BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: Ditech Financial LLC
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am having trouble with my mortgage servicing agent which is now with Ditech. It has also been with Greentree and XXXX. The original mortgage was completed on XX/XX/XXXX. I got behind in payments in XX/XX/XXXX. In XX/XX/XXXX, I sent a payment of {$3500.00} in the form of a XXXX XXXX wire. The exact amount I was told to pay. I even called the morning of the payment to confirm that was the right amount. Approximately 2 weeks later, the money was sent back to me along with a letter stating that I paid {$400.00} to little and that we could no longer accept payments to this account and that I would sent into foreclosure if I could not pay another {$6800.00}. I 'm not sure why. I was willing to make payments, but was told by XXXX to stop making them. By XX/XX/XXXX the total to reinstate my loan was {$17000.00}. In fact they refused to accept any more funds unless it was the full amount. This included charges that were well above the {$1000.00} maximum fee as per Montana state law. I have been working with XXXX, Greentree, and XXXX XXXX services along with an attorney over the last 5 years trying to get some answers. I do n't understand what my options are and no one can explain them to me. My home is worth approximately {$320000.00}. My last statement is demanding a payment of {$470000.00} or else the house will be auctioned on XX/XX/XXXX. On Ditech website my account says I have to pay {$130000.00} to get current which puts the total over $ XXXX. So which is it? The original loan amount was {$370000.00}. I understand the house has lost value. I have spent more than {$11000.00} in attorney fees and I just spent another {$4100.00} with XXXX XXXX XXXX who claimed they could help me. I have been scammed by XXXX and am running out of time. This has ruined my credit and put me in a 4 1/2 year long financial lock down, not knowing what to do. I have made many calls with no response to Ditech. I have to the phone number and agent I am supposed to talk to XXXX XXXX but have gotten no response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  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 2021-03-03
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Robinhood Financial manages a XXXX XXXX debit card issued by XXXX XXXX I notified XXXX at XXXX XXXX on XX/XX/21 of unauthorized transactions on the card account. They do not have phone support and only accept correspondence by email/in-app assistance and written mail. 

After sending an email through their app, Robinhood should have completed investigation by the XXXX ( making allowance for the bank holiday on the XXXX ). They failed to issue the credit by the XXXX business day, and placed a complete block on my account and card, while requesting a copy of my passport on XX/XX/XXXX to aid in their investigation. 

Robinhood then denied my dispute on the XXXX once I uploaded the passport document. Their error resolution notice did not include my right to receive documents used in their investigation. I notified the company its error resolution notice was deficient, and they sent a new notice offering documents used. 

I sent a letter and requested documents used. The company refused to provide this, with a member of its escalations team writing that " [ my ] case was escalated for an additional level of review ... '' and most importantly that " due to regulatory concerns, and for the security and protection Robinhood accounts, we're unable to share any information with you about the outcome or process of our investigation. '' It is ironic that they are required by law and regulation to have credited me and agreed to provide these details, and are using some fictitious regulatory barrier to disregard my Regulation E rights. I will forward a copy to FDIC for complaint adjudication as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I SEND A REQUEST TO EXPERIAN FOR A COPY OF MY CREDIT REPORT, THIS IS THE BUREAU I HAVE CHECKED FOR ANY INACCURATE INFORMATION THE FEWEST TIMES. AFTER REVIEWING MY CREDIT REPORT I NOTICED AND ACCOUNT ON MY REPORT UNDER THE NAME "XXXX" I HAVE NO IDEA WHAT THIS COMPANY DOES, NOR HAVE I EVER HAD AN ACCOUNT OR DONE BUSINESS WITH THEM.  IT IS LISTED AS A BUSINESS ACCOUNT, WHICH IS STRANGE BECAUSE I HAVE NEVER BEEN A BUSINESS OWNER.  I DISPUTING THE ACCOUNT, THINKING IT WAS A MIX UP AND WOULD BE REMOVED. I RECEIVED THE RESULTS OF MY DISPUTE TODAY. WITH THE ANSWER BEING "ACCOUNT REMAINS" I CALLED EXPERIAN  IMMEDIATELY AFTER SEEING THIS, AND ASKED THEM WHAT KIND OF INFORMATION DID THIS COMPANY PROVIDE THEM TO VERIFY THIS WAS MY ACCOUNT, THE ANSWER I RECEIVED WAS, WE CALLED AND THEY SAID IT WAS YOUR ACCOUNT?"  I FEEL LIKE EXPERIAN WAS LAZY, AND DID NOT COMPLETE ANY TYPE OF INVESTIGATION TO VERIFY THIS WAS MY ACCOUNT, THEY COULD NOT EVEN TELL ME THE BUSINESSES NAME THE ACCOUNT WAS SUPPOSEDLY OPENED UNDER! IF YOU COULD PLEASE DO WHAT YOU CAN, FOR EXPERIAN TO INVESTIGATE THIS AND COLLECT SOME KIND OF PROOF BECAUSE THIS IS NOT MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've tried to dispute with credit reporting bureau ( Experian ) on line, there system stops me from logging in. Their online systems wants consumers to apply for {$1.00} free trial, I have an existing account and report number to log into my account. 

the following creditors do not have my account : XXXX XXXX and XXXX XXXX XXXX do not have my account, I have called both companies and they have stated they do n't have my account. these accounts need to be removed. 
XXXX XXXX XXXX that has XXXX account is using fraudulent open dates to keep my account/debt open. I have never opened an account after XXXX. Last date shown being opened is XXXX, I have not reopened or opened an account with XXXX. after 7 years this account should have been removed. In XXXX this account for XXXX should have been removed. Due to XXXX fraudulent tactics this " BAD '' DEBT has appeared on my credit report for over 4 years which resulted in me not obtaining credit, credit cards, automobile loans, housing, employment, and high interest on perscpective loans.

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 2017-02-14
Company: Trident Asset Management, L.L.C.
State: OR
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 have no idea why I have a XXXX debt. I can not find where to contact them to dispute the claim. Can you please help?

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 2016-10-27
Company: Chek Cash, Inc.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
The choice I made for the best description is not valid. I wasnt able to choose anything else. XXXX My complaint is that I spoke to XXXX on XXXX/XXXX/2016 about XXXX I advised XXXX that I had a plumbing issue and I was not able to make payment until XXXX/XXXX/2016. A XXXX representative was advised of my arrangements and spoke to me on a valid number that is listed to my account nevertheless loan express called a reference and/ or skipped traced on my account after speaking with me. THIS IS HARRASSMENT! I have proof that my best friend was contacted by XXXX with the phone number XXXX on her cell number XXXX in attempts to verify location info. There were several calls back to back on XXXX/XXXX/2016. I have proof of these unlawful calls as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE BANK USA Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: STONEGATE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My FHA loan was closed in late XXXX of 2014. I lost my job due to injury prior to the close of escrow. The lender funded and closed the loan anyway. I did not know this was a problem. 
Now, I was looking to do a Streamline Refinance and the current lender tried to help me, but said my FHA loan was not insured. I have never been notified of this until now that i am trying to refinance. I am paying monthly MIP, but the loan is not insured. Am i entitled to a refund for all those payments? My loan closed with Crossline capital and was transferred to Stonegate Mortgage about a month after we closed. 

.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this debt with an agency representing Santander roughly 2 years ago for exactly XXXX dollars. Now Santander apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: TN
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2015-04-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Shell Credit Card account for decades. The issuer is Citibank. The card was very seldom used, usually on long trips. At some point I believe late XX/XX/XXXX or early XXXX the account number was changed by Citibank and I do n't why. After that point it seems all communication, statements etc., stopped. Not using the card very often it did not come to my attention. In XX/XX/XXXX I used the Shell card to make a purchase in XXXX Ca. for XXXX. I am a person that pays his bills within a day or XXXX of receiving them. Something had happened to cause me to stop receiving statements from Shell/Citibank. Without a statement the purchase went unpaid. I believe that each month Citibank thought I was receiving statements and ignoring them so they added late charges until they closed the account and sent it to collections. Also, they notified the credit reporting agencies, showing a charge off on my report. I discovered all of this when I applied for a credit offer from a retail store. Prior to this point I did receive a letter from the collection agency indicating the charge off from my Shell account. Believing that I had a XXXX balance, I logged into my Shell account on-line and it shows no balance owed. I hought the letter was a fraud scheme. I can still log into the account. I discovered that I am logging into the old account number?? 
The action I have taken : Called the Citibank service center and asked to discuss my bill with the representative, who claimed she could not see the account since it was closed. She told me she would send the statements and I should try to figure out what happened. Really? 
Month later, received statements and discovered the aforementioned information so I called the Citibank service center again to discuss the issue. I was told this time that I would have to write a letter to the CBR Dispute Dept. of Citibank. 
Wrote letter to CBR Dispute Dept. outlining the details and asking for a representative to contact me with a resolution. They have not contacted me after sending additional faxes requesting any type of contact at all. 
After a month of no contact I emailed a letter to the CEO of Shell and the CEO of Citibank detailing the issue and begging for a representative from either company to contact me. 

I am a XXXX retired XXXX XXXX that takes pride in having a pristine credit report and have never paid a bill late. Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Alorica Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a prescription from my XXXX doctor at XXXX. It was approved by Medicare 's XXXX section. I chose XXXX. I had problems getting lots of things from XXXX and finally could on my own.But the one thing I could not get was the XXXX. XXXX in Medicare 's XXXX department helped me. All went well after that. the XXXX and a lot I believe of the XXXX I had. But because of the cost I switched to an XXXX plan. XXXX probably knew long before it said anything to me which was XX/XX/2016. At that time XXXX said if we did n't make arrangement we would start being charged. I quickly called my XXXX plan they agreed to pay XXXX the same amount that Medicare was paying them through he end of the year ( 13 months ). Now I felt comfortable. I waited until I heard back from XXXX, the operators first said do n't worry I do n't owe anything, second said you only owe {$500.00}, then Phone call saying the machine must be returned or I will start being charged, then a XXXX showed up NO ADVANCE NOTICE, NO PAPERWORK! and two more times he said they always do this. I thought about even the older Medicare patients using Medicare, just doing what they are told. XXXX has paperwork for something cost {$6.00} but some of these machines cost {$4000.00}! Anyhow I returned it myself. They would not take it up front, only in the back, I noticed right next to a XXXX office Any employee could run a scam. Well after dropping it off I had to go back up front to sign. He pointed where to sign, I did not, I wrote right above. I covered the entire page saying that XXXX was not willing to work with my medical insurance co.. 
Then I started getting bills. The first for " new patient '' for a {$1000.00}. and that went on at the same time as they tried to get additional personnel informational. I kept on saying I will not give personnel information over the phone- request it on company letterhead and I will answer it. They never did. I would get calls asking for calls with my middle name, and just like for anyone I would ask what did you want if I did n't recognize the voice. Then I got this letter saying if I did respond within 30 days of receiving it then I accept the amount owed. Well the XXXX happens to be a Sunday and they are closed. Trying to get a letter there over night at XXXX no. so I figure the best way was to tell you, the government, that they are and have been using scare tactics on me since XXXX with all the health issues I have ; all you have to do is ask me to print them out and you can see. I am not making this up. I 'll call XXXX on Monday, and different people if need be. Thank you so much for taking the time to read this and even if you ca n't do anything I understand There always is XXXX and XXXX. Company doing collection for XXXX now GLOBAL RECEIVABLES SOLUTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2016 verizon sold me faulty phones and the service was not working we returned the items and proceeded to cancel and in doing so they had agreed to let us out of our contract but instead put us into collections illegally. They then sold that debt to jefferson capitol who reset the clock on the time the debt had been occurred forwarding the clock a whole year. Because we returned the product and canceled within the 30 day period we dont owe XXXX and they charged us a {$300.00} cancelation fee which is illegal breaking a contract, somehow XXXX is now {$600.00} not sure how thats possible but this fraud and anyways they could not fulfill the contract because they didnt service our area and the phones didnt work because they couldnt provide service when we put our sim card in it said no service. I do not owe any debt to jefferson capitol and they have refused to provide any information proving this debt is even valid, dates, amount ect even after sending them a request for validation. 
Regardless the statue of limitation is 4 years in florida to remain on a credit report which transunion and other credit reporting agencies are in violation of because they refuse to remove this zombie debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions.

Company response to consumer: Closed with explanation