BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested a loan modification from green tree servicing and after months of submitting and resubmitting paper work they keep had already been sent, they finally agreed to a modification. They modified the loan to 40yrs and they said they would move part of the balance to the back of the loan. Well recently when I requested a credit report a saw that they structured the loan so that at the end I have a XXXX plus balloon payment that will be due. THAT WAS NEVER explain to me. This was the first a known that this loan was set up that way. They lied doing the whole process and now I see that they were deceptive as well. Your agency recently found them guilty of similar conduct. I want to know what I can do at this point to get this changed and whelther I need to seek legal help at this point to handle this matter. Thanks in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received notice of a hearing from the attorney for a motion to renew judgment on a very old debt. 

The attorney is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX Fax XXXX. 

I ca n't recall why this amount was owed, etc. and it was never explained to me. I knew from ten years ago that a judgment was made and unfortunately I was unable to attend the hearing because I was moving from my original address in XXXX, MI at the time. I am now living in XXXX County and the hearing is in XXXX County. I received notice from the State of Michigan that she seized my Michigan State tax return in XXXX. 

The upcoming hearing is XXXX miles away from my home residence, of which Mary Jane Elliot et. al is well aware. The notice is dated XXXX XXXX, XXXX and I did n't receive it until XXXX XXXX, XXXX, so I have n't been given adequate time to prepare a legal defense. 

They are also charging me {$960.00} in interest on a {$690.00} balance for a total of {$1600.00}. I feel this amount is ridiculous, especially since I never acknowledged this debt and the statute of limitations has run out long ago. 

I feel that ten years of having my credit report ruined and fear of the unjust actions of this firm for a false debt is more than adequate a price to pay. They have done nothing to provide proof of the debt or get my voluntary acceptance of it. This is the first I have heard from them in years. The original judgment was in XXXX. 

As Mary Jane Elliot et. al must be aware, I have limited resources to respond to her lawsuit. At the very least she should be suing me in a court near my residence not somewhere I have n't lived in a decade. 

The case number is XXXX in the XXXX District Court before the Honorable XXXX XXXX XXXX on XXXX XXXX, XXXX. 

In closing, I would like to comment about the importance of protections to safeguard the rights of consumers from the unethical actions of creditors such as Mary Jane Elliot et. al. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am a victim of identity theft

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 2016-10-27
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Financial Recoveries collection agency ( XXXX ) reported XXXX disputed billed amounts to the credit bureaus both without my knowledge and after I made a payment. 

1 ) For a negative entry of {$100.00} they reported to the credit reporting services, I had never received their correspondence. As a result, I never got a chance to dispute the balance. I made the payment anyway despite my disagreement to the balance my medical provider XXXX XXXX ( XXXX ) tried to collect through Financial Recoveries. 

2 ) Financial Recoveries reported the amount of {$53.00} on XX/XX/XXXX to the credit reporting services even after I paid it through their automated system on XX/XX/2016. Not only that, immediately after I received the letter from them for this balance, I faxed a letter disputing the charge. They immediately sent me a copy of the original creditor 's bill which I disagree, I called them and made the payment regardless as I realized I was too powerless to fight the hospital and the collection agency. Still within a few days after I filed the dispute against the charge and after I made the payment, they still reported this to the credit bureaus. 

Their action was relentless and against rules and caused distress and negative impact on my perfect credit history.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have for the last five months asking for validation that the following accounts XXXX # XXXX, US BKPT CT TX XXXX # XXXX, US BKPT CT XXXX XXXX XXXX, and US BKPT CT TX XXXX # XXXX from Experian, I have not received the information that I requested. I would like the name of persons that the credit bureau used to validate these accounts, instead they send letters saying that they are correct, but they are not correct and I would like them to remove them immediately or will be forced to file lawsuit against Experian under the Fair Credit Reporting Act for removal and up to {$1000.00} for each violation.

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 2015-08-29
Company: Rent Recover, LLC
State: OH
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:
I am very upset to find a collection item on my credit report for a debt I never owed ... 
My application for a credit card could not be approved due to a " derogatory public record or collection filed. '' Knowing I have always payed my bills on time, I immediately requested a copy of my credit report, and was shocked to see an item from " Rent Recover LLC '' collecting {$130.00} on behalf of " XXXX. '' It says collection as of XXXX 2015 to XXXX 2015. My husband and I moved out of XXXX back in summer 2014, amicably, with all rent paid and unit thoroughly cleaned. We never received any further communications from XXXX XXXX. Our new apartment complex has even told us that XXXX XXXX reports our account as paid in full. So why is " Rent Recover LLC '' reporting to the credit agencies, having never tried to collect from us, and for a company who never tried to/has no reason to collect from us?! 

How do we best proceed to get this off our credit reports? 

As XXXX working people with great income, {$130.00} would be no skin off our backs ( would have easily paid if we ever received a bill from/actually owed {$130.00} to XXXX XXXX! ) But with how the credit reporting works, we 're afraid that paying the {$130.00} to collections now, just because we happened to pull our credit report, will only 'validate ' this illegitimate 'delinquency ' and keep it on our credit report for years!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Convergys
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Encore is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
After numerous attempts to explain that my payment must be processed via ACH, not echeck, Citicards again requested an echeck, then charged return check fees, late payment fees, and interest. I provided accurate account information and have a letter of support from my bank requesting that Citicards reevaluate these fees and provide a refund.

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 2023-05-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Our insurance has paid more than what was the contracted rate and my family has a deductible per year and was met for that year. Just because and XXXX states patient is resp does not mean a patient is resp. If XXXX has a deductible and it has been met the patient has no out of pocket expense what so ever. Just because you go to an emergency room and a emergency room Dr sees you does not mean to double bill the insurance with XXXX different facility names that is still double billing. I now my rights as far as biller goes and I know when a XXXX is a duplicate claim. I have notified our health insurance with this issue let them know that we are being sent to collections and this is a white collar crime and my civil rights are being abused and this is fraud. Per our XXXX it states clear as day on it that charges exceeds the area 's usual and customary charge amount. I notified our health provider multiple times and they even stated they are billing way to high for a bill that has been paid more than what was allowed. and now collector and hospital are trying to collect in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: NETWORK CAPITAL FUNDING CORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We sent paper work three or for times, had four closing dates the last one was not canceled til XXXX XXXX when closing was set to happen at XXXX XXXX paper work was not right and the seem to come up with a closing cost that should have been our sellers assist plus the sellers took money of for repairs and some how our closing cost was almost {$7000.00} more then were told or expected which put off us doing some really needed repairs. It took a extra month to close and almost lost the house cause the sellers almost pulled out. It really cause my wife and myself some real stressful moments.

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 2016-06-23
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was not aware when I first entered repayment. Because of this, I fell behind in my payments. The monthly payments ( without the late fees ) were already impossible to make without assistance ( approximately $ XXXX/month ). When I spoke to Citi, they told me " ask your cosigner ''. I informed them that my cosigner 's financial situation had changed and could not help me. I asked if there was a way to change my monthly payments or to return my late payments to the principle so I could try to make my payments. Every time I was told no, there were no options for me. When they asked why I was behind, I explained that I already was struggling to make the basic payments and they responded by offering that I could do a payment plan where I pay more each month until I caught up. I explained every time that I work XXXX hours a week and only take home {$250.00} a week. During these hours, I can not answer my phone, but they never would leave messages so I had no way of knowing who was calling or what was happening. Every time this was explained, they said they would make a note on the account, but nothing ever came of it. Citi began threatening me that the account would be charged off and I had to pay over {$2000.00} immediately every time I called to talk to them about the loan. Because of these problems, they referred the debt to a collection group, but did not sell the debt. I spoke to the collection group and was told I had to either pay {$21000.00}, lump sum, or monthly payments of {$720.00}. I tried again to call Citi to try to come up with a repayment plan with them. The loan was still in their possession but they would not discuss the loan with me and kept directing me to call the collection group, telling me that the debt had been charged off. I asked the representative directly if Citi still owned the debt or if they had sold it to the collection group. I was told yes, Citi still owned the debt and that the collection group was only collecting for them, but Citi still refused to speak to me about the debt. I have XXXX to make it possible to live a normal life. Because of the extreme debt burden, I was 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 2016-02-19
Company: Lending Club Corp
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/16 I called Lending Club, XXXX XXXX XXXX, XXXX XXXX, CA. @ XXXX CST ( XXXX ) XXXX Pacific Time. I wanted to pay off in FULL my XXXX loans. The XXXX loans {$5000.00} AND {$5200.00} Loan # XXXX AND loan # XXXX. I had all required documents, a check book to give them permission to pay the loan. I was told by a employee XXXX that I could not do that payoff until Monday! This was Thursday. I was also given the balances as of Monday XXXX/XXXX/16. The first loan # XXXX has a 25.80 % interest rate with a 29.72 APR. The second loan # XXXX has a 19.99 % interest rate with a 23.77 APR. So i asked why? The explanation was that they could not do that TODAY. I said what about Friday? I was told they could only do this on Monday! WHAT I explained to the employees that I was aware of the terms and conditions of the loans, stating NO PENALTY for early pay offs. I asked to speak with a supervisor This supervisor told me the same thing beiing very rude and short with me. I asked what my daily interst rate was until Monday. She refused to answer. I wanted to get her full name or employee number. ALL she said was XXXX. I asked again for her last name and she said that was a privacy matter. She did not fully identify herself to me. I went through the entire situation again and no results! At 25.80 % for four days that is {$51.00}. At 19.99 % for four days that is {$42.00} That is a lot of Money. If they do it to me Im very sure they do it to others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I have disputed with Sear credit card home improvements, the disputed amount was XXXX , which was related about the kitchen renovation not done correctly, used faulty faucet appliance, water leakage. After submitting the complaint, they continue to charge with the promotion interest. I have called several times that resulted no solution. I will like to file complaint against Sears Credit card in regard this issue.

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 2016-06-08
Company: CITIBANK, N.A.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On my Citi Professional Cash card statement of XX/XX/XXXX, I am being charged a late fee of {$39.00} and interest charges for {$24.00} after I 've been clearly told on many previous phone calls with citcards ( most recent call was on XXXX XXXX ) that payment was due on or before the XXXX of each Month to avoid late payment and interests. I had consistently made full statement balance payments since XX/XX/XXXX to avoid late fee and interests. Because I was mislead by citicards I 've asked for reversal of these fees which one their Citi supervisors said that he 's unable to reverse. I 've been with citicards over XXXX years and never had issues of late payment on my account. The only reason there is a late payment this past month is because of the misleading information i was given.I 've asked citicards to provide me with full disclosure of how billing cycle days are calculated so i can get a good understanding of how due date are changing on my account. Citicards is saying that they can not provide such document. I would like the Consumer financial protection bureau to help resolve this issue with Citicards and get me the reversal charges of {$39.00} and {$24.00}. I think Citicards used misleading tactics to gauge me for additional charges. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2016-06-10
Company: CITIBANK, N.A.
State: NE
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been trying to contact Macy 's customer service about my account and they always hang up on me. All I want them to do is correct my account which they are refusing to do. Whenever I call, my hold time has been over 20 minutes, and then while I am speaking to a customer representative, they hang up ( I can always hear them talking in the background, before they place me on hold again, before even talking to me ). My available credit and my charges do not equal my credit limit, so my a payment was not posted/or taken into consideration. I will never do business with them again once I pay my account off and close it.

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 2016-11-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
To Whom It May Concern : I escalated a request to have all remunerations refunded due to credit terms " originally '' signed via ( Citibank 's executive office ) whom is now an account servicer of which ( XXXX ) serviced the debt effective XXXX XXXX, XXXX. After requesting in writing on multiple occasions to have all payments refunded via XXXX XXXX ) now Debt Protection ( Citibank ), a service I am not deemed eligible for per " initial '' credit agreement/disclosure signed XXXX XXXX, XXXX via ( XXXX ). 

However ( Citibank ) recently sent correspondence dated XXXX XXXX, XXXX stating I am eligible of which, a ( Citibank ) agreement sent was never signed or disclosed when originally applying for a " Best Buy ( XXXX ) In Store '' consumer credit card. XXXX XXXX an assigned executive response unit liaison submitted a ( Citibank ) Debt Protection disclosure after disputing my disposition regarding a ( XXXX ) disclaimer she initially sent XXXX XXXX, XXXX which states unemployed borrowers and/or part time employees are not eligible for " XXXX '' which is now classified as " Debt Protection '' per ( Citibank ) due to servicer change/acquisition. It seems as if ( Citibank ) is not willing to refund a balance which is owed for cancelling a service I paid into " prior '' to ( Citibank ) acquiring an account generally speaking. I would be obliged for this letter to be shared with my California Attorney General and all governing agencies for this process is now considered fraud for fictitiously submitting a ( Citibank ) disclosure in place of a ( XXXX ) disclosure automatically deeming a request/claim irrelevant.

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