BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-31
Company: Paypal Holdings, Inc
State: SC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/15 I went to the XXXX XXXX XXXX and download the venmo app so that a friend could send me money. after I downloaded the app I link my XXXX XXXX XXXX account to the venmo account and successfully verified it by following the venmo procedures. To do this Venmo deposited {$0.00} and {$0.00} into my bank and withdraw it back out. So I transfer the {$250.00} my friend had sent me to my bank. venmo even sent me a notice saying my transfer was complete and the funds would arrive on the XXXX. The next day I look at venmo and see a notice saying my transfer had been cancelled and that the funds have been returned to my venmo but my balance was still XXXX dollars. The funds were n't in my bank either. So I wait to the XXXX to see if they would show up in my bank and they did n't. since then I 've sent about XXXX emails to XXXXXXXXXXXX and spent 10 days scouring the internet trying to find a number for this company. Instead I find a whole bunch of people who have been robbed and scammed out of their money just like me. I found these people on gethuman.com and on the venmo XXXX page. Some lost thousands some lost hundreds. I 'm attaching screenshots to prove everything I say but these are just a few others out of hundreds I found. Also I found another app square cash that 's also owned by paypal just like venmo and both companies are robbin people XXXX. I did eventually find a number XXXX and I left XXXX voicemails since Monday but no one has called me back and no one has responded to my emails except for the automated system saying that they receive my complaint and will check into it. I did get XXXX response say my account needed attention from another teen but they could n't provide me any more information. I just want my {$250.00} set to my bank.

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 2015-11-17
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed a home phone bill with the XXXX major credit bureaus and Debt Recovery Solutions, a collection agency for the original creditor. It was settled in my favor and deleted with the credit bureaus and Debt Recovery Solutions did not respond. After the credit bureaus deleted the debt from the last of my XXXX credit reports, Debt Recovery Solutions began to send NEW correspondence, as if it had not been disputed. They continue to threaten to report it even though it has been one year this XXXX 2015, since the first disputes to the credit reporting agencies. They say I am ignoring them, but I have already provided my dispute to the credit bureaus, now I feel like I am being harassed. I have read how they were sued and lost in court for harassing someone this year. Debt Recovery Solutions is XXXX XXXX XXXX XXXX, XXXX, New York, XXXX, phone XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
There is a lien on title showing from Ditech. I have contacted numerous people at Ditech and have yet to come up with a resolution. The mortgage was refinanced and we faxed over the HUD that paid off Ditech almost 4 weeks ago and have yet to get anything resolved. I am in the process of refinancing my house and with this lien on title we can not move forward..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regardless of how early a payment was mailed, according to Green Tree it was always late. When contacted the represenative would always state that Green Tree could not be held responsible for an untimely payment. After many unfair late peanlties the Green Tree represenative insisted that I allow a payment be deducted directly from my bank accout. I gave my permission for a one time deduction but this same represenative deducted XXXX payments in the same month when only one was due. As a result I incurred over draft fees both from the bank and other vendors who had valid claims againist my bank account. The situation esculated to the point I had to close my bank account. When I called Green Tree no one there would discuss the matter with me and I was never compensated for any of the cost I incurred as a result of the Green Tree represenative 's illegal behaviour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by Mountain Land Collections multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with their attorney XXXX XXXX XXXX, filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.

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 2016-06-06
Company: Dream Center Education Holdings
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was aloud to continue with school while waiting to get a response for my XXXX. I had been approved for it the previous XXXX times I applied but this time was taking longer then normal to get a response. When asked if I should temporarily withdraw, I was told no, they could n't promise me a spot when I returned. Because it was denied ( with no solid reason to do so ), I was forced out of school unless I came up with XXXX XXXX that day to cover what classes I had already taken. I never once signed anything agreeing to pay this amount nor agreed to stay in school if student aid could n't help me. I feel I am being tricked into this by XXXX XXXX and even after many attempts to get a solid explanation to their decision. I am not entirely sure who else I can turn to at this point or what I can do. I do n't have the money for a lawyer and now am being sent to collections. I filed an appeal with the school, heard nothing then received a paper in the mail from a debt collector. After contacting the collection agency, I informed them about the appeal, they contacted the school which in return told the agency they had never received an appeal. Two days later, I get a phone call from the director that she did get it, denied it and was sorry that nothing was sent out to inform me. Like I said, there are no signed documents from me agreeing to take out any such loan through XXXX college. When asked to see the XXXX, I was told they did n't keep them on file, after contacting XXXX, they do n't have it on file either since it was never filed to begin with AND apparently do n't keep XXXX over a certain amount of time. I have copies of all documentation between the school and myself regarding my past overrides that were approved and the paperwork about the one that was n't approved. None of it makes sense. Please help. I am now XXXX of dollars in school debt over a degree I was 3 months shy of getting because of something the school decided that was completely out of my control. 
The campus is located in XXXX, Ohio

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
XXXX XXXX XXXX - XXXX is reporting erroneously on my credit file. I had previously placed a complaint and I have a few issues with the response. 
As previously stated I set up my account with auto pay as I do with all my accounts to avoid any late payments and when I checked my credit file I noticed a XX/XX/XXXX late. When I noticed this late I called and paid it immediately and even paid a couple month in advance to make sure this issue never happened again. XXXX did not notify me of this late until the late notation had already been reported to my credit file. As a customer who makes ALL of her payments on time this was very disappointing because I had no idea of this late until it ruined my credit. If I would have known there was some sort of issue with my auto draft I would have fixed it to avoid this late notation. I am asking that you please remove this late as a one time courtesy for your long time customer. 
In their response they stated they had a ( 1 ) 60 day late for me and ( 1 ) 30 day late. When I check my credit file I only see the 30 day late for XX/XX/XXXX. NOW this late is being reported for XX/XX/2020. Why is it that they can not remove the erroneous reporting but they can move the late around on my credit file??? 
They stated they made several attempts to contact me but I was not contacted and was not aware of this late until I checked my credit file. AFTER this I received a notice in the mail but the account had already been taken care of. Why did XXXX wait so long to notify of the delinquency? 
I do not appreciate the lack of communication from XXXX and demand the late be removed from my credit file. This is not my fault, I was under the impression that my payments were being made and was not told otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Account was sent to collections ( National Credit Adjusters ), account was sold to XXXX XXXX XXXX. Account was paid, neither NCA or XXXX will report information to credit repositories. Disputed account with supporting documentation ( receipt from XXXX ) and NCA still reporting account unpaid - been 60 plus days and disputed account and NCA does not own account - sold to XXXX and is paid. Serious Violations of FCRA. ( did not receive right-to-dispute from XXXX and NCA not deleting account on credit report and acting as unaffiliated third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Capital Markets Cooporative, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Original loan required PMI insurance due to the slow turnover in our neighborhood and poor comps for home value. After 2 years of perfect payment history we paid for an appraisal and CMC Funding/XXXX would not consider it for removal of PMI. Our original loan was made with XXXX, however the loan was sold to CMC Funding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: DriveTime
State: WY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
There is a repossession from DT Credit on my XXXX credit file that does not belong to me I contacted XXXX and DT Credit and they are not helpful about removing this fraud 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 2016-11-07
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2016 I received a alert about a XXXX account added to my credit report. I have no collections on my accounts and all my account are up to date. The company is named XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The amount is for XXXX I never received notices to contest this account. I submitted a complaint with the XXXX of XXXX XXXX. XXXX and the BBB. This company just posted this account on my credit report without due process of validation of ths debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Looking at my credit report there is a loan I did not get.I called XXXX XXXX corporate office, talked to a XXXX and a supervisor after much investigating they could not find anything with my social or name.They asked me to call Midwest Recovery the collector, The woman XXXX was very rude, when I told her my situation she said XXXX would not have my information cause the loan was sold.I asked when and where the loan was taken out she said XXXX XXXX my well I have never been there, after several attempts of going back and forth XXXX XXXX advised me to file with 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 2016-06-15
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My husband and I have a lot of student loans from his time in XXXX school. We are both employed and are working hard to pay them off as quickly as possible. We would like to refinance them in order to receive a lower interest rate. In order to refinance, I need to obtain copies of current statements of all of our loans. With XXXX of our lenders, this was a very easy process, and I was able to retrieve the statements electronically on the website. But with the other lender, I was not able to retrieve the statement for myself. After a lot of searching, I finally found instructions to email customer service. I did so on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a response stating that due to their policies and because our account was on autopay, they would not be able to email or fax a statement to me but would send one via postal mail. I was not provided with any further detail on this policy or with a copy of the formalized policy. I was told, " I have generated a statement for you, however this statement will only be generated through standard US Mail. Please allow 7-10 business days for the statement to be received by mail. '' On XXXX XXXX, the 10th business day after this exchange, I still had not received a statement, so I emailed customer service again. I was told that the original email was not intended to communicate that a statement was actually generated on XXXX XXXX ; rather, a statement had been generated on XXXX XXXX, and I should expect it within 7-10 business days from XXXX XXXX. I have not received any acknowledgment that I was misled in the original email other than customer service saying that they are sorry that I misunderstood. XXXX XXXX, yesterday, was 10 business days from the second date I was given, and I still have not received a statement. Throughout my emails with customer service, I have tried to clearly express exactly what is the cause of my frustration and have received only the tritest replies. I have never actually even been given the name of the person responding to my emails ; they are all signed " Thank you, XXXX XXXX. '' I find it absurd that 1 ) I was not able to retrieve the statement myself, and 2 ) it is now nearly a month since my original request, and I still have not received a statement. I need this statement in order to refinance our loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022.

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 2016-08-31
Company: ACS Education Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I started making payments in 2007. My balance has been {$26000.00} ever since. ACS is the website I make payments and XXXX must be servicing the loan. I 've paid {$11000.00} over the years, {$9000.00} toward interest, and {$1400.00} toward my balance. If you do n't see anything wrong with this, how do you sleep at night! Do I really need to say anymore? {$9000.00} in interest? {$1400.00} to Principal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
helloI need your help.. 
I had checking account with Scottrade bank. On XXXX 2014, i saw some usual transaction from my account so i called in and filed dispute on those transaction, it was around {$1000.00}. then later on bank send me a letter saying they denied dispute and they took the money from my account. and i found out my sister used it, i gave her card number in case of emergency. so i did n't bother to call bank again and totally forgot about it. till last week, i was checking my credit score since i am applying job, I found i have XXXX collection against me. so i called in and found out this collection was for that dispute i filed last year. so i explained to them this fund is paid, bank took money from my account and release the fund to merchant. I called in the bank and tried to get the statement so i can show the collection agency. Bank put me hold forever and told me they need to do some investigation and need to call me back. i said ok. I got the phone call 2 days later, they said they are really sorry, and they did n't realize they still have those money with them and they will send XXXX XXXX something dollars check to me today. I asked them how come they kept money more than a year and half and never notify me or merchaint about this, and they said there were some confusion. they should 've let me know but they didnt. I moved last year, and i did n't get the collection notices too. Now i need to pay {$1500.00} after all those late fee and interest charges in order to remove the collection from my credit report because they were confused and forgot the notify me that they did n't release the fund to merchant and or me. and accusing me it is my fault originally because i filed dispute. i am so frustrated why it is my fault. they probably kept the money forever if i did n't find out. i do n't understand how can bank make this kind of mistake. its not XXXX cents. it is over XXXX dollars. they need to take the response and take care of this matter. 
Pls help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Medical bill in a payment arrangement. Was sent incorrectly to collections by original creditor. Called & let them know I was in a payment arrangement & it was mistakenly sent to collections. Original creditor corrected on XXXX/XXXX/XXXX, report was sent to collection agency XXXX/XXXX/XXXX & I received another letter on XXXX/XXXX/XXXX. I called the collection agency XXXX/XXXX/XXXX & they said I still had an active account in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
About 5 years ago I applied for a Credit Card XXXX Bank of America because they had a promotion going on for a Bonus after meeting the minimum spend amount. But Bank of America didn't honor that promotion for my account. I tried finding a solution with the bank 's Customer Service but they still denied the promised Bonus. The Bonus amount advertised was for {$200.00}.

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 2016-03-31
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been seeing this on my credit report from MCM, Midland Credit Management regarding over {$1300.00}. I still have n't received a verification of debt and I do n't believe this is legitimate.

Company response to consumer: Closed with non-monetary relief