BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-10
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Billing disputes

Complaint:
Shell credit card informs me that I have an unpaid charge from XXXX XXXX 2015 on XXXX XXXX of 2015. Talked to a XXXX in Tennessee at XXXX Mountain time on XXXX XXXX, told me that there was no record of this charge. I thought that it was a scam and put it aside for the time being. Received XXXX bill and had a charge on it for {$30.00} ( XXXX XXXX, 2015 ). Called Shell and asked that this charge be disputed and asked that they send me proof of this charge. Shell agreed. Tried to use card on the XXXX of XXXX and was denied. Called Shell the XXXX of XXXX and was told since I did not pay my bill on the XXXX of XXXX that card could not be used. Essentially denying me use of the card because of a charge that was, what I thought, in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan that has been purchased by Ditech. I recently received an escrow analysis that projected that my escrow for taxes and insurance will have a shortage. The have added XXXX of the false shortage to my monthly mayment. For 19 years there has never been a shortage and I have received a refund on my escrow account a couple of times due to their incorrect analysis. As long as I make timely payment, there will never be a shortage in the escrow during the next 12 months. 
Ditech has projected a shortage in the amount of " cushion '' they want in my escrow account. I understand that Ditech may keep require a cushion equal to XXXX of the total amount of items paid on a yearly basis. However, Ditech has purposely created a false date for payment of my taxes for purposes of creating a " cushion '' shortage. Specifically, my taxes are due in XXXX. Ditech has confirmed that my taxes are due in XXXX and have been paid in XXXX for the life of the loan. However, Ditech has imposed a false date of a " Projected '' tax payment in XXXX. This false projection date has been created to develop a " cushion '' shortage of less than the XXXX cushion allowed by RESPA. This allows Ditech to collect additional money for my escrow account that will never be needed, and exceeds the XXXX cushion allowed by law. I am confident this false " Projection of payments '' analysis is not isolated and is imposed upon all consumers of who have loans with Ditech who pay escrows to cover taxes and insurance, through a Ditech escrow. This allows Ditech to acquire millions in dollars in interest on escrow accounts that are not required or permitted by RESPA. RESPA has imposed limits on escrow funding to prevent this abuse. Please investigate this complaint on behalf of my account and others similarly being financially abused by Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: ZENCO COLLECTION, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXX XXXX, 2016, I received a call from Zenco Collects at XXXX. He stated that I owed money and he was calling to collect. I told him that I was working in the field and I would call him back. He said no, I was n't taking him seriously, He said that he had our vehicle licenses and if I did not pay he would be issuing a warrant for our arrest. I stated that I needed to call my wife, he started yelling and said no, I had to pay up now or he would be garnishing my wages, and he would also be contacting the IRS and have my income tax return for the next 5 years. They said that they would be seizing our vehicles and other property. I panicked and at first agreed to pay, when I talked with my wife she stated that what they did was illegal and that number is associated to a scam. I called back and told XXXX XXXX not to take any money out of my account. I have no idea if that if this a valid debt or not, but this well exceeds the statue of limitations in the state of Texas.

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 2016-11-03
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are XXXX collections from this collector. The lesser XXXX is for {$540.00}. I paid this debt and asked if I could make payments on the other. They never withdrew payments towards the other, and now both debts are back on my credit report as new debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NJ
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:
I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Eagle Home Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
With our move to California we purchased a new home using the mortgage arm of the builder Universal Home Mortgage. Before we signed a contract with the builder we made sure everyone knew our closing expectations. We had a tight deadline to be out of corporate housing and it was communicated to all parties engaged. While our loan was not a standard vanilla file, most of the documentation had to be sent XXXX or XXXX times. In many cases I would forward the prior emails attaching the documentation needed. When it came down to closing they still hand not heard from the investor so they proceeded with self funding but before they would agree to do that, they had us sign a Cooperation Letter basically stating that we would cooperate with them after the closing on any documentation needed. Once we closed on the property the list of requests started to increase, they wanted checking and investment account statements for post closing, asked for additional letters of verification from my XXXX account and then stated that some of the documentation I provided was screen copies versus actual statements ( which was totally inaccurate ). I resent all the documentation they asked for again while receiving emails asking for status of the outstanding data. The builder side of the equation was fantastic, they made our home buying experience great. The President of the building division called and allowed me to walk through the challenges we had. He suggested I send the information to UAMC 's President ( which I did, but have never received a call or email back ). The more I questioned their processors it seemed the more documentation they would ask for me to supply. Today I sent them the last piece of documentation I was waiting for from XXXX. I am hoping that I can now consider this chapter in our lives closed, but hope and pray that no one else goes through the nightmare that I went through. Multiple copies of the same information, being told what I sent was not really what I sent and questioning every aspect of the documentation. I could see someone losing XXXX or XXXX pieces of data, but almost everything had to be sent at minimum XXXX and more like XXXX times to them. Their phone interaction was short and abrupt, customer service was not their strong point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX collection agencies collecting the same debt. Collection agency refused to take partial payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Ditech Financial LLC
State: KY
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continued calls after I verified I am not the XXXX XXXX that owes Ditech Financial LLC, formerly Greentree Financial Services, nor am I affiliated with XXXX XXXX or any property at XXXX XXXX, Ky. There have been calls daily up until after XXXX and throughout the day on my cell which I use for my business. There are multiple numbers in which the calls come from out of Texas, but the number in which to return the calls remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/22 Experian alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXX Credit Card, Also on XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to Experian to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. Experian says My Information is in the Dark Web. I Want Them Stopped Please! Thank the Lord these people have not gotten Money, that I know of right now.

I have been in touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take? 

Thank You for your help, in advance!

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 2016-11-15
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Living in the area of XXXX that flooded, our home took on over 3 feet of water. We lost everything as we also had sewage backup into the house. Due to the large amount of devastation in our area and the fact that we had to vacate the home it took awhile to get our insurance company to inspect the damage. Once we received a check from them we sent the check to Ditech our Mortgage company. Since we are capable of doing the repairs ourselves we asked them to return the overage of approximately {$35000.00} to us. They received the check ( overnight mail ) on XX/XX/XXXX with a letter asking for them to pay off the account. 
I was told on one of the calls that it would take about XXXX working days for this to be done. As of today, 3 weeks later, nothing has been done with the check. I have called numerous times and each time I am given the run around with no real resolution although the people I talk to want to assure me they are doing the best they can. Today I was told the pay off check will be mailed from XXXX to their pay off center in XXXX. tomorrow. 
Why was n't this done 3 weeks ago? If it takes them another 30 days to release funds to us ( which they inform us is possible ) that means we will be out of our home for over 4 months before we can begin repairs so that we can even move back in. The least I expect out of any company is to meet the needs of the customers especially in situations such as what the majority of our neighbors are dealing with. The fact that they have had the check for 3 weeks and nothing has moved forward with it is beyond excuse! We are in great need of a quicker resolution which Ditech does not seem to understand the urgency of our situation. We currently have XXXX people, XXXX adults and XXXX children living in a XXXX bedroom, XXXX bath apartment as this was the only living situation we could find. 
We would greatly appreciate help in getting a quicker resolution to this. Ditech being very vague in giving us a time frame of anything less then 30 days is not helping the mental frame of XXXX lives. 
If you need more information I will gladly assist. 
XXXX and XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Received letter for my mother, who is now XXXX and XXXX, that CapitalOne360 had an account in her name about to be turned over to the State of New Jersey. I am Power of Attorney and have sent Capital One the forms and notarized signature, authorizing me to assume control. My problem is that CapitalOne says I need to talk to the Security Team before I am authorized. Am happy to do this, but they do not answer their phone, they do not call me back. Contacted a manager, XXXX, in Customer Service, and he said he would try to connect me to them. But to no avail. Been on hold with him for 15 minutes now. He finally came back and said he can not get hold of his Security team now to talk with me. I made XXXX simple requests : The Security Team call me and for them to mail an account statement to my mother at her address on record. XXXX basically said he could not guarantee either. Just that he would " make the request ''. I give up. I can not spend an inordinate amount of time while CapitalOne holds the account hostage. Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Ditech Financial LLC
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Green tree has been harrassing me. They call 10x day, called my husband, my mother, my aunt. Green tree has called my business and has disclosed my personal financial information to employees. Green Tree has been abusive in its communications, threatening me and using profanity. I have asked Green Tree to stop calling me and they refused. I am stressed and embarrassed and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NC
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:
The credit bureaus are failing to remove inquiries that are not mine I have already disputed with them even sent in ftc report and they refused to remove them which is negatively effecting my credit report the inquiries are attached below as well as h The ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, I refinanced my mortgage for the unit I have been living in located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. At the time, my mortgage servicing company, Ditech Inc., overpaid my property taxes to the city of XXXX by {$580.00}. Now, the city says that they can not return the over-payment unless Ditech contacts them. Since then, I have contacted Ditech XXXX times they promised to follow-up on that. However, as of XXXX/XXXX/XXXX, according to XXXX XXXX XXXX XXXX Collector 's office, nobody has contacted the city regarding this issue.

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 2016-01-28
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
3 years ago I was unemployed and could n't continue paying my mortgage. I asked the bank for assistance at the time it was Green Tree. They approved me for a loan modification in XXXX 2015. I gave my bank information for all three trial period payments to be automatically withdrawn. I was told to call back XX/XX/2015 if I had n't received the final loan modification agreement. I called and instead of a final loan modification agreement I was notified that they had n't processed any of the payments and my case had been closed. They did internal investigation and determined it had been a mistake on their side and told me to submit the application again. The bank then became Ditech and everything was a disaster after that. I got a letter dated XXXX XXXX, 2015 stating they had a complete package and the file was under review awaiting a decision. 2 weeks later I called to find out why it was taking so long to make a decision, to my horror I was told that my property had been sold on XXXX XXXX, 2015 and that for that reason they had to close the loan modification case. I was NEVER notified of any foreclosure proceedings and EVEN LESS of any sale date. I have called so many times and keep being transferred from department to department and no one can explain how the property was sold without them knowing or notifying me. On XXXX XXXX I called again and was told from now on I need to contact Fannie Mae instead. I did and was told they will start an investigation but representative basically told me to just ask the listing agent they have assigned to my property to beg her for cash for keys. I do n't want to do that. I have been trying for years to reach an agreement with the bank so I can bring my loan up to date and keep being denied even though I know for a fact I qualify for a loan modification. Please help me. I do n't know what else to do. They just refuse to help me and XXXX knows I did not default on my loan because of negligence on my part. I am a father and my children will be homeless in this cold winter if they refuse to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: FirstPoint Collection Resources
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from 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
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items 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