BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
DITECH is the absolute worst mortgage company to deal with. They have been holding our insurance check since XXXX and still have yet to release our funds to us so we can begin repairs on our property. We have called them every single day to check on the status of our check and they have noted our calls and that all of our paperwork was processed. Today our check is supposed to be released and sent overnight. When my husband called to make sure of this they tried to inform him that there was documentation missing from the file. At this point, DITECH is playing games with us. We get a different rep every single time we call in and the operator gives you very basic information. It is so frustrating dealing with this company. The amount of the check is more than the value we owe on the property. It is our money. It is for us to begin repairs. It is not a difficult case and a few documents that were needed have been given to DITECH back on XX/XX/XXXX. They keep pushing us days later and saying they are behind schedule because of hurricane claims. I should also mention that DITECH was not even our mortgage company when the accident occurred. We have been running around and dealing with a dozen other things in order to get this process started and yet DITECH who is handling our claim has NEVER REACHED OUT TO US! We always had to call into their call center and try to figure out what is going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
.XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - Partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be last on an account that has a {$0.00} balance and {$0.00} past due.

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 2019-11-18
Company: BOK FINANCIAL CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of Texas falsely claims they have " Free Checking '' but charge a fee for paper statements and REFUSE to let customers opt out of that fee unless they sign up for online banking=which EXPOSES customers to fraudulent activity. 

Forcing customers to expose their accounts to fraud seems unlawful. It should not be a requisite to obtain something deemed 'free '. 

I'm asking CFPB to prohibit financial institutions from claiming a service is " free '' if it's " free '' if and only if clients are forced to expose their finances to fraud thru online banking or other undesired exposures. 

see website here : https : //www.bankoftexas.com/personal/products-and-services/personal-banking/checking-accounts/free-checking Site does not disclose that online banking is demanded for checking to be " free ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Billing dispute for services

Complaint:
They have reported that I have numerous late 's and I have a letter saying that Its deferment and that nothing is owed. 

Acct # is 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 2018-11-20
Company: ID Analytics, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The company XXXX XXXX appears to be creating credit reports with purposely low scores, which are then used by banks to demand higher interest rates and terms less favorable to the consumer. 

For example : I recently purchased a XXXX and authorized the dealer to run a credit check for the purpose of soliciting offers from banks. My XXXX score is XXXX, but my XXXX score was XXXX ( on a scale of 1 to 999 ) and cited factors related to time at phone and address, too few installment accounts, total account balances, etc. XXXX XXXX  then sent me a letter informing that due to my credit information, they could not grant a loan on the transaction as submitted, but would be willing to do it on modified terms that had been submitted to the dealer. Searching online, I found that others had had the same problem with these two institutions. I ultimately did not use XXXX XXXX, but wanted to inform you of this potential scam.

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 2020-12-04
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
A loan for {$1000.00} Agreed payback of $ XXXX the rate of {$130.00} for 10 consecutive weeks. 

I look on the website, and it says {$4300.00}. 

That's {$3300.00} of interest on a {$1000.00} payday loan. So far, I've made 5 payments of {$130.00} each -- all on time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Lazega & Johanson LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING A LIST OF ALL UPDATED PAYMENTS MADE TO THE DOWNS HOA SINCE XXXX. PLEASE NOTE A REQUEST WAS SENT TO THE LAWFIRM OF XXXX AND XXXX WHO COLLECTED THE YEARLY HOA FEE, PRIOR BUT, DID NOT TRANSFER THE PAYMENT ( S ) TO LAZEGA AND JOHANSON. ALSO, IT APPEARS THE REPRESENTING LEGAL COUNSEL, XXXX XXXX FILED TWO CLAIMS INTO MY SPOUSE 'S XXXX XXXX. 

I AM REQUESTING A PRINT OUT OF ALL DUES PAID BEGINNING XXXX TO CURRENT. ALL PAYMENTS ARE CURRENT HOWEVER, A COPY FROM THE ABOVE LAWFIRM IS REQUIRED. 

IN ADDITION, I HAVE ATTACHED THE INVALID SIGNATURE PAGES OF THE RESIDENTS OF THE DOWNS SUBDIVISION LOCATED IN XXXX GA. THIS REQUEST PERTAINS TO XXXX XXXX XXXX XXXX WHICH WAS ABANDONED BY THE XXXX TRUSTEE. THERE APPEARS TO BE A SOCIAL RELATIONSHIP AMONGST THE TRUSTEE AND REPRESENTING LEGAL COUNSEL. 

ATTACHED SIGNATURES WERE SUBMITTED AS SUPPORTING DOCUMENTATION FOR A NON-JUDICIAL FORECLOSURE IN THE YEAR OF XXXX. THIS LEGAL CLAIM WAS BASED ON STATED HOA DUES WERE LATE. PREVIOUS PAYMENTS TO XXXX AND XXXX XXXX SHOULD HAVE BEEN TRANSFERRED OVER TO THE NEW ATTENDING LAWFIRM. THIS WAS CONCERN WAS DOCUMENTED. THE INDIVIDUAL BY THE NAME OF XXXX XXXX WHO WAS AN EMPLOYEE OF XXXX AND XXXX WAS ALSO EMPLOYED BY XXXX AND XXXX WHO ARE BANKRUPTCY ATTORNEYS IN THE XXXX BRC NORTHERN GA. IT IS VERY OBVIOUS THE APPEARED CONNECTION. 

FURTHERMORE, SUBMITTED WITNESS SIGNATURES WERE SIGNED BY 3 TO 4 SAME INDIVIDUALS AND 2 TO 4 NOTARIES. A COUPLE DID NOT EVEN RESIDE IN XXXX XXXX PER THE GUIDELINES. IN ADDITION, THE NOTARY DID NOT PROVIDE THE A DATE PERTAINING TO THE WITNESSING OF THE WITNESS SIGNATURE. SO, IT IS VERY OBVIOUS RETAILIATION WAS TAKING PLACE AT THE TIME OF FILING WITHIN THE XXXX XXXX COURT FOR THE PURPOSE OF RETRIEVEING XXXX HLD. 
QUESTION : WHO STOLED THE PAYMENTS SUBMITTED TO XXXX AND XXXX? PLEASE REVIEW YOUR BILLING. YOU BILLED FOR HOA DUES FOR THE SAME YEAR XXXX AND XXXX RECEIVED PAYMENT. 

THE ASSIGNED LAWFIRM ATTEMPTED TO VIOLATE AN AUTOMATIC STAY WHICH IS AGAINST THE LAW. THIS WAS ANOTHER PLOT TO FORECLOSE ON XXXX HLD DUE TO THE KNOWN FRAUD ON THE HOME. AS A MATTER OF FACT THE PREVIOUS RESIDING NEIGHBORS LOCATED BEHIND XXXX HLD WAS SAID TO HAVE LOCATED TO FLORIDA BUT, THEY ARE CURRENTLY RESIDING IN A NEARBY CITY. 

THEY ARE THE INDIVIDUALS WHO SIGNED AS WITNESSES ON THE MAJORITY OF THE SIGNATURE PAGES. THERE IS NO WAY 2 TO 4 NOTARIES WITNESSED THE SIGNATURES OF THE WITNESSES. THIS IS A CRIME! IT'S VERYOBVIOUS THE SELECT RING OF INDIVIDUALS WHO WERE AND STILL ARE WORKING TOGETHER. 

BASED ON MY RESEARCH IT APPEARS THERE ARE HOMES LOCATED WITHIN THE DOWNS SUBDIVISION WHICH WERE FINANCED BY 1440 HLD VIA FRAUDULENT LOANS. APPROXIMATELY 18 TO 20 FRAUDULENT LOANS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/2018 Purchase for a XX/XX/2014 XXXX. Two checks post dated of which one check was honored and the other checked cancelled. The loan is now in default due to the cancelled check. Let XXXX XXXX know and they said no problem. Westlake Financial Services was assigned to the the loan in a separate letter attached to the contract. It states, '' Your contract has been assigned to Westlake Financial Services. During the next week, XXXX will contact you regarding your automobile purchase. Please make sure that you are available for this phone interview, which is required for the financing of your new vihicle. '' The interview never took place upon waiting for 3 weeks. The vehicle was taken back to the dealer on XX/XX/2018. The dealer said that could not be done, hence the keys and the car was left on their lot. What financial company buys defaulted contracts unless they are one and the same? Let XXXX be aware of the situation and they kept putting me on hold as they would contact the dealership. No resolution.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yes on XX/XX/2022. I couldnt unlock my debit card to use it. Chime was having issues where nobody could unlock thiers card. This issue caused me not be able to get gas after work to get home. I had to wait at the gas station for XXXX hours before the issue was resolved. This inconvenience caused me to be late picking up my kids at the babysitter. Because I was late I had to pay my babysitter extra money for being XXXX hours late. This was very inconvenient and embarrassing not to mention a waste of my time. This is not the first time Chime had this problem. There has been many times this has occurred. I sent an email to Chime customer service explaining everything that happened. There response was thanking me for the feedback and they will try better next time. I feel I should be compensated for the extra money I had to pay the babysitter and for my time wasted. I made that clear to Chime. I could understand if it was a XXXX time thing but it was not. On numerous occasions Chime has had this problem. I feel that this should never happen we put our trust in the people holding our money with the belief that when ever we need to use our money we should be able to. Without any hesitation or problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft my mom husband wanted to go back to school so he used my information to get out student loans in my name he even took out a load in my name for mortgage and getting a car in my name.my credit has been a mess I am trying to get my own home.I never took anything out in my name i just want my good name back that this person has stole from 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 2018-11-20
Company: Seed Consulting, LLC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Seed Consulting LLC. ( known as XXXX XXXX ) partners ( works ) with a crook Company named XXXX XXXX XXXX. and acts as a fundamental customer funding tool, enabling XXXX to rip people off by providing credit cards to drain and pay to XXXX for easily trusting people like me.

A year ago I trusted XXXX company and purchased their program which I didn't have money to purchase. A team of 5 representatives from XXXX XXXX were present in the event to hunt people like me that have no money and provide them with credit cards to make them to buy XXXX XXXX programs and in return charge/gain almost {$4000.00} in commission.

As a result of their partnership, I am under {$60000.00} of debt in credit cards that I am not able to pay back and has resulted in bad credit for years to ruin my life ( which before this my credit score was XXXX ). Only because of false hope that we are going to make triple of this amount in a matter of short time of 2 months.

At the moment, there is a legal case taking place against XXXX XXXX in a federal court in Florida that is filed by hundreds of victims like me. The following link is a proof of it.

( XXXX  ) XXXX XXXX was fully aware of the predatory nature of this company because they have been managing many of these events hand in hand nation-widely from before and carelessly cooperated with them to gain their lucrative commission.

To me XXXX XXXX is as predatory as XXXX XXXX, Because without XXXX XXXX, XXXX XXXX   would have been powerless and would not be able to prey on innocent people who believed in them.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I seen that I had a bankruptcy on my credit profile and I contacted the courts and they stated with the information given to them that I never filed bankruptcy in there courts ; and that if theres an inaccuracy on my credit report that I should contact the credit agencies. After a couple months of disputing the credit agencies never gave me a fair investigation on the inaccurate information reported. I also contact XXXX XXXX and gave them documentation that I was received from the court they deleted the information off of my XXXX report which the credit bureaus pull from I demand that this public record is deleted off of my consumer reports for a violation of the FCRA 15 USC 1681i and if this is not done immediately I will file for litigation at my local court office

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 2019-03-26
Company: EQUIFAX, INC.
State: ME
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:
Submitted disputes through Equifax online system. Received email notifications regarding dispute updates, however online dispute check from Equifax will not work. Called Equifax directly, they stated they could not help me. Equifax offers an online dispute resolution service that does not work, and the customer service is not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had an account with Regions Bank ending with XXXX. I wrote checks to XXXX XXXX in XX/XX/2011and I am requesting copies of those cheeks in the amount of {$1000.00}. I am requesting copies of those checks, because I wrote two for the same amount for two reasons.. 
One was for child support and the other was for bankruptcy. I need copies of those checks sent to me. I also need copies of checks sent to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Payments were made via wire to XXXX XXXX XXXX XXXX XXXX and 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 2019-06-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
{$8000.00} was debited from my Chase checking to be transferred to a bank in XXXX, XXXX on XX/XX/2019. Today is XX/XX/XXXX and the money was not deposited in the account in XXXX. Many calls to Chase and many visits to Chase branches without resolution. Chase has been shuffling my calls between departments and supervisors and giving me double talk all the time. They always say to give them 3-5 days each time I get in touch with them. Please help me and direct me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I'm a XXXX  % XXXX Veteran in Florida. I received an Escrow Analysis from Lakeview Loan Servicing , LLC stating an increase of my monthly Escrow payment amount, increasing from {$260.00} to {$330.00}. On XXXX I submitted my Florida Homestead Exemption Approval Letter to Lakeview Loan Servicing. I spoke to a customer service representative on XXXX who told me to call once a week to check the status of removing taxes from my Escrow Account. I called every week. On XXXX another Escrow Analysis was completed but the required Escrow payment was now {$370.00} after removing taxes and which is more than the initial Escrow Analysis conducted on XXXX that included perspective 2021 taxes. On XXXX I spoke to a rep. that told me Im suppose to have a minimum of {$1000.00} Escrow balance and couldn't explain to me why. I told her I'd never heard of that and noone from Lakeview Loan Servicing has ever contacted me nor informed me in any way about that requirement. The rep. transferred me and I finally spoke to a supervisor XXXX who tried to assist me but still gave me the run around and could not explain why Lakeview Loan Servicing is asking for an additional {$1300.00} annually when my land tax was reduced and all of my property taxes were removed. After going round and round I got tired and just sarcastically told her I understood but I didn't understand. I just didn't want to keep going in circles. If my initial Escrow Analysis conducted on XXXX suggested an Escrow payment increase from {$260.00} to {$330.00} based on perspective XX/XX/XXXXtaxes, and now I'm approved for Homestead Tax Exemption, my property taxes are removed, my land tax has been reduced, my CDD/Waste management fees are the same and my Homeowners insurance increased by only {$15.00} a month, what is Lakeview Loan Servicing justification for an extra {$1300.00} annually? Making my Escrow payment without property taxes higher than the initial Escrow payment that included property taxes and higher land tax? My original loan was with XXXX XXXX XXXX. I was unvoluntarily transferred to Lakeview Loan Servicing and NOONE reached out to me to discuss my account in whole. NOONE reached out to me to discuss either Escrow Analysis that where conducted XXXX and XXXX. The only people I got to talk to were customer service reps that only read notes and gave me the run around. This company Lakeview Loan Servicing didn't allow me to talk to the people who are doing the Escrow Analysis and increasing my Escrow which I consider an unfair business practice. I didn't ask this company for a loan, my loan was transferred to them, therefore I should have been contacted during the Escrow Analysis.

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 2021-03-27
Company: Total Card, Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
i disputed this inquires on XX/XX/XXXX, it has been more than 45 days and still no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Okay so I went to jail on XX/XX/XXXX of 2021 and was not released until XX/XX/XXXX of 2021 when I was arrested I left my purse my phone my credit cards everything in somebody's car which later then explain to me was stolen so on XX/XX/XXXX is when I started reporting all my card stolen chime was one of them. My tax return I did not even know was put into my account because I couldn't access it at the time so I never personally received that whoever stole my purse while I was in jail obviously access that and when I reported it to chime they denied my claim there were many claims that were denied by time that I am now out a lot of money for I recently got a notification from the IRS stating that they had sent a deposit as of XX/XX/XXXX of 2021 again I have yet to see that reflect on my account I've had nothing but issues trying to get any bit of my money back from all this

Company response to consumer: Closed with explanation