BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received A letter dated XXXX/XXXX/XXXX from Midland Credit Management XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
The letter stated : MCM Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Balance of $ XXXX contacted XXXX XXXX XXXX XXXX Bank XXXX since that is the only dealings I 've had with XXXX Bank I spoke with XXXX XXXX XXXX and learned I had a balance of {$1300.00} from XXXX XXXX, which was turned over to Midland in XXXX XXXX. I contacted Midland at XXXX and spoke with XXXX. He informed me I could be sued if I did not pay. He offered me a 40 % of {$2300.00} which I informed him I did not have. He continued harrassing me until I finally hung up the phone. 
This is an old debt that was written off. My credit is suffering because the collection company is keeping it on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am still trying to work out something with Ditech ... no luck,,, ,they are n't accepting my loan documents, including a tax deferral ... .and will not work with me to find a payment I can afford. When i was with XXXX, my payment was XXXX ... now with Ditech 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 2017-02-21
Company: ECMC GROUP, INC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This is my second complaint about ECMC. I just received an arrogant and not factual letter from ECMC stating that they did not have my updated information which was their reasoning for me not receiving communication from them, which in turn provoked them to garnish my wages. I just located my XXXX tax document from them which clearly had my current address. There was no reason to send any document to XXXX which is what was stated. It is very upsetting that these companies like XXXX as well are allow to get away with this type of action. How can companies treat people trying to better their lives this way. I did not receive one bill, communication, or information about what was owed, yet they are allowed to make damaging reports on a credit report and garnish wages. It is just not acceptable.

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 2018-05-27
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, is collection agency. I owed a balance of {$1800.00} to XXXX XXXX. The balance was full paid XX/XX/XXXX. They reported this account again, XX/XX/XXXX. I have made multiple requests to for account to be deleted from my credit reports. This is having a negative effect on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX bank to DITECH. I received absolutely no written or electronic notice. My monthly payment auto deduction was cancelled without me knowing. When I called to inquire with XXXX of why my monthly mortgage payment had not been taken out is when I found out about the transfer to Ditech. I called Ditech and they told me to do nothing-my auto deductions would resume in time. I then recieved notices that my payment was overdue. I called immediately to pay over the phone and was informed of a {$12.00} online/phone payment fee. This is total bull. My auto deduct will not be set up in time for next month 's payment either so I will have to pay another online/phone payment fee. This has caused undue stress, money and time. This is WRONG

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 2015-04-14
Company: Ditech Financial LLC
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Client came to a HUD agency ( XXXX research, XXXX, De ) for assistance. Housing counselor submitted required documents to lender back in XX/XX/XXXX. Have not heard from lender since submission stating if there is anything additional needed. Client gives Housing counselor a call for follow up and the agency has not heard from lender as well. We also requested payment history of the loan before loan was serviced released to Green Tree Servicing LLC from XXXX. We did not receive any history. XX/XX/XXXX lender called client to request status on second mortgage which also is with Green Tree Mortgage. Mortgage has a XXXX and XXXX with Green Tree. Mortgage is also not reporting on credit report since loan was originated back in XX/XX/XXXX. We have been trying to get answer from lender but have been unsuccessful in getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: World Acceptance Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
World Acceptance was contacting my references and leaving them messages about how far past due I was and also asked a reference if they could make the payment or loan me the money to make the payment. They have also continued to call myself and also my work after they have taken me to court and been told to not contact me through work from me and they continuously call me everyday on both numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Federal Trade Commission Reference Number :  XXXX   Hunter Warfield  has repeatedly tried to collect money from me that was paid to the employees of  XXXX   XXXX   XXXX  despite the fact that I have produced cancelled checks. I paid the company according to their instructions to the   XXXX   XXXX  . I moved out of the apartment into another company managed by  XXXX   XXXX   XXXX   XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express keeps on calling me daily despite the fact that I am making my payments. The caller leaves long " urgent '' threatening messages at home, my cell number and my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: TRANSWORLD 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/14 my wife was in XXXX. I had called her insurance company, XXXX XXXX, asking them what I could do. The representative told me to take her to the Emergency Room and not to worry because it would be covered under her plan. 
About a month or two later we started getting notices from the ER billing agency that the insurance company was denying the claims, but no reason was given. 
I kept telling them to please contact the insurance company to get the reason, and regardless, to have the recorded call audited for the representative telling us the service would be covered. I also contacted the insurer to have them audit the call and get this settled. 
No one contacted me back from either the billing agent or the insurer. Next thing we knew we received a letter from a collection agency, Transworld Systems , Inc., that we owed the money, and again, no explanation. 
These calls are recorded for a reason and this was one of them. I was TOLD to take her to the ER and that it would be COVERED. Now, the bill is in our laps and no entity is taking the initiative or responsibility to audit that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was turned from a mortgage company because of a number of " delinquencies '' on my credit reports. Since I do not have delinquencies and my credit score was higher a month ago, I tried to get my reports online. I could not obtain them, and when I went onto Equifax 's site, the page would not allow me to submit my complaint. 
I really need to find out what 's going on with my credit scores so that I can dispute the errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
My problem is with Citibank credit cards ; in particular, it is about paying a Citibank credit card with a XXXX XXXX checking account. To clarify, I have XXXX Citibank credit cards that I tried to pay : a Citi Forward card and a Citi Double Cash card. In XX/XX/XXXX, I changed the bank account that I use to pay for my Citibank credit card. The bank I had previously used was a Citibank account, but I switched to a new, XXXX checking account. I verified this new bank through Citibank 's online verification process, and I was able to pay other, non-Citibank cards with this XXXX checking account. However, when I paid my XX/XX/XXXX Citibank credit card bills, my payment was rejected, and I was charged a " return check fee '' by Citibank. This meant that my payment was late and a late payment was most likely reported to credit bureaus, even though this checking account had been used to pay off other non-Citibank credit cards. When I called Citibank, they told me that they had tried to access my XXXX checking account, but that XXXX had told Citibank that my checking account was frozen. However, when I called XXXX, they had no record of Citibank ever even trying to access my checking account, and they confirmed that my account had never been frozen before. As such, I called Citibank back and asked them to send me proof that they had tried to access my XXXX checking account and gotten a " frozen '' response back from XXXX. It took them weeks to get me the letter of proof, and when it arrived, it did n't have any information about a XXXX checking account or anything I could show to my XXXX Bank to get to the root of the problem. At this point, I do n't know where to turn, because it seems like Citibank had an error on their part that made them unable to contact my bank, and they 're blaming me for that error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Other

Complaint:
CITI bank issued a refund check for the amount of {$3000.00} on XXXX/XXXX/2016. I tried to deposit the check into my XXXX checking account. But, XXXX never released the funds to me saying that CITI placed a hold on the issued check. As a result XXXX suspended my checking account. When I called the CITI bank they issued me a replacement check for the same amount and I deposited into my XXXX XXXX XXXX checking account and it 's cleared. But, CITI is charging the first check of {$3000.00} on my credit card account ( but I never received these funds ). It 's impacting my credit score and each month CITI is generating statement with 23 % APR on the {$3000.00}. It 's been more than 2 months but the issue was not resolved. I contacted CITI and XXXX several times, but they never resolved this issue.Please help me to resolve 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 explanation
Consumer complaint received 2016-09-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a credit card with Citi bank Simplicity card. On XX/XX/XXXX my mom lost her card which is the same number as mine, after she paid her XXXX center. Then after i went online and place a hold on my account so no charges could be put through, I find out there are XXXX in additional charges on the account. I ask them what it is, and the first charge is for XXXX which was for a charge for something that i did not receive that was cancelled. When i called Citi bank they made me hold for 54 min, and continue to disconnect the call, and then lied to me and told me prior to that the charge went through on XX/XX/XXXX when i have proof it was charged on XX/XX/XXXX after the lock date on my chard. now i have an additional XXXX of charges on the card which they still keep avoiding on explaining what the charges are, and keep passing me around.

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 2015-06-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I have a 35 year old CD ( Issue date XXXX XXXX, 1980, initial deposit amount of {$200.00} and 12 % a year ) and I need help accessing the funds. The CD is in my great grandfather and great grandmother 's name ( XXXX. XXXX or XXXX XXXX XXXX ) and the issuing bank has been acquired multiple times in the last 35 years. The initial bank was XXXX, according to the FDIC 's website, after a string of acquisitions, the current institution is HSBC Bank USA , National Association. Please contact me with the best possible action to take to get access to the funds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: GA
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:
My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i sent in a {$4000.00} payment to catch up on my house payment. the mortgage company did n't apply my payment then sold my mortgage. The new mortgage company is saying that i am a year behind and are trying to foreclose on my home. I am a single mother who wants to stay in her home. I ca n't lose my home to someone taking my money from me and not applying it to my mortgage like we had agreed. When questioned they said they did n't know where it was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other

Complaint:
Home Depot habitually credits my account a week OR MORE after they receive the payment, as verified by the amount being debited from my Credit Union account. They call, email and otherwise BULLY me for payments paid a week or MORE previously. This has been going on for several years, but lately has been WORSE. I 'm sick of them and do n't understand how they get away with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Citibank had offered a modification on my equity loan and I agreed that it would certainly help however I was not delinquent at all. My loan was current and I was never late. They told me not to make the XXXX payment and to follow the new schedule and make to start making the payments XXXX/XXXX/2016. Well they completed the modification and reported to the credit agencies that the loan was late! This has now serious affected my ability to purchase a new home. The lender was all set to move forward with my mortgage until they saw the XXXX late payment. I have the 20 % to put down, enough in reserves, was per-approved, never missed a payment on my mortgage or equity loan in twelve years! I need Citibank to remove the " late '' report so the lender will process the loan. Please 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 non-monetary relief
Consumer complaint received 2015-11-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
I took out a loan to pay off several Credit cards, XXXX of them being Citi and Citi XXXX. I have XXXX Citi cards and XXXX Citi XXXX card. I was going to payoff XXXX of the Citi Credit cards and the Citi XXXX and just have the Citi Credit card. The checks were mailed out on XXXX, XXXX. The XXXX Citi Credit Card was paid off XXXX XXXX, I kept waiting for the XXXX card to be paid off, and kept getting calls for late payments. when I checked the XXXX Credit card., it had a credit of over XXXX the check written to CITI XXXX was used to pay the card I intended to keep open. I have had numerous calls to Citi to get this resolved, I never get to speak with the same person, I spoke with Citi around the XXXX of XXXX..to let them know of the error that was made.and was told that they would investigate and let me know in 5-7 days. When I had n't heard anything, I called again on the XXXX I was put on a conference call with Citi, Citi XXXX and the bank to verify the check had cleared and written to CITI XXXX, which was verified, I was told by a Citi supervisor named XXXX, that he would take care of it within 5-7 days. This past Monday I had n't anything so I called again I asked to speak with XXXX, and got a supervisor form Maryland, who said she could see all the calls that have been made, and that XXXX did n't follow through, she was going to expedite and would call me on Friday the XXXX. she had said that she hoped that everything would be fixed, but with the holiday, may not be resolved, but she would call. Well no call .... My wife has been emailing also so we have a record. Today we received an email that we would receive a letter within 30 days detailing the results of the investigation. Meanwhile, Citi health is calling and emailing wanting a payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Late fee

Complaint:
There was some fraud that occurred on my Best Buy Credit card. The fraud was reported and the company indicated that I did not owe the charges and they sent me another letter saying that I would not be responsible for the charges and they would correct the errors on my credit report. I 'm again receiving late fees and charges from Best Buy AFTER they said I was n't responsible and they are continuing to bill me " late fees '' and other charges for the account for which they said I previously owed nothing. They had a collector call me and I on recording told the collection agency the letter of what was sent and they removed the bill from their system.

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 2015-06-16
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
One main financial called my home at XXXX XXXX. I have proof of the call on my caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had to, unfortunately, settle a deed in lieu of foreclosure with XXXX in XX/XX/XXXX for my home at XXXX, XXXX, Alabama. XXXX accepted the offer of {$12000.00} made by XXXX. At no time while I owned the property was Fay Financial involved in the negotiations. On XX/XX/XXXX the XXXX recorded the deed transfer from myself to XXXX. 

However, in XX/XX/XXXX for the very first time, Fay Financial is appearing on my credit report claiming that I owe them {$180.00}, XXXX. That is clearly a false claim. I have reached out to them many times trying to get them to correct it. The first two times I was able to speak to a representative. The first agent told me she did not understand why Fay Financial would be listed as the owner of the loan. She then started the research process. I was told it would be concluded by XX/XX/XXXX. 

I also inquired with XXXX and received the same response. XXXX has since contacted me with their findings. XXXX 's stance is the property successfully transferred from me to XXXX through the deed in lieu process with no remaining debts. 

At this point, Fay Financial is preventing me from moving forward with the purchase of a new home. Fay Financial and Fay Financial Services is making false claims ; I need Fay Financial to stop procrastinating and correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
went to pay XXXX on phone-said i couldnt acct had gone to citibank-called citibank sad i didnt have to pay in XX/XX/XXXX and there would be no interest as i always paid account in full. got bill fron citibank with interest on it. called said 1st person told wrong info and there would be interest. asked for something in writing said they couldnt give me anything just dont pay. called again told dont pay interest but cant give anything in writing anf must pay total to not be charged next month when innterest credit will be taken off. asked for superisor told none available but would have one call some time. .filled out on line questionnaire with all this info got no response.

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