BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-03
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DiTech  Mortgage  ( previously GreenTree Mortgage )  amounts are being reported incorrectly. There are " deferment interest '' amounts that were not authorized or agreed upon at any time during the life of this loan. There are " reverse cash payments '' listed on the account payment folios, i.e. payments sent via  XXXX   XXXX , direct bill pay  services-CASH  ONLY SERVICES, all listed under Reverse Payment-CASH. I have requested an explanation as I am contesting the validity of the amounts. I was given time frames and in such fashion, returned a response within the time given. The company missed their own postmark date from my initial correspondence for the time they allotted themselves to respond. They then tardily responded stating there would be an investigation to my inquiry and a resolution and response within 10 days, however the company has decided to first grant themselves an extra 30 days outside of the previously stipulated 10 days to respond and then following ( prior to that expiration ) with a " threaten to foreclose '' if the amounts are not paid to them. DiTech has been just as much of a nightmare  as GreenTree  was. The harassing phone calls, condescending tones, threats of foreclosures -- all while the account is supposed to be " current ''. Calls beginning on the DAY PAYMENTS DUE, or their " FRIENDLY REMINDER CALLS '' turning into some outlandish conversation that causes more stress than the fact that there has been no relief from these companies yet. There 's absolutely no proof of their bogus charges, or how you can reverse cash payments, etc-yet they are allowed to " legally '' foreclose on my home as this is what they are threatening to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from m & t. Bank which is the holder of my mortgage stating that I am behind a payment from  XXXX  of  XXXX . Apparently the mortgage company infinite mortgage services requested a payment back in  XXXX  of  XXXX  from my bank stating it was owed from over a year ago. Back in  XXXX   XXXX  of  XXXX  " it is even noted on my account '' I had called the mortgage company and also my bank to pay my first payment. They told me I did n't owe anything until  XXXX  of  XXXX . So I started making my payments  XXXX  of  XXXX . Now m & t is starting the foreclosure process with threatening letters phone calls and visits to my home on an error that was in no way my fault. I had contacted the bank for the past 3 months trying to fix this error and requesting letters to help my fix the issue. I had never heard back from them except the threatening letters when they were supposed to investigate the issue. Also they are reporting the missed payment every month to my credit bureau and ruining my chances of ever having a good  credit score . I have had issues with this bank from the start and I feel that in the errors I should not have to make this additional payment because I have kept my payments on time every month since obtaining this house. I should not be held responsible for the banks error of over 1 year ago. This company is ruining my life and my credit and I need answers or some kind of assistance. I have  XXXX  children and live paycheck to paycheck there is no way no will be able to afford to pa y 2  mortgage payments back to back because of there error also there is no possible way I can afford there insane repayment plan of an extra  XXXX  $ on top of my mortgage every month. This bank is a joke and horrible at what they do please help my situation. 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 monetary relief
Consumer complaint received 2019-08-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
they are ignoring my e-mails and letters and phone calls.  I can afford my month mortgage payment; I feel behind in XX/XX/2019 due to a martial separation and family emergency; I made a payment of $XXXX in XX/XX/2019. they refuse to help me and they are sabotaging my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello I deposited my payroll check in the amount of {$540.00} to my account on XX/XX/2021. 2 weeks later, on XX/XX/XXXX, the bank illegally withdrew the money from my account causing my account balance to go negative. I called the same day to understand what happened. It took 4 calls ( yes, 4!!! ) to get to the bottom of the issue. 3 agents told me the money was debited from my account because that same check was cashed twice. I explained that it was impossible but they kept insisting that was what had happened. I finally spoke to a manager and he told me a mistake was made by the bank and the money was withdrawn from my account in error!!!!! He said he would submit a request to fix the issue and that it would take between 3 to 5 days. On XX/XX/XXXX I called them again as the money was still not in my account! I was told it would be there in no more than 2 days. Today is XX/XX/XXXX and the money still isnt there. 
I am a student working only part time so I truly cant afford to have {$530.00} stolen from me! I thought I deposited my money with a bank and not some illegal business. Please help me get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ConServe is re-aging an old debt from over 7 years ago to have it on my credit report. Not only is the date wrong but the amount is incorrect as well. As they are not the original debtor I am not liable and since the date and the amount are incorrect I would like them to be forced to remove this from my credit report.       Last Reporte d  XX/XX/XXXX Col lection Agency CONSERVE Original Creditor   XXXX   XXXX   Status Open Opened Date XX/XX/XXXX  Clos ed Date -- Responsibility Individual Account.   Balance {$61.00}  High Balance {$6 1.00} Remarks -- This was fr om  XX/XX/XXXX  and the correct amount was {$81.00} I disputed this with the original debtor and it was written  off as a billing error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
THIS ACCOUNT HAS NO RELATION TO ME AND NEEDS TO BE REMOVED and DELETED FROM MY CREDIT REPORT INSTANTLY. Collection agency is IN VIOLATION OF FCRA SEC 809, IN WHICH YOU HAVE COLLECTED INACCURATE AND INCORRECT LOCATION DATA AND ACCOUNT INFORMATION.. I DID NOT LEGALLY SIGN CONSENT FOR YOU, OR ANY DEBT TO BE SOLD TO ANOTHER CREDITOR OR DEBT COLLECTOR .You are not the original creditor, and harassing me at my work place will cease this instant. Remove and delete this uncollectable account from my report. 
SEC.807.FALSE OR MISLEADING REPRESENTATIONS Portfolio Recovery Associates is not the Original creditor of this account nor was i informed that debt was purchased by third party who i did not legally do business with and request the legal " Consumer contract '' bearing my wet signature from the original creditor validating this claim. In addition, please provide copies of accounts complete payment history from open to close, interest rate agreement between you and original creditor relating to the sale of this debt and the accurate GPS location data for time and purchase of the debt or remove the inaccurately reported item from my report or i will continue to use all resources available to me to ensure you pay for the negative impact you are having on my current credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

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 2022-04-08
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened an account with Venmo and was adding funds through my XXXX  account to bet on XXXX. I won twice and was told I couldnt withdraw my winnings through XXXX but I could use my Venmo account. I withdraw all funds to go to that Venmo account which was XXXX. I attempted to bet again on XXXX which is supported by Venmo and they permanently suspended my account and kept my funds. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/17 I withdrew from my checking account {$300.00} which left a balance of {$900.00} ... later I went to with withdraw the balance which was one withdrawal of {$800.00} and the machine say that I had already withdrawned my limit I tried again to withdraw {$100.00} the machine says again that I had withdrawn my limit ... I went the next day on XXXX to attempt to withdrawn funds my balance was only {$59.00} ... I filed a complaint with the bank to get my funds the bank informed me that I would have to wait 7 to 10 days while they investigate before they could credit my funds to my account ... I do believe that this is customer abuse from this institution ... I have had no funds for food, gas or to pay electric and/or mortgage ... I 'm appalled that any institution would inconvience any customer in this manner. I desperately need my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've complained about the " horrific '' customer service one gets at Capital One. We write and call the CFPB for help but you do nothing to help us against these entities. Capital One has this credit card to help re-build credit. I've been so good at making payments that they send Marketing messages, refer a customer and we'll award you with {$500.00} BUT, the customer service reps speak broken English, they're not trained to tackle financial problems and blame us if we get flustered with them. On XXXX, all of America states how bad the customer service is at Capital One. 

I started to receive notices that my card was overdrawn but when I checked my online account, I was under the limit. So, I complained and complained to the customer service team. They never corrected the problem. This made me irritated .... 

Now, they canceled one card last year after I reported them to the XXXX  and I did NOTHING wrong. Now, they canceled another card last month ( ending XXXX ) without even reaching out to get my side of the story? 

We have to endure TRAUMA from their customer service treatment but once we give it back to them or defend OURSELVES, they take our credit and cards away. 
I feel that I'm targeted and discriminated against so I want my card re-Instated ASAP. 
Also, they are not RECORDING THE PAYMENTS I've made on my credit report which is illegal. 

I paid {$200.00} in XXXX, {$200.00} in XXXX. 
I'm tripling my payments since my minimum is only {$59.00} a month. 
Please don't let Capital One get away with discriminating against me. They got away with it once but NOT again. 

The USA hates MY RACE so bad that they'll do anything to destroy us. They want us to be in poverty, please save me from a racist person who did this too me at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX I got an email stating I would no longer be able to use PayPal, in any regard. When I called the support center on XX/XX/XXXX they told me they would tell me nothing about why they were banning me. I use PayPal for the occasional online purchase, and to deposit rent money from roommates. After reading the legal and user agreements, I am unable to find any transaction which would result in this banning. My largest complaint as of now is that while I can log into PayPal, I can not remove my credit cards or checking account. This is worrying to me because my PayPal was hacked once before and if Im no longer using it, and they wont allow me to do any transactions ( be it shopping or between friends ) there is no reason for them to hold on to my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
Victim of identity theft some one is using my information to apply for cards. Please remove all the inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a  Wal-Mart c redit card through Synchrony Bank on or about  XXXX / XXXX / 2017 . The application was denied a nd one of t he reasons stated was that the  credit score o btained from  XXXX  was  XXXX . I visited the  XXXX   XXXX  site and paid {$20.00} for my score and it was  XXXX . That is a discrepancy of  XXXX  points. I immediately called  XXXX   XXXX  and they were unable to explain the discrepancy and indicated that the bank must have their own scoring system. Although this was not stated in the rejection letter. I find it curious that my husband recently applied for  a Lowe 's card  through the same bank and was approved seeing as we have been married for 23 years and hav e the same credit history. I e-mailed a complaint to Synchrony asking for an explanation as to the credit score discrepancy but have not received a reply. If the credit scores of the major credit bureaus are not actually use d by anyone I think consumers have a right to know that.

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 2021-11-15
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After receiving my consumer report from Equifax, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating claim and disputing the fraudulent inquires and accounts. Equifax is still reporting the negative/inaccurate accounts on my consumer report. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Equifax willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Equifax is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: SYNCHRONY FINANCIAL
State: IL
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix 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 explanation
Consumer complaint received 2017-06-04
Company: Atlas Capital, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told by lender that they will lower my interest rate after making 4 payments on the {$25000.00} loan I made with them. After paying over {$6600.00} in 4 payments they did the refi and the contract still stated {$25000.00} as the loan amount. To date I have paid them the {$25000.00} and over {$20000.00} in interest. This loan should be paid in full as my understanding was the refi was for 24 months but I am being told that there is another 12 months left. If you are not able to get this situation resolved, I will be making a claim with the Attorney Generals Office and filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company sent me a collection lette r   XXXX   XXXX   XXXX   a nd when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match.  <P/> When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04
Company: General Motors Financial Company, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Company has not reported good status updates in over 30 days.  They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XXXX  2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: American Cycle Finance, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a motorcycle with american cycle finace on XX/XX/XXXX and made payments until XX/XX/XXXX. At that time the vehicle was refinaced by XXXX XXXX XXXX XXXX. I just paid off the loan thru XXXX XXXX XXXX XXXX. but the original loan was paid off to american cycle finance XX/XX/XXXX I talked to both banks and XXXX XXXX never recieved title from amerincyce finace. XXXX XXXX  was never on the title of the loan. only myself and american cycle finance. I have been requesting the title from amaercan cycle finance for years with no efford for them top sent or replace it. Ther is an XXXX fee to aquire a title that i never had in my possesion. I request that amaerican cycle finace replace the title to the motor cycle or pay the fee to have it replaced. the motor cycle is a XXXX XXXX XXXX and i have attached payment history. I never ever had the title.. 

XXXX XXXX XXXX VIN : XXXX | Account # : XXXX

Company response to consumer: Closed with non-monetary relief