BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: iFreedom Direct Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had spoken with XXXX XXXX of jFreedom Direct about a possible mortage and i told her i had a collect that i was working to have removed. She told me she wanted to get a copy of my credit report from all XXXX bureaus. I told her no. I again told her about the collection account and how i had to give them at least 30 days to respond. She aggreed to wait and we ended the call. I have credit monitoring and i was shocked when i received an email that XXXX had run my credit. I contacted them as i had never heard of this company. And never gave anyone permission to obtain my credit file. They gave me the name, address and phone number of a person named XXXX at iFreedom Direct who requested the report. As i have never spoken to this person, i called XXXX who admitted that there was indeed a manger named XXXX with her firm. She claimed that no one at iFreedom DIrect had run my credit. She called me later claiming she had a CSR from XXXX on the line to 'prove ' that they did not request my credit report. I told her when she got XXXX on a conference call then call me back. I have not heard from XXXX or XXXX. I never gave her permission to run a credit report. The address and phone numberof the iFreedom Direct person I was working with and that requested my credit file is : iFreedom Direct. XXXX XXXX XXXX XXXX, CA XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Performant Financial Corporation
State: ME
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:
Entered agreement with Performant Recovery Inc. to pay nine months of agreed upon payment to have my Federal Student Loans Rehabilitated. When the nine month period was satisfied Performant indicated they calculated my payment wrong and that I needed to start the nine month period over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, XXXX Ditech Financial LLC Previous Account # XXXX ( XXXX/Green Tree ) Previous Account # XXXX ( Green Tree ) Current Account # XXXX ( Ditech ) This letter is in response to your letter dated XXXX XXXX, XXXX. 

We have made SIXTEEN (!! ) different calls to Ditech Customer service regarding our situation and NO ONE has yet to resolve our issue. Based on the letter we received, NO ONE seems to understand the issue. There is NO problem with the current mortgage # XXXX ; our issue is with the DISCHARGE OF ACCOUNT # XXXX. 

So here we go again!!. 

Exhibit # 1 : Our original mortgage was with XXXX Mortgage in XXXX. This mortgage was assigned to XXXX XXXX XXXX in XXXX ( account # XXXX ). In XXXX XXXX, the mortgage was assigned to Green Tree as evidenced in exhibit # 1 attached. 

Exhibit # 2 : In XXXX XXXX, we remortgaged with Green Tree. At the time of the remortgage, a discharge was completed. However, Green Tree was not discharged from the mortgage, XXXX XXXX XXXX was discharged. This is evidenced in Exhibit # 2. THIS IS THE PROBLEM. At the time of the discharge, XXXX XXXX XXXX did not hold the mortgage, Green tree did. 

Exhibit # 3 On XXXX XXXX, XXXX, we were contacted by the attorney 's office who is handling our current refinance. A copy of the email is attached. At that time, we contacted Ditech, our first phone call. We were told to provide a copy of the email ( which is exhibit # XXXX ) from the attorney. We did this on XXXX XXXX. At the same time, we were provided with a secure link in an email. We uploaded the email ( exhibit # XXXX ) and the assignment, Exhibit # XXXX. 
This attorney 's office conducted a title search and discovered the issue with the discharge being incorrect. 

Exhibit # XXXX Copy of the fax sheet sent to XXXX regarding what needed to be corrected provided on XXXX XXXX, XXXX.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: ECMC GROUP, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Established credit card with this company on or about XXXX XXXX. This credit card was included the Chapter XXXX filing of XXXX XXXX, discharged on XXXX XXXX, XXXX ( proof attached ). However, this creditor is violating the order of discharge by attempting to collect this debt through a XXXX party debt collection agency ( Premiere Credit ).

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 2021-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I started a savings account needed to make a transfer from my father 's account to my account upon his death and made a deposit of {$100.00}. The transfer from my fathers account proved problematic due to terms of his will so I wanted my funds back. Multiple attempts to get my funds have been ignored entirely. Other people with similar experiences as USAA have said that USAA sold a portion of their business to XXXX XXXX and many accounts were stolen, lost or not transferred in a seamless manner to the account holder and legal action was needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was with XXXX and that loaner only had to pay taxes and insurance. No payments were required from XXXX for over two years and house was written off. Then on XX/XX/2015 Green tree sent client a letter requesting payment of XXXX. Client is on social security XXXX and unable to make any payments after two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank advertised the promotional bonus in XXXX stating that after 30 days of satisfying the deposit requirement ( of new {$15000.00} ), {$400.00} bonus would be deposited in the customer 's account within 90 days. I opened a checking account and deposited {$15000.00} on XXXX/XXXX/16. As of XXXX/XXXX/16, it has been 120 calendar days and I still have not received the {$400.00} promotional bonus. I called customer service to open an investigation. I checked back today and was advised a letter will be sent to me in regard to the bonus. I still have not received the {$400.00} promotional bonus as promised by Citibank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16
Company: Lending Club Corp
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was approved for a loan in the amount of {$16000.00} in XXXX XXXX and my first payment of {$370.00} was deducted from my XXXX account in XXXX XXXX. Loan # XXXX I was automatically set up on automatic withdrawal payments and was told that I would be able to remove the automatic withdrawal payment option in the future if I wanted. 

What was not disclosed to me was that if I removed the automatic withdrawal from my account, I would be assessed a {$7.00} fee for each payment I sent the company. After closing the XXXX account, I send payments thru XXXX XXXX Bill payment system to the Lending Club. 

XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX I have received two ( 2 ) emails from the Lending Club telling me that they do n't accept partial payments. These are not partial payments as they are sent to The Lending Club prior to the due date. They are attempting to force me to pay only once ( 1 ) a month. This is a Simple interest loan. I have been bombarded with emails stating that they will apply my payments as " principal only payments '' and force me to pay the payment of XXXX as it is still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
I have a Macys and Macys American Express accounts that I get email bills and pay electronically from my credit union checking. Macys changed their billing addresses without notification resulting in late payments with fees and interest charged. I am never late. Macys could not straighten out the correct address but my credit union finally did and tested them. Macys waived the late fees but not the interest. I have seen this with other vendors and find it an underhanded way to extract money from customers. I have other vendors who are diligent about reasonable notification so it is possible. I question the competence of their IS department as it took them several weeks to complete an upgrade that resulted in this.

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 2017-01-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
i have a credit card account with citi bank since XX/XX/2002. I have been making payments every month and recieve statements every month. For the past four plus years i have been locked out of my account and citibank refuses to issue a replacement card, unlock my account or grant me access to my account online. i have made many calls and have been told my account has been closed. i informed them that my account is not closed and i have been making payments and receiving statements with available credit amounts and never canceled my account. Each time i call they confirm my address and tell me a letter will be sent to my address to correct the issue. and a replacement card issued. i currently have a credit on my account and i am unable to modify payments due to my separate citibank being unlinked by citibank and i can not view or modify those transactions. I want my accounts linked up and a new card issued.

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 2015-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates , LLC ( PRA, LLC ) sent my household a collection notice under a name that is not mine. In addition, PRA, LLC is attempting to collect on a time-barred debt over 14 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent several certified letters asking them to Validate this account with my Signature within the 30 day time frame. I did not receive any responses from them. Even though they signed for the letter. They still have not removed this account from my Credit reports They also show this account still open with XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this with Toyota Motor saying account XXXX is a fraudulent account. I was told to fill out a fraudulent package and send it back to them. I did that also. I call around XXXX XXXX 2016 and spoke to XXXX in the Fraud department. He told me that they investigated the information back in XXXX and they found that the item was not fraud. I told him how did they investigated the information back in XXXX and I just turned in all my information showing that my identify was stolen at the mid of XXXX 2016. They refuse to do their due diligence in investigating my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Complaint that I have is with PORTFOLIO RECOVERY ASSOCIATES. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with PORTFOLIO RECOVERY ASSOCIATES. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio recovery constantly harasses me about some debt or another that i do not owe. I have pulled my credit file from all XXXX major credit companies and took care of XXXX issue that had shown up. It was by XXXX XXXX XXXX. I contacted XXXX about the debt and they said there was no debt on my account or I would not have a cell phone with them. I then file a complaint with all XXXX companies and asked that they take this off of my file. This was done I think over a year ago. All XXXX companies took this XXXX XXXX XXXX fictitious debt off of my credit score. 

I have told Portfolio recovery to quit calling me as per the government web site and advise from my Attorney and they still call and try to intimidate me by threatening me. I have no debt yet about every 3-4 months they pull a soft credit to see if they can get money out of me that I do not owe. I can see that this company has had many complaints and I am not sure why the Federal Government has not shut them down. 

I show no delinquent debts on my credit score. Any issues I may have had are more than 10 years old and had been paid off. 

The phone number used this time was XXXX. I am aware that they have over XXXX phone numbers that they use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates took a default judgment against me. I did not appear in the case because I was never served with the court papers. I tried to vacate the judgment several times, but was unable to follow through because I had been seriously injured in a mugging which has required several operations. Last summer, I received a notification from Portfolio Recovery Associates that they wanted to discontinue the court case and they included a stipulation to discontinue the action. I consulted with the attorney and she told me that since there was a judgment against me, the case has been disposed of and the only way to get the case discontinued is to vacate the judgment and then discontinue. I contacted PRA. They were very rude to me and refused to help. I then retained an attorney. She has written to them and phoned them and provided proof that there is a judgment so that they will change the language to reflect that the judgment is being vacated. After every contact, they just send her another form letter with the same form stipulation without the language vacating the judgment. I understand that PRA entered into a settlement agreement with the CFPB which is why they keep sending me the stipulations. When my lawyer has talked with them, they have told her they did not know there was a default judgment and asked her to give them proof but even after she faxed a copy of the judgment to them, they still keep sending back the same form stipulation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I voluntarily surrendered my vehicle to XXXX XXXX aka Toyota Finance on or before XXXX 2014. Toyota Finance since then, have been purposely re aging or updating my account monthly destroying my credit score. I disputed this with the credit bureaus on several occasions and Toyota still continues to be the professionals that they are and hold a grudge against me in retaliation for returning a vehicle that I could n't afford. I use different credit monitoring sites and have been watching my scoring activity over the last XXXX months. Well I saw that Toyota Finance reported the account as ok some months and then come back and report my account as being derogatory. They even updated my account as being a joint account. Unless there are XXXX of me, no one else signed any documents besides the scamming sales rep that sold me this vehicle. They ( Toyota finance ) are knowingly doing this to me and probably many other consumers to purposely destroy their customers who are and were going through a bad point of their life. I also learned that there was a deficiency letter that I was suppose to receive after reading forums that I did n't receive I actually had to call in and get this information on my own from Toyota Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery calls daily, usually multiple times per day, regarding a stranger 's debt. Sometimes they leave a message, sometimes they do not. This has been going on for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had a XXXX XXXX card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from Portfolio debt collectors, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Apparently this company Transworld Systems Inc. did not get the correct information from XXXX XXXX XXXX. Or shall I say they " inadvertly '' forgot to send them all of the paperwork that I submitted to them regarding this account. The account is a Identity Theft account. I did not give anyone permission to sign my name or to continue with any transaction. I just happen to find out when I order my credit report in XX/XX/XXXX that a student loan was forged in my name! This company failed to review the supporting evidence and had the nerve to try an decline my IDentity Theft affadavit!. Obviously they are trying to scam their way to getting paid on this account. I have filed and sent them every single paperwork including my police report and the actual original copies that I have from that date.There are XXXX sets of originals here and obviously they TWS has the wrong one. I have the forged copy that was sent to me from XXXX XXXX XXXX whichj obviously did not get to XXXX. XXXX is dated XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX letter was sent out stating to make corrections and return. Well needless to say I never returned them. I spoke with the representative who stated the letter was self explanatory. IF I dont return they can not proceed with the application. Well " someone '' forged my signature on XXXX/XXXX/XXXX and the forged copy was dated XXXX/XXXX/XXXX with corrections in it that I never made, and originals that I still hold in my possession. TransWorld has failed to provide me with an investigation report and a closure report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 was tried to re-finance with my XXXX new Toyota Prius with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and told I had been reported {$8400.00} in debt since XXXX, XXXX by Midland Funding LLC XXXX. 

I came from XXXX and lived in XXXX XXXX, XXXX XXXX in XXXX, XXXX and moved to XXXX, XXXX XXXX in XXXX, XXXX and had never owed or loaned to anyone when I was in XXXX and my previous credit limit was not allowed to owe or loan that much money when I came. 

I tried to call Midland Funding LLC XXXX XXXX XXXX and one of the Salesman told me he ca n't help me unless I hire him as personal agent or pay the full amount in order to get an answer how I owe the money of {$8400.00} with Midland Funding LLC XXXX. I also tried to get more information from him, but he just hang up my phone when I said I need to know the reason why I owed Midland Funding LLC XXXX before paying the money. 

Because of the debts in Credit Report system so I ca n't get the car loan with XXXX XXXX XXXX XXXX XXXX. I really need CFPB 's help to find out why I ca n't directly get those information from Midland Funding LLC XXXX company and why there are so many difficulties even though I am the innocent victim.

Company response to consumer: Closed with explanation