BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear  Consumer Finance Protection Bureau, I have been having a problem with the Ditech LLC,   loan servicer for my mortgage.  <P/> After months of working to negotiate a loan modification I have been denied. The loan modification process was fraught with constant frustration in dealing with Ditech which has insisted repeatedly on applying grossly inaccurate and incorrect information to my application.  <P/> At this point I have no idea whether I would qualify for a loan modification or not, but I have concluded th at Ditech was never working in good faith to determine if I could qualify for one, tho ugh their attorney told me in foreclosure mediation that I would definitely receive a modification and be able to keep my home. It seems in hindsite that their strategy was simply to burn up time and let my monthly arrearages accumulate until they go to a point where the amounts were too great to qualify for any forbearance in a loan modification guideline.  <P/> While I have not given up on the possibility of pursuing a modification to make my payment more affordable, I am now forced to switch approaches to the immediate problem, because the foreclosure process has moved forward and has gotten to the point where there is a Foreclosure sale scheduled for Monday,  XXXX   XXXX ,  2017, at   XXXX . This is only 5 days away.  <P/> As an alternative to this foreclosure I have been attempting to pursue making full payment of the past due amount to reinstate my loan. However, again I am experiencing that Ditech is not working in good faith to accomplish this.  <P/> On  XXXX   XXXX ,    2017 I made  a formal request by phone to Ditech for the full amount of funds required for reinstatement. Ditech told me this number would tak e 3-5 b usiness days to prepare. Today  XX/XX/XXXX , is the 6th business day. I have not received the reinstatement amount.  <P/> Ditech is not answering my phone calls ; they are being filtered directly to voicemail ; and Ditech is not returning my repeated voice mail messages.  <P/> I do not intend to allow the foreclosure process to proceed and will seek the alternative of a bankruptcy filing to prevent it however, this is not only asinine, but very harmful to my attempts to rebuild my life and prevent additional damage to my credit history.  <P/> I have secured through savings enough money to presumably pay the reinstatement amount tomorrow. But because Ditech is ignoring my phone calls, and my request for a reinstatement amount, I can not make the reinstatement payment.  <P/> This forces me to spend another {$3000.00} dollars in legal fees to stop the sale with an unnecessary bankruptcy filing.  <P/> This just seems wrong. Are there any laws being broken with Ditechs obfuscation, stalling, and delaying tactics?  <P/> Is there anything you can do to help me with this? Anything at all would be greatly appreciated.  <P/> Thank-You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Following a deposit through an ATM of a Chase Bank, an unathorized withdrawal of {$400.00} was allowed in my account. The image of the deposit slip shows a signature that does not math nor does it display my name. After back and forth with the bank they will credit back the amount to my account but continue to say they will not follow up with finding out who was responsible at the branch for allowing the transaction and who was the person responsible for the theft.  Chase  does not protect your private information as they should and after making their mistakes they refuse to help in anyway the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: PA
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:
2 Months ago, I checked my credit and found that someone at  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,  XXXX   XXXX  and SS # to apply for a  XXXX   XXXX  credit card. I immediatly, contacted  XXXX   XXXX  and denied the application was mine and requested a freeze on the fraudulent application. my credit score was effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section XXXX XXXX a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a certified letter dated  XXXX / XXXX / 17  requesting the company complete the items requested in the letter to Validate the disputed amount owed.     They responded with a letter Verifying the account. They did not furnish the requested information Validating the amount they say is owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I turned in my lease to XXXX XXXX in XXXX OH. Vehicle was under milage and in excellent condition. I purchase another vehicle from this dealer. I received a letter from GM financial stating they received the vehicle from XXXX XXXX. I never had any other billing statements from GM financial. 
On XX/XX/XXXX i received a notification from XXXX XXXX regarding a change to my credit. GM financial had put a late payment on the credit report. On XX/XX/XXXX I called GM financial and was told i had an outstanding termination bill for a Disposition Fee. I explained to XXXX Badge Number XXXX that there was a billing error and never received any notifications. I asked for her to remedy the situation by removing the mark. She declined. I still immediately paid the balance in full and felt very betrayed by General Motors whom I've purchase 8 brand new vehicles from.

I was told GM financial mails only 1 statement for end of lease. Even after the original due date GM financial made no attempts to contact me. After the lease i periodically checked the online payment portal and my balance was always XXXX Paid in full. XXXX told me end of lease charges are not linked to there own online payment site. 
This charge was not a reoccurring installment loan. Being a 1 time bill GM financial did not act in good faith to collect. I don't believe 1 statement for a non installment load is correct under the Fair Credit Billing Act. GM Financial has since marked the account as closed to credit bureaus but has insisted the late payment stands. On my credit report prior to GM Financial i had 100 %, 248 month consecutive payment history. I am seeking removal of late payment do to " Billing Error ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: PHH Mortgage Services Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
my Property was going to foreclosure on XX/XX/XXXX, I tried doing re adjustment but they said i can't do that, they gave me 2 months to do short sales or readjustment then I sent all the paper work they needed to do short sales, than they get back to me on XX/XX/XXXX and said all the paperwork i sent was out dated its been 2 months i have to send all the paper work again, witch i am willing to do but I travel for work so its hard for me to send 2 years on taxes ( 90 pages ) bank statement s ( 50 pages ) paychecks all this via fax, and they still can't guaranty its not going to foreclosure and foreclosure on XXXX the XXXX, they wait 2 days before the foreclosure to tell me all my paper work was out dated, this is just crazy, they are not willing to do readjustment they wont let me do short sales i am trying to avoid foreclosure, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A second mortgage was taken by myself and wif e  XX/XX/XXXX . we ma de payments until  XX/XX/XXXX , when I lost my job and we separated. the house was foreclosed and the second mortgage was discharged XX/XX/XXXX .The loan was originally  XXXX  dollars. My wife had her share, {$9000.00} reduced to {$7000.00}. On XX/XX/XXXX  a court ordered judgment of {$11000.00} on me to {$20.00} a week. The  XXXX  they reduced my wife they added to me. They garnished {$1000.00} for 17 years totaling {$17000.00}. That {$8600.00} interest on a dischared loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-06
Company: Seterus, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
-They keep charging PMI insurance while I payed 1.60049291 % of my mortgage price -They allow ( permit  ) my la nd load to decide about my mortgage which they should n't involve at all about my mortgage. I only must make a decision about my mortgage.   -They make open access information for my land load. They should not.   Please help me, I 'm a single mom and trying my best all the time to support my life and keep my mortgage. Also, I have lack of knowledge to enforce them.

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 2019-12-07
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This is my SECOND Complaint regarding the same issue with my Discover Card Bank Transfer/CFPB Complaint Case Number : XXXX ; based upon my complete dissatisfaction with the letter I received from XXXX XXXX, Executive Office of Customer Advocacy at Discover ; as well as with the paltry {$50.00} Monetary Relief Amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. XXXX  sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( XXXX  ) XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$790.00} # XXXX this account is NOT mine. Inquiries XXXX/XXXX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXXA, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine. ( Transunion ) XX/XX/XXXX XXXX XXXX XXXX  {$790.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX this account is NOT mine. ( XXXX  ) XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. Inquiries : XX/XX/XXXX, XXXX XXXX  NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NOT mine, XXXX XXXX XXXXXXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.

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 2019-12-07
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I utilize a credit monitoring service. On XXXX I discovered my XXXX  rating had dropped over 150 points. My mortgage is being reported as being " in foreclosure '' despite having a 100 percent on time payment history and being current.

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 2019-12-07
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called in to XXXX  on XX/XX/XXXX, to place an fraud alert on my credit profile. There were unauthorized inquiries on my report. They handled the situation, disputed the items, and also placed an alert on my profile. Also, I was assured that I would receive a phone call before any pull will be made.They also assured me that the fraud alert will be placed on XXXX   and Equifax 's bureau. Months later its still happening. I recently found out i was a victim of Equifax 's Data Breach back in year XXXX. I have had no credit activity until several months after the data breach. My information was compromised. I have alot of inquiries on my report from someone trying to obtain credit accounts in my name due to Equifax 's Data Breach. I have not been able to access my report through Equifax 's Bureau. One of them hung up on me. I cant Obtain any information regarding the complaint. I have asked that any hard Inquiry that was placed on my account in the past 17 months be removed, as they were fraudulent and not authorized by me. I couldn't even get them to place a security freeze on my account. I have given them all necessary documents and still nothing. I am asking that they remove all fraudulent activity as referenced above. The only Inquiry that was made by me was XXXX XXXX, nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XXXX XXXX, 2017 I visited my local branch of BBVA Compass Bank to open an Individual Retirement Account. I had to open the account prior to funding since the non-taxable transfer of my 401k account had to be directed to the bank. The same day, I received a credit alert from my XXXX XXXX provider that a hard credit bureau inquiry was made on my social security number by Compass Bank. On XXXX XXXX, 2017, the funds from my 401k were made available to finish the funding of the IRA account that I  opened. The transaction was completed and funded on that date. In addition, on XXXX XXXX, 2017, I requested that the bank remove the hard " credit '' inquiry, as no permissible purpose existed to obtain a credit report for this deposit account. The bank personnel refused, citing that the bank " always '' pulled a credit report for new customers. I objected and indicated to the bank personnel that the hard inquiry changed my credit score for the worse as if I had applied for credit from the bank. In addition, I did not receive a disclosure regarding the bank 's use of the credit score, or the fact that I did not, nor do not intend to apply for credit from this bank. In the bank 's privacy statement it indicates that the bank will use information obtained about a customer to solicit credit products. I could not object to this use, and am thus now penalized as though I had applied for credit when I did not! There are other means to verify identity when opening a deposit account ; I object that the bank utilized a credit bureau report to verify my identity without my permission.What I seek is the removal of the Compass Bank credit inquiry at the credit bureau and remove credit information obtained from such report from my customer profile at the bank so that I am not solicited for credit products. If I had known that this bank would pull a credit bureau on a deposit account, I would not have opened the IRA account with them. Now I am stuck with this account at this bank without the ability to transfer the funds to another bank because of IRS rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I made an electronic payment to BBVA credit card. My balance in the statement was only {$21.00}, I overpaid them {$170.00} more. On XX/XX/2019 I called to request a refund, customer service asured me that a check for that amount should reach me in 7 to 10 business days. The ticket # created XXXX. On XX/XX/XXXX called again about same issue, they said money was paid electronicly back to my account through a third party called " Free check '' I assured them that they told me that they could not do it elctronicly because I did not have a checking account with BBVA, after going throug a rollercouster with phone transfers, a customer service name XXXX assured me that she was going to do it right, because I asked to talked to a supervicer, she said the same, I should receive it in 7 to 10 businesd days. XX/XX/2019 called again spoke with XXXX, he said the same tha my money was sent to check free and nothing they could do about, asked to talked to a supervicer, waited 30 minutes or so, finally a superviser named XXXX came to the phone, said sorry your money was paid XX/XX/XXXX through check free, nothing we can do about it, is something that is happening all the time, sorry nobody explained you that we returned your money the same way it came through and check free has it or your bank need to follow up on that. She said that she called them in the mornig about another case because is happen all the time. Case # XXXX. Went to a BBVA branch to see if they could escalate my issue, but he just called customer service told him the same, he told me the same follow up with your bank because they paid your money. No help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date of telephone conversation : Friday XXXX XXXX, 2017 Name of Company : Asset Recovery Associates, Inc. XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX ( XXXX ) XXXX Let me first state that I had just recently had XXXX and was not totally coherent when the call came in. I had a very terrible experience. I received a VM message and called them back only to be threatened that if I did not pay ( mind you this goes back 24 years ) that they would notify all my creditors that I am a high risk and that all of my credit cards would be cancelled. I was given two options ( 1 ) accept settlement offer now ( 2 ) if I do not accept settlement offer now, that if I called back, it would not be honored. I advised the person that I felt this was a threat and wanted to check with my attorney. All I was asking to do was to have the opportunity to check with my attorney to see if this call was legitimate and not a scam. The representative kept me on the telephone for one hour 26 minutes making every attempt to wear me down. She finally wore me down and was able to put the majority of the money she was trying to collect from me on a bank transfer and the difference on a XXXX. She kept telling me that a Judge had issued a judgement and that it was going to Federal Court. After serious thought and consideration, I realized that there was no way that a Judge had issued a judgement and was filing in a Federal Court. I then requested a copy of the judgement etc. and she refused to send to me stating that the offer would be off the table insofar as a settlement offer. The representative was very rude, threatening and condescending in her conversation with me. They started out with a 50 % discount if settled now, followed by an additional 3 % for senior citizen discount. They prey on senior citizens in hopes that you will fall for their line of XXXX. I did unfortunately and feel really stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MBA LAW-I SENT IN A LETTER TO THE COMPANY ASKING FOR A COPY OF A CONTRACT BETWEEN MYSELF AND MBA WITH MY SIGNATURE, BUT HAVE NOT RECEIVED A RESPONSE OR A CONTRACT.

I HAVE NEVER HAD ANY BUSINESS WITH MBA AND DO NOT OWE THEM ANYTHING.

THERE ARE REPORTING {$410.00} FOR THIS ACCOUNT BEING OWED.

Company response to consumer: Closed with non-monetary relief