BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: Ditech Financial LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It appears that my mortgage may have been transferred to XXXX XXXX XXXX. I was not notified by Ditech. Now I received a statement from XXXX XXXX saying that I owe a mortgage payment by XX/XX/XXXX. but my auto payment was already sent to my old servicer, Ditech XXXX I have no excess funds to pay XXXX XXXX. I would like to know why my mortgage was transferred and if possible, keep my mortgage with Ditech. If not, I would like my XXXX payment sent to XXXX XXXX with no adverse actions on my mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I received {$5900.00} via PayPal from a friend. I have been a frequent user of PayPal for family remittance, goods and services, and other bill payments since XXXX. After receiving the {$5900.00}, PayPal limited my account, essentially locking my ability to do anything - I could not refund, deposit, or close my account. As of writing it has been 20 days since PayPal stated they were reviewing my account to remove the limitation. As a compliance professional, I am well versed in account reviews, onboarding ( XXXX  ), as well as enhanced reviews. I was informed that the review would take 3 days to complete after submitting my documentation showing the legitimacy of this transaction and previous ones. PayPal customer service stated the XXXX XXXX XXXX ( XXXX ), was 3 days. I requested the case be escalated several times - to no avail. PayPal stated I am unable to even close my account. I am unable to call into their customer service line, receive any useful information from their chat function, or use my account. Once this is resolved, I will never be using PayPal again and will advise friends and family to do the same. 

Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-03
Company: Experian Information Solutions 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:
Experian is not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to 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 2018-09-03
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 30 yr mortgage with Caliber Home Loans for the past 3-4 yrs. As of XXXX-2018, they began adding on a {$3.00} fee per month for paying the mortgage online. This doesn't seem fair to me. They state that if I setup a scheduled monthly payment cycle on a certain date then the fee won't apply. I'm not able to do this - I manage my mortgage payment based on pay dates between my wife and I. I don't feel that Caliber should be able to add this fee on. Please advise. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A previous complaint was filed with CFPB. That complaint number was XXXX. This complaint is in follow up to that complaint. Discover replied that they had corrected the error when in fact the error was not fixed. 

On or about XX/XX/2017, I made a purchase for two airline tickets from XXXX. The dollar amount was {$490.00}. One of  the tickets was cancelled and the airline refunded the money to us. However, to this date Discover has not provided the refund to us that the airline issued. 

A credit was issued by Discover on or about XX/XX/XXXX. This credit is sitting on an old account and needs to be transferred to my new account. Every time Discover transfers this credit to my account, they offset the credit with another charge of {$490.00}. To date, my Discover card balance still reflects me being charged for two tickets, not one. I have attached a screen shot that shows this. Whenever I speak with a Discover representative, they tell me that there is a  credit that was provided on XX/XX/XXXX. However as you will see on the screen shot, there is no credit for XX/XX/XXXX. 

My balance currently is {$490.00} more than what the balance should be. Discover needs to stop misleading the CFPB and they actually need to fix this issue immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
First off, I worked very hard to bring my student loans back to a good standing by following through with a repayment plan that got me out of default. I started this plan with XXXX inXX/XX/XXXX and made all of my payments on time. Apparently sometime in XXXX or XXXX XXXX my account was sent to Navient. I was first told by Navient that my payment would continue to be {$17.00} a month which XXXX had previously determined based on my ability to repay with my current income. I was ok with this and agreed to pay the {$17.00}. Fast forward a couple of months to the end of XXXX and Beginning of XX/XX/XXXX I received harassing phone calls and emails from Navient letting me know my payment was past due with a balance over {$500.00}. Shocked, I had no idea why this was so I tried to contact Navient. I was told that I was sent notification that I needed to submit my replacement plan paperwork to figure out what my income based plan would be. I never received that paperwork nor did I ever receive a letter of any kind from Navient. The only contacted me once and that was way back in XXXX XXXX and nothing was said to me about anything I needed to fill out. They gave me no warning when they jumped my payment from {$17.00} to over {$150.00}. I still do not know what my total is a month because I have never received any letter in the mail just threatening collection calls and a threatening email. I understand that Navient is currently in a lawsuit with the CFPB and let me tell you these people at Navient are crooks. I was never informed of my payment change nor was I ever informed that my repayment plan had to be resubmitted despite what they say. I never received any correspondence from Navient related to any reason why my payment would have skyrocketed. Navient are crooks and I will not stop until this issue is fixed nor will I make any payment because it is not a feasible payment. It is about {$130.00} too much a month for me to afford. I will choose food for my family before I pay any money to Navient. This company has and will continue to take advantage of the unfortunate until it is stopped and the CFPB is the only people looking out for the people 's rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Self Financial Inc.
State: IN
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:
XXXXXXXX XXXX self XXXX account number XXXX I have been disputing this account since XX/XX/2022, every month. This company has not been able to validate the debt. Ive noticed Ive been violated pursuant to the FDCPA, there is evidence of the use of abuse, deceptive and unfair debt collection practices. These practices resulted in infringement of my intellectual property rights. 
According to 15 USC 169c ( c ) ( 2 ) and 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states consumer reporting agency CAN NOT furnish an account without my WRITTEN consent and I am demanding all of the following : -Stop illegal negative reporting to ALL consumer reporting agencies and report positive reports or remove this account from my consumer credit report. Remove late payments from XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern, I disputed an account reported by XXXX  in the file you maintain under my Social Security number. 

I was informed that XXXX, XXXX XXXX XXXX, XXXX, and the XXXX XXXX XXXX was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I filed a police report ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. You have my police report on file on the subject matter above. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2020-09-10
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Amerisave ( XXXX XXXX ) regarding refinancing my rental property beginning of XX/XX/XXXX, By XX/XX/XXXX all the forms were completed and financial verification sent to XXXX XXXX. She insisted on a {$500.00} deposit to " lock in the rate for 30 days ''. 
The appraisal was complete and submitted to Amerisave on XX/XX/XXXX. 

Since that point in time no one will return my calls nor respond to my emails. I have even contacted XXXX XXXX, XXXX XXXX 's manager, to no avail. 

I have not received the Truth in Lending Statement, although I have asked both XXXX XXXX and XXXX XXXX for one. I requested escrow and title be opened with a company near me. I even provided a name and address of company they could use. 

Two months into this refinance, all I really know is that they have taken {$500.00} from me and nothing else has happened and I am totally unable to contact anyone there. Even customer service has you leave your number and no one returns the call. 

Is this even a legitimate company? Have they been closed down? Have you any knowledge to explain my experience? 

By the way, yesterday I receive a statement from XXXX on behalf of Amerisave stating an audit disclosed they had forgotten to sen me my credit score. It was XXXX out of XXXX. 

Please help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
The company Ally Financial claims I have a delinquent payment history with them and I still owe over {$1500.00}. In 2016 the car that is in this claim was in an accident. It was considered a total loss by the insurance company. I received the money from the company and fixed the car. Ally sent me the title to the car. Then I traded in the car to XXXX XXXX in XXXX Va on XX/XX/2016 with a clean title. I did not owe any money on that car.

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 2020-09-10
Company: Experian Information Solutions Inc.
State: CA
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:
Dear consumer relations, This is related to complaint ID # XXXX My recent complaint was closed without providing me with any information from experian. 

I hand wrote and sent certified mail to experian requesting the method they used to verify certain items listed in the letter I attached in the previous complaint that was sent to experian in XXXX. Under the federal fair credit act you have 30 days to reply on my dispute or the reporting agent must delete and remove those account from my credit report. No response through mail was attempted from experian. FCRA 611 ( a ) ( 6 ) ( b ) states that upon request they must provide me a description of those procedures used to determine the accuracy and completeness of the information. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later then 15 days after receiving this request. No response was attempted through mail from experian. At this point I still have not received any information sent to my address I provided in the previous complaint.

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 2021-11-27
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Currently, I bank with U.S. Bank. Based on a review of my account, U.S. Bank is withholding deposits to force overdrafts. 

A deposit of {$170.00} from XXXX to my U.S. bank account on XX/XX/XXXX was with held. As well as a deposit of {$210.00} was also withheld on XX/XX/XXXX. The withholding by of these deposits forced my account to overdraft. 

I can add more examples of where this has occurred. I have reached out to U.S. Bank ( XX/XX/XXXX ) and they have refused to help me. 

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 non-monetary relief
Consumer complaint received 2020-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I never received my Benefits card when I called BofA the claim representative said the card had been used and we're gone and to put in a claim they would send out a new card and return the stolen funds as a courtesy. I received new card with no funds and still no funds. Bank of america said for me to prove that I didn't do transactions. Well if I didn't do them how can I get proof that's insane. But furthermore the claims rep said the funds would be replaced but I have yet to receive anything.

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 2020-10-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
It was my first leased vehicle and at that time we were starting a new family. We went to XXXX XXXX XXXX to get an XXXX in XX/XX/XXXX. The sales person showed us that leasing would be a great option for us and that he too leases then gives his car to XXXX to make some money off before lease term. They advertised and agreed to 36 months lease. After going back and forth with the mileage option, they reprinted the agreement with more mileage but changed the term of lease to 38 months. We did not notice the change that was made and we were under the impression that it was still 36 months as discussed. During the time of COVID around XXXX or XX/XX/XXXX, when situation got rough, we called to see if they can take the car back and help us out. It is then we were told that our lease term is 38 months. We looked at the agreement and saw it was 38 months. We reached out to the financial company and they told us to go to the dealership. We went to the dealership and they told us that this would be something XXXX financial would be able to fix. The dealership tried to get us into another car, which we declined. Now that we are coming close to 36 months, we get a registration letter from XXXX saying that renewal is due XX/XX/XXXX. The registration amount is close to what we pay for 1 month of payment. We called the financial service and spoke to the manager and they said there is nothing they can do. We are not stuck either taking a loss on either the DMV fee or handing the vehicle early with payment for 38 month term. I felt like we were scammed and no one was able to help us. I would never do  business with XXXX again nor would I recommend anyone to shop at XXXX XXXX XXXX. We felt deceived, especially because the sales and the finance department of that dealership were the same cultural background as us and they used that to their advantage by tricking us with various documents. We found this dealership to be shady as all the people that worked their were moved or no longer working there. Which reminded me that the elder white gentleman was upset and there was high tension going on, we went back 1 week later to pick up the mats for the car and that gentleman was no longer working there. Something just didn't seem right at that dealership. I hope they would take this complaint into consideration and make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about, XX/XX/2018 the record shows I mailed XXXX XXXX Notice of Lawful Affidavit with attachments, dated XX/XX/2018 by CERTIFIED MAIL NO. XXXX XXXX XXXX XXXX XXXX as verified by Affidavit of Mailing : TO : XXXX XXXX, ( a living man ) CHIEF FINANCIAL OFFICER NAVIENT CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX After acceptance of four mailings, XXXX XXXX refused to send a rebuttal on behalf of himself and or NAVIENT CORPORATION in XXXX DELEWARE. There has been no adjusted and or settlement, nor a notice of dishonor from a qualified third party excusing him refusal, in the ten ( 10 ) days following the second, third and fourth mailing. 

Therefore, based on the foregoing facts, I certify that XXXX XXXX and or NAVIENT CORPORATION in XXXX DELEWARE, has dishonored and I declare lawfully through nonresponse, has thereby agreed and has accepted the presentment along with the obligation per public policy. 

Further, XXXX XXXX ( a living man ) and or NAVIENT CORPORATION in XXXX DELEWARE, agree that their refusal to send the written confirmation or a notice of dishonor from a qualified third party, in no way negates the fact that said case is settled and closed, that he nor their agency has no capacity to pursue on said case, and that further pursuit of case is agreement that XXXX XXXX ( a living man ) and or NAVIENT CORPORATION in XXXX DELEWARE, collectively owe Principal ( a living man ) in excess of {$500000.00} ( XXXX XXXX XXXX dollars ) and that he may take all necessary steps to secure his claim to the debt owed to him and to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief