BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-19
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Mortgage Loan XXXXTo Whom It May Concern : I have submitted settlement offers regarding the above loan to Indymac Mortgage Services five times since XX/XX/XXXX. On XX/XX/XXXX I received a counter offer from Indymac in the amount of {$19000.00}. I agreed to this offer and was in the process of arranging a wire transfer when the account manager, XXXX XXXX stopped returning my calls. I was able to contact XXXX again on XXXX/XXXX/XXXX and was told to resubmit the {$19000.00} offer in writing which I did. I never received a response. 

On XXXX/XXXX/XXXX I received a call from XXXX XXXX informing me that the debt had been discharged and they were now in charge of collection on the account. The account XXXX, XXXX XXXX directed me to submit a settlement offer. I continued to submit documents over an over without a proper response or a settlement conclusion until a call to XXXX XXXX on XXXX/XXXX/XXXX was rerouted to a new collection company called XXXX XXXX XXXX. They informed me that they are now in charge of collection on this account. I resubmitted documents to them several times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX, both of XXXX XXXX XXXX informed me by telephone that the offer was denied, but there was a counter offer of {$120000.00}. When I asked them for proof in writing from Indymac they refused to provide it and told me the full balance was now due. 

I never received anything in writing from Indymac or XXXX XXXX Services that they are in charge of my account. I do not know if this is a legitimate company as they will not share their address or domain. In addition they will not share with me the actual denial letters or counter offers that they claim were generated directly from Indymac. I have spoken to several representatives at Indymac who claim that XXXX XXXX XXXX still services the account and that they have the authority to settle the account on behalf of Indymac. Once again I am not able to reach anyone at XXXX as all of their calls are rerouted to XXXX XXXX XXXX. 

I am requesting that Indymac Mortgage Services contact me in writing with the reasons for each settlement denial, the documents used to make the decisions and the full name, address and contact information for the collection company that is charge of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: R.A.Rogers, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency knowingly reports incorrect the " Date of 1st Delinquency '' of an account that the collector acquired. 
The original creditor was XXXX XXXX. According to the original creditor the " Date of 1st Delinquency '' was XX/XX/XXXX. Therefore the account is not supposed to be on my credit report any longer. 
The original creditor does n't report this account due to age to any of the credit reporting agencies ( CRAs ). 
This collector in fact RE-AGED the account. 
I have disputed the information pertaining to this collection account with all XXXX CRAs. I have disputed " Date of 1st Delinquency ''. Only XXXX " verified '' the information pertaining to this collection account. Other XXXX CRAs promptly removed this account. 
I have multiple full credit reports ( in electronic format ) from all XXXX CRAs that I received between XX/XX/XXXX and XX/XX/XXXX. These reports conveniently show all information pertaining to this XXXX XXXX account. Reports say : " This account is scheduled to continue on record until XX/XX/XXXX '', " Date of 1st Delinquency XX/XX/XXXX '', " Estimated month and year that this item will be removed:XX/XX/XXXX ''. 
" Payment history '' on the reports clearly shows that the account was 30 days past due as of XX/XX/XXXX. 
Again, I have disputed with the CRAs but the collector " verified '' to XXXX. This collection agency knowingly reports false information, which violates FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Today, I learned that my credit card account number had been changed by the issuing bank, Bank of America. I called to find out why and they told me that a vendor I recently used had data stolen, which may have included my former credit card number. For security purposes, they issued a new number. However, they would not tell me who the vendor was. I said that was very unfair to the customer, and they are protecting the vendor at my expense. BOA claimed legal obligations prevented them from revealing the vendor. I 'd like to push back on that by filing this complaint to force them to reveal the vendor. I should have the right to know which vendors ca n't keep their data secure.

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 2016-04-09
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home earlier this year using Pentagon Federal. Escrow signing took place on XX/XX/2016. I received a letter from XXXX today XX/XX/2116 dated XX/XX/2116 letting me know that the ownership of my XXXX lien mortgage had been transferred by Pentagon Federal Credit Union to XXXX. This transfer was effective XX/XX/2116. I never received correspondence from Pentagon Federal or XXXX letting me know that this was going to occur. It was my understanding that I had to be notified 15 days before the transfer became effective.

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 2016-06-02
Company: Continental Finance Company, LLC
State: NH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had applied for a personal loan with A vent and they were taking the money out on different dates and not reporting payments. Then after a letter from a inquirer we did with NH Banking Department. I found they were not licence and stooped paying and now they reported missed payments to the credit bureaus, yet still have n't sent me a contract or sent me any info on the terms we agreed to.

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 2023-03-29
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to XXXX XXXX XXXX on XX/XX/2023 in regards to the inaccurate information the business was reporting. They intern sent me a outdated lease, and some more papers they considered validated the debt. I sent them the paid recipt and email verification. i received a call from a screaming woman stating she was an attorney and et. i explained to her that they bought outdated information that could potentially land hemin court she hung up. I kept asking her her name she kept yelling saying she was an attorney and if I couldnt provide her with a check number then it will stay on my credit. I personally would like to see them in court. I was very intimidated by the threats and offended because in all actuality they are fraud. Conspiracy to hinder the fruits of my labor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have experienced financial difficulty. From the beginning I was in contact with Tower Loan to let them know I was trying to get them paid but I was struggling. From the beginning they were very rude to me. My first attempt to get the past due debt taken care of was going through a debt consolidation company. When I told tower loan this i spoke to XXXX who was the manager at the time and she said she would make a note of it. After that she never called me. I was advised to send my creditors a cease and desist letter to all my creditors so I sent one to tower loan. There was a change over in management and someone showed up at my house about a month after I sent them the cease and desist letter. I found that totally uncalled for. I had n't received a phone call from them in a long time so I did n't understand what gave them the right to show up at my house. That night is when the phone calls started. 10 minutes after the lady left my house XXXX from tower loan in XXXX. I informed her someone had just left my house so there was no reason for her to call me. I told tower loan again that I was going through a debt consolidation program to get them taken care of. They then told me that they had turned my account over to an attorney to start the process to garnish my wages and the only way that would n't happen is if I paid my account current. At this point they were trying to scare me into paying my account current and they were not willing to work any payment arrangement out with me that did n't consist of getting the account current. At this point I was so scared of them garising my wages I contacted a bankruptcy attorney. I ended up retaining XXXX in XXXX mo and I cancelled the debt consolidation. I told tower loan that I was sorry but I was filing bankruptcy. They were agan very rude to me and told me that evendors though I was filing bankruptcy they could still take my belongings that were secured. I let her know I had discussed that withe my attorney and that he was going to take care of it all for me from here on out. She told me that they would fight to get my belongings from me. I again asked them to not call me. She informed me that until they had a case number they would continue to call me. I told her that I was tired of them harassing me even after I sent them a cease and desist letter to tell them to not contact me and she said they would still call me. This has continued long enough and I am tired of them treating me like dirt and calling me daily when they know what is going on. I am filing bankruptcy and they attorney has been retained. I do n't feel like there is anything else to say to them but I ca n't get them to stop calling me and harassing me. I have asked them several times and they refuse to quit calling me

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 2016-09-13
Company: BROKER SOLUTIONS, INC.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We were the seller of a house located in XXXX XXXX TX. The loan company, New American Funding Inc., for the buyer of the home delayed the closing 3 times, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 finally closing on XXXX/XXXX/16 without a valid contract and not providing an addendum to close the sale on XXXX/XXXX/16. The Lender received the appraisal 5 days before closing and failed to notify the broker or seller that the appraiser had noted a safety issue that needed to be addressed before he would sign off on the appraisal until XXXX XXXX XXXX the day before closing. This left no time to correct the issue and delayed the closing until XXXX/XXXX/16. We were not provided any addendum with a new closing date and left to hang in the balance from XXXX until XXXX/XXXX/16. This also resulted into the payoff being higher and late fees since they failed to meet there obligations. We understand the mortgage company has a responsibility to the buyer, but proper notification and addendum is still required to be presented to the Seller. The mortgage company assured us they would close before XXXX day and then relayed via a text that they would be closed for XXXX day and it would not close until after the holiday. Total disregard for the seller, unethical and unprofessional behavior given to the seller!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I am a victim of What I now know as a " BUY HERE PAY HERE '' scam. In XXXX, I paid a {$2500.00} down payment in purchase of a XXXX XXXX XXXX car from XXXX. Signed all the documents with the agreement that I 've been financed in house ( Meaning there is no third party financing involved ). I made on time payments of $ XXXX monthly to XXXX as stated in the attached agreement. 
To my surprise MID ATLANTIC FINANCE bought the loan from XXXX without my consent or knowledge. ( This is common practice with MID ATLANTIC FINANCE as I found out in several online complaints ). 
I contacted XXXX and the owner stated " they will receive payments from you for now ''. 
I made payments to Mid Atlantic finance monthly, and still got payment reminders to be sent to XXXX. Very confusing. A couple of late payments were as a result of this inconsistencies. 
However, on XXXX XXXX XXXX, I was in a car wreck and the automobile was no longer drivable. I contacted XXXX and notified the owner of the accident. 
The balance of {$2500.00} cash was paid to an employee of XXXX who usually receives payments. 
I got a call from Mid Atlantic finance about an outstanding pay off amount. I explained to the representative that it was paid to XXXX to which she said it was okay. 
To my surprise, this negative item remains on my credit report as an unpaid balance. 
This is not accurate and is damaging my credit file. I THEREFORE DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT FILE More importantly, the transference of my account to a third party for profit without my consent is a breach of my initial agreement with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Issue: Other

Complaint:
There is a hard credit inquiry on my XXXX credit report from Continental Finance Company of XXXX, DE. I did not authorize that inquiry. I have no accounts with Continental Finance Company of XXXX, DE, and I never applied for any accounts with them. When I attempted to inform them of this error, they told me to " get a police report '' ( they never even asked me my name ). Continental is an unprofessional company. The hard inquiry was made on XXXX XXXX, 2015, exactly one day before I filed for Chapter XXXX bankruptcy. They need to remove that inquiry from my XXXX report ( I have already contacted XXXX regarding this ) posthaste.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: MRS BPO, LLC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello, I obtained a loan over 7 years ago from XXXX who sold the loan. Eventually it went to XXXX who have hired MRS Associates to collect on the debt. The balance has went from XXXX when the note was originally signed to XXXX. I am a mother of XXXX I work part time as XXXX working XXXX hours a week. They refuse to make a payment arrangement base on my income to assist with paying off the debt. Since the interest is so astronomical it will never be paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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:
This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016 I bought a e-cig tank from an online merchant XXXX XXXX for {$32.00}. I used my Visa Debit card from Arvest Bank. The tank turned out to be defective. XXXX refused to take it back or issue a refund so, I contacted ( called the XXXX number ) Arvest about doing a chargeback. I then received a letter from Arvest cancelling the chargeback. No explanation was given. So, I called Arvest again and was told to return the item back to XXXX and get proof of the return ; send the info to Arvest and they would initiate a chargeback. I did that ; sent a copy of the USPS delivery confirmation AND signature of receipt to Arvest and was told that I would have my refund in 10 business days. This was on XXXX XXXX. After waiting 10 business days and seeing no refund I again called Arvest and was told it takes 30 days and that the merchant was disputing the chargeback. After waiting 30 days and still no refund, I again called Arvest and was told it takes 60 days. 

In the meantime, I contacted the Washington State Attorney General 's Office ( because XXXX is in Washington ) and they said they would see what they could do to get my money back. Yesterday, XXXX XXXX I received an email from the Attorney General 's office and XXXX told them that 1 ) my money had already been removed from their account as of XXXX XXXX, 2016 ; 2 ) Arvest told them in the chargeback paperwork that they were not going to refund my money and 3 ) they were not disputing the chargeback. 

So, once again I called Arvest and the girl who answered the phone said she would look into it and then the phone line went dead & I had a dial tone. So I called back and was told that she was on another line and would call me back. Well, obviously that never happened. 

I just want my {$32.00} back at this point. 

I am # 1 ) sick and tired of having to call the XXXX number and NEVER getting to actually speak to anyone in the dispute department. I am not even sure at this point that there is a dispute department. They do not speak to me on the phone ; they do not return my phone calls ; nor do they answer my letters. I even complained by letter to Arvest 's customer service and no reply from them either. # 2 ) I am tired of being told a different story every time I call and ask about this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Resurgent Capital Services L.P.
State: NE
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:
I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with XXXX XXXX XXXX, I disputed it with them as well, then they " sold '' my account to LVNV Funding, Or Sherman XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
TRANSUNION IS REPORTING WRONG INFO ABOUT ME. 

Please help me remove these inaccurate items off my credit report I reached out to all three credit bureaus and still have not had any assistance all. negative item listed below needs to be removed. 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
email stateing that im responsible for payi g owed amount in full when i am not responsible for these charges i was XXXX in county XXXX. While these charges took place upon my release i started reciveing theae emails saying i owed over {$3900.00} i am not responsible my debit card was stolen while i was i 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