BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-03
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I signed a Quit Claim Deed relinquishing all interest in real property located in XXXX, Washington in XXXX XXXX. My then husband, XXXX XXXX XXXX, DOB XXXX/XXXX/XXXX, subsequently filed for individual bankruptcy later the same year. Due to refinancing the subject property during the ex 's bankruptcy proceedings, XXXX different finance companies related to the refinancing put the ex 's bad debts on my credit report because they knew they could not touch him. This is fraud and grounds for a lawsuit. I sent letters to XXXX, XXXX and XXXX demanding they remove these fraudulent debts from my credit record and received a response from LVNV Funding , LLC, one of the refinance companies involved with the ex 's property. They sent me a " verification '' form which they think I will take as a valid, legal debt on my credit record. However, I have been a paralegal for going on 24 years now and I do not fall for things like that. I am drafting a Complaint against LVNV Funding , LLC, all of their affiliates and XXXX XXXX ( the original account holder ) which I will file in 30 days if the fraudulent debts on my credit record are not removed by then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This is in reference to a delinquent credit card account, Verve Card. The debt collector, XXXX XXXX ( the name they gave me ) have called me numerous times threatening me that they will suspend my drivers licenses and vehicle registration, they will put a lien on my property, will take me to court and threatened to have me arrested for fraud ( which it is not fraud ). They call from several different numbers and even call from local numbers. In every call they repeat the same threats. I told them to email the information to review it and not once have I received the email. Nor did I receive any documents in reference to the account. I have taken the steps and contacted Florida Dept of Motor Vehicles and they confirmed that debt collectors could not suspend licenses/registrations. I am fed up with being harassed by this company and their employees.

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 2016-01-22
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CCSOffices.com, they ask for my husband. They give me no information. XXXX and I have racked our brains trying to find the debt. We do not have any debts in collections. I googled them, they have an impressive list of complaints as : Zombie Debt Collectors.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech is reporting a late mortgage on my credit report. I have never had a mortgage or any account for that matter with Ditech. I called them to resolve this issue and was told all I can do is dispute the account on credit. I asked to speak to a manager several times and was refused. This is holding up financial matters I wish to persue. I need this taken care of ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Financial Credit Service, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
For the past two yearsAsset Recovery AssociatesPhone : ( XXXX ) XXXX Box XXXX, XXXX XXXX, IL XXXX XXXXww.arainc.usHas been calling myself, family and third parties at my employment threating regarding a debt not owed. This might be identity theft. However they will not respond to repeated demands to stop harassing. This has escalated to blatant fraud on their part by pretending to be calling from court clerk and local police using an APP that fraudulently shows the phone number of those agencies. I have contacted those agencies to verify that no messages where sent from those numbers. The main complaint is that they are contacting myself, family members and persons at my employment for debt not owed, will not provide details on the alleged debt when asked, threaten that the police are on their way etc. I believe these tactics go beyond civil infractions to criminal fraud by impersonating government employee 's and agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I mortgaged ( through a HARP loan ) my property located at XXXX XXXX XXXX in XXXX, RI to Green Tree XXXX and had my taxes escrowed. Taxes on this property are $ XXXX/yr. ( $ XXXX/quarter ). An amount of {$350.00} was transferred from the previous lender into the new escrow account. Monthly escrow was set at {$180.00}. XX/XX/XXXX they paid the quarterly taxes of {$560.00}. In XXXX they paid the quarterly taxes but in the wrong amount. They paid {$580.00}. The tax collector called me and alerted me to a problem. I called the bank and I thought it was all taken care of. 
XX/XX/XXXX they paid {$560.00} which was the correct amount. But in XXXX they paid {$1100.00}. The amount they paid was a combination of my XXXX properties. Again XX/XX/XXXX they paid {$1100.00}. XX/XX/XXXX I received an Escrow Disclosure Statement telling me I am XXXX dollars behind in my taxes. I have sat on the telephone with the bank from XXXX of this year until last week when I finally gave up. They have people dunning my account and telling me to pay up or else. XXXX XXXX XXXX unnamed ) and I had a shouting match and he told me if I did not pay all of this money owed they would foreclose on my home. I did not do anything wrong. They made the mistake and they need to fix it. Every time I called them to get things straightened out they said they needed to investigate and after each investigation they always came back with the same results and that is I owe them XXXX dollars and I better pay up. I have only had this mortgage for one year and it should not be that difficult for them to figure out what they did wrong. I am at wits end and need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX I was treated at the XXXX. in XXXX XXXX. I was treated and released. I am a XXXX Veteran insured by the XXXX. Due to a glitch in the system, I did not have my ID card. Medicare paid part of the bill. I submitted the bill to the XXXX for payment. Thought it had been paid. When we went to inquire about refinancing we we told that our credit score had dropped due a collection agency named Commonwealth Financial CFSI. I was never contacted by this agency or asked to defend the charge of {$960.00}. I have been trying to get this resolved since XXXX XXXX. They have been sent numberous pieces of documentation stating that I was insured by the XXXX. My Doctor gave me a statement on a XXXX form which stated that I have been a XXXX patient since XXXX/XXXX/XXXX to present day. I sent this along with a letter and my ID card to the agency. I was told that if I gave proof of my elegibility as a Veteran that the debt would be cleared. My wife spoke with many reps there and General Manager XXXX XXXX, XXXX, XXXX XXXX, XXXX. She calls on a weekly basis, each time they say it is with client relations and call back later. In early XXXX they said it was sent back to XXXX XXXX XXXX. Call again for status. They had not heard back. Today XXXX/XXXX/XXXX over XXXX later, she is informed that the account is on hold for 60 days and that XXXX XXXX XXXX is rebilling the XXXX XXXX. This is a clear violation of my right as a Veteran who has served his country and always enjoyed excellent credit. This bill is not my responsibility. Please help get this issue resolved so that we can get our credit score where it should be. This is not way to treat a Veteran Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Army and Air Force Exchange Service
State: OK
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have called multiple times to Aafes credit hotline in regards to a time sensitive matter. I had an account that was paid and closed XX/XX/XXXX, the credit reporting agency XXXX indicated that Aafes stopped reporting on this account XX/XX/XXXX to all the credit reporting agencies. XXXX has indicated to me that Aafes needed to update to today 's date or provide a letter to all XXXX reporting agencies advising them to remove it from my credit report. This issue needed to be handled expeditiously as I am a veteran trying to finalize on the financing on my home loan, without this I will be without a home. First contact was with an agent that had to advise her supervisor of the issue, I was directed to email a formal complaint in. After the emailed complaint was sent a week and a half later I received an email from their credit disputes department stating that my report was updated to please allow 30-45 days for it to show on my report. I replied back asking for a copy of the updated outcome for my mortgage company to help finalize their credit decision. I received no reply, which I called their number to speak directly with the agent who had emailed me. I was told that agent does not take consumer phone calls the Aafes supervisor told me I had to wait 30-90 days for a reply. I was told emails went into a que only XXXX be answered XXXX at a time, she nor did Aafes care about by time sensitive matter. I had to wait the allotted time until my reply email was back at top to be answered. The following day I called again in hopes to reach a more respectable, helpful supervisor. To my dismay I reached another very rude supervisor that had generic almost scripted replies, except this time I was told no one had even stated on my dispute yet. I informed the supervisor that I received an email prior to that day from an Aafes credit agent stating my report had been updated. I have continuously made contact with Aafes trying to get a copy of their credit report for my account, every time I am refused a copy and told to wait up to the 90 days for a reply. To my knowledge under the XXXX the consumer should be sent a copy of their judgment on disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I borrowed {$20000.00} on a Visa to pay my Mortgage, it was a secured loan against my house. When the HOA foreclosed, they sold my house at auction XXXX XXXX for {$50000.00}. My attorney told me the HOA assumed liability of the {$20000.00} XXXX Lien. I called the lawyers for HOA and they say they asked for payoff from the XXXX XXXX XXXX collecting for the {$20000.00} Visa but XXXX refuses to give the HOA atty. a payoff amount. I called the XXXX XXXX XXXX and XXXX who I had spoken to before, suddenly adopted a sing-song tone and answered " I ca n't give you legal advice. '' I asked again, I 'm not asking you for advice I 'm asking what is your intention, why are n't you giving the attorney for the HOA a payoff amount and demanding payment? XXXX repeated " I ca n't give you legal advice. '' On XXXX XXXX, XXXX I wrote a letter and mailed by US Post Office on XXXX XXXX with signature required which I am attaching the letter to XXXX instructing them to give payoff to the HOA attorney. I need your help so they will not do a charge off which will hurt my credit. It is on my credit report as a current debt of {$25000.00} for Visa CACH but as of XXXX XXXX, XXXX we passed the date of redemption when the Deed was transferred to XXXX XXXX on behalf of HOA and the HOA assumed that XXXX Lien. 

Please do not let Mandarich Law Group do a charge off and if you can help please force them to demand and not accept anything less than the whole {$25000.00} that was due. I am also attaching their XXXX XXXX, XXXX receipt to me for my last payment of {$50.00} to Mandarich Law Group CACH on XXXX XXXX, XXXX. 

On XXXX/XXXX/XXXX my application could not be accepted to rent an apartment based on my credit report which shows this as a current debt. In order to rent a place I need this debt removed to help restore my credit. 
Thank you for your help to protect my credit and I gave permission to publish for people in a similar position to know the consequences to your credit and if the collection agent refuses to cooperate, the Consumer Financial Protection Bureau is our Champion.

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 2016-12-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Attempted to close an account with TD Bank that I 'd opened several years ago. Was told over the phone in approximately XXXX that I 'd either have to go the branch I opened the account in ( not feasible due to distance, I 'd since moved 3k miles away ), or that I should zero out the account and they would put a note in the account to close it once it was zeroed. A few weeks later, I transferred the money out, zeroing my balance. I received a paper letter from them in late XXXX, but assuming it was the notifier of account closure, I did n't open it until yesterday ( XX/XX/XXXX ). They did not close the account, they left the account open, then assessed low balance fees and returned ACH fees against the account, and then charged it off after being less than two months in arrears. They made no attempt to contact me beyond the paper letter dated XX/XX/XXXX ( I believe ) before doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: Flagstar Bank, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
A couple of days after I noticed XXXX separate fraudulent charges on my business debit card I immediately called and cancelled my card and sent an email to the Assistant Vice President and Sr. Branch Manager who manages my account. He sent over an affidavit for me to fill out and he submitted. The bank put credits on my account for charges. Several weeks later they received notices from the vendors that they were 'valid ' charges and they revoked the previous credits. I sent a certified letter to my branch fraud department disputing the decision asking them to reconsider and the information they sent me from the vendors had false information about my identity, even the delivery address where the items purchased online were delivered. Then I did n't hear back after about 4-5 weeks I called and they said they no longer handle the cases and I needed to work directly with my branch. I 've been going back and forth with my bank, they say they 've done everything they can and I would need to work directly with the merchants to get my money back. One merchant I ca n't get through too, one said I should have a credit coming, that my bank will not confirm, one I spent an hour on the phone to be told I need to work with my bank to get my money back. My bank does n't answer me back for days or even weeks at a time and feel I 'm getting the total run around. I 've been diligent about going through the proper steps and keeping in contact with my bank. So as of now I am at a loss. I work too hard to lose over {$600.00} and need 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 2016-05-24
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Flagstar Bank is my current mortgage servicing company and they are showing me as having made late payment during XX/XX/XXXX and XX/XX/2016. I have received a letter from Flagstar Bank research department in which they state this was a mistake on there part. I would like Flagstar to resolve this issue ASAP and report my payment history to reflect as current and no late payments. 

Thank You.

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 2015-06-05
Company: Paypal Holdings, Inc
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Subscription service was cancelled with merchant prior to subscription date. Merchant went ahead and put through the charge anyway. PayPal was notified and a dispute was filed with PayPal. Even thought PayPal has a Purchase Protection policy which covers {$0.00} Liability for Eligible Unauthorized Transactions. However PayPal refuses to acknowledge my inquires regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the XX/XX/XXXX I closed my XXXX account for DSL internet due to moving to XXXX to change XXXX. About a month after we canceled our service we called to make sure that our internet account was closed/Free and clear as well as our other utilities/services. We were notified that our account was closed with a XXXX balance. Shortly after that we received a bill for XXXX dollars and I called XXXX to see what the charges were for and the gentleman from customer service reviewed the account and informed us that they had made and error and we were actually owed XXXX. After that I received an account summary detailing the closure of the account showing a XXXX credit. The day after I received a bill for XXXX dollars along with a collection notice from IC Systems. I called XXXX again talking with various offices customer service, account management, etc. and no one could explain the bill or the debt collection. I then called IC Systems and asked about the debt and how to resolve it. Seems that there was no way for XXXX to remove the collection notice and that I would have to dispute the charge and wait for review. I ended up paying the debt collector in hopes that XXXX error will not affect my credit. I plan on disputing the charge with letter to IC systems but do not have much faith in any resolution with XXXX. I can not tell you the time I dedicate to keeping my finances in order and have never been late on a bill. It is very embarrassing to receive a collection notice. Through some research on I have found huge amounts of complaints about XXXX for the exact same situation. Furthermore please take note to the account numbers on both the Account Summary, and the Bill that I was sent. They do not match between the two invoices, but in XXXX system both numbers associate with the same account. Any help that you could provide would be greatly appreciated we are in the process of closing on a house and this concerns me greatly that it will affect the closing in a negative way despite my stellar credit. Its very frustrating how willing they are to sell you services, but when your done they cant help at all. 

Thank you, below is the contact information for both companies involved. 


XXXX XXXX IC Services XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
I have had Rush card for over a year now .. I just bought a new car in XXXX i had my card info in the car due to them needing my bank info, I was sick and did not remove it from my car it had my pin number on the envelope. I had left that my card and meds in the car. someone got into my car and took all my things and drained my bank account. I filed a dispute form on XXXX which they stated in less then 10 days there was no error in my account and closed the claim. Stating i had to file a rebuttal letter which i did on XXXX XXXX. I have called them at least 50 plus times i keep getting the run around.I still to this day have n't received a letter from them which i have requested 8 times. I called again yesterday XXXX to see the status which they said they closed my case again i had them transfer to me to a superior who then claimed i never sent a rebuttal letter and to resend it again and is claiming i have to wait another 90 days for a response. It was over a thousands dollars taken out of my account. I could not make my rent or car payment. Someone stole my card and used it and they are refusing to give me my money or a report on why they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ntl recovery agency keeps trying to collect a debt for XXXX i never had XXXX

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