BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/XXXX from XXXX bank stating that Mr Cooper would be servicing my mortgage after an effective transfer date of XX/XX/XXXX. I set up my XXXX bill pay to make sure the payment would not be late and to reflect Mr Coopers payment information. I called Mr Cooper on XX/XX/XXXX to make sure it was ok to make a payment and they told me to wait until XX/XX/XXXX to make the payment. I made the payment on XXXX and noticed the next day that it said it was scheduled for XX/XX/XXXX. I checked my bank on XX/XX/XXXX and saw that money was deducted from my account but after checking Mr Coopers website the next day it said my payment was 18 days late. I called my bank today on XX/XX/XXXX after seeing I was now 19 days late and they said Mr Cooper cashed the check ( that they requested instead of sending the money electronically ) on XX/XX/XXXX. I then googled Mr Cooper complaints and saw XXXX  had XXXX complaints filed and only has a XXXX Star Rating on XXXX reviews. After reading several of the reviews I also noticed they have a court judgement against them basically for predatory business practices which seemed to match the opinions of the consumers reviews being charged additional fees for Mr Coopers incompetence in servicing their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Td bank keeps charging over draft of XXXX.i reach out to them and no help.they have charged me up to XXXX for over draft.and I haven't used my checking account since the XXXX of XXXX Now they have me up to XXXX .charging me over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Referring to my previous complaint case # XXXX I entered into a new contract with Citi with the same results of them failing to fulfill their obligations. I called Citi during the contract period three times to remind them of their obligations. They let the deadline pass without applying triple interest which was agreed upon. I can not be the only one that this fraudulent method is affecting. So one more time I would like an explanation of how these mistakes are continually made enriching Citibanks balance sheet and leaving some poor consumer like me never knowing they were swindled. Every time I called Citibank they were completely unaware of the promotion and monies due me. I 'm glad I kept the records for 90 days not everyone does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: CITIBANK, N.A.
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 settled XXXX CitiBank accounts with XXXX XXXX XXXX back in XXXX 2007. I attached proof of the settlement. But every time I dispute the balance on my credit report, it comes back verified. Therefore, I need this account to be deleted from my credit report for reporting inaccurate information that was clearly not verified or an investigation done. I am including a screen shot of what my credit report looks like on XXXX through 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 2022-10-12
Company: Experian Information Solutions Inc.
State: IL
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 did not open XXXX XXXX  account # XXXX This is a fraudulent account I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account 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 2016-03-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
I was charged multiple fees for transactions on my account that was drawn out of an old account and Citibank is racking up fees and interest also when I first got the card I was told that I was n't going to be charged a member fees per the account terms I have been charged fees after I called Citibank to have the fees discussed and reversed the interest has cause my account to be over the limit and affect my credit dramatically

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 2015-08-18
Company: Diversified Consultants, Inc.
State: AZ
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:
full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact XXXX XXXX XXXX, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted XXXX XXXX XXXX XXXX and Diversified Consultants, XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 I needed to get an emergency car repair and I used my Avant credit card to cover the expenses. The total of the bill came up to {$450.00} and I had {$500.00} available credit because I had recently paid the account balance in full by making a payment of {$500.00} on XX/XX/2022 after making on time monthly payments and paying the balance in full several times. I called the credit card company of which I was told that my credit limit was decreased and I currently had a credit limit of {$300.00} and that they could not tell me the reason for the decrease although I had a {$0.00} account balance. I requested a supervisor and the agent disconnected the call. I then tried to use the card for the {$300.00} available limit and the card was declined and I tried to use the card for {$250.00} and the card was declined again. I called the credit card company again and requested to speak to a supervisor again and when I was connected to the supervisor I was notified that she could not tell me why my credit line was decreased but I would receive a letter in writing notifying me of the adverse action that I would receive in the mail in XXXX days and that there was a block on my card because of the declined {$450.00} transaction. The supervisor removed the block from my card and I made a complaint against the company. I then completed a partial transaction for {$300.00} with the unblocked available credit and I then logged into my online account and I noticed an over the limit fee and additional fees are still pending. I was not notified of the adverse action or the change in terms of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Monterey Financial Services LLC
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 resulted from identity theft

Complaint:
I was a victim of identity theft in XXXX and recently in XXXX through XXXX. I was notified by IRS XX/XX/XXXX that I had been a victim of Identity theft which I was advised to check my credit report as well. When I checked my credit report I found two accounts that I did not recognize. They were XXXX and Monterey Collections. Once I found this I contacted the credit reporting bureau to place a fraud alert and to dispute those items. I submitted police report, IRS affidavit as well as ID social security card and an insurance document to verify my identity. I sent it to XXXX and XXXX Credit Reporting Bureaus and I also sent it to XXXX and Monterey Collections. After that I recieved a letter from Monterey Collections stating that they legally did not have to verify any information with me because of a 30 day clause. So, I did contact them and let them know that I just became aware of the situation that I have forwarded all documents to prove that this information was not mine. I also told them that another company was also reporting this information on behalf of XXXX. After that there was no other correspondence with either of the two companies. XXXX sent me a contract where they had my name and my husband 's name. So XXXX asked did I know who could have done this, I told them that I was not aware and I have not heard back from them either. But what they have done, they have sent to XXXX and XXXX that those account have been verified. However, those accounts that they are saying that are verified are not mine and they are only one account that is being reported as two. I then submitted a letter to both XXXX and Monterey on XX/XX/XXXX, since they said that they would not verify the account with me. In my letter I requested validation of the accounts pursuant to 15 USC 1692G Section 809B of the FDCPA. I also included in this letter that until the items that I have requested have been validated that they are not to continue to keep reporting to the bureaus and that they have 30 days from XX/XX/XXXX to provide documents of which they have not done. Also XXXX claims that these items are no longer appearing on my credit report which is false information. They are still reporting as a Open/late account and Monterey Collections is reporting as Open/Collection. I spoke with XXXX with Monterey Collections on today, XX/XX/XXXX who stated that she received my letter requested for Validation and Cease and Desist of any collection activity and reporting and they have continued to do report false information without providing requested documentation or verifying the documentation I provided to both companies. Therefore I am emclosing those same documents submitted to XXXX and Monterey Collections to your office regarding this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't know what else to do with this situation! Medical bills are arguing my credit! I pay my bills ... .. Please stop giving me bills that should be pay by my ex husband ... ... he paid all before our divorce

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Affiliated Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The hospital is trying to collect a debt, the insurance company paid the hospital bill. 

On the Explanation of Benefits states. 
" PAYMENT FOR THIS SERVICE MAY HAVE BEEN REDUCED. THE SERVICE WAS DONE BY A NETWORK PROVIDER. THIS MEANS THE PROVIDER HAS AGREED TO ACCEPT THE CONTRACTED AMOUNT, LESS ANY PRICING CHANGES DUE TO MODIFIER ( S ) THAT MAY HAVE BEEN SUBMITTED ON THE CLAIM, AS PAYMENT IN FULL '' The hospital is an in-network provider and should not be charging me any amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Sunlight Financial LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had been financed through them for solar panels by XXXX XXXX XXXX XXXX that put them in. My panels weren't even working and they where making me pay for something that didn't even work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently enrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: CITIBANK, N.A.
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a Citi Visa Debit card that I believe I received as part of a promotional offer. I no longer have the paperwork that came with the card. I had not used the card and it was misplaced during a move last year and the card expired XX/XX/2015. 

According to my research and based on information on the CFPB site : " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. '' I have contacted Citi about replacing the card, which only has a balance of {$5.00}, and they are refusing to replace the card. At first they simply refused. Then when I pointed out that their website stated they would reissue expired cards, they responded that they could only reissue within 180 days of expiration. Then later, after I informed them of information I found on your site, they responded, " The Citi Prepaid card you received is a Promotional Prepaid Visa, and not a gift card making it exempt from legislation referencing gift cards. '' My card is not identified specifically as a " Promotional Prepaid Visa '' or as a " gift card. '' My card simply says it is a City Debit Visa. 

They have given multiple excuses as to why the card can not be reissued. I know it 's only {$5.00}, but it is the principle of the matter, that they issued the card and are finding any excuse they can not to honor it. I think this is poor business practice and speaks volumes about how they treat their consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I disputed the the debt attempted to being collected. I have mailed out a letter asking to properly verify the debt showing original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The company has sent over a hand written note stating I owe {$490.00}. This piece of paper does not have a contract with both parties signature agreeing to this debt. Also this piece of paper is not identifiable. It does not state my name or the company name nor does it have my signature on this paper.I was not given a FULL consumer contract with my signature on it. I have attached a letter from my credit report that corresponds with my payment history. i paid my rent through their system called XXXX. My credit corresponds and states that I paid my rent up until XXXX of XXXX. Why am I being charged for XXXX rent. 

This company has NO DATE on the invoice. No COMPANY NAME on invoice. No signature. No contract on this invoice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: PA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX*Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, Ive been a victim of fraud and over {$50000.00} was stolen from my bank. The bank denied my claim and closed my account. The name of the bank is Bank of America. This is going to severely affect me as Ive done nothing wrong. Please help as Im out of luck. This was all my savings

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 2016-01-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citi bank sends personalized letters 'offering ' credit cards stating that offeree has been 'pre-selected '. However, when the letter is responded to and the offer is 'accepted ', the bank declines it citing various reasons such as credit status. Consumers are deceived using misleading language such as 'offer ' and 'pre-selected ', such that implying to consumers that the personal situation, such as the credit report, has been evaluated and an offer is made, when all that has not happened. It appears that citi bank buys the names and addresses and makes offers as if the bank has evaluated the persons ' credit worthiness. Consumers please be aware and do not be convinced that citi bank is indicating willingness to extend credit - it 's mere deception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: SQUARETWO FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I think this is my wife 's loan. She did not tell me about this loan. She had loss her business back in 2012 and we then had limited income. I was then the sole income earner. She was later sued from another company for {>= $1,000,000}. We had to get an attorney, which cost is thousands of dollars and this dragged on for over two years. 
She was not able to win and we had to come to a settlement with the other company.

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 2015-04-08
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We had a HELOC with XXXX bank which was to mature at the end of XXXX XX/XX/XXXX We applied for and received a modification for a fixed rate of 4.75 % for 300 months. Letter is attached. We ratified this modification with a payment on XXXX XXXX XX/XX/XXXX and continued to pay the required amount, {$830.00} on XXXX XXXX, XXXX XXXX and XXXX XXXX. See attached statements and XXXX payment letter from XXXX. Specialized Loan Service, LLC took over the servicing of the loan on XXXX XXXX XX/XX/XXXX. See attached letter. We sent our XXXX payment due on XXXX XXXX. See attached check with date stamp of XXXX XXXX XX/XX/XXXX at SLS. They returned our check and never cashed it. I called and was told they had no information of our loan modification and could only accept the full balloon payment of {$140000.00}. See attached statement. On XXXX XXXX XX/XX/XXXX I was advised that I should fax them the information of my modification and then I could make payment. I did so and authorized them to withdraw the payment directly from my account. See attached XXXX XXXX notification of payment on XXXX XXXX XX/XX/XXXX. I set my payment for XXXX XXXX, XX/XX/XXXX to be sent from bill pay from my bank. It is now XXXX XXXX and the payment has not cleared. On XXXX XXXX, XX/XX/XXXX, I received a check from SLS on their check stock for the amount of my payment which they withdrew On XXXX XXXX. See attached. I have not cashed this check. I called them again of XXXX XXXX XX/XX/XXXX, and they are again stating that they can only accept the full amount of the balloon payment and informed me that I am 36 days in arrears. I am making this complaint to document that I have attempted to comply with my loan agreement as established by the previous loan servicer. I am not getting any help from SLS at this point and am worried about what they may do to my credit. Other complaints about this company have a similar story.

Company response to consumer: Closed with explanation