BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Went into XXXX hospital ER in XXXX texas previous years. All bills paid by XXXX. Then out of nowhere I see pro collect collection trying to collect on the ER visits for XXXX XXXX XXXX XXXX. I never received anything from the XXXX XXXX XXXX. I was never informed. I went to the hospital patient administration and asked why did n't they use my insurance they said they had nothing to do with this particular company for the doctors XXXX XXXX XXXX XXXX XXXX only covers XXXX. I 'm trying to get pro collect to send me a legal authorization letter saying they can legally collect for XXXX. I called the so-called number For XXXX and the lady told me they do n't exists!!!??? there are XXXX items on my credit concerning this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Leading Edge Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting called daily from XXXX. Caller ID identifies them as Leading Edge Recovery. I have never heard of them and a quick google search identifies them as a shady debt collection agency also going by the names of XXXX XXXX or XXXX XXXX & XXXX. 

I have answer this call several times to ask them to stop calling, but whenever I answer there is no one on the line, just silence

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: DISCOVER BANK
State: PA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I had a 12 months CD with Discover Bank with a Maturity Date of XXXX XXXX, XXXX. Discover Bank broke my CD, canceled my account on XXXX XXXX, XXXX and sent the funds to the Treasury of Pennsylvania in a escheatment process. Discover Bank did not send me any warning or notice of this action either before or after the fact and they took this action with out my consent. I would not have even found out this action took place if I did not call the bank on XXXX XXXX, XXXX because of the missing XXXX INT for this account for tax filing purposes. This 12 months CD automatically rolled over into a new 12 CD unless I told the bank otherwise during the grace period before the new 12 months CD started. I did receive a notice about this dated XXXX XXXX, XXXX. When I spoke with Discover Bank and found out about this action on XXXX XXXX, XXXX, I asked the bank to retrieve the funds from the Treasury of PA. Discover Bank told me that the funds have already been sent and is " out of their hands '' and that I should contact the Treasury of PA to get my funds back. I then called the Treasury of PA and they told me that the funds will not show up in their system until about 6 months time. The Treasury of PA then told me to call back Discover Bank and ask them to retrieve the funds because they were only recently sent. I called back Discover Bank on XXXX XXXX, XXXX and told them that the Treasury of PA suggested that they retrieve my funds back for from from the Treasury of PA. Discover Bank told my " they do n't do this '' because the laws are different in all XXXX states. Note, there is a form for financial institutions to retrieve customer funds from the Treasury of PA on the Treasury of PA 's website. But, Discover Bank was unwilling to do this for me. Discover Bank should not be allowed to offer CD 's that automatically roll over if they are going to confiscate the funds from such CD 's through the escheatment process. I feel cheated and I was cheated. The CD that I had with Discover Bank was in an interest baring account. And, now my funds from this CD have been sent to a non interest baring account at the Treasury of PA for possibly 6 months or more if I am able to get my funds back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have submitted each mortgage check to ditech ( I have XXXX mortages ) with them and they continue to post the money in the wrong account even though the correct account number is written on the check. I have recently tried to pay off my small mortgage and they applied it to the wrong account. They state that " they had a big computer update and it changed account numbers and many customers had that problem. '' However, that does not change the fact that they have messed up my account. They have told me to wait and I have waited 3 weeks! I call each day and they say it is being reallocated and " researched. '' I have my check stubs as backup to my claim. When I call, most of their representatives are rude and get snappy. They are not customer friendly and do not help customers try to resolve issues. I would have hoped that having an excellent payment history would help, but obviously they are too busy to care about their customers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: DAS ACQUISITION COMPANY, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Went thought USA Morgtage and DAS Acquisition underwriter at the last minute on last wednesday stated I need addition document of employment. My loan officer I have no issuse with its the underwriter of my VA mortgage put me and my family is a really diffucuilt sitution and loss hope and uncertaintly of using this house that the underwriter went though all the stages and getting our hopes ups, and making my family possibility becoming homeless over this sitution. Making our family think we got to pay all these inspections, apperaziles, and other paying all these fees. My finicial coach adivised me to contact you over this issuse. My name is XXXX XXXX my email is XXXXXXXXXXXX and my cell phone # XXXX and my wife name is XXXX XXXX here contact are email XXXXXXXXXXXX and cell is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear God, please do something about Ditech. I had XXXX mortgages sold to them by XXXX and Greentree. Half the time, Ditech 's website does not work. For a long time I had to pay THEM a fee to make an online payment. More often than not the website does not work. I never chose to do business with Ditech and XXXX different lenders/servicers sold my loan to this nightmare organization and there is absolutely no accountability. Rude and incompetent when Ditech is contacted. What a nightmare. Does n't seem to have changed after horse-racing XXXX XXXX was driven from the company after criminal behavior of its leadership.

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 2022-11-17
Company: DISCOVER BANK
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX received an updated Consumer XXXX XXXX Report # XXXX dated for XX/XX/2022, I contacted XXXX XXXX XXXX in a letter stating you are in violation of credit reporting act 15 USC 1681B for unlawfully obtaining my XXXX XXXX and XXXX XXXX Consumer report on the dates XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Without my authorization and permissible purpose under the FCRA as a result of you unlawfully obtaining my custom report you are liable to me actual damage or statutory damage up to {$1000.00} and punitive damages. I am willing to settle this matter without admitting liability, cease and desist obtaining copies of my consumer report from the consumer reporting agencies pay me {$1000.00} and deliver it to my address above within 10 days of receiving this demand. Please advise as a secured party/creditor, I am prepared to place a commercial lien on your company if you do not comply with this demand upon time or receipt of the thousand dollars and deletion or any increase on my credit file this letter should serve and shall be general release of all claims herein. 
I have a contacted XXXX consumer reporting Agency about this matter giving them proof of identity theft and they have since blocked Discover from my reports and I have it for my reference. Discover knowingly viewed my reports knowing they had no permission to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I pulled my credit, and saw that XXXX is reporting several accounts on my report. 
Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent XXXX a letter requesting the below information : XXXX. Breakdown of fees including any medical charges and collection costs XXXX. A copy of my signature with the providers of service to release my medical information to you XXXX. Cease any credit bureau reporting until the alleged debt has been validated by me. 

I received a letter from XXXX dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the XXXX Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. 

However, I received another letter from them dated XX/XX/2022 completing ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. 

I am demanding that they cease collection and delete these accounts off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company offers an online payment option at a cost of {$12.00} per transaction, I have used it twice and have had the same result. The first time I tried several times to get a resolution directly through the mortgage company, they continued to charge me late fees and actually initiated foreclosure proceedings when in fact they had received my payment but did not credit my account. Unfortunately it as happened again, This time I do n't want to waste my time and energy going to the mortgage company because 1 ) they are offering a payment option and when used they do not credit your account and charge you late fees, 2 ) The frustration of dealing with multiple customer service agents, 3 ) the time and effort to correct a problem that is a result of their error. 
I have received a statement dated XXXX/XXXX/2016 that my account is 46 days delinquent and that I am in danger of foreclosure ; I have made the following payments {$1500.00} on XXXX, {$1400.00} on XXXX, and {$1500.00} on XXXX. The last payment was made via XXXX XXXX XXXX from their website. I received confirmation from the company of the {$1500.00} payment for XXXX ( Includes the {$12.00} fee ). What I do n't understand is they are now claiming that I have not made payments and they continue to rack up late fees. I would appreciate if they would review their own records, they are showing non payment for XXXX and XXXX which have been paid. I would also like them to review and reverse the late charges from this current episode and from the previous episode where I was charged late fees and attorneys fees for a payment made through their authorized provider for which they belatedly applied the payment in the previous incident and for which they have not yet applied the payment for the funds received on XXXX/XXXX/16. Additionally, if they are not able to complete the transaction with the current provider they have on their website, why do they continue to use said provider? Thanks.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Despite meeting payment arrangement and paying earlier than agreed Ditech harasses us over the phone and by knocking at our door! 
It is unacceptable to have this company abuse its clients by unfair practices. They agreed to a payment arrangement, payments were made and paid balance due before agreed date. They have knocked at my door twice leaving nasty messages. Balance due was paid last XXXX XXXX. Today XXXX XXXX someone knocked at my door and left another nasty message. WHY? UNACCEPTABLE!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: MI
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 unauthorized inquiries reporting on my credit report that I didnt authorize or approve and I would like them removed as soon as possible because they are fraudulent. The following inquiries are not mine and I dont recognize them : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX XXXX account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on these accounts.

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 2021-08-31
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I contacted XXXX on XX/XX/XXXX after days of being unable to log into my account. I called the phone number : XXXX and emailed XXXX pictures of the System Error message. I was told to reset my account password as well as try a new browser with cookies reset, use the mobile app, and try to log in through a fresh XXXX XXXX and XXXX XXXX browser. 

After attempting all the above suggestions, I still could not log in to my account to view my XXXX Account information or records. Since the error message said this was an issue that was to be resolved by the System Administrator ( as I could log into my account, just not bypass the System Error page ). I was informed that IT would take a look at the issue after their manager would reach out to them. 

On XX/XX/XXXX I called XXXX at the same number again, and emailed the same pictures of the error message XXXX after being requested for images of the System Error message again. I was informed that IT would look at the issue. 

On XX/XX/XXXX XXXX responded to my earlier emails to request me to try logging in with the mobile app. I responded that it still did not work. I was also informed that IT did not have a response to their manager yet. 

On XX/XX/XXXX I called XXXX at the same number again to inquire about any possible updates from IT. I was informed by the agent then that a ticket would now be filed to IT regarding my issue. I was confused, as I had thought that a ticket had been filed on the XXXX, which would mean that about a week had gone by without an actual ticket being filed towards the issue. I was then informed that I would receive a call by XX/XX/XXXX from the support manager, no matter if the IT team had an update or not, just to keep me in the loop of the progress towards fixing the System Error to allow me to access my account. 

On XX/XX/XXXX I did not receive a call from XXXX, so I ended up reaching out to the same customer support number at XXXX Pacific time, as I was anxious to be able to access my account information and funds. I spoke briefly to the support manager : XXXX who informed me that they would upgrade the priority of the ticket. 

I have not received any updates/calls from XXXX since the XXXX, where I had to reach out to them even though I was promised an update. I'm concerned that XXXX is not prioritizing serious technical issues that prevents their customers from being able to access urgent funds that are pertinent to their health insurance. Furthermore, the consistent lack of communication from XXXX does not inspire any faith that they care about the safety of their customers and their health insurance funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Pinnacle Credit Services, LLC
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:
I paid my XXXX bills always on time and closed the account in good standings and even verified that with a XXXX rep. I was sent to some collections agency and never told why. I have my last bill and even proved to them I do not owe this debt. They have been unresponsive to both myself and the lawyers I hired. They will not stop reporting this and it 's hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXXXXXX XXXX XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN ONE OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ).

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 2016-10-06
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Green Tree Servicing failed to honor my permanent loan modification when XXXX XXXX XXXX transfer the loan to them. They reported my loan as foreclosed but continued to take all my monthly mortgage payments. Months later they wrote saying they were going to honor my loan but made me go thru the trial period again, at the end they did modify my loan but they increase my interest this change will benefit them by XXXX for the life of the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
green tree has had the loan on my mobil for years a few years back i offered to try to make a short sale on the property and it was call next week so id call and it was call next week then after bout a month of that they say call next month and then nothing.Now it takes me to today i am bout a month behind on my payment im getting phone calls that i seem to miss while im at work .and they want me to call them back yet there is no option to talk with a person the only option i have is make a payment.I again have sent via fax to them a fair offer to settle my account and yet again i feel like they have no will to even look at it .so i look at green tree online and finding they are being fined by the ftc for the very thing im going thru im at a loss here and very XXXX out i cant even talk to a live person is there anything i can 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 2022-11-17
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had talked on the phone with sallie mae back in XXXX in the fall. Roughly XXXX. The rep I talked to told me that we would put me on a payment plan that would help me pay off my loans and not accrue constant interest. This was a lie, not only did they continue to charge me money during COVID, even when I told them about not being able to work/losing work because of COVID, they never gave me my payment plan. When I tried talking to them they denied this, over and over.

I missed one payment, and they have been harassing me nonstop, sending me 10 texts a day, 6-12 calls and voicemails, and at least 2-3 emails per day about it.

This company is disgusting in their practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief