BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-16
Company: CMRE Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is not a legitimate debt. I have repeatedly attempted to contact the office claiming I owe them money. The office does n't exist. Now, CMRE Financial Services is calling me to collect on this debt that is not legitimate. I tried to explain that to them and asked for my number to be removed from their call list. They refuse to give me any information about where they got the information. I told them I needed it to add to the police report for a stolen identity case and they still refused to give it to me until I confirmed my SSN and birthday. I refused for fear that they too would use my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Doctor 's office was given XXXX insurance information before being seen. Secretary too medical card, made copy and still presented me with a bill. Bill has now gone to collections and is on my credit report. Bill should have been paid in full by 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 2015-11-06
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage service provider is Ditech ( formally Greentree ) and we fell behind on our mortgage and had to resort to a Chapter XXXX Bankruptcy filing in order to remain in our home. We then applied for a loan modification after reaching an agreement with the bank and the courts about our repayment program. During the loan modification request process Ditech continuously gave us the runaround by claiming we were missing documents, and then when we would send the missing the documents we were being told they had n't been received. Each time I would call and ask for a name so that I could call to follow up the fax I was making they would n't provide us with the persons name or position with the company. That led to me filing a complain against them with you - Case number : XXXX. We are now being retaliated against because of that complaint. We have been working with a non profit group out of XXXX XXXX called XXXX XXXX XXXX, and our contact is XXXX XXXX XXXX who can be reached at XXXX XXXX to verify what I am about to tell you. Ditech told us ( and XXXX ) back in early XXXX that our request for a modification had been approved, and that it had been sent to underwriting for the finishing touches. They also told us to hold off on our XXXX Mortgage payment because the new mortgage with the new dollar amount would take effect. Then they received notification of the complaint I made against them, and now they refuse to give us any type of answer XXXX way or the other. Each time we call we are told it 's in underwriting and no other information is available. It 's clear to me that this is retaliation and they have no interest in working with us. By telling us to hold off on our mortgage payment we are now in default with the Bankruptcy trustee and our Chapter XXXX plan is being dismissed by the courts which puts us right back into foreclosure. They lied to us and to our representative about our modification status and by instructing us to hold back on our mortgage payment have put us in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Convergent Resources, Inc.
State: MI
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:
I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I find a debt of {$270.00} listed on my XXXX Report for XXXX XXXX XXXX - via Optimum Outcomes - from 2013 - no attempt to collect or notify me of said debt or to validate it has been made to me. I want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Diversified Consultants, Inc.
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 is not mine

Complaint:
I cancelled ALL of my wireless services with XXXX XXXX XXXX XX/XX/2014. I paid all of the early cancellation fines. XXXX XXXX XXXX, for some reason, left one of the accounts open. I called the following month after receiving another bill and they said they could not explain why and said I was responsible for the extra months payment. I refused and they refused to budge. They turned it over to collections. I DO NOT OWE THE MONEY. I refused to be bullied by them and will fight as a matter of principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I enrolled at the University XXXX in XXXX and finished by degree in XXXX Navient had said my loan % was going to be 1.75 % but when I started paying it back it was 2.25 %. When I called them they said I had been late on one payment and that I had to pay the higher rate. According to my records I was never late on a payment. When I contacted them again later they still were not willing to lower my percentage. I have paid on the loan for over 10 years. I had borrowed of {$30000.00} to finish my college.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Bepensa Capital, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a letter however, got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX d/b/a XXXX XXXX XXXX XXXX '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Update to prior cfpb dispute XXXX : I have received a final written response from Equifax Information Services LLC. The number of calendar days from US Postal Service XXXX Mail mailing ( proof of mailing attached ) to receipt of a response from Equifax is 39 days total. 
The true dates of first delinquency on these accounts are more than a decade ago, as these accounts were opened in XXXX. Moreover, the accounts have been paid in full for nearly three years. 
My XXXX prior requests for copies of my signed Consumer Disclosure Files ( in order to prove debt re-aging ) have both been disregarded and ignored, while a total of XXXX ( XXXX ) alleged missed payments are still being illegally reported in my credit file. I have provided scanned copies of my written requests dated XXXX XXXX, XXXX and XXXX XXXX, XXXX with proof of mailing for each hand-written letter. Equifax 's response does not even mention or acknowledge that I requested these documents, and the accounts have been erroneously " verified '' despite being disputed more than half a dozen times. This has been going on literally for years, trying to get these false and damaging inaccurate records either corrected or simply deleted. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
XXXX shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.

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 2017-10-12
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have applied for, and qualify for, income driven payments. These are all handled on XXXX website by the XXXX. 

Navient refuses to accept them, and requires me to submit them manually, intentionally putting additional steps between me and my income-driven repayment plan that are not necessary. 

My other student loans have easily switch to income driven payment with a single application on the XXXX website, except for navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2014, our dear friend XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ar passed away. I have been trying to resolve her HELOC in a manner to preserve where her ashes and the ashes of her dogs were spread. I have been in contact with XXXX XXXX at USAA and she very rude and unsympathettic. To get to my point. We have been in negotiations since XX/XX/XXXX or XX/XX/XXXX and the best offer to date from USAA was XXXX on a XXXX HELOC without a first mortgage. After I countered their offer and sent numerous letter, made numerous phone calls and even faxed my counter offer, they claim in each instant they did n't recieve anything. Finally they recieved my email with the best offer we could afford. They then removed their offer of XXXX and now they want the full amount. We were working with them in good faith on our deceased friends behalf, trying to keep the land she loved. We have spent over XXXX cleaning up the property not mention the XXXX this bank has cost us in legal fees simply because they skirt the issues and transfer your call, make you wait hours on the phone and claim to never recieve your information. This is outrageous and unacceptable. Either they help the military and ex military or they do n't but if they choose the later the need to stop immediately with their military advertisements. They have prolonged this far to long, let us grieve. Thank you.

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 2022-10-01
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022, XXXX XXXX made an erroneous hard inquiry on my credit with Equifax. The Inquiry was referece number : XXXX for XXXX XXXX, application for XXXX XXXX XXXX XXXX. 
THE APPLICATION IS A FRAUD AND AN ATTEMPT AT IDENTITY THEFT. 

1. I am not, and have never been associated with XXXX XXXX. 
2. XXXX XXXX does not operate at the address provided. That is my residence. 
3. The Tennessee Secretary of State has no record of a XXXX XXXX in the state. 
4. I have never applied for a XXXX XXXX Credit Card or other credit from XXXX XXXX in any way. 
5. This application is absoultely not mine. 
6. I did not authorize XXXX XXXX or XXXX XXXX to do an inquiry on my credit. 
7. XXXX could not possibly prove that this is a legitimate request for credit that I made, because I did not make it. 
8. I will not quit disputing this until XXXX XXXX retracts the hard inquiry from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card
Issue: Payoff process

Complaint:
I have paid Capitol in full XX/XX/XXXX, the negative information for XXXX XXXX & Capitol are not mine. The XXXX County civil claim may be from XX/XX/XXXX it was settled by court. It was XX/XX/XXXX so it is the only account aware of.If reinstatated. I was never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Byrider Franchising, LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle from XXXX in XXXX 2016 and I had a deferred down payment for {$800.00} and then I started making payments biweekly from day one. I noticed that my principal balance did n't change after the initial XXXX payments, I called XXXX and was told ( after talking to a few different individuals and different stories ) that the first XXXX payments were interest only payments and when I ask was this is writing, the lady told me, " it should be ''. I reviewed my loan paperwork and I did n't see anything even close to this notated in the contract. So at this point, I would like to see what I can do to resolve this issue or go after XXXX for False advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I called CAPITAL ONE/SAKS XXXX many times since XXXX on XXXX account # XXXX opened on XXXX Today XXXX ID # XXXX claims that she & manager insist I call the Social Security office as it their fault for the ill acts of CAPITAL ONE SAKS/ EQUIFAX XXXX XXXX IDE # XXXX stated several times that she does think the social security office is at fault for issuing social securities if they did not issue social securities credit bureaus would never make mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Lender GreenTree / Ditech has : 1. Refused to provide me with WRITTEN DISCLOSURE/INFORMATION as to the REASON WHY they are denying me with loss mitigation avenues to foreclosure ( Deed in Lieu, Short Sale, XXXX, etc. ) to the property in question, this after several years requesting all communications and information relating matter be submitted in writing due to my XXXX. 
2. Refused to provide me with FAIR AND EQUAL TREATMENT in mortgage loss mitigation as allowed to anyone else in my same financial situation when it is unequivocal people in my situation-currently not working since XX/XX/XXXX2015-would qualify for such remedies. Therefore, lender GreenTree / Ditech is discriminating against me. 
3. Lender GreenTree / Ditech claims my regular monthly payment ( principal, interest, taxes, etc. ) is {$5300.00} when the original monthly payment mortgage agreement clearly indicated a much lesser amount of around {$2600.00} total. Lender has been dishonest and corrupt enough to refuse to explain this massive discrepancy in writing also. 
4. Lender GreenTree / Ditech is adding {$2700.00} in monthly charges, due, and fees and once again refuses to explain such ludicrous charges in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
At this time we are are just a month behind on our mortgage payment. Green tree has been been told that we are paid on the XXXX of the month as both my husband and I are retired. They have also been told that we will be completely caught up shortly. However, after telling them this information they continuously call us a XXXX times a time which is becoming a harassment by them. When they call they will let the phone call go over to voicemail and not leave any type of message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I received multiple calls every day in the same day stating i have a payment due I advised the company that I do know that there is a payment and that they are not allowed to contact me multiple times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax reports that there is a judgment against me in XXXX Municipal Court. It has affected my credit score to the detriment. I have written Equifax about the inaccuracy with the name difference. I finally filed in court to have this judgment vacated due to identity theft while I was overseas. The court vacated this Judgment as indicated by the attached and should be removed from my Equifax file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Please be advised on XX/XX/XXXX2016 I sent Springleaf information Pursuant to XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Springleaf! Springleaf has not provided any documentation as outlined in XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( XXXX ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( XXXX ), the person that provided the information in dispute to a consumer reporting agency shall -- ( XXXX ) conduct an investigation with respect to the disputed information ; XXXX XXXX XXXX review all relevant information provided by the consumer with the notice ; XXXX XXXX XXXX complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( XXXX ) ( XXXX ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( XXXX ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( XXXX ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( XXXX ) modify that item of information ; XXXX XXXX XXXX delete that item of information ; or XXXX XXXX XXXX permanently block the reporting of that item of information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
ACS Education Services has continuously operated negligently in processing my qualified deferral from the University XXXX XXXX at XXXX that has been submitted and resubmitted on the following days : XXXX XXXX ( fax ), XXXX XXXX ( fax ), XXXX XXXX ( email ). On XXXX XXXX a " XXXX XXXX '' provided me as there were " issues '' with the fax. On XXXX XXXX I received an email confirmation that my deferral was received and that by XXXX XXXX my deferral would be processed and subsequent delinquent credit history restored ( as a direct result of the continued and ceaseless " issues ''. XXXX XXXX no such confirmation for deferral was received. On XXXX XXXX I called again and spoke to a " XXXX '' who notified me that no such information, to any capacity, was every received and to resubmit - again. I notified " XXXX '' that I have so far as received an email confirmation by her colleague, " XXXX '', and upon speaking with her colleague stated that it has in fact been received and would be processed, now, by XXXX XXXX. I requested to receive verification from her supervisor. Upon speaking to her supervisor, " XXXX '', I was asserted that the removal of the negative credit history would be done so by the end of the day. It is now XXXX XXXX and no such action has taken place. This has taken considerable time, has negatively impacted my credit history through an undue and unnecessary time period, has caused extensive burden and borders fraud and malfeasance. I am requesting assistance from CFPB and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: NY
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 contacted all three Credit bureaus to report inaccurate information on my credit report - I have submitted a dispute on these inaccuracies multiple times and their investigation isn't valid. Every time the account comes back verified - I sent them the results from my previous complaint on file with CFPB -with XXXX XXXX  -complaint # XXXX. In that complaint XXXX XXXX states : " XXXX neglected, however, to mail the deficiency letter until XX/XX/2022. Throughout this entire process, XXXX attempted to collect the deficiency balance. Then, on XX/XX/2022, XXXX charged off the balance to a third party collection agency which prompted your inquiry. XXXX regrets your recent calls were unsuccessful in providing the necessary research. '' I sent a copy of the results to all credit bureaus but they are refusing to delete the status as in repossession or paid repossession - the vehicle was totaled- paid by gap and car insurance and then XXXX XXXX failed to bill me for the balance for an entire year - added the car as a repossession and charge off on my credit report. The Charge off has been deleted but it still states repossession / delinquent - this is inaccurate and now stopping me from purchasing a home and a new vehicle for my family.

Company response to consumer: Closed with explanation