BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-01
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Optimum Outcomes, Inc. filed a collection on my credit report. In the past, my late fathers medical bills had been mixed with my bills because I cared for him and we shared the same doctors. I disputed the debt with the credit reporting agency. Their investigation came back verified. I contacted Optimum outcomes and the lady was rude and was not willing to communicate other than stating I owed the debt. I then wrote a request to Optimum Outcomes for proof of the debt. They responded with only a letter showing the same information that was on the credit report and stated this was their validation and they were only required to do this once. No proof of agreements between me and the original creditor, the creditor and collector, payment history, original agreement, itemized statement or anything else that would prove the debt. Only XXXX insulting letter for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Convergent Resources, Inc.
State: TN
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:
I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: United Group Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
From. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Cell : XXXX : The Consumer Financial Protection XXXX XXXX DCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service connected post XXXX and XXXX XXXX veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX a XXXX Mersades Benz e320 XXXX door coupe XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada for {$6000.00} and the vehicle was financed through United Finance located at XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Their telephone number is : XXXX. The car broke down because the fan belt came off and the hose ruptured while I was on the freeway and at the time I was not a XXXX service connected veteran, so I had to miss a payment or XXXX to get this car fixed which I had to pay {$720.00} out of my own pocket. When I tried to explain this to the United Finance Company they acted like they did n't care and started charging me as I discovered today {$4.00} per day in intrest or 35 % intrest and when I started writing them post dated checks via XXXX XXXX bank for {$310.00} per month and I found out today XXXX from United Finance when I called them that I have only been paying on the daily intrest and very little has been going toward the principal of my loan. No wonder I still owe {$5100.00} after I have had this car over 11 months and the car broke down again on me XXXX more times and I had to spend another {$790.00} plus another {$2700.00} to keep it running. I am just being screwed all the way around. I am a XXXX veteran on a fixed income and it is wrong by them especially all I was trying to do was re establish my credit so I could get me a new 2015 Chevy Impala from a respectable XXXX Dealer at a veterans discount. I cant even get out of this car or contract with the interst of a loan shark. I need your help in this. Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: SUNRISE CREDIT SERVICES, INC
State: FL
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 debt is not known ; I have never owed a balance to this company. My account is still active with this company, never past due which is strange since an account with them is reporting negatively on my credit file. 
I request full statement of this account and any information pertining to the contract ; when opened and where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Works & Lentz of Tulsa, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
WORKS & LENTZ was contacted by us on the WORKS & LENTZ website at XXXX on XXXX/XXXX/2016, by email on XXXX/XXXX/2016, and by phone on XXXX/XXXX/2016 to stop contacting To stop contacting contacting us. WORKS & LENTZ was informed if they continued they would be in violation of the FDCPA Guidelines for Collectors. We requested for WORKS & LENTZ to send list of all debt owed within 30 days. Once debt was validated they would be paid in full within 90 days. We received a ambiguous and vague bill via court summons ( lawsuit ). WORKS & LENTZ contacted local extended family and extended family several states away. We settled out of court paying full amount owed. WORKS & LENTZ then tells us we have to pay there fees for the lawsuit filing. Yet if they had sent us a bill that requested withing 30 days they would have been paid in full. We believe WORKS & LENTZ used this as a tactic to get extra money. We have website print out if needed of attempt to contact WORKS & LENTZ on there website. We also have email if needed where we attempted to contact WORKS & LENTZ by email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: GULF COAST COLLECTION BUREAU, 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:
I have asked Gulf Coast Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Capital Markets Cooporative, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My previous servicer, CMC funding sold my loan to another servicer after they knew that I was refinancing the loan. This seems like a very shady business practice and needlessly complicates the refinancing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello CFPB, Thank you very much for your service and assistance. 

An account showed up as " charged off '' on my XXXX Credit Report. The only information I can attain is -- CBNA ; revolving account ; first descrepancy XX/XX/XXXX ; then " charged off '' XX/XX/XXXX ; XXXX, S.D. XXXX --. 

I have no idea what this is concerning. Thru online research I found a telephone number for a " XXXX '' -- ( XXXX ) XXXX --, but this number is not a valid telephone number.... Could CBNA also stand for CitiBank of XXXX? 

The last couple years, I spent maybe 60 % of my time away from home as a XXXX working all over the state, but not near home. I also had a few medical issues that were taken care of at various medical facilities near home or away. I have no one at the house to get mail, and what I could n't take care of online gets mailed.... A few months ago, I paid all of my bills, totaling thousands, and went thru all mail, as I never throw mail out. Still, I can find no paperwork that has " CBNA '' printed on it nor any Citibank paperwork. 

I have not opened any Citibank account in years. I tried to open an account with XXXX ( a local box store ) a few months ago, but that was more like XX/XX/XXXX, not XX/XX/XXXX. 

I 've sincerely tried to pay all my bills and have kept and noted all paperwork as paid. I can not contact any CBNA to find out what this is regarding. I want to dispute this being on my credit report, as this year the only outstanding account on my credit report will be this " CBNA '' and " XXXX '', and it could stay on for another 7 or 6 years, harming my credit score. 


Respectfully, XXXX ss # XXXX cell 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 2016-04-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( Chase Home Finance ) decided to do a XXXX balance/ Forgive the loan on my mortgage. They never contacted me to say or ask me about it, they just did it on their own. They started rejecting my payments all of a sudden. It took 3 months of me calling to find out what was going on. They used a foreclosure method for the process, never letting me know that it was going to hurt my credit report. They caused my residential home insurance to go up due to the negative marks on my credit report. Strike one! Then since they rejected 6 months of payments, now that has a negative mark on my credit, Strike 2! then they did a charge off on my credit which again is a negative mark on my credit. Strike 3! How is it that this company can decide that the cost of maintaining my mortgage is more that what the value of the loan, and then decide to do a XXXX balance or forgive the loan and I have to pay for it? This seems illegal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, XXXX, I applied for a modification with CitiMortgage, my loan company for over 20 years. We fell behind on the payments because my husband lost his job in XXXX, XXXX due to illness and my XXXX went on hold because I had a XXXX in XXXX XXXX. After sending in multiple Profit & Loss statements, bank statements and letters of explanation over the past 9 months, CitiMortgage denied me for all of their modification programs on XXXX XXXX, XXXX. We are now XXXX payments in arrears and the repayment plan CitiMortgage offered us is double what the mortgage payment was. Me and my husband are XXXX and XXXX years old. We have lived here since XXXX. My XXXX is slowly rebuilding, but my husband is still not well. I do n't understand why it took so long to deny us this modification. We do not want to lose our home, but I do not see a way for us to catch up on these missed payments. Is there a way for you to help us? We need a lot of help right now. I have copies of information sent to CitiMortgage that they requested for the modification. We sent everything in by email and I sent everything they asked for. I do not know how to forward these emails to this page as an attachment, but there are several emails requesting duplicate information that was sent in previously. I can fax or mail in the copies I have. Please help me find a resolution to this matter as soon as possible. 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 2016-06-30
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
This is in follow-up to Complaint # XXXX. CitiMortgage made hard inquiries on my credit report on XXXX/XXXX/15 and XXXX/XXXX/15. These inquiries are affecting my score and I requested that they be removed, due to the fact that CitiMortgage had no reason to check my credit, since I did not apply for credit with them. PLEASE expedite to the company, so these inquiries can be removed. Thank-you in helping me get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander refuses to update my credit info being reported to the XXXX credit bureaus to open/current for this loan or lease. I have paid them to make the loan current and paying all applicable fees but they refuse to report the correct/accurate information. This is affecting my livelihood in regards to employment and housing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Loan Science, LLC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have student loans with XXXX private student loans ( XXXX XXXX XXXX XXXX ) is LOAN SCIENCE , LLC. I have currently XXXX dollars of student debt. Every month, I pay about {$200.00}. I have just called them and ask them if they take under the consideration that I have another student loans to pay and if they could lower my payments. My interest rate is 6.640 % Variable. ( it seem much higher ) What happened if I get sick or lose my job. They said there is not their problem, and I have to pay 200 monthly for other 18 years. I am 48 years woman live in poverty and do n't have any retirement plan because of my student loans. I also have government student loans, and they are so flexible and take life circumstances under the consideration. This is so cruel that I ca n't refinance my student loans and ca n't do anything about it. Coming from another country and going to college is my biggest mistake ever in this country. I wish I would turn the time and never go to college here. XXXX is horrible company!! Is there anything I can do about it!! Can I refinance? I think that interest is much higher than 6.60 %. Can I hire the service to investigate my account? I think something is not right!

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 2015-05-11
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
they have called repeated times contacting me and my employer at my place of employment being loud and threatening to the people who are answering the calls. Have threatened to garnish my wages.

Company response to consumer: Closed
Consumer complaint received 2016-06-01
Company: ACS Education Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
At the beginning of XXXX 2016 I received a letter from ACS regarding an error on my student loan payments advising of monies being applied to the principal based on this error. The document outlined that we may incur an additional tax liability due to the error. The good news is that ACS advised they would assist in determining the tax liability and pay for any additional money owed due to the tax liability. 
I have contacted ACS on the following dates and have been provided the same information that a Tax preparer will contact me in XXXX 3 days. During these calls they could not provide any additional information as to why the error has occurred but that the XXXX XXXX would be able to assist. 
XXXX XXXX ( did n't write down the name of the person ) XXXX XXXX ( did n't write down the name of the person ) XXXX XXXX ( spoke with XXXX ) XXXX XXXX ( spoke with XXXX ) I have yet to hear from a tax preparer despite my multiple calls and escalations requests. Our goal is to resolve the situation so that the additional tax liability can be paid ; however, ACS is not taking the outlined steps to help resolve this matter. 
Thank you for your assistance in resolving our issue with ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
XXXX XXXX XXXXput the charge off to my credit report which is inaccurate and it was their mistake, I never missed any payment and also I never get an additional bill notice from them, I was set up auto pay.

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 2016-09-01
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My issue is with my current mortgage company Ditech. I recently filed a complaint on how I have tried to reach them several times and now I am seriously delinquent with no options for us. They replied to my previous complaint stating they approved me for the HAMP program and that I declined it back in XXXX 2016. I was never approved for that program because if I was I would have taken it. I just would like resolution and to put my delinquent payments at the end of my loan so I can start making payments and start fresh since no one ever returns calls from Ditech and every week I have a new account representative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech mortgage has recently ( XX/XX/XXXX XXXX ) placed a " Charge Off '' on my and my wife 's credit report for an account we never had with them. They took over Greentree, who had taken over the account we had with XXXX XXXX XXXX back in XX/XX/XXXX which is when we filed for and went thru CH XXXX Bankruptcy. That account was in our Bankruptcy, which was issued a Final Decree on XX/XX/XXXX, which is over 1 1/2 years ago and prior to Ditech servicing of Greentree accounts ( which began 2 months ago ). Therefore, we never had an account with Ditech and they should not be reporting our account as a charge off with them. They simply have never had any claim on us as the account with Greentree was closed and covered under the bankruptcy 1 1/2 years before they took it over from Greentree. Please have them remove this immediately. 

I have made several calls to have them correct their errors, but like all other mortgage companies, they do n't return calls. 

Ditech ( XXXX ) XXXX MINNESOTA XXXX XXXX XXXX, XXXX XXXX, MN XXXX they claim charged off $ XXXX was with 1 ) XXXX # XXXX, then 2 ) Greentree XXXX XXXX and now suposedly 3 ) Ditech XXXX XXXX ( full account number not reported by Ditec ) Thank you for your assistance. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was making payments on the loan and finished paying it off a year or two after loan was paid i was receiving calls that i still had a balance on the loan which was paid in full

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 2015-04-17
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
As part of my move from XXXX to XXXX in XX/XX/XXXX had paid of XXXX for XXXX services in full. However, XXXX ended updating their records incorrectly and handed off my 'closed account ' to a Debt collection agency called 'Debt Recovery Solutions - DRS '. 

DRS was contacting me for the payment, during this process my discussion and explanation of the closed and fully paid account was not accepted. I was time and again warned about the 'negative consumer credit reporting ' consequences of this collection and was pressurized to pay of {$280.00}. 

Despite not owing to pay anything to XXXX or DRS on a low moment I paid off the {$280.00} when DRS promised to delete the 'negative consumer credit reporting ' as an error on their side by XXXX of their collection agent by name XXXX XXXX on XX/XX/XXXX. 

However, DRS did not keep up its promise and continues to report this debt as a 'collection ' on my account. Fully paid though. 

This issue negatively impacts my credit rating at the XXXX, XXXX & XXXX and request your intervention with DRS to get this deleted as 'No Fault ' of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: ECMC GROUP, 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:
ECMC is reporting a fraudulent debt on my credit report and is attempting to collect without giving me any information. I already explained that this was not my debt. I pulled my credit report and their address is not listed. Please see page XXXX on the attached below. 

Also I 've uploaded my FTC documents for your review. 

Please help me get this resolved, it 's affecting my family. 

thx 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 2015-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase XXXX is reporting on my credit file. This account is not mine. I was a victim of Identity Theft. I have provided an Identity Theft Complaint and Affidavit and Police Report to Chase Bank and still have not gotten this account resolved and deleted off my credit file. I have also disputed this with the bureaus and Chase is saying that this account is valid which is incorrect.

Company response to consumer: Closed with explanation