BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-05
Company: DISCOVER BANK
State: CT
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I recently filled out the required forms to transfer IRA CD 's from Discover Bank to a different bank. The instructions that were sent to Discover Bank instructed them to perform these transactions " at maturity ''. They liquidated the accounts immediately ( XXXX XXXX, 2015 ) and an early termination penalty was charged. Since that time I have called Discover multiple times and the fiasco is still not resolved. This is after working multiple days with a supervisor, XXXX, at XXXX. Discover Bank has VERY POOR customer service and does not properly train and supervise their employees. Thanks for nothing XXXX for your association with Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: DISCOVER BANK
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
My Son and I applied for a college student loan with Discover Student Loans because they have displayed/promote on their website viable rates as low 2.99 %. I have very good credit of XXXX and the lowest they gave was 6.5 %. I 'm not new to student loans because I have XXXX older Sons in college with private student loans also and I know what to expect. I think it 's a scam and dishonest to promote such a low rate when it 's really not available ( 'bait and switch ' ). I went with XXXX XXXX XXXX loans because I received a substantially better rate, Substantially!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a statement ( not itemized ) from Rent Recover Solutions, XXXX saying that a balance of {$5100.00} was due from 2012. This communication was mailed to my place of employment and to a post office box that I no longer have. 

The original bill is from the XXXX Apartments and was in the amount of {$650.00} which was not paid. The XXXX Apartments sent this to collections where it appears fees have incurred. 

Rent Recovery Solutions is threatening a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Continued attempts to illegally foreclose and violate CFPB Mortgage Servicer rules. 

I received the attached response from Dovenmuelhle in regards to my mortgage loan. They state that I was I was sent a notice of breach on XXXX XXXX, 2015, but just five days before that on XXXX XXXX, 2015 I had sent in a payment of {$820.00} via XXXX. The following month ( XX/XX/2105 ) I sent a payment of {$640.00} via XXXX and the following month ( XXXX XXXX, 2015 ) I sent a payment of {$550.00} via XXXX. ALL payments Dovenmuehle has neglected to credit to my account as well as other payments I have paid after this. 

In this attached letter from Dovenmuehle, they state they sent me XXXX refund checks ( {$800.00}, {$700.00} and {$710.00} ) ... I only received XXXX for {$710.00}. Conveniently the ONLY check they mention a check number for is the only check that I did receive. 

I have been making payments for the past year that Dovenmuehle has not credited to my account, which is a violation of CFPB rules. I have attached proof of payment from XXXX that I made payments at the time they are claiming I had a " notice of breach. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have made countless requests to have this outdated account removed from XXXX XXXX Account number : XXXX my credit report. I have NEVER received a response from Equifax. This is a closed account as of XX/XX/XXXX, which stays on your credit report for up to 10 years since the date of the last activity. The Date of Last Activity is XX/XX/XXXX. ( see screenshots ) Negative information such as late payments or collections generally stays on your Equifax credit report for up to 7 years from the date of first delinquency. Equifax seems to keep updating this account as if this is current information. As of today, this account is 15 years and 5 months old. The Status date : XX/XX/XXXX is ( incorrect information being reported ) which will be impossible. I was XXXX XXXX XXXX XXXX XXXX. I lost all my cars and houses in XXXX. Equifax has not properly investigated the account. I want this old outdated account removed immediately from my credit file. I would like an updated copy of my credit report to reflect the deleted information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
Over labor day weekend I leased a Hyundai from XXXX Hyundai in XXXX XXXX, CA. 
I checked my credit report later that week and noticed that there were XXXX inquiries per bereau, XXXX from XXXX Hyundai and XXXX from Hyundai Motor Finance. I did authorize my credit to be ran by the Dealership for lease approval, but was under the impression that it was only being ran one time. I did not authorize my credit to be ran two times. 

I contact XXXX, XXXX, and XXXX, all of which asked me to contact XXXX Hyundai, which I did. XXXX did not give a sufficient explanaiton as to why this happend and again I did not authorize XXXX pulls on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Holloway Credit Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Violated provisions outlined under the FDCPA [ unfair practices-15 USC 1692f ]. 

Holloway Credit Solutions in XXXX AL has been making illegal attempts to collect a debt from a minor, according to the verification information they have provided with last XXXX of social and birthdate. 

This debt does not belong to me and information about someone born XXXX/XXXX/1997 can not legally be reported to the credit bureaus. 

This account needs to be removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have traded in my XX/XX/XXXX Hyundai XXXX for a XX/XX/XXXX Hyundai XXXX in XX/XX/XXXX. Before the payoff process was completed an extra payment was submitted to my XX/XX/XXXX Hyundai Finance Account on XX/XX/XXXX During the last XXXX months I have called up Hyundai Motor Finance XXXX times and they have been promising me to send my refund check asap, which I have n't received till now. It has been extremely frustrating and I am not sure who could help me out since the the Hyundai Finance Customer Service XXXX are the one 's who are supposed to help me, but in this case have failed to their job.If a consumer/customer like me do n't make loan payments, a financial institution would be charging us with extra fees, but there is no justice for consumers like us when a financial institution fails to pay us back. The last call I have made to the Hyundai Finance Customer Service was on XX/XX/XXXXThe customer service representative has told be that they have sent the check on XXXX. The representative also told me that it usually takes just XXXX business days to get the mail, which I have n't. Typically I would have waited for it, but this issue has been unresolved for the past couple of months and I am extremely tired and disappointed with the service of Hyundai Motor Finance that it could n't handle such a petty case.

Company response to consumer: Closed
Consumer complaint received 2015-09-27
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In complaint XXXX, Green Tree responded that " As a customer courtesy, Green Tree is updating your account to report as current with the credit reporting agencies for the first 90 days of your account transferring to Green Tree from your prior servicer. '' They have not done so - XX/XX/XXXX and XX/XX/XXXX are still showing as " not reported '' at the major credit bureaus. 

As stated in that complaint, non-reporting creates a RICO-violating " racket '' by which customers are forced to patronize Green Tree Services without their consent. This is a criminal offense, and I would also like some advice from the CFPB in how to pursue pressing charges.

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 2015-08-18
Company: Ditech Financial LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX I entered into a real estate installment contract with The XXXX XXXX for the purchase of a mobile home. The amount financed was XXXX and the interest was@9.50 % totaling a finance charge of XXXX for a contract total of XXXX. At some point in XXXX XXXX sold This contract to Green Tree Servicing. I received notice of this via a monthly statement from GT. I continued payments never missing one payment and incurring a late charge. On XXXX/XXXX/XXXX I received a notice from GT That my loan was seriously delinquent and I phoned GT and spoke to a XXXX XXXX who reviewed my account and informed me that my loan was, in fact, paid in full. She further stated that there was an error in the interest calculations. I made a total of XXXX payments totaling XXXX against a contract total of XXXX resulting in an over payment of XXXX. I therefore cancelled my last payment of XXXX and expected this matter to be taken care of. In XXXX of XXXX I spoke to a manager named XXXX XXXX who informed me that the error was recognized and would be corrected and written off. I heard nothing more from them until I received a letter from them dated XXXX/XXXX/XXXX stating that I owed them XXXX. I contacted the number on the letter and was informed that my account had been turned over for collection. They would not listen or accept any information to the contrary and wanted their payment. I refused to pay a debt that I did not owe. I called for XXXX XXXX, XXXX XXXX and a lady named XXXX and was unable to get in touch with anyone. Next I started receiving a multitude of calls from various collection agencies and explained to each of them that I did not owe this " debt '' finally the calls stopped. Today I received a letter from GT That showed a new creditor XXXX. and that it was an attempt to collect a debt. This is the operable straw that broke the camels back. Enough is Enough.I do not owe these people any money! If I had any inkling or could be shown any documentation that I did I would have paid them a long long time ago.

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 2017-02-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX i submitted a complaint through the CFPB - original case # XXXX. I disputed the fact that Experian was still reporting XXXX debts from XXXX XXXX. The company has agreed to stop reporting, it was already deleted from XXXX and XXXX. Experian responded by saying that the student loan would be deleted from my credit report. The accounts were never deleted. i 'm attaching proof of the response letter from Experian and my most recent credit report showing the loans still being reported. They are scheduled to be removed in XXXX. but its been 3 years since they should have been removed in the 1st place.

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 2015-06-06
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband walked out on my for my next door neighbor so we short sale the house. My first mortgage company was wonderful and they offered my second mortgage company XXXX. My second mortgage company said they would not except any offers that I had to pay in full. They also tried to block me from getting money for moving. I closed on the short sale in XXXX 2013. In XXXX they called and offered me a settlement for XXXX, XXXX, and XXXX. I asked why they were able to make an offer now after declining the short sale offer????

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
CFPB, this is the third time I am having to submit this complaint against Ditech/Green Tree. My second attempt to file a complaint against this unethical mortgage/collection company, was verbally taken by one of your CFPB representatives. I made it specifically clear to him in XXXX of XXXX, that my second complaint was to clearly dispute Ditech/Green Tree 's unacceptable reply to my original complaint filed through you, CFPB, in XXXX of XXXX. 

The corrupt unethical business practices that Ditech/Green Tree conducted against me, as well as thousands of homeowners, has been well documented for years - subsequently with a class action lawsuit against them that was settled. I am definitely involved with the abusive, unethical business practices that they conducted against us, the homeowners. I began having issues with Ditech/Green Tree around XXXX when they purposely stopped taking my payments ( claiming never to receive them ), illegally added late fines, stopped taking my phone calls when I repeatedly filed for a home modification, repeatedly endured unethical unprofessional-ism by most of their representatives with XXXX XXXX making a completely insensitive comment regarding my XXXX father, repeated lies of not receiving my paperwork, etc. etc. All of this ... all of their unethical business practices caused me great personal damage! Aside from demanding all of the late fines they implemented to my loan, I want compensation for all of their abuse! I am owed financial compensation! Their reply to my first submitted complaint was a generic reply ; stating that they had worked with me in trying to give me a modification. Lies! They purposely conducted their unethical business practices, THAT FORCED ME TO FIGHT FOR MY HOME. They subsequently sold my loan to another mortgage/collection company - XXXX XXXX XXXX XXXX XXXX to get out from under my complaints against them! 

I want and am legally owed significant compensation for their blatant unethical business practices conducted against me - as well as all of the personal injury ( financial, health, personal issues ) factors that I had to endure. RETURN MY MONEY YOU ILLEGALLY ADDED TO MY LOAN BECAUSE YOU PRACTICED UNETHICAL BUSINESS PRACTICES! 

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 2015-08-28
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Illegal collection practicesharrassmentthreatsThe mortgage company contacted me demanding that I bring the account current. In XXXX of this year I missed a payment but I 'm doing the best I can to pay once a month since then. 

XXXX, from Greentree started to read me the disclosure about collecting from me when I informed her she had no legal right to collect from me as I a not on the Note. I am only on title. This should all be in the notes in the file as I 've been having issues with Greentree and illegal collection tactics since XXXX 2015. 

The loan was in my exhusband 's name only. I was deeded title to the property in the divorce. He filed bankruptcy after the divorce and discharged the debt. I reaffirmed with Greentree and have been making the payments since. 

When I got one payment behind in XXXX, I started receiving up to 8 calls a day from Greentree trying to collect. Even after I told them repeatedly that they have no legal right to collect from me because I '' M NOT ON THE NOTE. 

Today I got a call from XXXX from Greentree demanding that I bring the account current or they would start foreclosure proceedings. 

I explained for the millionth time the situation. 

She continued to harrass me after I told her she did not have my permission to contact me at this number. She placed me on hold and put XXXX on the line. 

Then he proceeded to harrass and threaten me as well telling me that if I didi n't make a payment and bring the account current it would go into default. 


The account is only 27 days past due as of today XXXX told XXXX I would make another payment in about a month and that the house is under contract and I 'm just waiting for it to close. He demanded I tell him when it would close. How XXXX do I know? So I told him I would get my crystal ball out and see if that would tell me. 

Then XXXX said that I was living in 'Greentree 's property ' that it did n't belong to me and that I needed to bring the account current. It 's only 27 days past due. 

I am sick and tired XXXX. I am doing the best I can to keep the payments up. 

They have tried numerous times to collect from me after I have told them not to. 

I 'm tired of being harrassed when I 've done everything I can to keep sending in monthly payments. 

Hopefully my house will close quickly so I do n't have to deal with these jerks anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Ditech Financial LLC
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of this year, I utilized the Ditech mortgage website to start making bi-weekly payments. Payments have been deducted from my savings account, but mis-applied to my mortgage. I contacted Ditech on XXXX XXXX by phone after receiving a statement saying that my mortgage was late. I was told that the payments would be corrected and that the late fee would be waived. I checked the website on XXXX XXXX and my account is showing that my mortgage is due for XXXX XXXX, but should not be due until XXXX XXXX. They are also showing that I owe a late charge, but I have never been late. I used the messaging system on their website, but have not received a response and the error has not been corrected. In looking at their website, I also noticed that their policy is to place partial payments in suspense rather than applying them to the loan at the time received even though the whole point of the bi-weekly program is to reduce interest paid and pay off the mortgage sooner. I am concerned that their errors in posting my payments and their failure to properly correct the issue are going to negatively affect my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There was an unauthorized inquiry performed.

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 2020-12-30
Company: EQUIFAX, INC.
State: AL
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 have paid all my loans on time, for over 10 years, and my credit has be outstanding above 800, but they seem to lower my credit rating by an unreasonable amount when it takes so much time an effort to raise my score! how can they drop it down over 50 points in one click of their mouse? this is up surd, so is this a way to keep a poor man down while the rich bankers laugh all the way to the bank. I work hard for my credit ratings always have, but this kind of of democracy is and should be unjust!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have disputed several accounts from this Collection Agency. Besides that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have retained new copies of my credit reports, and noticed that they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XXXX/XXXX/2016. ( i have certified mail receipt as proof of signature ). 

I have sent them a letter on XXXX/XXXX/2016 regarding this issue and that they must now remove all negative accounts from my credit reports ( attached herein ). however for some reason i have n't yet received confirmation of delivery. Since I do n't want to wait any longer I am filing this complaint. 

If the negative accounts do n't get removed in a timely fashion I will file a small claims suit against your company. 

I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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