BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial paid someones else 's real estate taxes from our escrow account back in XXXX XXXX. I caught the mistake on XXXX XXXX, XXXX. I have spoken with representatives of Ditech on multiple occasions as well as sent a letter outlining what happened and requesting that the monies be returned to our escrow account. Ditech 's error has caused our escrow account to be deficient and our monthly mortgage payment was increased to make up for the deficiency. My last call to Ditech was on XXXX/XXXX/XXXX. I was told to leave a voicemail message for the supervisor XXXX XXXX outlining the reason for the call and was assured that he would call me back. I have still not received a call back nor a credit to my escrow account even after numerous demands. A Ditech technician that I talked to on XXXX XXXX, XXXX advised that per the notes on my account that it has been scheduled for XXXX XXXX to be resolved. That would be 10 months after their error and 6 months after my first demand. We just want the money put back into our escrow account by Ditech, They then can pursue whatever remedies they have against the person that they are trying to collect the money from. We should not have to pay for their error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Ditech Financial LLC
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Ditech Financial sent me a bill which I disputed. I requested verification in writing. Ditech could not verify the debt. 
Ditech has made false statements to credit reporting companies. Payment dates are given that are false in an attempt to prevent negative information from aging off my credit report. 
Ditech continues to contact me in writing despite my specific instruction not to after debt verification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a complaint on here on XXXX XXXX, XXXX in regards to XXXX XXXX XXXX improper validation of my so called debt. I sent them XXXX different letters, first being on XXXX XXXX, XXXX that was received and signed for on XXXX XXXX and the second being on XXXX XXXX, XXXX that received and signed for on XXXX XXXX, XXXX. Both letters were sent certified mail. XXXX XXXX XXXX replied back to my complaint that I filed on here, XXXX XXXX XXXX. Below is their response which is completely false and in accurate. 


" Response disputed XXXX XXXX XXXX XXXX said : Explanation of closure XXXX purchased the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX XXXX '' ) credit XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX by XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$480.00} was due on the account at the time of XXXX XXXX purchase. 
XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent a letter on or about XXXX XXXX, XXXX, containing validation. XXXX also sent a letter containing a fraud/identity theft affidavit with instructions for its completion and return. 

Response In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time '' I never received any such letters on the past dates that they are stating. I share the same name with my deceased father that passed away in XXXX. He was going through financial hardship in his last years, I already have a identity fraud case filed with all XXXX reporting credit bureaus. It is very easy for a parent who shares a name with their child to open accounts in the child 's name. Which is the case here. This debt does not belong to me what so ever. This account needs to be deleted from my XXXX XXXX and Experian credit reports. XXXX XXXX XXXX broke the law by not responding to me in a timely manner and not even responding at all. I never received the letters they claim they sent on XXXX XXXX, XXXX or the letter they claim to have sent on or about XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is reporting XXXX XXXX XXXX - XXXX on my credit report when it was deleted from the other XXXX reports. I have contacted this collection agency and they have failed to provide proof that I owe this debt. XXXX and XXXX deleted it because they lacked proof. 

Experian is the only credit report that is reporting XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX and XXXX - XXXX. I am not sure how these XXXX accounts were able to be verified by you and but XXXX and XXXX deleted it. 

I also need help deleting the following names that are incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also need help deleting the following addresses that are incorrect. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-05-25
Company: CITIBANK, N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citi bank gold checking account with a coupon code for XXXX XXXX bonus point if I complete the requirement for the bonus. I met the requirement got the confirmation from citi that I will be given the XXXX XXXX point in 3 month. But after three month. Cit told me that they will not honor what they said adn will not give me the XXXX XXXX bonus points. 
I ask citi to honor the promotion and give me this bonus code.

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 2016-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am disputing XXXX, XXXX, and XXXX concerning lateness on mortgage payments. 
I do not have any idea on a loan I had with XXXX so more information from them is needed. 
XXXX became insolvent and was purchased by XXXX. My original loan paperwork stated that there could be no changed to the original document without my permission. XXXX unilaterally implemented escrow for taxes on top of my principal increasing the total amount by XXXX %. I disputed their authority to do this and continued to pay the originally agreed on principal shown on the mortgage. Several time XXXX returned my personal checks stating they could not accept personal checks. After a while I had my bank issue the payments since XXXX would not record receipt of my checks. For several months they continued to refuse accepting payments from my bank. I had to retain counsel to settle their claims but they did not notify the credit agencies to remove the negative comments they had submitted. One would think that XXXX would not have wanted my account if I were such a bad credit risk but they did BUT they " forgave the debt '' i.e. the months they did not accept premium payments and rewrote a new agreement including the " forgiven debt '' into the new agreement. Watch out when XXXX " forgives the debt '' because they notify the IRS and the IRS considers that as income which you will be taxed on. It cost me about {$30000.00} in legal fees to dispute XXXX plus the law firm I used did not advise me that there would be a tax consequence if a debt is forgiven. If I would have known that then I would have told my law firm to negotiate a better deal. Their forgiving the debt cost me another {$10000.00} due to the IRS so overall it cost me {$40000.00} because XXXX did n't honor the original loan documents.

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 2016-06-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX, XXXX, regarding an account with XXXX Bank. The written letter offered the option of " XXXX payment of {$250.00} '' and that my account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$250.00} ( please see attached processed bank check ) and XXXX Bank reported my account to Experian as " Legally paid in full for less than the full balance ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " PAID/Settled in Full ''. I would have chosen pay the amount in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a HELOC loan with Wells Fargo and prior to the end of the draw period I contacted them to convert the load to a fixed rate Home Equity " Loan ''. This was completed in XXXX 2015. In reviewing my Credit reports on XXXX/XXXX/15 I noticed this account was still showing up as a " Line of Credit '' instead of a loan for a fixed amount and is adversely effecting by credit scores because of false " credit utilization '' information this incorrect information is causing. I contacted Wells Fargo on XXXX/XXXX/15 requesting they notify the XXXX credit bureaus of the corrected information and was told that technically this account was still a Line of Credit even though it is not. I explained that the incorrect information was having an adverse impact on my credit scores but was told there was nothing they could do. I advised them that when i converted the Line of Credit to a loan prior to the end of the draw period I was told Wells Fargo representative XXXX XXXX that this account would now show a loan on all my records even though the account number remained the same. This has now proved to be false information. I was told the opposite on XXXX/XXXX/15 by their representative who identified herself as " XXXX '' that made no difference and in fact Wells Fargo discontinued " Home Equity Loans '' in XXXX of 2015??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: RESIDENTIAL WHOLESALE MORTGAGE
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX, XXXX # XXXX & XXXX. Cost me a purchase transaction as he was telling my borrower he had to cross qualify with his lender. My borrower refused and had a pre-approval letter from Residential Wholesale Mortgage , Inc & XXXX. This is a violation of the Privacy Act and the CFPB takes this very seriously. The lender XXXX XXXX at XXXX XXXX would not accept our pre-approval letter. This cost me time and money and we are still looking for a home. 

XXXX XXXX XXXX, XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
I went to cash my payroll check at XXXX and it was declined they said because of what was reported by Certegy Check Services. I contacted Certegy and got a report the report only states the transaction fell out of the guidelines when I called them to get more clarification they said they use a system and because of that system my check was an at risk check, but they could not give me any specific guidelines as to why. XXXX should not be using a company that will decline people payroll checks because of some system they use that will not disclose why. That company should not reporting anything if they can not disclose specifics that is unfair and unethical.

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 2015-05-12
Company: Accelerated Financial Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is accelerated financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: Northland Group Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called my number asking for someone who does not live here. Both my husband and myself have told them that this person is not at this number and they have said they will take us off their call list, but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Diversified Recovery Bureau LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm constantly getting calls from these companies concerning a debt collection. I 've spoken with them previously and acknowledge the account even though I was half sleep after working. I 'm unable to live due to calls from them everyday all day. I 've even tried blocking their number but the robot caller just picks it up and leave messages that can be retrieved / played by anyone that uses my phone. They state that they 've sent letters to me which I 've never received and could be a lie because I check my postal box very day and read every mail that comes. I 'm having a hard time focusing on work and my children due to them threatening me to sue me over accounts I tried to keep active with the original creditor but they would n't listen or acknowledge the hard time I 'm going through due to having a baby, being separated from my children 's father, losing a close sister that was very young to death and other problems that comes along when you think your doing good and being honest to keep a good credit score to have a home for your children. Right now I 'm homeless as of XXXX XXXX, 2017 due to land lord not renewing my lease.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am resubmitting a complaint to chexsystems because in their response they refused to remove the fraudulent inquiries that have appeared on my chexsystems file due to my police report date not being close to the new fraudulent inquiries. I have filed another police report listing XXXX and XXXX. I have not received the letter they stated they sent with the new report. I have yet to see what is on my Chexsystems file but the only inquiries that should be listed are XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Any other inquiry on my file is fraudulent. I also never requested for a fraud alert on my XXXX file. They mentioned that I can dispute through them XXXX to remove the fraud alert on my consumer risk file XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is improperly sharing my report and improperly allowing people to open accounts in my name despite me placing a fraud report on my account and doing as they asked which is provide a notarized statement saying the inquiries are unauthorized. They refuse to remove the inquiries.

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 2016-10-06
Company: Alliance One, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
company has stated they will remove account from credit report, they have not done so yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18
Company: BMW Financial Services NA, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
We purchased a CPO BMW from XXXX XXXX XXXX. Since then my vehicle has been in and out of the service department at least 9 times since XXXX of this year. I was told it was a gas tank that was replaced the first time after I was told that there was not even one tank in the world but keep driving on it although it was burning gas. BMW Corp office contacted me after I emailed everyone I could locate and offered me a XXXX customer loyalty check. After I accepted the check and believed my car to be repaired, I received an email that my vehicle gas tank had arrived to the service department. Via email I questioned BMW because my engine light came on and I received the email, that the part had arrived after I was told and only signed under the impression that it was on. The XXXX XXXX the contact said it was an error but within a couple of months the tank was again replaced due to the engine lights. I was not able to work my husband was XXXX with the military and now we are falling behind in paying the vehicle whose light has come on and serviced 6 times since XXXX. They will not take back the vehicle and are now giving us a hard time telling us to trade it in, but if you trade it in they can read the key and see all the repairs and they are now saying it 's worth XXXX less than what I owe. Please help resolve this. The vehicle is not safe we have corporates for months and the lights keep coming on and it is affecting my job and now I am falling behind. I have emails and service records to document this on going battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit file and I realized XXXX XXXX was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from XXXX XXXX and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have paid all Alliance One debts in full. This company is state ran and in no way do they want to let the debtor off the hook. I set up a payment plan ten years ago paying XXXX per month. Ten years later I 'm notified my balance is XXXX but the start ball was XXXX? After ten years payments well then I 'm told that the payment plan set up by alliance one was not even covering the intrest so my balance grew each month for ten years!!!! I have tried to settle this debt with no luck. Last month I paid almost XXXX to remove these derogatory remarks from my credit history. Almost a month later nothing has been removed. Please help me fix this bad debt collector from my credit. I always pay on time and always take responsibility for my debts. I am XXXX wanting to buy my first home. I have almost XXXX in cash but because of these bad remarks no lender will touch me. Help please I want to give my family a home. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Medical Data Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical Data Systems Inc. reported a collection account that was previously paid. I called the company at XXXX. I spoke with someone named XXXX, but she refused to disclose her identity beyond her first name. I was directed to XXXX XXXX, the manager. He refused to give me any sort of straight answer while I was speaking with him over the phone. I asked him about the status of the account, but he was unwilling to answer why the account was still listed as open despite the debt having been paid. I requested an account statement or a statement of XXXX balance, but he told me that he was going to give me the phone number of the legal department or hang up. He started counting from 1 to 3, then proceeded to hang up. There was no legal reason for him to have hung up the phone. I retained a copy of the call recording. I was polite, courteous, and professional with him. He was yelling at me while we were speaking. He refused to address the problem. After he hung up, I called back and left a message on his voicemail informing him that I would be filing a complaint here. I have not heard back from his office.

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