BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-04
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First off I was sold to ditech from Greentree which I have never had a problem with. I just received a Annual Escrow Account disclosure statement and I noticed that I am being increased in my monthly payments by {$70.00}. I phoned ditech and told them that I received an overage check from my insurance company and that the amount actually owed was only {$870.00}. I told them I would send the paid receipt so they can re-adjust my escrow account and they refused to accept that. The customer service for this company is very rude including a manager who I asked for who was also no help. Also on my disclosure my current escrow is for {$400.00} and my new payment escrow is {$390.00} plus escrow shortage of {$81.00} does this make since no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: FORD MOTOR CREDIT CO.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I HAVE HAD FMC SINCE XXXX -- - BOUGHT XXXX TRUCKS -- - AT THE END OF MY LAST LOAN ON MY XXXX - WAS PAYING IN ADVANCE - AND MORE $ $ PER MONTH TO HELP MY CREDIT FOR TWO YEARS SOLID -- I HAVE XXXX ID THEFT PROTECTION -THE FIRST THING I NOTICE WAS A LATE PAYMENT FOR XX/XX/XXXX -- I WAS PAYING OVER THE PHONE @ THAT TIME -- THE PHONE SYSTEM WAS EXPERIENCING TECH PROBLEMS -- SO I ALWAYS CALL THEM TO KEEP UP DATE -- AND I DID NOT TRUST THE PHONE PAYMENT LINE ANY MORE - BECAUSE I TRIED TO USE AGAIN -- TECH PROBLEMS AGAIN -- -SO WENT ON LINE -- -- KEPT MAKING PAYMENTS APPROX XXXX -- -OR MORE -- -WELL ON LINE SAYS IM LATE -- CALLED -- -ABOUT AFTER THE 5TH CALL AN AGENT SAID " O I SEE THEY WANT A FINAL PAY OFF FOR {$990.00} APPROX -- -- -SO HE WAS TO FAX ME A AGREEMENT TO CONTINUE THE REGULAR PAYMENTS AMOUNTS -- @ XXXX A PRIVET MAIL SERVICE -- -IT WAS BEFORE THANKSGIVING -- I WAITED -- WAITED -- NEVER FAX TO ME THE AGREEMENT -- SO CALLED AGAIN -- -THEN OVER A WEEK WENT BUY BECAUSE OF THE HOLIDAYS -- -- CALLED AND FOUND OUT THEY SENT IT IN XXXX -- I GOT BUT IT WAS TO LATE - THE DOC WAS TIME DATED!! -- THEN I LOOK ON MY CREDIT REPORT XX/XX/XXXX SHOWS A LEGAL ACTION -- THEN A LETTER TO FOLLOW TO REPO MY XXXX FOR {$390.00}! -- -- OF COURSE I PAID IT OFF -- BUT MY CREDIT WAS WRECK -- - AND MY SON WAS GETTING MARRIED AND WAS GOING TO GIVE HIM A CREDIT CARD FOR HIS HONEY MOON AND WAS TURNED DOWN -- -FOR THE FIRST TIME!! THEY DID THIS ON PURPOSE - BECAUSE THEY FIGURED A NEW TRUCK I WAS TO BUY AND IF THEY TRASH ME AT THE END I WOULD GET A MUCH HIGHER % RATE FROM FMC! -- -- THEY NEVER DO SHOW THE LOAN WAS PAID IN FULL ON MY CREDIT REPORT -- -ONLY THE CHARGE OFF!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I received a letter from Citibank stating that I needed to go to www.citi.com/refundinquiry as I may have been overcharged for monitoring services during my 10 year tenor with the bank. When I went o the website there was no page. 
The letter stated the claim would need to be filed before XX/XX/XXXX 2017. I was provided a reference number to get started and that did not work.

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 2022-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was debited XXXX XXXX monthly service fees until the balance was negative and the account was closed without my knowledge. I never received any statements for this account and I was not aware of the XXXX XXXX monthly service fee. I was told that the monthly service fee was not applicable as it was linked to my other accounts. This is not fair and I don't like what happened.

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 2017-02-16
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I paid off my loan to Mohela account no. XXXX. But Mohela took out my monthly payment anyway, so they caused an overpayment of {$130.00}. I have called Mohela to try to get that money back but they have refused to send me the {$130.00}. 
This is a consolidated student loan. 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 2015-04-04
Company: Westhill Financial
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by this company to pay a debt I have regarding a credit card, I asked to have them send me a bill in the u.s. mail, a couple weeks later I received another call from the supervisor stating there is a problem with processing my account, I called and asked again for them to send me a bill as I do not want to give my personal bank account information to them and would like to send a money order for debt owed in payments, the representative " XXXX '' got very upset and said I need to resolve the debt and make a payment arrangement now along with a payment, I continued to explain to " XXXX '' I would like to send a money order along with a bill they send to me, he became irate and recited my address and I confirmed he said he will give my information to the attorney/lawyer to take legal action against me and hung up on me. I emailed another representative explaining that I will be reporting the company for their unfair collection practices, he replied that a letter was mailed to me and would email me a copy, I still have not received a copy neither have I received anything from them in the U.S. mail. They have also contacted me at my place of employment after I explaine I can not receive phone calls during work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Application processing delay

Complaint:
I have applied for a CITI simplicity card on XX/XX/2017 & it took 10 business days for CITI to pull the credit report and process further. Later they sent a letter stating they tried to contact me but they could n't reach out to me. I reality I never ever received any call from them. They asked for additional documentation like utility bill & Pay stubs in a letter that I received from them in the mid XX/XX/XXXX. When I contacted the customer care they said I can even email the additional documents to XXXX and I sent it on XX/XX/XXXX. On XX/XX/XXXX when I contacted again they said they do n't accept the documents thru email and they only have to be faxed and they have to pull the credit report again. Unnecessarily they pulled my credit report and gave all wrong information and never specified that the credit reports expire every 30days. On XX/XX/XXXX when i talked to the customer care representative supervisor he asked me to fax the documents and they will pull the credit report again which came as a shock to me. I do n't get what took them so long to process the application and then they provided all wrong information and now they are saying they will pull the credit report again.

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 2015-12-02
Company: PENTAGON FEDERAL CREDIT UNION
State: UT
Product: Prepaid card
Sub-product: General purpose card
Issue: Overdraft, savings or rewards features

Complaint:
I was issued a {$50.00} prepaid debit card through a rewards program with Pentagon Federal Credit Union. The card expired XXXX with none of the money ever spent. I am now being told by the phone number on the card ( XXXX ) and PenFed rewards program ( XXXX ) that none of them are able to refund my money or issue a non-expired replacement card. The rewards card # is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/2017 I returned XXXX items to the Walmart store at XXXX XXXX XXXX XXXX XXXX. The refunds were for {$1.00} ( on my Visa card ) and XXXX cents ( on Walmart mastercard ). The customer service clerk said the amounts would be returned to my Walmart mastercard and my Visa card. I have received my mastercard statement for the billing period ending XXXX/XXXX/2017 and there is no refund posted for XXXX cents. I called Walmart mastercard and the csr XXXX verified that is true. " XXXX '' said the refund would be posted on my NEXT statement. Why should it take more than one month for me to get this refund for merchandise I returned on XXXX/XXXX/17??? 
I also called my XXXX XXXX customer service today and " XXXX '' said no refund for {$1.00} has been posted to my account yet. The csr suggested I contact the merchant ( Walmart ) I called the toll free number for Walmart XXXX and the ONLY option given was a store locator. Since I 've tried before to call the so-called customer service dept of this walmart store -- in several fruitless attempts to find out when my " same day '' ( NOT ) toaster would be available for pickup & NEVER got to speak to a human being willing & /or able to answer my question -- I decided to not call the customer disservice department of the store. And of course walmart mastercard ca n't answer questions about refunds credited to another bank 's card. ( I asked ) So again I ask : why is it taking so long for a {$1.00} refund to post to my credit cards. Walmart got its merchandise back. Where 's my money??? Why does n't Walmart just issue cash refunds rather than making customers wait so long for refunds?

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 2017-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
To whom it may concern, Wanted to let you know Bank of America department of regulatory complaints refused to release my original funds following reversal of a fraudulent employment check in my closed account. BOA kept about XXXX of my nonfraudulent personal funds. Have been following up on this with my local state police as well as the police department local to the XXXX in XXXX XXXX, CT where the funds from the fraudulent employment check were deposited. Emailed CFPB previously about this matter. My account number at BOA was XXXX. Their Regulatory Complaints can be reached at XXXX XXXX. You can reach me at XXXX or email XXXXXXXXXXXX. 
Thanks very much, XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-04-01
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Open collection with ( I C SYSTEM ) a balance debts that is not mine. ( XXXX XXXX XXXX XXXX Never had a credit account with this creditor.

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 2015-05-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LVNV/Resurgent is XXXX again continuing to violate the FDCPA requirements for validating the alleged debt ; the most important being the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ). My original Debt Validation Letter lists this request, as well as requests for a letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) and the exact calculations supporting the alleged debt amount. Again, they continue to ignore these XXXX specific requests. LVNV/Resurgent lacks sufficient information and belief in order for me to admit or deny this alleged debt. 
In addition, LVNV/Resurgent fails to state a claim upon which relief may be granted and that their claims are barred by the doctrine of laches and the principle of waiver. Until LVNV/Resurgent provides the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ), their basis is on a contract that is an adhesion contract and a contract that is illusory and therefore unenforceable. And where is the calculation of interest? The calculation stated in their response is usurious or based on a rate that is greater than allowed by law. 

I respectfully ask LVNV/Resurgent XXXX again to provide the XXXX specific items noted in this response and again following : - the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ) - the letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) - the exact calculations supporting the alleged debt amountIn closing, I would like to publicly invoke the Doctrine of Unclean Hands as LVNV/Resurgent acted in a dishonest or fraudulent matter with respect to the dispute at hand in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Midland Credit Management , Inc ( MCM ) regarding XXXX accounts that were charged off from XXXX accounts I 'd held. After some negotiating we settled on XXXX dollars to settle XXXX account and XXXX to settle the other. The collector wanted me to pay right away of course but I was more comfortable paying with a money order, so as not to give away my banking information. While that was not his preference and he tried to deter me by telling about saving money on MY end in not a buying a pre-paid card etc, after researching and finding that this was a 'legitimate ' debt collection agency, while I still would not send them my banking info, I decided on postal money orders. At NO time did he tell me they would not accept money orders for settlements. I called a few days later to ensure that my money orders were received. At the time they had not been, however, the account rep with whom I 'd negotiated the settlement all of a sudden stated that they could not accept money orders unless they were simply being applied to the outstanding balance on the account. That is NOT what he said on the phone. In addition, the initial letters state that the credit report would show settled for less than the full amount owed. MCM also sent a letter a few days later with the same negotiated settlement spelled out. Nowhere in the paperwork does it state a stipulation regarding type of payment. Finally, I got paperwork from them in the mail today ( XX/XX/XXXX ) showing that they did exactly what the guy ended up saying they would do. They applied my negotiated settlement amounts toward the BALANCE of the accounts. When I called about this, NOW they state that the account has a judgment against it and they do n't know why the account manager made me such a low offer for settlement. Also, the letter received today states that my " payment plan had expired ''. The previous collection letters, which I used to send the money orders ( and received a week later ) did NOT say anything about an expired time period. Though the due date on the letters say XX/XX/XXXX, the letters were sent to me AFTER that and I did not believe that there would be a problem with these people after I sent the payment I negotiated in good faith with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2015 Syndicated Office Systems Reported several collections to the various to the XXXX credit bureaus under my name and social security number. I disputed the debt and it was removed only to appear again under the name Central Financial Control which is the DBA FOR Syndicated office systems. After years of continuous fraudulent validation XXXX has removed all of these accounts but thus far XXXX and XXXX have validate these accounts. Over the past several years I have been turned down for loans, credit cards and possibly refused employment due to these fraudulent entries. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is XXXX.

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 2015-05-01
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted the Medical Data systems through the mail to find out where this {$940.00} medical bill came from and if it really belonged to me and i have not received the information requested. It has been 30 days since they have received my letter. I have the letter sent to Medical Data Systems and the XXXX certified mail shipment confirmation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: NCC Business Services, Inc.
State: TX
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 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

I am a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2017-02-20
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency on behalf of XXXX is reporting that I owe {$230.00} for an electric bill after moving out of the apartment. Due to the apartment being uninhabitable due to mold. The mold made me sick and I was instructed by my Physician ro move out. I stop living in the residence in XX/XX/XXXX. I have provided medical and lease information.documentation and they refuse to stop reporting inaccurate information or cancel the charges I did not make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX To Whom It May Concern : I am writing to let you know that I have received your collection notice for a defaulted student loan in the amount of {$28000.00}. 
This debt, originally accumulated as a private student loan I received when I was enrolled at the University XXXX from XX/XX/XXXX-XX/XX/XXXX, was a debt that I began paying on after I began my XXXX career XX/XX/XXXX. Since that time, I have made monthly payments in increments of {$280.00} a month, from XX/XX/XXXX until XX/XX/XXXX. XX/XX/XXXX, I was informed in a phone call I made to you regarding my payment structure, that my student loan was in default after you received no monthly payment for two consecutive months. 
I received no written notification of this change of status when it occurred. 
I was told in that phone call that making an interest payment at that time, and continuing to do so until such a point that I could begin making payments on the principal, would in turn remove my account from default and would allow me to bring my debt into good standing. XX/XX/XXXX, after receiving notification that my loan was being sold to a debt collection service known as Transworld Systems, I contacted Transworld Systems and challenged the legitimacy of the debt on the grounds that I had received confirmation from a loan service specialist managing my account under your supervision, that providing interest payments on my loan would " bring the debt into good standing, '' and thus bring my debt out of default. 
I have yet to receive any acknowledgement by you, your company, or its affiliates, that you or your agents ever spoke to me regarding such an agreement. I am challenging your authority, therefore, in managing this debt, on the grounds that you and your affiliates are held responsible for false testimony and are ultimately guilty of perjury. 
Please feel free to reach me if you would like to schedule a hearing on this matter.

Company response to consumer: Closed with explanation