BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
My wife went shopping at Best Buy, at the check out the check out person asked if she had her rewards card, my wife replied no thinking it was common practice to give the cashier your phone number to receive what ever discounts were available. Cashier asked her phone number and her address but when she politely gave her ssn number she caught herself a second to late. When she came home and told me about it I said something was n't right. After being warned never to give out to much information she was worried. Sure enough, we called the store the same night, only about 1 hour later and found out she was to receive a credit card. She did not want it so she denied she applied for credit and asked for the process to stop. Store insisted that they could not reverse the application and it had already went through. I checked our fico score only to find out that not only her credit was affected but mine as well for a closed account. We called again asking how did we close a account which we never receive a card or applied for XXXX all in a manner of 1 hour of time. But they did not want to help, I found out that the cashiers are pushed to open new accounts. I was n't even there and my credit score got hit by XXXX points for closing a credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Was in foreclosure in XXXX. I went to court. Chase lawyers did not serve me right. Sent me a letter suggesting they can buy my house. I could not contact their lawyers. Phones at law office were never answered. Chase offers me a streamline modification. I paid 3 months mortgage. Paid final modification trial XX/XX/XXXX. I waited for papers from Chase so I can sign new modification agreement. On XX/XX/XXXX I called Chase and they said they sent to lawyers on XX/XX/XXXX and I had to return them by XX/XX/XXXX. I asked Chase to email me papers directly and I returned by XXXX the same day. I finally received the modification papers from their lawyers on XX/XX/XXXX. It seems like these papers were intentionally sent to me late so that I can go back into foreclosure. Chase needs to deal with a different law firm because this is negligence and it could cause harm to homeowners that want to keep their homes but miss the deadlines due to the Chase lawyers fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to update immediately : XXXX XXXX XXXX : {$260000.00}

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 2016-09-02
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my regular invoice from my mortgage company in XXXX and it had the normal totals. In XXXX, I was sent an invoice that shows that I owe {$9600.00}. Five days later I received another statement for XXXX shows that I 'm even more severely behind without making any payments since at least XXXX of this year ( which is untrue ), and I owe {$13000.00}. I have not missed any payments, and I 've called my mortgage company unable to get anyone to answer after XXXX minutes of holding almost each time. I emailed them and was given a response that they would mail an update to me which I have yet to receive. I followed up with that email, and they will not respond to me. They give you an extension for your account representative, and the extension does not work. This is not the first time that I 've found that they have unscrupulous accounting practices, however I desperately need assistance to get this resolved quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back around XXXX I received a letter or notice stating my mortgage was past due by about 3 months. I did n't agree so I called and explained the situation. I was given a fax number to fax all supporting documentation over to and I sent it over several times, finally getting a designated representative to help me. XXXX payment was adjusted and corrected to my account, but XXXX was still showing one more month past due then my records showed. Just as the rep was doing the research and helping me get to the bottom of it, my mortgage was sold to Ditech in XXXX of XXXX. Since then, I have called and repeatedly faxed all the documentation and explanation to Ditech but no one calls to help me. They send me letters showing a payment history since XXXX of XXXX, which is when Ditech took over. This issue goes back much farther back into XXXX. I just got a foreclosure notice saying I owe {$7000.00} and that is not correct. They gave me til 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 2020-12-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my reports there is a closed account with huge amount of missed payments. AMEX Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AMEX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Mortgage was bought by Green Tree which Changed their name to Di Tech. Due to A XXXX issue with my daughter I was trying Get my interest rate reduced it is at 7.036 % I was sent a letter and told to not pay XXXX payments to Qualify for XXXX or XXXX program. All Documentation has been sent they keep Stalling. No answers and now they are threatening Forclosure. They are many complaints on /line of The same issues. I sent everything by fax and Certified mail. Still say they have not received All documents. I have proof they have it. Please Help me before I loose my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$17000.00}

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 2016-07-07
Company: ECMC GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is purchasing something from another CORPORATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Ability Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have never opened an account or had an account with these people. This is a result of fraud and identity theft. I have disputed and contacted them with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My company offers an HSA ( health savings account ) health insurance option with the HSA provided by XXXX and BNY Mellon. During the benefits enrollment period in XXXX 2015, my company *strongly* encouraged everyone to sign up for the HSA option over the tradtional PPO plans. I generally like the concept of HSAs and signed up for one, opting to contribute the maximum limit. Now XX/XX/XXXX, BNY Mellon has unilaterally decided to impose a $ XXXX/month fee on all balances below {$5000.00}. This was apparently a right reserved to them per the account terms to which we had to agree in order to opt-in to the HSA plan. As a consumer and employee, I never had the opportunity to fairly negotiate this as part of my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX  on XXXX  and experian shows late 7 times which i was not i want this removed off my credit report -

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 2016-09-06
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with XXXX requirements to CommonWealth Financial Systems , Inc . I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt is under investigation to be validated by CommonWealth Financial Systems XXXX Inc. After doing my research I found out that CommonWealth Financial Systems , Inc does n't have the right to collect debt in Texas XXXX Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. CommonWealth Financial Systems, Inc should cease all collection efforts and remove the debt from my credit report promptly. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control. 
Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 
On this site, you can search for individuals and entities that have filed debt collector bonds with the Office XXXX. The search results will indicate, based on the information filed with the Office XXXX, whether the bond is active, pending cancellation, or has been cancelled. All fields displayed are searchable. You can see from the documents that CommonWealth Financial Systems, Inc cancellation was in XXXX/XXXX/2016 prohibiting them from doing business in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Debt Management Incorporated
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Between XXXX XXXX and XXXX XXXX, I received several phone calls from a CRA agent named XXXX, who consistently left messages in a threatening tone ( " You must respond by XXXX time or further legal action/litigation will be taken '' ). This was in reference to a {$180.00} medical debt. When I finally spoke with the agent by telephone after XXXX last threatening voice message, he made abusive comments and refused to respond to my written debt validation request. He referred to it as a " meaningless stalling tactic '', accused me of lying and skirting my responsibility for the debt. When I mentioned getting my attorney involved, the collection agent snapped that he had marked the account as a " refusal to pay '' and hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: U.S. Auto Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I keep receiving calls for an individual that has NEVER LIVED or resided or even visited me in my home - I have REPEATEDLY asked for this collection company to remove my number from their call list ( XXXX ) - I get at least XXXX to XXXX calls per week for a niece that I HAVE NO CONTACT WITH and that resides somewhere in XXXX Tennessee - I live in XXXX CAlifornia. This has been going on for several months. 

This morning was the final straw. I received a call at XXXX yes XXXX in the morning on XX/XX/2017 from telephone XXXX WAKING UP MY ENTIRE HOUSEHOLD .... I have young children, and it just so happens that my entire household is ill with the XXXX and I had just got everyone to sleep at XXXX am after bouts of XXXX cool baths and medication administration and breathing treatments ... THey had only been asleep for approx. XXXX hours ... so when this CALL came in at XXXX am - I answered thinking that it was an emergency call from a family member ... HOW WRONG AND IRATE I became. 

I requested the name employee number and corporate telephone number and corporate name from the person who called me - SHE REFUSED saying I could talk to her supervisort -AFTER XXXX minutes waiting I spoke with a XXXX employee of XXXX who stated that the call number they use is XXXX ( not the number on my call log ) .. I advised that they were outside of collection call guidelines by calling me WELL BEFORE XXXX am in the morning which is normal for their company and that I had previously advised at LEAST a DOZEN or so times within the last couple of months that the person they are looking for does not and has never resided in my home and does not even RESIDE In the the state of XXXX. - he said it was a mistake - that the file does indicate DO NOT CALL- I advised that is what I am told EVERY TIME They call. Oh sorry XXXX - we do have do not contact for your phone number. I had advised previously that I was going to contact legal representation for harassment. 

What can I do to BLOCK this company from EVER contacting me again? - I need to put a stop to their ILLEGAL tactics and also they have divulged information about my niece and the DEBT SHE OWES - which is also illegal - telling me to just tell her to pay her bills and I would not get calls like this. THis is when I went off - this is not my debt nor do I have a relationship with my niece - SO WHY IS IT my responsibility to tell her to do ANYTHING. I did not give her the credit or money - so therefore it is ILLEGAL for them to give me the information that she has defaulted on her obligations, NOR DO I CARE. The file name they have for her is XXXX - she can be contacted at the following number XXXX ( the last known contact per her brother ) and resides in XXXX Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Mr. Cooper Group Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
inaccurate information was presented to my credit account. XXXX XXXX XXXX And XXXX both filed a dispute to the servicing party known as Mr. Cooper, Who has put the wrong information on my account damaging my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This compalint is about XXXX services. I discontinued by TV/Phone/Internet services with XXXX in XXXX of 2015. I had enrolled on auto debit for all payments for this service from my checking account. No one informed me that I have to pay the last amount " by check '' and that they will not auto debit from my checking account. I never received any kind of invoice or notification from XXXX stating I am to pay this amount directly by check. I was out of the country for 3 weeks and when I returned, I saw a letter from a collection company stating that I did not pay XXXX $ a and that it has been reported to the credit monitoring companies. I immediately called XXXX and made the payment. 
On checking my credit, I realized taht it shows a major diliquincy of XXXX $ on account of this payment. I called the credit companies, and they said that I need to talk with XXXX. I talked with veruizon adn they asked me to talk with the collection agency and the collection agency asked me to call XXXX back. I disputed all the charges with the credit companies and nothing worked. My credit has taken a hit because of this. XXXX credit companies, I have credit scope XXXX and XXXX I have a score of XXXX. 
I have always paid bills on time, and I feel that I was wronged here : 1. I was not notified by XXXX that I had to pay it directly and they will not debit from my bank account 2. They send the notifications while I was out of country and did not allow any grace period before informind the credit companies 3. The creidt companies were not willing to consider my case. This record will be on my history for 7 years 4. For being so methodicaly and on time with ALL my payments, I feel that a payment of XXXX $ should affect my credit in such a way ... .even with valid reasons why I did not pay on time. 
Now when I am trying to refinance my home to pay it off early - from XXXX years, I am not getting very favorable rates and teh mortgage company is saying that I only have a fair credit score. 
I plead that someone take some action on such companies who trouble consumers. Upon checking internet, I see lots of complaints regarding XXXX for the same terms.

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 2016-12-07
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are a couple of companies on all three of my credit report that i keep disputing and they still keep coming back and it keeps messing with my credit score.. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX medical center which is with the company Commonwealth Financial System. I have been fighting this all year and they still keep putting this stuff on my credit report!!

Company response to consumer: Closed with explanation