion.

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: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan out with this company more than a few years ago. I was in an accident and the vehicle was totaled. I had full coverage insurance along with full gap coverage. I am now getting letters saying that I still owe this company money on said vehicle. I have called several times to find out what and why I owe them money. The first few years they where telling me it was unpaid deductable. Which according to the insurance company was not the case. I have recently called trying to get answers to have this resolved and they are now trying to tell me this is for unpaid payments from the time of the total till the claim was paid? I asked them to please show me when and how much the payments where for and to explain why and how much I owe. They are unable to furnish this. All they ca ngive me is a total of what thy say I owe. I want this to be removed. There is no way I can owe them anything. My insurance says it was paid and the gap should have covered the rest! Im at my end with this. Please help.

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 2016-08-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am a XXXX XXXX XXXX woman and did not understand the usury interest rates that these people charge I made a transaction for {$2600.00} and have paid them {$2000.00} I have a financial cresis at home and can not continue to pay these usury interest rates for the rest of my life of 500 %

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts on my credit report that are a mixed file or fraud. bankrupcy legal team and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was on a payment plan with Target. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX TransUnion correct my credit report and that made my credit score go up. 
And now it has not been a year and my score is low again. It is low because the same infor-mation that was incorrect is back on my report. I informed TransUnion that several accountshad been paid by me or the account., Is not mine. I have not heard back from them. How canmy credit score go from XXXX or XXXX in XX/XX/XXXX and now it is XXXX and it has not been a year. And then the report I received XX/XX/2015 by mail did not match my oline -report. And it said I only had ( XXXX ) Adverse Account What is going with their investgation? 
Also, my report XX/XX/XXXX had to do with medical payments my insurance companytook their time paying. I have no control when Insurance companies pay their bills. 
And this XXXX XXXX XXXX account is because my insurance company never paytheir bill. And this Hospital is known for putting bills into collection very fast. Withoutinvestigating the facts. 
Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
One of the addresses on my report is incorrect.

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 2015-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My husband and I owed back taxes in the amount of XXXX we have since than paid it all back. I had a company called XXXX help me to try get the lien off my credit report after it cost me XXXX and it was taking so long for them to help me I decided to reach out to you for help. TransUnion is still showing the lien on it so can you please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
my XXXX credit card account was transferred to Citi without my permission or knowledge. My american express was on quto pay for many years. Since I was not inforrmed by Citi that my balance was transferred to them and I never received a bill or statement from citi my payment was late and citi sent a late payment to my credit report. Meanwhile my autopay to XXXX was made. When I found out about this 6 days after my payment was due to citi I called them and they said there is no grace period and I was out of luck, my credit report will show the late payment. I thought there was a 60 day grace period when credit accounts were transferred from one creditor to another but citi said no. I would like citi to remove the late payment fee and to remove the late payment from my credit report. the payment was made in full right away on the phone when i called citi and found out about this problem

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 2016-07-25
Company: Hunt Leibert Jacobson, P.C.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hunt Leibert Jacobson P.C. ( HL ) has filed a foreclosure complaint in the XXXX Ct Superior court without the validation/verification required by the FDCPA, which was clearly requested by me, a defendant. In the summons they attached a letter stating they would not proceed until validation was given. They went ahead and have filed suit, months have passed with no validation. In a previous foreclosure on the same mortgage the court ordered the same plaintiff to file a new complaint and SHOW INTEREST. They have filed the complaint without showing interest. Per FDCPA the mortgage and note were rescinded and the rescission recorded on the land record in 2009. Plaintiff knows this from being served the rescission and from the previous court case that they withdrew. The supreme court is clear that the Federal Statute renders the mortgage and note void, and that disputed or not, it stands. TILA is clear a suit must be brought within XXXX, to dispute the rescission. HL and its attorneys are using the court to steal a property, knowing the mortgage and note have been void for years and further ignoring their letter that nothing would go forward without validation. Validation is legal impossibility with rescission. Foreclosure is a legal impossibility with a void mortgage and note. 
Connecticut requires a foreclosure case to move every fourteen days, the case is sitting there with no activity as there is no validation and no interest shown as required by the court. 
HL will probably file a default and a motion to foreclosure for failure to plead on the part of the defendants, when the plaintiff has not complied with federal statutes. Defendants should not have to plead when HL said it would not go forward with the case. I can not be in default on a void mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I used a credit repairing agency called XXXX XXXX to clean up some items on my credit report that were dragging my credit score down after my bankruptcy. They dispute an item with a vendor called XXXX XXXX cause there was a late payment on my file which was valid but they disputed it anyway and the credit reporting agency Transunion removed the account from my credit report. I have been going back and forth with Transunion and XXXX XXXX to get this back on my credit report. Transunion keeps stating that XXXX XXXX needs to contact them to have this added back on to my account. I spoke with XXXX XXXX on XXXX/XXXX/2016 spoke with XXXX who stated that they show my account is reporting to Transunion and XXXX. We contact XXXX and they show this account reporting. Previously on XXXX/XXXX/2016 I pulled my Transunion credit report and did not show this account reporting. When me and XXXX XXXX attempted to contact Transunion via XXXX way to resolve this matter they stated they could only talk to me and so when I talked to them they once again stated they do not show the XXXX XXXX account reporting and that XXXX XXXX would need to contact Transunion marketing department to have them resolve this matter. This morning I contacted XXXX XXXX to tell them what I was told and spoke with a Supervisor in the Escalations Department who told me the investigation is closed and that there is nothing more they can do. I 'm trying to purchase a home and need this account to be reporting for credit sake. Also Transunion refuses to work with me on this matter and also another matter inregards to my car loan. I have a car loan with XXXX the issue was since I filed bankruptcy it was reporting closed and part of bankruptcy. I disputed this item and Transunion removed it from my credit report. XXXX has contacted them and we have both sent papers in writing stating that I reaffirmed the vehicle and that the account should reflect active open with no late payments and reaffirmed. Please help I have been dealing with this matter for almost a year and a half and have no where else to turn. thanks

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 2015-04-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The plaintiff Bayview Loan Servicing , LLC the making illegal summons complait to foreclosure with doubt posting a residential {$100.00} Bond. 
The complaints was not proper verified and notarized. 
The Assigment of mortgage have comflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Credit determination

Complaint:
Today I applied for a Sears MasterCard and was given a number to call XXXX application number XXXX. So I called the number and spoke with a representative stating the reason I was denied was due to a recent Sears card. I inquired for the dates and numbers. I was then transfered to the recovery unit. I filed bankruptcy in 2010 and Sears was included in my bankruptcy. Except when I spoke with the recovery unit they explained to me that I had XXXX account with them and they were sold to an collection agency. He did not give the name of the agency just a contact number. The Sears accounts were included in my bankruptcy and Sears should not still have me in a recovery status. At the time of my application I should have been approved not denied due to a previous bankruptcy. I have been approved for other cards with this company and not denied. So the recovery unit needs to un-flag my name because it has been 7 years since my bankruptcy. The collection name at the time was XXXX XXXX XXXX and both accounts are in my bankruptcy. Why they were not notified I do not know.

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 2015-03-31
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
XXXX credit card. I use this card to buy a XXXX last XXXX XXXX $ in XXXX. When I pay it use this card, I choose 6 month no interest, buy I keep minimal payment each month. After 6 months I send a check XXXX $ pay out all expense, but it come out late fee on my statement every month, till XXXX $ last statement after wife write a check pay another XXXX {$.00} 50 {$.00} XXXX $ total more than XXXX {$.00} because she just following the statement wrote another check payout all balance. This month, the statement come to my hand, I found this mis-statement with another 187 {$.00} they still keep count late fee and interest on 0 spend and o balance. the XXXX $ was count from my XXXX purchase plus late fees and interest from every month that should not charge ( I did 6 month no interest with minimal payment plus payout check XXXX $ ), but they just simply ignore all payment even over paid. I just want them to pay me back and close my account, and ask you to do an investigation to shut down their business in case they continue to steal money from people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We would like to reopen CFPB complaint case XXXX because the representative for mortgage holder XXXX XXXX XXXX : Bayview Loan Service 's response of XXXX XXXX, XXXX XXXX see attachment ) to the original complaint was a lie : ( 1 ) Their representative, XXXX XXXX XXXX XXXX informed us in XXXX of XXXX our title was clear, and that there would be no further issues regarding our permanent modification. 
( 2 ) He wrote in his response to you, which we received a copy of : " Once XXXX XXXX completes the final trial period payment [ which he did XXXX, XXXX XXXX will be mailed a loan modification agreement containing the loan modification terms detailed in the TPP notice as mailed on XXXX XXXX. '' ( see attachment ) ( 3 ) However, we just received an outstanding lien notification from Bayview dated XXXX XXXX ( see attachment ), stating there are XXXX liens in " Exhibit A '' ( see attachment ), and if not satisfied, the loan will be submitted to " modification denial review '' or foreclosure. This was sent after the time period in which our case with the Consumer Financial Protection Bureau was closed, on purpose no doubt. While we have fulfilled all terms of the trial agreement in a timely fashion, Bayview has not fulfilled theirs. No modification paperwork has ever been received. 
XXXX 4 ) Of the XXXX liens submitted to us as " Exhibit A '', XXXX are obviously bogus ( see attachment ) : & gt ; XXXX are from the State XXXX which date to a time when we resided in XXXX State and did not own this property. XXXX dates to XXXX while the other to XXXX. We purchased this property in XXXX. 
& gt ; XXXX are liens on a XXXX XXXX XXXX and a XXXX XXXX XXXX. My name is XXXX XXXX XXXX. Additionally, we do not recognize these XXXX so-called liens as being legitimate in any shape or form. 
XXXX XXXX XXXX XXXX of Bayview lied about our title being clear in the first place, and further, piled bogus liens onto our title. They have a history of playing tricks like this, and apparently are doing the same to us. This link leads to XXXX, XXXXstar reviews of Bayview Loan Services on Consumer Affairs XXXX Those reviews indicate a history of trick-playing stunts like the XXXX Bayview is currently trying to play with us. 
As supporting documentation, I have attached the following : ( 1 ) Bayview Loan Servicing , LLC 's original response to our original complaint, dated XXXX XXXX, XXXX. 
( 2 XXXX Bayview Loan Servicing , LLC 's original proposed modification terms, dated XXXX XXXX, XXXX. 
( 3 XXXX Receipts indicating I fulfilled the modification term requirements, dated, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, respectively. 
( 4 ) The most recent communication from Bayview Loan Servicing , LLC, which now states there are liens on the property, XXXX of which are definitely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MI
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I had a payment schedule set up with checksmart. They kept presenting my check to the bank. Cost me numerous fees and now my account is overdrawn significantly. Called corporate office of checksmart. Reps were demanding, condescending and rude.

Company response to consumer: Closed with explanation