BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-29
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Indymac bank which was bought by Onewest Bank Reo, LLC, my house entered in foreclosure in 2009, I received a offer from the bank to make 3 payments, after the last one we agreed to set a permanent modification, I made the on time payments by they returned my last one and I was told that they just change their maid despite that we had a signed agreement, after that unfair situation I keep trying to obtain a loan modification and they asked for documents that I sent accordingly, most of the times they responded that they did not received them, despite that we sent them by certified mail. In the foreclosure court their argument was that I did not qualify for modification but they never provided me with that information or the reasons for their denial, but the National Mortgage Settlement reinforces obligations on Onewest Bank Reo , Llc., to follow the HAMP guidelines, and in my case those guidelines never were followed, my house still in foreclosure and the bank did not submitted any information that justify my modification denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Mercedes Benz Financial Services
State: FL
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 sent a request to XXXX to remove Mercedes-Benz Financial Services USA LLC because of identity theft. XXXX sent me a letter stating they did a reinvestigation and verified my information with Mercedes Benz Financial Services USA LLC ( MBFS ). XXXX did not remove the information as required by 15 USC 1681c-2 ( a ). XXXX violated my rights by contacting MBFS for a reinvestigation pursuant to 15 USC 1681d ( 4 ) and 15 USC 1681i ( 5 ) ( A ). 
I have filed an Identity Theft Affidavit with the XXXX website and do not understand why XXXX would contact MBFS with my information ( ssn, birth certificate ) and other PII, when MBFS is the company that did Identity theft. MBFS gave my personal identifiable information ( PII ) to a third-party company who stole the vehicle from my home, which is the reason ID theft was filed against them. 
In addition to identity theft, MBFS has sold the alleged debt to a company called XXXX XXXX XXXX with reference number ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, XXXX, I financed a used XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. The cost of the car after negotiation was {$25000.00} ; I put down {$10000.00} which brought the car down to {$XXXX XXXX. The payments of {$340.00} for 48 months began of XXXX XXXX, XXXX with the final payment due on XXXX XXXX, XXXX. After receiving a solicitation from Pentagon Federal Credit Union for a refinance rate of 1.99 % I decided to take the promotion. I contacted PenFed and was told that they would payoff the loan for {$6900.00}. I received the check from of {$6900.00} from PenFed and endorsed it over to a loan officer at XXXX XXXX XXXX XXXX. Communication with a loan officer at PenFed was that the the new loan would be about {$200.00} maybe a little more for 24 months. I agreed to this loan amount and faxed an aceptance back. I never received any documents but received a coupon book and through an oversight on my part began making payments. It was not until I completed making 36 monthly payments that I realized I had been scammed. I could not locate any loan agreements and promptly notified PenFed. This is where my experience began with PenFed and my letter of XXXX XXXX, XXXX supports my actions. Instead of PenFed taking responsibility for this practice It escalated with fraudulent documents, checks and unbelievable deception. I have attached all communication, from me to PenFed and from PenFed to me. PenFed claims that I financed {$15000.00} with the XXXX XXXX XXXX XXXX, I then turned around and financed {$16000.00} with PenFed for the same XXXX XXXX XXXX. PenFed claims that a check for {$9200.00} was issued to me and placed into a share draft account. PenFed then states that the {$9200.00} was used to payoff the mercedes. PenFed then claims that XXXX and XXXX XXXX was issued a check for {$11000.00} and produced a promissory note to go with the others that were created. PenFed claims that the {$11000.00} was used to payoff a XXXX XXXX. This XXXX belongs to XXXX XXXX and was paid off in XXXX. PenFed trips themselves up by claiming that the {$11000.00} and the {$9200.00} XXXX went to payoff the XXXX XXXX. The payoff notices from XXXX of XXXX XXXX, XXXX and follow-up on XXXX XXXX, XXXX proves beyond a shadow of a doubt that XXXX and XXXX XXXX have been defrauded and scammed. In my complaint of XXXX we did not have these documents. These documents from XXXX Bank clearly refutes any claim that PenFed could possibly make. Since my complaint XXXX others have been found who have had similar experiences. None of their experiences are as blatant as the experience of XXXX and XXXX XXXX. I will give PenFed the opportunity to satisfy my damages in an expedited time-frame. All supporting documents have been attached. Thank you. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Other

Complaint:
I opened a XXXX credit card with American Express in 2016. After about three months of use, the number was stolen and used for a fraudulent transaction. I called in and asked for a new card number to be issued. AMEX chose to close that account completely and issue a new card with a hard pull on my credit. XXXX XXXX accounts now reflect on my credit report ( XXXX notated as closed by consumer after only three months and at the consumer 's request ). This is not correct. The XXXX AMEX XXXX accounts on the credit reports should be merged so that age of credit history is not dinged by the average of XXXX new accounts. I only authorised the opening and hard pull of the original account and never closure of the original account or opening of a XXXX. Please correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Continental Finance Company, LLC
State: DE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Dear Consumer Financial Protection Bureau, cc : FTC This company canceled my credit card for no reason. They then continued to bill me fees on a closed account. Also, unknown to me at the time, added these bogus fees to my credit report. I paid their bogus and illegal charges and had it removed from my credit file. Today I receive yet another bill from Continental Finance ( Verve Card ) which includes more fees and interest charges from a card they closed and I verbally called to make sure it was closed after their last illegal stint. This is a nightmare! I do NOT owe this company anything. I cut up the card months ago after it was initially closed. This company is defrauding consumers and needs to be held accountable for these illegal business practices.

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 2016-06-18
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Disclosure verification of debt : Did not receive notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Resurgent Capital Services L.P.
State: MD
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:
This debt collector company is continuing to attempt to collect on an installment loan that I had through XXXX XXXX and paid off completely. They have also reported adverse information to all XXXX credit agencies, and illegally obtained a copy of my credit report, which has had an extreme negative impact to my credit report and score. This action on their behalf is now interfering with my job and my XXXX. I could possibly lose my job and my XXXX due to this agencies reckless collection practices. I have disputed this claim with the debt collector and collection agencies, however, the company still continues to verify that their information is accurate which it is not. They are trying to collect on a five year installment loan that I paid each month on time for the entire duration of the loan. " This was paid in full ''. I do not owe neither XXXX nor XXXX anything, however, they continue to report false information. I have provided them with copies of my credit report that shows I paid XXXX XXXX for 5 years on time, yet XXXX still continues to attempt collection practices. 

I have attached XXXX documents from my credit reports. XXXX is from the Collection agency that continues to report negatively even as recent as last month and the other is from XXXX XXXX which reports that this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. It also shows that it was a five year installment loan and was paid with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a phone call from XXXX XXXX XXXX this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for LVNV funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
# CitizensBank is stealing money from customers. {$2200.00} went missing from my account without any trace of the money. I posted this topic early on XXXX and it has happened to a few people. People are sharing my incident & will be closing their bank accounts. The people from Citizens Bank were very rude, and none helpful. Citizens Bank will be the next XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
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 have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

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 2016-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
Credit card offer online showed XXXX bonus points for spending {$25.00} or so, for about XXXX different purchases before a certain date. We tried signing up for the service online and it has come time for the bonus points to show and it looks like it has not worked. Yet I spent well beyond the bonus requirements. The online system for signing up for the bonus was not effective in working with my submission and success in meeting the requirements.

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 2017-01-13
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I saw an ad and inquired about lowering my mortgage loan interest. I clicked to a website and entered my phone number. I received a call back immediately from a " banker '' representing Loan Depot. During the informational phone call, the employee looked up the neighborhood and stated the values were lower than I was stating my home value should be. He checked a few other sites and found a variety of values. He talked me in to going ahead with the appraisal. I would not give approval until I spoke with my husband. I did call back and asked specifically what would happen if the values came in too low. He insisted they work with plenty of lenders and could find a program. To entice me more, they dropped the cost of the appraisal from {$420.00} to {$300.00}. The appraisal was done, on my dime, and came in {$25000.00} lower than a previous appraisal from 8 years ago. I was stunned. The company is now trying to get us to pay them {$20000.00} down to cover the equity and continue the loan. I am demanding from them my appraisal cost back on these grounds : They are the industry experts, when they pulled up a neighborhood whose prices were in turmoil I feel they should have strongly advised against trying a refi at that time ; also-they hid the fact that this FHA loan required certain home features which would have been an issue even had the value come in as hoped ; finally, I feel they are a predatory lender who will do anything to charge the thousands of dollars they collect for providing the service. They even reduced the amount they would charge me by approximately {$1500.00} when I kept questioning them and being resistant to the extra fees and charges. As a homeowner, I would have no way of knowing my exact value. As I stated before, they are in the industry and should better understand the process. With housing in the state it is, homeowners should not be pushed in to paying for an appraisal which is really just a gamble for the bank to make a few extra bucks to file paperwork. I would have NEVER taken this gamble, I would have been better served being told the truth. I should have been told to wait until the area stabilized and had recent sales. Telling me they can still do a loan at the original terms, but only if I come up with an additional {$20000.00} for equity, is an example of an over-promise and under deliver. I was duped by Loan Depot, and feel this company exemplifies the predatory lending label. They will do anything to try to make their few grand a customer. As I write this, I am waiting for the manager to return my two unanswered phone messages where I stated these exact complaints to her and demanded they return my appraisal fees. They had no problem calling me 5 times a day to get my financial paperwork in, but have gone 2 days and 2 messages without a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I paid debt to XXXX. On XXXX the XXXX and XXXX, respectively, XXXX hired Diversified Consultants, Inc. and XXXX XXXX , XXXX to collect a debt I have already paid directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and my XXXX year old mother.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I called usaa consumer credit for a personal loan, due to impending monies coming in to me in possibly 2 weeks and told the loan consultant the facts, so she submitted the application as I said wait simultaneously. I told her I was just checking things out and the hard application was denied. She then called the back office to see if it would be retrieved back and the answer from the back room, was no. 
I contacted the credit companyXXXX, they told me that the bank has to delete it that I could not dispute this credit entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX I was approved for my first credit card with USAA. Shortly after, I was laid off from my position as a XXXX. I could n't find another job, so I could n't pay my rent. My fianc and I moved in with my parents. USAA sent my debt to a collection agency. In XXXX XXXX I moved to XXXX with help from the XXXX. I was technically a homeless veteran, so they paid the deposit to get my fianc and I in an apartment. I found a job with a temp company and applied for XXXX benefits through the Veterans Affairs. I was advised to do by the XXXX. On XXXX/XXXX/XXXX, I was rated XXXX by the VA. On XXXX/XXXX/XXXX I paid the collection agency holding my debt with USAA {$1700.00} with my new military XXXX income. That {$1700.00} is the " Settlement Amount ''. Thats what I agreed to and there was never any mention of any remaining balance. Since I made the settlement payment I have n't received any correspondence at all, or notice of any remaining balance. This account does n't even exist according to my USAA profile. In fact, USAA required me to pay the debt collection agency before I could obtain my car insurance back with them. The fact that I have car insurance with USAA now is proof that I have satisfied this debt with USAA. I recently found out about this while they were helping me with an unrelated matter. Two times I tried calling them for information and both times the department that I need to speak to is conveniently unreachable after waiting on hold for an hour. On XXXX/XXXX/XXXX I found out this account has been reported to all XXXX credit bureaus for the past year or so, and I never even knew it existed. If I did, I would 've paid it. I 've been wondering why my credit score refuses to go up. My fianc and I have been going without to pay our debts with the sole intention of increasing our credit scores. We want to buy a home and start our family. I do n't believe I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
1. Electronic Payments status is complete but the funds are not subtracted from the current balance creating an account out of balance condition. 
2. Some payments are completely removed from the account ( scheduled payments, completed payments and account details ) while in process resulting in an account out of balance condition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: SC
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 have been disputing items on my credit report for over 2 years. Theres information on my my report that is fraudulent but XXXX XXXX and Experian continue to report. I have called both companies but they refuse to remove disputed items. None of my reports match. XXXX have no derogatory items on my report however Experian has one and XXXX XXXX has 4 even adding items that shouldnt have been added back to my 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