BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-04
Company: Ditech Financial LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a settlement check that was the result of a judgment from an insurance company. The check was required to have the name of the current mortgagee and myself. I informed Green Tree the background history prior to submitting the check. The initial person I spoke to gave me what they thought the requirements would be for disbursement. Unfortunately, once they got the check all of that changed even the department handling the situation changed. They kept stating it was a claim for damages even after receiving copies of the court papers, affidavit from the original contractor, and a statement from the insurance company. Green Tree just refuses to give me my money. According to the reviews and statements from former homeowners this is their practice. They hold all the checks in escrow and profit off the interest. They have been in possession of the check since XXXX 2014. They are now proceeding to foreclose on my home, because of delinquent payments and still refuse to give me my money. I offered to pay for an licensed inspector to prove that the work had been done years ago, before they took over the mortgage. They said it would not make a difference. I sent a notarized statement offering to bring mortgage current and take the difference. No response from Green Tree. They are withholding a {$26000.00} judgment settlement check that would help me get my financial stability. Please help end this XXXX, and save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Genesis Financial & Payment Systems Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I made a request in writing to this lender to stop calling me at my home, cell and place of employment but they still continue to call me non stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. In 2010, my husband and I were hit by a drunk driver. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to XXXX and have been unable to produce any evidence as to the validity of these multiple charges. 

In 2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have tried on numerous occasions to get the XXXX credit bureaus to accurately report my accounts. I explained that XXXX creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all XXXX credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.

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 2016-04-25
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Rewards

Complaint:
I believe Citi has engaged in deceptive advertising practices with respect to usage of their thankyou points on a XXXX credit card and has erroneously charged me for a recent purchase on XXXX that should have been automatically done using the thankyou points, for which none of the three ( 3 ) customer reps I spoke with took any responsibility nor attempted to resolve the issue in any way. 
Here is what happened. I have accumulated XXXX points and wanted to use those points on XXXX. Thus, I checked the " How do I use my ThanYou points to shop at XXXX '' directions on Citi 's website, which state the following : " Simply add your eligible Citi credit card to your XXXX account and use it to make a purchase to automatically activate the ability to use your points. '' I followed those unambiguous directions, added my Citi Thank You XXXX credit card XXXX to my XXXX account, and used it to make a purchase, only to find out that I had to take another step to be able to use my points, so not only did I not use my points, but now Citi is telling me I will have to repay the purchase I made on XXXX using Citi credit cards, which should have automatically been done using my points.

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 2017-10-10
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened my account with Discover Credit Card in XXXX XXXX and made my payments on time until XXXX of XXXX when I lost my job. I informed Discover of this and they were more than willing to work with me. I found a job and started to make payments again and became the victim of Identity Theft and some of the payments were charged back. My account became suspended due to the payment history. I reached out to Discover the end of XXXX XXXX to find out what I need to do to get back on track and my account returned to active. I was informed on more than one occasion and by more than one person that all I needed to do was continue to make  payments, bring the balance below the credit limit and that my account would be reviewed by the " system '' on a monthly basis to determine status. Today, XXXX/XXXX/XXXX after more than 90 days of making 3-4 payments a month for the last three months, setting up auto payment, and talking to countless Discover Employees, I was informed that my Credit Report has to be at {$0.00} for all accounts ( nothing in collections or showing a balance ). This of course I know is impossible due to the hardships that I went through I had no choice but to default on somethings because the companies would not work with me. I was NEVER informed of this and was MISLEAD to believe that if I continued to make payments my Discover account would be reinstated. I should have been told ALL the requirements that Discover looks at when reviewing an account and not just what they wanted to tell me in order to keep me paying to an account that will never be active again. I have been LIED to and this is FRAUD. During my conversation I also asked if there is a group that handles situations were the consumer has been LIED to and was told no. This is unacceptable. Discover has no idea, nor is it any of their business, why accounts on MY CREDIT report are in collections. This needs to be addressed so that it does not keep happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Freedom Mortgage Company
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have repeatedly requested that I be placed on a no marketing list, including at least XXXX telephone calls to the company. In spite of this I constantly ( as in more than 6 times in under 2 years ) receive misleading marketing materials attempting to trick me into contacting the company to refinance my loan. 
In my initial enrollment when called to confirm loan details I requested opt-out of all marketing. I received one marketing telephone call, and again requested opt-out of all marketing. This was apparently successful for phone marketing, but not mail. Upon receiving scammy mail marketing offer, I again called to opt out and have repeated that request 3 additional times with no success regarding mailed marketing materials.

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 2021-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
XXXX OF XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX creditor name is incomplete and I am not certain what the name of the creditor is? 
account numbers are truncated and they don't even match. 
date of first delinquency is incorrect. 
date of last activity is incorrect. 
payment history is reporting incorrectly. 

This account has numerous inaccuracies and I fail to understand how it has been verified as accurate? Did you investigate? What was the process that you used? Who did you talk to? Was everything Metro2 compliant? I don't think so!

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 2016-06-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I sold my long-term home in  XXXX   XXXX  at the end of  XXXX  and sought to buy a condo in early  XXXX . The price of the condo was {$310000.00}. I was referred to Mortgage  Broker   XXXX   XXXX  a t Citizen 's  Bank to obtain a mortgage.  XXXX   XXXX  told me I did not qualify for a mortgage although I had sufficient cash from the sale of my home for a very large down payment. He offered to take out a mortgage in my name and to have me pay him the monthly mortgage payments and condo fees. I am not very sophisticated in mortgage matters and I trusted him and followed his advice. I gave him {$100000.00} in cash and he took out a mortgage for {$210000.00}. I thought the condo would be put in my name but instead it is in  XXXX   XXXX  's name. I have paid the mortgage and condo fees each month although  XXXX   XXXX  claims the tax benefits of the interest payments.  XXXX   XXXX  has threatened to evict me on several occasions as he no longer wants the mortgage in his name. I am of limited income and can not get a mortgage. I feel like I was taken advantage of  XXXX   XXXX  and  Citizens Bank,  as I am not even sure if he or the bank even considered me for a mortgage. Also,  Citizens Ban k and  XXXX   XXXX  should have advised me to put more money as down payment or even pay cash for the condo, which I could have done. At some point after the purchase of the condo  XXXX   XXXX  went to work for   XXXX   XXXX   as a mortgage broker. He provides me with   XXXX   XXXX   pre-paid envelopes and I send my monthly payments to him at   XXXX   XXXX  . I believe   XXXX   XXXX   should know what he is doing and he should be disciplined for taking advantage of me. I am a  XXXX   year old   XXXX  woman with health problems and limited income. The actions of  XXXX   XXXX , a licensed mortgage broker, and both  Citizens Bank and   XXXX   XXXX   have caused me financial hardship and  emotional distress. I feel like I was cheated out of owning my condo.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Ditech Financial LLC
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have XXXX properties that I currently have mortgage with Ditech mortgage company. One of the properties have interest rate of 5.5 % and I ask them for help to reduce my interest rate and the are not willing to do that, and keep adding late charges last year ask them to waive late charges they refused. 

On the second mortgage, I have been informed that I do not need to have mortgage insurance, due to the facts that I owned more than 25 % of he property, but they refused to reduce my payment and I am still paying for mortgage insurance, that by law is not required, also ask them to waive late penalties, and they refused. 

I am XXXX years old and do not have funding to hire attorney. Please help. 

Thanks

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: ECMC GROUP, INC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I keep getting calls from my student loans a new company took over a couple of years ago and I tried to talk with them but just wanted money no matter what and would not hang up until they had some money. since then the call have been getting more and more each day now receiving about 5 calls per day. Premiere Credit 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 2021-08-09
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote to HP Sears to ask for debt validation and proof of authorization. They did not send any documentation or proof continued to report the information on my credit reports.

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 2016-07-17
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Since U.S. Bank submitted their side, of what is assumed, on their behalf, to be their reason of closure to my accounts. First issue I 'm addressing is why my ATM and Check Card Overdraft Coverage Confirmation was and still is being disregarded? Second issue is why my bank accounts were over drafted that high of an amount when I believe since I never had a linked credit card to my account to cover such an amount without causing U.S. Bank to alert me that my savings is insufficient to cover. Money will never be secure at that bank with personal that allows them to blame customers for their faulty technical technicalities, our right as customers, is they except blame along with who was n't qualified to be a bank representative. Third issue is notice of closure form had a date XX/XX/XXXX with amount owed {$480.00} to my savings account. XXXX charge off {$530.00} as of XX/XX/XXXX. They had about thirty or more days from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to investigate their at fault and be free of clerical errors reporting to XXXX. My accounts had fluctuating balances of {$5000.00} to {$10000.00} that past year of XX/XX/XXXX. I believe with fees and confusion, there is a balance owed to me. Issue number four is U.S. Bank did not care to find where my deposits disappeared too, only that I was supposed except their frivolous accusations as just a person in general to their concern, which felt violating in accord with my civil rights.

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 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Credit bureau is in direct violation of Metro 2 compliance, FCRA, and FDCPA.

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 2016-02-19
Company: Commonwealth Financial Systems, 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 was paid

Complaint:
I had an XXXX collection from XXXX for {$820.00}. I refused to pay the original amount to XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX XXXX financial systems for the amount of {$820.00} and i was offered a 50 % discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from COMMONWEALTH FINANCIAL SYSTEMS asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX % discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Conn's, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Open account with CONNS CREDIT CORPS on XXXX XXXX XXXX XXXX XXXX XXXX. I return merchandise back to store at XXXX XXXX Mississippi store I have a invoice where I return it they have reported me to XXXX for a total of XXXX I have received about XXXX calls from them I have screenshot the phone calls before XXXX I have faxed over the invoice where I took merchandise back I agree to pay restocking fee of XXXX dollars I have call them maybe XXXX times and they give me run around they should not have reported to credit agency for the amount above I had talk to several of their employees they said they would take it off but have not they have called me so many times i faxed them copy of invoice like they ask me 3 times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on Transunion that are not recognized. I contacted Transunion customer service and they did not delete the negative inquiries. Below I have listed these inquiries.

1 ) XXXX  2 ) XXXX/ XXXX XXXX 3 ) XXXX/ XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) 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 2017-08-14
Company: ACCESS GROUP INC.
State: NM
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:
Access Group INC, I have tried time and time again to have a " Consumer Dispute '' removed from my XXXX credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the Summer of 2009. All of my documents were sent via registered mail return receipt. 

The following is my current information : * Access Group INC - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation