BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph

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 2022-04-25
Company: BSI Financial Holdings, Inc.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to BSI Financial midXXXX. I had been on a Covid19 forbearance at the time that it was sold to BSI Financial. BSI Financial then offered me a modification that I agreed to, filled out and signed the paperwork and mailed it back to them. Since then I have been calling 2 main contacts, 1 supervisor and their HR dept multiple times a day and leaving messages. I have not received any communication of any sort back from them. I do not know what the status of my mortgage currently is. I have also received a pre-default notice in the time that I have been trying to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: NJ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a charge on my BB & T now truist? checking account for {$1100.00} around XX/XX/2020 in XXXX XXXX West Virginia that I did not authorize. I was being overcharged by a gymnastics company named XXXX XXXX. I am in a dispute with the owner of the gym. He kept my debit card on file and charged it. I am not enrolled in any sort of auto pay with this company, I never signed a contract for the amount of {$1100.00} and I never ever gave this man permission to charge my debit card. Ive filed 2 separate claims with Bb & T and they say theres nothing they can do. Nobody alerted me this amount was charged, the bank nor the owner of XXXX XXXX, XXXX XXXX. It wiped my account out and left me XXXX cents. BB & T will not own up to this, they are NOT protecting me, despite showing them proof that I never gave this man permission to help himself to my bank account.

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 2015-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My name is XXXX XXXX, On XXXX/XXXX/2015 I logged onto my online Capitol One Account and requested to close my account. I had no balance due at the time. I began an online chat with a Capitol One associate and proceeded to begin to close my account. Before closing the account I asked the capitol one associate, if I owed anything on the account. He replied " No '' rather he told me that I had credit for {$2400.00} in which they were going to mail to me in the form of a, " credit balance refund check. '' On XXXX/XXXX/2015 I received a check from Capitol One for {$2400.00} and notification that my account was closed. 

On XXXX/XXXX/2015 I was billed {$3000.00} by capitol one for a " CASH ADVANCE ADJUSTMENT '' On XXXX/XXXX/2015 I was again billed {$3000.00} by capitol one for another " Adjustment '' I apparently now owe Capitol One {$6000.00}, 2 months after closing my account and receiving a " credit balance refund check. '' for {$2400.00} from them. May I please add that my account with them had a {$3000.00} CREDIT LIMIT! How can I possibly owe them {$600.00}?? Now my credit is being affected, I do not know what to do and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house mortgage was about to go into forclosure, but went into court mediation instead, so that a new payment plan could be done with a loan modification. Well, XXXX XXXX was to be the first of 3 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) trial payments. Ditech, ( the company ) never furnished a payment plan to me, my lawyer or the court. They could n't give a fair answer for the delay.So now this payment plan is in limbo ... plus there are other pending issues like charging me their home insurance when I showed a number of times I had my own insurance..Still on the " bill '' plus late charges while they wait on giving this payment plan, and while interest rates are going up ... I need Ditech to give me the plan so we can get this done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX ,  2016     Opened Date  XXXX  {$320.00} . I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX     2016,   Opened Date.   XXXX   XXXX  {$610.00}. I was told that i was no longer liable for this credit line.

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 2020-03-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I believe this is an old debt not owed to XXXX XXXX XXXX from approximately XXXX. I had internet service with XXXX XXXX XXXX and they had authority to deduct payments from my bank account. The consumer shut-off my service and still continued to take the money for several months. I called them regarding this and they still kept taking the money every month. I contacted my bank and provided them with the information for a claim, immediately they put a freeze on the company from removing anymore funds, and started an investigation. The bank concluded the investigation and returned all the funds they had taken for the months my service was interrupted. I returned their equipment via XXXX XXXX and the boxes they provided. 

I have spoken with ERC, another collection company, XXXX XXXX XXXX, also the Credit Bureaus to remove this erroneous information from my account. On XX/XX/XXXX I received another letter from ERC to collect a debt not owed. I have made several attempts to rectify this problem and as ERC has purchased a bogus account they feel I should pay anyway, as this has been stated to me. This is unfair practices and the threats need to stop also XXXX XXXX XXXX needs to be sure there isn't a problem with the debt account they have accrued due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Servicer Ditech Financial ( my servicer ) initiated a non-judicial foreclosure with XXXX and stated that the XXXX was the owner of the loan. Back in XXXX I was in direct contact with an executive at the XXXX and stated that they did not own the loan or the property. Now 2 years later they are advertised as owning the loan Also per Georgia XXXX is suppose to advertise the sale for 4 consecutive weeks PRIOR to the sale date. They started advertising the sale on XX/XX/XXXX and the sale is scheduled for XX/XX/XXXX ILLEGAL ACTIVITY nor did they allow me the time to dispute the debt prior to the 30 days applicable per federal law BEFORE advancement of collection and 4 consecutive weeks of advertising prior to the sale state law ILLEGAL ACTIVITY Also I dispute all parts of the debt and I need Ditech to send all documents that prove XXXX owns the loan and I owe XXXX to the servicer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Follow up to my complaint XXXX. I still do not have proof that the returned monies from XXXX XXXX, MD have been credited to my escrow account. I need written proof that these monies have been returned to my account. New complaint : I have XXXX escrow analysis, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, none of which are correct. They all have incorrect information on them stemming from the original problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased our home in 2007 and at that time P.M.I. was required. We were told 2 years of perfect payments and it would be removed and found out that was a lie. We have requested many times it be removed from our loan and they refused too. At their request, we had our home appraised by their appraiser and when it came back, we were at XXXX % L.T.V. and we are required to be at XXXX %. When we requested it be removed they told us it had to be at XXXX % so we offered to pay it down to the XXXX % L.T.V. to have it removed. They are now telling us it is based on the " original '' amount of what the home was worth when we refinanced a year ago! This is NOT what the law states! They are claiming the value of the home was {$230000.00} when THEY refinanced it for {$240000.00} so they are claiming to have advanced well over XXXX % L.T.V. at that time! We feel they are and have been taking advantage of us and need it to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Card Issuer : American Express Card Product : XXXX XXXX XXXX   There was a promotional signup offer for {$250.00} as a statement credit after spending a specified amount ( {$1000.00} ) on the card within three months of approval. 

The spend threshold was hit within the stated period but no statement credit was issued ; a complaint was submitted to American Express three months after the date the threshold was hit. It has been another two to three weeks since the initial complaint was submitted, during which time there have been multiple contacts with the company, still with no resolution. 

There have been multiple promises to resolve this issue, including an explicit indication that it would be resolved several days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AR
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:
PLEASE REMOVE!!!

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 2020-12-09
Company: CHECK INTO CASH INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls from XXXX with message from XXXX XXXX. I returned the call today XX/XX/XXXX asked to speak with Mr. XXXX, he was busy so XXXX XXXX continued with the call. He stated that they are confirming a court appearance for me on XX/XX/XXXX regarding charges on claim with Check into Cash. I asked my intent to pay, make payment arrangements etc. I asked if they have sent me a validation or if they could do so as I was not familiar with this creditor/debt. He immediately hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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: Information belongs to someone else

Complaint:
XXXX IS ALLOWING AN INACCURATE ACCOUNT TO REPORT ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: CA
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:
My credit scores and credit report is not allowing me to purchase a new construction home with my VA Benefits. 
Experian, XXXX and XXXX  are reporting Negative Derogatory items that has been in Charge off XXXX loan and XXXX XXXX XXXX XXXX XXXX. 
Federal Complaints was filed against XXXX and XXXX. 
There is also Unauthorize inquiries on my credit report. 

I can not obtain a VA Loan with the Derogatory remarks on my credit report. 
I have been Discriminated and Retaliated because of filed complaints against financial institutions and Credit Reporting Agencies.

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 2016-06-24
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a Deed in Leiu from them since XXXX 2015. They keep sending me the same paperwork to fill out and nothing gets done. Every few weeks they send me a letter telling me I have a new account rep and the process starts over. I have had XXXX different people tell me they were sending the Deed in Leiu form for me to sign the property back over to them but they paperwork as never arrived and the new accout rep does n't see notes from all the people I have talked to before. The loan was forgiven in my bankruptcy but they are just giving me the run around and constantly harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
XX/XX/2021, I always got paper statements on this account. Once I paid it, I didn't receive another bill, but shortly after, I got a 30 day late on my credit report. When I called to check what was going on, they said I had an {$8.00} interest charge on the card that wasn't paid. I begged for this to be removed - there was never a bill stating I owed anything else, as I of course would have paid it. This was such a small amount and this is the only negative mark on my credit report. I have had this card for over 14 years and NEVER been late. I was never notified that I owed anything else and I tried to work with them on this and they wouldn't do anything. To top it off, I paid this card in full during the pandemic. I can't believe i was penalized during this time of crisis in our country. It is effecting me in every way today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Applied for a loan with Ditech mortgage and have not received anything in writing from them. I did talk with XXXX XXXX and he said that it had been declined and they were looking into another loan situation for me. To this day I have not heard anything. 
I called and left several messages for a supervisor by the name of XXXX XXXX @ XXXX in the refinance dept., but I have not received a call back. Also the person that took my application by the name of XXXX XXXX will not respond to my calls. 
Can You please help me get a letter of status concerning Loan # XXXX with Ditech Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
My mailing address is XXXX. XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I bought a manufactured home in XX/XX/XXXX. It was financed byGreen tree finance Co. address is XXXX XXXX, XXXX. 
XXXX XXXX , XXXX. XXXX, XXXX I filed Chapter XXXX bankruptcy on XXXX home was exempt from them ever trying to collect this debt. I thought. I kept the payments to date until XX/XX/XXXX, my wifediedsuddenly in the living room. After that I could n't live there any more. 
The Co started calling me on XX/XX/XXXX, that has been going on now for 14 years and they have had a derogatory report on my credit file for 14 years. I lived in this home in XXXX, and lived in it in XXXX. 
I have tried to talk to them about this account a few years ago and I was told that this will stay on my credit report until some time inXX/XX/XXXX.I have a paper the Federal court Judge stating that they ca n't ever try to collect on this debt or call me Can you please help me get this resolved. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX transferred servicing to Greentree but did not notify me properly of the transferring. XXXX previously notified me that they were transferring the servicing and subsequently sent me a letter notifying of the cancellation and disregard the letter. I paid XXXX through XXXX until I received a return of payment. I contacted Green Tree who stated they had received transferred payments from XXXX and my servicing had transferred since XXXX 2015. Green Tree requested I pay the XXXX payment although the payment had been made to XXXX thus I have made XXXX payments in XXXX month. As of today the payment has not been transferred and I was required to make a payment. This property is on an active Chp XXXX BK but when speaking to the Green Tree representatives, all of them today due to transferring back and forth XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX ) she stated that the property showed the stay had been lifted. On further investigation she advised the stay was associated to another property. Therefore second inaccuracy is being reported erroneously on my credit and not paid as agreed and I am receiving collection calls in violation of the Chapter XXXX BK. I contacted XXXX and spoke with XXXX XXXX XXXX who confirmed my XXXX payment and all prior payments had been transferred to GreenTree. He is investigating. He could not confirm the supposedly relief of stay that Greentree indicated XXXX had provided but transferred me XXXX XXXX who after my explanation asked to place me on whole and the call was disonnected. I recalled and spoke with XXXX XXXX who stated their records show no motion of relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I paid of my mortgage to Ditech on XX/XX/2016. On XX/XX/2016 they debited my checking account for {$1500.00} for my regular payment. I called Ditech and demanded they return my money. After several calls they refused to return my money immediately and told me they would issue a refund in 30 days. If I had taken their money and held it hostage for 30 days I would be in jail. The took the money by ACH transfer because I had set up automatic payments but the account was paid in full by wire transfer and closed on XX/XX/2016. 
I want my money returned immediately. But if not and there are no consequences for Ditech, I want to know if I can do the same thing and that nothing will be considered illegal or theft. 
Thanks, XXXX XXXX

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