BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I ended up in a financial bind as a single mom with no help or support and no government assistance and ( should have known better ) got a payday loan then title loan through Advance America. I had a XXXX in the family and suffer an illness that has caused me to miss work. I 've asked for leaniency with this company and they call me XXXX times daily while at work, show up at my boyfriends home and leave notes on his door, call my daughters phone XXXX times daily and they have been asked to stop doing all of this. I would gladly work with them and pay my debt if they were n't so intrusive, rude, showing up at my door as I am literally too sick to move and throwing their business card at my child, snapping at her and demanding that she tell me to " call her TODAY ''. My daughter is at school and feels harassed. I feel both humiliated and harassed. My physical illness is worsened with the stress these bills have caused me. I had to do what I had to do to support myself and my child. They were n't the smartest choices but I made them. I 've tried to scramble to come up with solutions but them harassing me is slowing down that process. If they show back up at anyone 's home ( because they are not professional nor do they follow privacy laws ) again I will remove them from my property myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposit three authentic USPS money orders through the USAA banking app ( which USAA claims to support money order deposit ) on XXXX XXXX and XXXX XXXX. The app shows these money orders are available immediately. So I used the balance to schedule my credit card payment the next day. However, after 3 days, all of the money orders become " on hold '' while the USPS money order system shows the bank already cashed these checks. Now the USAA bank tells me all of the money orders were returned when the USPS money order system shows USAA cashed them. This will cause a big problem because my credit card accounts will charge me return check fees. In addition, the USAA bank says it is shutting my account because of the return check when in fact they cashed it. I have uploaded the picture of money order with the serial numbers which can be verified through USPS money order system to be genuine. Now I can not deposit the money orders elsewhere because USAA has cashed it, but also I can not get access to the fund in my account because USAA claims the checks are returned.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX has sent me to collections and have conveniently deleted/lost all the notes regarding my account. When I contacted the collection agency they say that XXXX will not allow them to have a copy of the notes to my account and thus ca n't give them to me either. 

I had thought I closed my account back in XXXX XXXX because I was getting another phone through my work. I was told my phone had been paid through the EIP program. I moved in XXXX XXXX to a different address and had all mail forwarded for 6 months but did not receive notification of collections. 

Even worse, the charges are {$790.00}, even though my phone was paid for and I had not used my phone since XXXX XXXX. No one at XXXX can tell me what the charges are as well as the collections agency it was sold to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: 3rd Generation, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
They call everyday with harassing threats and are very combative after making an agreement with them to make a payment on a certain day, due to hardships the payments are late. But I make agreements with them on a Monday to make the payment on Friday and get calls everyday till the day arrives. They are rude and hang up if you tell them about the agreement that was made. Then make threats of repossession. This is the worst customer service ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased an automobile in or around XXXX 2015 from a dealership. The vehicle had experienced mechanical problems, and so I returned the vehicle and the dealership accepted the return minus their restocking fee. Well, I had told the USAA customer service department about the vehicle being returned. I have also been XXXX and told them that as well. Please assist me in dealing with this matter. On XXXX XXXX, 2015, USAA debited a car payment from a joint account without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have a Bankruptcy that is over 9 years old and it should have no financial bearing on me, but it is hindering me and my credit and I need it gone. I've been disputing since XXXX and still haven't had anything come from the bureaus! The first dispute was XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

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 2017-01-03
Company: ACS Education Services
State: MA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
As a result of ACS ( student loan company ) not taking care of not removing an erroneous late payment my credit score went down. Even though my payment was made XXXX weeks before the due date and after speaking with a representative from ACS, they failed to make the necessary adjustment to my account but instead reported to the credit reporting that my payment was past due. In addition, when calling ACS you are put on hold for XXXX minutes to almost an hour before a representative comes on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my monthly mortgage payment to PennyMac on time. They applied the entire amount to a one-time principal paydown instead of my monthly payment. My next statement showed late fees and that my loan was in arrears. I made at least two calls to their customer service center to clear up their mistake. I then got another letter from PennyMac stating that my loan was not current. 

I requested and was promised a call from a supervisor, which never occurred. I also requested and was initially denied a written communication from PennyMac stating that : a ) the error had been corrected ; b ) my loan was in fact current ; and c ) my credit rating had not been affected. 

Since I have neither received a call from a PennyMac supervisor nor a written communication, I am contacting CFPB to ensure that my credit rating is not impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I use to be a patient if XXXX whom is claiming I owe them {$510.00} after there office was closed down they put it on my credit as gulfcoast XXXX and I keep disputing I called the office manager at XXXX XXXX because never did I owe them this or the dr would not of seen me I had Medicare and Medicaid always paid my copy 's when I went in to my visits and I think someone internal is committing fraud I never even received a phone call or letter from them for this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Servicing issue. My PITI monthly payment is $ XXXX/mo I routinely pay {$2500.00} or {$150.00} extra which I intend to be used towards princiipal. This is not applied ( I assume it would allow me to avaoid a little ineterst. Servicer is un willing to make this change except on a month by month basis- they want me to provide a letter each month that I over pay. Ditech For some reason this does not feel right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: NJ
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:
Sent letter 90 days ago heard nothing back, tried calling no answer, cant get through, extreme wait times, and IVR systems that take you around in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I bought the house at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX for {$290.00}. 

By summer XXXX there were XXXX mortgages on the property, XXXX held by XXXX, a 30 year loan with balance of approximately {$100000.00} and the other by XXXX XXXX XXXX, a HEQ line with an amount of {$120000.00}. In XXXX XXXX, when I rented out the property and moved to XXXX XXXX. The house was rented until XXXX XXXX, XXXX. The XXXX mortgage was assumed by Bof A for many years, and in XXXX they sold it to Green tree Servicing. The Home Equity line is still with XXXX XXXX. 

XX/XX/XXXX I began to investigate the possibility of selling the house, and perhaps on a short sale basis, in case my liability on the XXXX loans turned out to be greater than the value of the house. 

On XXXX, XXXX date I was informed during a call to Green Tree that the house had been foreclosed on by Green Tree, the holder of the XXXX mortgage. I have no documentation to to support this. 

At that time, the balance due on the first mortgage was approximately {$100000.00} and the balance due on the XXXX mortgage was approximately {$120000.00}. The fair market value of the house at that time was more than {$200000.00}. 

I have repeatedly asked Green Tree for an accounting of the proceeds of the sale, but have been unable to obtain any information about how much the house was sold for, to whom, or on what date. No transfer deed has ever been recorded in the public records. 

On or about XXXX XXXX, I was contacted by XXXX XXXX XXXX who represented that he had bought the house at the foreclosure sale, and asked me to sign a quitclaim deed in exchange for ( {$1000.00}? ). I do n't know if he is the actual buyer or a fraudster. 

At this stage, I do not know if I am still the owner of the property, or whether it has been sold. If it was sold, I do n't know whether is was sold for anything like the fair market value. I fear that the XXXX mortgage holder may have sold the property for far less than its actual value - enough to cover some or all of their loan, but not the XXXX mortgage, for which I would still be on the hook. 

I am writing because I have been unable to get answers to my questions from ( Greentree ) and its representatives, and I do n't know what to do next. At a minimum, I would like to know whether the house was sold, when, and for how much. 

If the house is still mine, then I would like to arrange a sale, possibly a short sale, that would take care of both loans. If I have no further ownership, I would like to know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I RECVD THIS DOCUMENT IN THE MAIL. I DID NOT SIGN UP FOR THESE SREVICES I HAVE CAKLLED AND WENT ON THERE WEBSITE TO TELL THEM I DID NOT SIGN UP FOR THESE SERVICES. 
PLEASE CONTACT THEM AND GET ME OFF THESE SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I tried to close out my loan with Ditech on XXXX XXXX. Our reoccurring payment was supposed to process on XXXX XXXX. However, they processed our payment on XXXX XXXX and then did n't close out the loan until XXXX XXXX, holding our overpayment " hostage ''. We contacted them on the XXXX when the payment came out and they said they ca n't cancel it. Then the system was down from XXXX XXXX XXXX and during this entire time frame we were unable to get any information about our loan. Now on XXXX XXXX they still can not give me any information on the status of the refund they owe me, only that it will be evaluated at the end of XXXX. I can understand if it takes awhile to process the check but I should be able to know my exact account balance daily - not over a month later.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2015, JP Morgan Bank deducted without authorization from my personal checking account {$300.00} listed as an ACH payment to XXXX XXXX. I have never authorized any ACH payments from my account. I have never used the Debit card to make a debit purchase in the years I have had the account with Chase Bank. On XXXX XXXX, 2015, another {$500.00} was deducted from my account without authorization as a new ACH payment. On XXXX XXXX, 2015, while depositing checks, I ran a statement of my last XXXX transactions from the ATM and received a print out. I went into the branch and alerted the bank to the fraud. The fraud division at Chase did not answer the phone for 28 minutes even though the call was from the branch. After several calls on the morning of XXXX XXXX 2015, I received the information that anyone with my checking account number and routing number ( which is on the face of every check ) can withdraw money from a person 's checking account in any amount! No written authorization from me, no notice to me of the withdrawal from my account. Nothing. Robbing people 's money at Chase Bank is as simple as taking the account number and routing number and submitting an ACH request to the bank. Is there no surety bond for a party taking an ACH. 
Is there any background check on the party requesting an ACH? I wonder if my XXXX year old mother would recognize an ACH debit from an organization that appears to be a utility bill ( in my case XXXX XXXX ) or an insurance bill ( XXXX XXXX XXXX ). 
This is the easiest method to rob the elderly and the majority of Americans who do not pay attention to their accounts. 

What has government done to stop this looting of accounts? It appears very little has been done. What is the purpose of CFPB if it can not protect the basic checking accounts of citizens. What is XXXX XXXX doing about this looting of accounts by simply submitting ACH requests? Does XXXX XXXX have the personal fortitude to correct this problem? Senator XXXX XXXX fought for XXXX XXXX to be head of CFPB - I am hoping that XXXX XXXX has the personal fortitude to make a difference in this matter and make his parents proud of his actions -- not just of his title as head of CFPB and his salary and benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: National Credit Systems,Inc.
State: FL
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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE APARTMENT LEASES IN MY NAME I HAVE MADE CRIMINAL COMPLAINTS AT LOCAL AND FEDERAL AGENCIES I AM A VICTIM OF IDENTITY THEFT I HAVE PROVIDED A COPY OF MY IDENTITY THEFT REPORT ON THESE ACCOUNTS ATTACH TO THIS COMPLAINT ***PLEASE SEE ATTACHMENT ****

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: ECMC GROUP, INC.
State: TX
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 saw XXXX collections on my credit from ECMC, a collection agency that is not bonded to collect in my state. I sent for validation from them but they never responded. My student loans were consolidated and are current, yet this agency refuse to remove this inaccurate information from my credit. 
ECMC IS NOT BONDED TO COLLECT IN MY STATE

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 2016-08-28
Company: Ditech Financial LLC
State: WY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage on a property since approximately 2003. It was underwritten by XXXX, sold to Green Tree, and resold to DiTech. Since the inception of the loan, it has been paid automatically from my bank account, and has never been late. 
Since Ditech got the mortgage, I have been harassed by phone and by mail, saying I am anywhere from {$35.00} to {$650.00} overdue. This is not true. I have contacted Ditech by phone 6 times about the issue, twice speaking with supervisors. Each time I call, I am told that my account is in fact NOT past due, but that since their takeover of the Green Tree loans, Ditech 's " reallocation '' process is behind, and that is the reason I continue to get dun notices by phone and by mail on a monthly basis. 
I do n't know what a " reallocation '' process is, and I do n't care. 
1 ) I want Ditech to stop contacting me to tell me my account is overdue when it is not ; 2 ) I want written assurance that my XXXX+ credit is not imperiled by Ditech 's internal XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are Not Factual since I've never authorized them. The FCRA requires Credit Bureaus to follow up and investigate those inquiries in question or delete. 
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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