BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-29
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A seller contacted me to sell me tickets on XXXX for a concert, provided me with proof of purchase, an email confirmation of the tickets. I purchased tickets for a XXXX XXXX concert in XXXX, New York on XX/XX/XXXX for {$200.00}. I sent the recipient money to his girlfriend 's account through XXXX Zelle through my XXXX XXXX. The seller said he was sending me the tickets and then blocked me on XXXX and I lost all contact with the seller, never receiving the tickets. I called XXXX XXXX and they told me that there was nothing they could do since the money had already been delivered, however, it was still pending in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I requested a stop payment on a check sent through bill-pay with ally bank. They told me the stop payment was successful and the funds still cleared.

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 2016-05-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
DITECH MORTGAGE AKA XXXXXXXX MORTGAGE CONTINUES TO AGRESSIVELY AND IN A VERY HARASSING MANOR TO ATTEMPT TO COLLECT A DEBT ON THE MORTGAGE BACK FROM 8 YEARS AGO THAT WAS SETTLED THROUGH A SHORT SALE. THEY KEEP REPORTING A FULL BALANCE ON CREDIT REPORT RUINING CREDIT REPORT AND CAUSING A GREAT FINANCIAL DISTRESS TO ME AND MY FAMILY. THIS NEEDS TO STOP IMMEDIATELY!!! 
Name : DITECH FINANCIAL LLC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Past Due : {$55000.00} Acct Status : 120+ DAYS PAST DUE Hide Details GREEN TREE XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : 120+ DAYS PAST DUE Account Owner : Joint Account High Credit : {$120000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$55000.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$710.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 70 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency : XX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Navient Solutions, LLC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I decided to reach out to the Navient in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from Navient in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and Navient took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under Navient they fall under XXXX XXXX and should be removed. How can Navient Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account without food cause, took all of my rewards points, and mishandled my disputes.

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 2017-11-21
Company: CMG MORTGAGE, INC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicer for my mortgage is engaging in a systemic pattern of delays in responding, XXXX logins and updates requiring new registration increase the likelihood of late payments. 

Facts : * My home loan is with XXXX XXXX.They utilize XXXX XXXX XXXX XXXX XXXX ( XXXX ) as their servicing firm. The website for payments is XXXX XXXX XXXX * Every month, I enter the same UserID and Password I used the prior month. Every month, it does n't work. Every month, the website flashes a message stating " Please contact us via email so that a Customer Service Representative may help you access your account. '' Every month, they wait 5 to 7 days to reply. 

My payments are due on the 1st : * XX/XX/XXXX : I needed to make my first payment. I contacted XXXX  because the servicing site would not allow me to register my account * XX/XX/XXXX : I was finally able to log on to servicing site, and submit my payment. 
* XX/XX/XXXX : Only time in the short servicing period was I able to log on without assistance. But, it proves I did know my User ID and password. 
* XX/XX/XXXX : Account locked out. Per website instructions, I emailed customer service ( for loan servicing : XXXX ). 
* XX/XX/XXXX : Email advising account was now unlocked, and that I should use the " Forgot User ID '' or " Forgot Password '' options in the future. Only problem is, I had n't forgotten either. They just simply no longer worked. 
* XX/XX/XXXX : Account locked out. 
* XX/XX/XXXX : Email advising account was now unlocked, and that I should use the " Forgot User ID '' or " Forgot Password '' options in the future. Only problem is, I had n't forgotten either. They just simply no longer worked. 
* XX/XX/XXXX : Emailed Mortgage holder 's help address ( XXXX ) regarding the horrible experience I was having with loan servicing. They apologized, and gave me a special number to call. XXXX said my account had an old loan on it, and she deleted it. 
* XX/XX/XXXX : Account locked out. Emailed both loan servicer and mortgage holder about persistent login issues. 
* XX/XX/XXXX : Received notice from loan servicer that I would need to re-register my account because they had upgraded their website. Their message told me the loan number to use for future questions. 
* XX/XX/XXXX : I need two previous statements, so I tried to log in with my newly re-registered UserID and password. They do n't work. Website looks different, so when it suggested I re-register, I presumed it was a new website from their development efforts. I entered my loan number ( same one as received in the XX/XX/XXXX message above ), but system says I do not exist. No one to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Flagstar Bank, N.A.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX 2015 received loan modification with a new payment of {$440.00}. 4 months later we were informed escrow was negative XXXX. I paid XXXX to pay back escrow. The following year escrow stated I was to pay XXXX for escrow was now negative XXXX. 8 months later I discovered 4 house payments mailed back for flagstar stated it was XXXX dollars short. I mailed money orders to avoid XXXX dollar call in fee. In default again after I was struggling to pay extra every month. Hired a lawyer for possible chapter XXXX but ca n't afford the process.currently loosing my home. I am part of class action law suit. I 've received two reimbursement checks. Flagstar strung us along for so long trying to get a modification only to deny us so we got a lawyer. In the end they refused my money causing me to default.

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 2019-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have account collections on my credit report that i have been disputing for over 3 months. The accounts do not belong to me and are not even in my name. due to these collections i have lost the ability to get approved for my home loan. I have tried repeatedly to have these removed with no luck

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 2019-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX made a deposit on Bank of America ATM in XXXX for {$300.00} the ATM had a glitch and was unable to accept the deposit or return the deposit The ATM had a message saying there is a problem with this ATM and asked for me to enter the deposited amount which I did, 2 weeks later Bank of America took the money from my account and are saying they're unable to file a claim on this issue since it's a branch problem refused to help or even give me any information or options on how to attempt to get my money back

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 2016-07-26
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 Ditech received a {$2000.00}. principal payment from me. My check had " Principal Payment '' written on it. When I checked online, I noticed that the payment had been posted as the XXXX/XXXX/16 mortgage payment. I called Ditech on Monday XXXX/XXXX/16 to advise them that they had posted my payment incorrectly. The representative advised me that they would need three business days to make the adjustment/ correction, and that I could check back to confirm that the correction has been made. 

As of today, XXXX/XXXX/16 the correction has not been made. 
Is n't it the lender 's responsibility to post payments correctly? Once notified about the error, how much time does the lender have to make the correction? 
Thank you

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 2020-05-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Despite exceptional credit history and low debt and paying off my mortgage Experian continues to regularly drop my credit score for no financial justification. They keep telling join credit boost Experian has not gotten XXXX XXXX XXXX  enrolled despite my repeated requests. I pay over {$250.00} a year and am not getting fair honest reporting. My score dropped from XXXX exceptional to XXXX very good.the only negative on my entire report was late utility bill 5 years ago. So why did my score drop XX/XX/2020. Thank you.

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 2020-05-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I made a payment by phone of $ XXXXto Santander Bank Sphere credit card. Then, on XX/XX/XXXX I called and spoke to a representative to pay total balance amount due. The representative gave me the figure of {$4900.00}. I had the balance debited from my checking account and felt assured that the credit card was paid in full. 

When checking statements on line with assistance from my son, we discovered that my account had been charged a {$35.00} late fee ( refunded after spending dozens of hours ( 27 hours ) on the  phone trying to get help ). We were transferred more than dozens of times and while being transferred were disconnected many times. We asked representatives to take my cell phone number so the rep could call us back if we were disconnected again, the call quality was horrible on most of the calls. We couldn't hear them or they us. We were told that the rep could not able to call us back, some wouldn't transfer a call to management. We had conversations that were not transmitting clearly and asked for a return call which was also refused. On XX/XX/XXXX, the day after I paid the balance on the phone, there was a fees and interest charge on my on line statement of {$86.00}. 

After having to call to the HQ location in XXXX, Since the toll-free number was unavailable for the most part. And as mentioned, if we could get through to the number it was a terrible connection and no one could help you. Even after speaking to headquarters in XXXX, those calls were transferred back to the call center and more of the same occurred. Then decided, to call branches in XXXX XXXX. After speaking to a branch on XXXX XXXX in XXXX escalated the concern and ask for help. The representative who we spoke to was new at the branch and didn't have a branch manager available. After some time she was able to locate a branch manager and other branches. Those two branch managers on XXXX XXXX in XXXX and a location in XXXX XXXX reached out to their executive leadership to ask for help. At the same time finally someone from the call center returned a phone call to my son 's phone. After more than 30 hours of phone calls we finally had a refund to the egregious fees placed on the account for no reason. There was no reason for most of this to occur. Santander 's customer service is lackluster at best. We understand that changes happened during the crisis were under and that some of their staff couldn't work from their office location and working from home for the first time. However, Santander should have been ready for this eventuality and was not. We paid the price for their incompetence.

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 2019-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX someone took XXXX dollars out of my acct via our " debit card '' through an ATM at BOFA in XXXX AZ ... it happened 2 hours prior to my call and I had our bank card in our pocession the entire time ... BOFA credited my account and then took it out later stating fraud was not committed ... and closed out the claim ... all they said when asked how they came to the conclusion was that chip was read ... ..I asked about video surveillance and was told they NEVER did it ... .they suggested I call Police which I did ... 
Still no resolution ... .now it's thievery on BOFA because they stole my XXXX dollars without proof of fraud!!! Until I have resolution I am filling a complaint with Federal Reserve and 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 monetary relief
Consumer complaint received 2021-06-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For several months, I have disputed this creditor XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX XXXX  {$3000.00} I have sent letters to XXXX  and neither parties have responded to these disputes. 

I sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XXXX  about the Validation of this account. 

I am requesting for XXXX XXXX  XXXX XXXX XXXX  to delete this account off of my XXXX  report. It is not my debt and this creditor hasn't send any documents validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Upgrade, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I was approved for a loan with XXXX After getting approved, I waited 2 weeks for the money to be distributed. However, they were not. When I called the company, they assured me it would be resolved after I provided some additional documentation. I waited another week and called back to see what is going on. This time I was told that their tech team was looking over my account and would call me back. I logged in today and their dashboard shows my loan as approved but I still haven't received any information as to why nothing is being distributed. I then contacted customer service via email who keeps telling me that my account does not match anyone with a loan even though I have talked to people on the phone multiple times at XXXX. At this point, I just want someone to call me from XXXX so they can just cancel the loan or tell me why the money is not distributed yet. I have not been able to talk to anyone at this company so far, I have asked them to just call the number listed in the account for the Loan. However, they keep saying they can't call me since there is no account associated with my email. I am not sure what to do at this point so I'm filling out this form. Thanks. My loan number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have about 20 student loans that are reporting on my credit report. These loans definitely belong to someone else. I am not currently in school and I do not have any unpaid student loans. Therefore these accounts should not be reporting to my credit bureau. I sent an original dispute which removed these errors from 2 of my credit bureaus, but it still is visible in one of them. These should be removed from credit report ; they do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Central Portfolio Control Inc.
State: AR
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:
1. Central Portfolio Control Inc. has twice violated law by not providing evidence of a material response and opportunity to validate my debt before reporting it to credit bureaus. No response in previous complaint filed here in a response to my previous disputes and screenshots submitted on XX/XX/XXXX in response to their XX/XX/XXXX letter. No response was provided within 30 days, and did not respond within 5 days of their investigation. They did not respond at all and only responded in this portal on XXXX. In a call on XXXX they did not deny receiving the responses in XXXX, but rather explained the DEBT HAD BEEN SENT TO THE CREDIT BUREAUS BEFORE THE DISPUTE LETTER WAS SENT TO ME AND THE REASON WHY IM SEEING IT NOW IS BECAUSE THEY TOOK SO LONG, and my response does not stop their ability to file the debt -- -not responding to the letters were not addressed, and I again note not provided in the XX/XX/XXXX complaint here in consumer finance.

2. Central Portfolio Inc. did not provide material evidence of a valid debt from an original medical facility. They provided a claim from an insurance company and some sort of payment information to another party. Neither of whom provided a medical service with no identifying information from a facility. Nor information of my signature receiving services from facility. In an XXXX phone call another facility other than who was provided was named and they were unable to provide a contact name or phone number to track the debt. They screened for identifying information they did not have and aggressively attempted to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I received messages from capital one that my card has stopped receiving payments. I do not have the card in my possession or pay the bill, it is in my name and the person who has received it named XXXX XXXX apparently stopped doing this. she uses the card as a tool of abuse as does her family who are targeting me as law enforcement informants in the CA DOJ, FBI. She apparently relocated from XXXX to the XXXX area but I dont have the address. When I received these emails from Capital One I could not log into my account. The issue is I need to establish that due to severe hardship I can not currently pay the capital one bill, There are only revolving accounts linked to this card, it is a very sick disturbing situation in which XXXX is aware i can't leave living situation I am in. I need to request that capital one put a stop payment and extended grace period - however, I am not able to log into my account. Furthermore, I have no phone in which to call. I need to be able to use email to establish what my options are and for them to immediately pursue any option I can. I am not only without work, but I am not able to leave my home environment - it is something XXXX and her family conspired and have taken advantage of. I do not have the card in my possession, according to the email it ends in XXXX. Furthermore I do not know the billing address. As stated it is a very unusual situation of abuse, so I am not able to deal with this problem without capital one emailing me.

Company response to consumer: Closed with explanation