BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new vehicle in XXXX with financing through Navy Federal Credit Union. 

My final payment was due on XX/XX/XXXX in the amount of {$610.00}. 

I made the final payment on XX/XX/XXXX. With the added interest the final amount was {$610.00}. 

On XX/XX/XXXX my account information online showed a {$0.00} balance with nothing due. 

On XX/XX/XXXX Navy Federal added an account adjustment and increased my balance to {$28.00} with a due date of XXXX/XXXX/XXXX. 

On XX/XX/XXXX my XX/XX/XXXX auto loan statement was also issued. It showed my payment from XX/XX/XXXX with a {$0.00} past due amount. But it also showed that I still had a {$29.00} balance plus an additional {$29.00} late fee. Neither item was listed as past due on my XX/XX/XXXX statement. 

I attempted to pay whatever amount was owed on my account on XX/XX/XXXX ( 10 Days days after receiving my statement ) but when I logged into my online account all charges had been adjusted/ removed and the balance was {$0.00} again and it did not let me pay. 

I assumed the account was paid then and in good standing. On XX/XX/XXXX I was notified that my auto loan account was reported 30 days late to the credit reporting agencies. Additionally I received a letter on XX/XX/XXXX stating that my account was in default for the amount of {$29.00} and could be repossessed. 

I have contacted Navy Federal in writing via secure message and by phone and told that my account is at {$0.00} balance and paid off in full and that no further payment is needed. When I asked about the 30 days late payment history reporting and the information based on the statement I was told that " It is something I have to work out with the Credit Agencies and that they have nothing to do with it ''.

Navy Federal is reporting me 30 days late for an amount they notified me of on XX/XX/XXXX. At the same time the system does not even let me pay anything since it shows a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
These are my deposits to my card from XXXX but Bank of America says my card is closed. 
XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX Rmp, Llc placed a collection account for the amount of {$110.00} with a XXXX as well as XXXX and XXXX. Stating the original creditor was emergency specialist B. I have received a XXXX insurance benefit since XXXX due to a total and permanent XXXX. Both my medicare and medicaid insurance premiums cover 100 % of the cost attributed to emergency services. I have disputed this with XXXX XXXX and XXXX but the account remains. I am not liable for this account as it already has been paid for by insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian, XXXX / XXXX, and XXXX are messing with my scores, and have erroneously reported a number of things, all affecting my scores, FICO, and otherwise. 

Plus, COVID-19 will likely force us to just give everyine a clean slate or a start over on our credit reports one day, in all fairness. Right?

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 2020-10-15
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I previously had membership with Navy Federal that was closed due to an issue with my membership validation. Now, I have the correct information to show my ability to be a member through my grandfather 's military service. When I called, Navy Federal said there was a security hold on my account. As such, I would need to complete an appeal form and submit it with proof of my grandfather 's service to the security department. I did that. After an initial review, I was told they would need me to send in a form updating my address and proof of my new address/identity in the form of my license and a bank statement. This was not a problem and was promptly sent.

To say that I have been given the runaround from Navy Federal and that their security and customer service are the most incompetent, rude and entitled group of people I have ever dealt with would be an understatement. I have been told my eligibility was confirmed, then I was told more paperwork was needed for eligibility, then I was told it was confirmed again. Then I was told by one rep there was never actually an eligibility issue ( which is why I was told they closed my accounts years ago ) and that I shouldn't have filed an appeal. But the next rep said I was correct to file an appeal. Then I was told the form to update my address would be processed first, then the security department would confirm my documents with the updated address ( i.e. ID/bank statement ). I called multiple times and multiple agents said they put notes so that it would be seen that the updated address needs to be processed first then the documents verified. I just got a message that the documents were rejected because they don't match the old address - because nobody ever updated it and they tried to verify it against the old information like they said they wouldn't. Tonight, when I tried to call the security department AGAIN, agent XXXX told me that they were closed. 

So at this point the bank is denying me an account, won't tell me why, won't confirm my eligibility is established and whether the paperwork submitted is sufficient, did not update my address, caused processing errors by trying to confirm an old address, and failed to explain any of the events logically. That I have to deal with this is appalling. That our military/veterans have to deal with this is disgusting. This is not a credit union, it is an unorganized dumpster. 

Let me be clear, while Navy Federal has been fined previously by the CFPB for their appalling business practices and they have learned nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgagor ( my dad ) passed away, was the only one on the loan and didn't leave a will. My mom appears on some documents as third party. Unfortunately the home is on foreclosure and the mortgage company only gave 30 days to come up with the money of the full debt and/or to speak to them regarding the mortgage. However the current mortgage company won't provide any information as to what are my mom 's options as to paying for the mortgage. I'm the older daughter and I'm trying to get pre-approved to get a mortgage and have begun the process however I need time to be able to complete this process and payoff my mother 's loan. We called the mortgage company to try to get information as to what are our options to transfer the loan to my mom 's name and one rep advised to send a copy of my dad 's death certificate which was sent to them numerous times to for it to be updated to the account so that we may be able to get account info but every time we call we get different answers from reps and most of the time they won't talk to us. They said that they will need a will, executive of estate or order by judge but we can't apply for any of these because this process will take way to long and by that time we may lose the property. My mom lives on a fixed income and can't afford to pay expensive legal fees. We are desperate and don't know what to do. We want to speak to the mortgage or their representatives to let them know that we want to save the property and we are working on getting a pre-approval to payoff the loan with them but they won't speak to us.

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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 previously submitted an FTC and Police report about accounts on my credit reports that do not belong to me.. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VA Home Mortgage in XXXX through Wells Fargo National Association. In XXXX after my divorce, my ex-husband applied for a new VA home loan to take over the mortgage. Wells Fargo refuses to send me a copy of the closing documents we signed in XXXX with closing attorney XXXX XXXX. I have tried to get the closing documents from XXXX XXXX, but he stated, he does not have any copies of the closing documents. 

I have asked Wells Fargo to send me a copy of ALL of my loan documents, I need a copy of the original loan documents in XXXX and the closing documents I signed in XXXX. 

My loan documents were changed and altered after I signed them in XXXX. 

I have NEVER been released from the original loan. 

My ex-husband and I met a the closing attorneys office in XXXX to sign closing documents, but I recently learned, they never issued a new loan. Wells Fargo did an assumption instead, so why did we meet with the closing attorney?

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 2021-02-21
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital system sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to Jefferson Capital System for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Sent a letter to the 3 credit bureaus to remove a debt from Hunter Warfield Inc. off of my credit report and provided supporting documentation. 
XX/XX/XXXX Made a payment in error due to a mistake and trying to clean up credit report to move into an apartment immediately. 
XX/XX/XXXX XXXX and XXXX sent me a letter stating that Hunter Warfield Inc. was deleted from my credit report based off of the letter and supporting documentation I sent to them. 
XX/XX/XXXX I emailed Refund Request for Payment to Hunter Warfield Inc. and provided supporting documentation that the payment was made an error. 
XX/XX/XXXX I faxed Refund Request for Payment to Hunter Warfield Inc. 
XX/XX/XXXX I called for Refund Request for Payment to Hunter Warfield Inc. and requested verification letter. I was informed by the Supervisor that they were waiting on a response from the original company and needed an answer from the client. 
XX/XX/XXXX Hunter Warfield Inc. emailed need me stating " in need of additional time to conduct an investigation. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. " XX/XX/XXXX Hunter Warfield Inc. emailed verification letter. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX Hunter Warfield Inc. emailed need me stating " in need of additional time to conduct an investigation. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. 
XX/XX/XXXX Hunter Warfield has received the resolution to your dispute and we are unable to process a refund due to the fact that you voluntarily paid the account. The deletion from your credit has already been processed and if you have more questions regarding the process, please contact the credit bureaus for further assistance. 
XX/XX/XXXX I informed Hunter Warfield Inc. that I will be contacting a lawyer and the federal trade commission in regards to this matter wrongfully practice.

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 2019-03-25
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We had to go thru XXXX to keep our home due to my unemployment for a few months. Thankfully they paid the full balance on the account ( based on the delinquent amount and statement that was given to us by freedom mortgage ), and we were off to a fresh start the end of XX/XX/2019. The full delinquent amount was given to us by freedom and mortgage as all documents were collected and we went to closing with XXXX and the check was then sent to freedom mortgage to cover everything that was past due. XX/XX/ 2019 freedom mortgage received the check. We were happy to begin a new start and was given our monthly payment which started in XXXX. XXXX comes and we submit that monthly payment. XXXX I actually looked at the statement it was {$8800.00} past due. They claimed we had $ XXXX in negative escrow and they took the money from XXXX and applied it to the negative escrow and leaving us still past due on the Acct, and {$960.00} in late charges! After receiving a check from XXXX, freedom never communicated this negative escrow to us, nor did they instruct us on where the money would go and they never told us we would still be behind on our mortgage! After an hour long phone call today XX/XX/2019, they ( XXXX ) showed no compassion for our situation bc now its showing late or delinquent on my credit report and account not in good standing. The representative only submitted a request to the department that handles these situation and they will get back to them and let us know their response? We asked to speak to a supervisor and was told the supervisor was busy and would have to give us a call later today ... ( no call yet ) ... 

So basically XXXX gave Freedom money to XXXX out my past due amount and put our account in good standing and one month later we owe {$8800.00}? Heartless. The communication with freedom mortgage is horrible. Each rep gives different information. Theyre never on the same page. It take way too long to get things resolved, which almost always never get resolved! Its sad because this is our home and we are back to where we started! Terrible!

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 2019-03-06
Company: EQUIFAX, INC.
State: GA
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 reached out to you all on last year regarding some accounts on my credit that are not mine. I have been trying to help my son get a car and also purchase a home and the Bankruptcy on my credit is not mine along with XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: SUNTRUST BANKS, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
HELOC through Suntrust mortgage was forgiven in bankruptcy in 2015. Received XXXX on forgiven debt. No debt on credit report yet Suntrust refuses to release lien on property so that we can refinance.

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 monetary relief
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is Trans Union obligation to maintain accuracy. Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( Transunion & XXXX ). Transunion nor XXXX didnt provide it. As I believe all of them are still using E-Oscar to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.

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 2018-07-13
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/XXXX from Ditch/XXXX XXXX about interest on my home in which I added to my chapter XXXX bankruptcy case number XXXX which was discharged in XX/XX/XXXX. I wrote you previously about this company stating that I owed them XXXX on a home that was discharged in my chapter XXXX bankruptcy. I filed case number XXXX with you and you made them send me my deed to my home. Now they are stating that I owe this much interest on my home and trying to send XXXX XXXX an interest statement for this XXXX. I am on social security XXXX and do not file taxes on my income. I talked to my attorney and they gave me advice to file taxes in which I do not have to file taxes being XXXX. I have never paid this much interest on the home in one year, since I have been living in the home. I believe this is bogus and this new company is trying to collect for XXXX XXXX XXXX. I am filing this complaint to get them to stop collecting from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation