BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-14
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Vehicle was turned in, on time, at lease end onXX/XX/XXXX. Vehicle passed inspection with flying colors, but excess mileage charge was never returned to me. Amount due to me is {$5400.00}! Called Ally Financial on three ( 3 ) different occasions to question why funds have not been returned, and on all three occasions I have been talking with foreigners who can not speak good, understandable English. It's not surprising that a caller is not asked to " Press one for English '', because apparently there is no one left at this business who speaks English clearly since XXXX XXXX sold the business. Both my wife and I have called and requested an English-speaking person without any success. We have collectively talked with seven ( 7 ) different individuals over the three ( 3 ) calls and still do not understand why our funds have not been returned to us. It is now over 4 and 1/2 months since we turned the vehicle into the dealership where we bought our new car! Ally Financial is using our funds to make interest at our expense and we demand immediate return of our funds, and they should include interest! My Ally account # is XXXX. We even had the dealership ( XXXX XXXX XXXX of XXXX  Michigan ) contact Ally, and they had no success in getting our funds returned either. We received a letter from Ally Financial datedXX/XX/XXXX indicating that our refund of {$5400.00} would be mailed under separate cover, but that was 53 days ago, and even the USPS service is not that slow! We have been told by our dealership personnel that the refund usually follows the letter within 7 days!

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 2022-08-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX, I took out a {$30000.00} student loan from XXXX XXXX with a cosigner due to lack of credit history. For the past 12 years, Ive paid back between {$18000.00} and {$20000.00}. But as of XX/XX/XXXX, my current balance is : {$43000.00}. Consequently, all money Ive paid back so far went toward the loans interest rates, which keep changing at Navients discretion. I made several attempts to ask why the interest rates always changed in the middle of every payment plan ( agreed by both parties ) without informing me beforehand, but Navient never gave me a valid, logical and transparent explanation. As you already know, such business practices ( by Navient ) are shady, fraudulent, unfair and must be stopped. 

On XX/XX/XXXX, 39 state Attorneys General announced that Navient, known as one of the nations largest student loan servicers, will provide relief totaling {$1.00} XXXX to resolve allegations of widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans. According to the attorneys general, the interest that accrued because of Navients forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. You can read more details about the settlement here : XXXX XXXX XXXX/ As a XXXX resident, I also joined the multi-state lawsuit against Navient. The settlement requires Navient to make restitution payments to approximately 357,000 harmed borrowers nationwide, including 43,000 Californians. Californians will receive around {$260.00} XXXX of that debt cancellation, going to approximately 7,400 California borrowers. In addition, the settlement requires Navient to reform its loan-servicing practices, including by ensuring that its call agents advise all borrowers of the benefits of income-driven repayment plans if they are seeking to stop or lower their payments. Unfortunately, I havent received any restitution payment from Navient, and/or any notification that my loan will be canceled or my interest rates will be reduced. But both my cosigner and I continue to be harassed by Navient incessant calls and emails asking for more payments, while refusing to explain why all the money Ive paid so far went toward interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My XXXX XXXX balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with XXXX  because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected.

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 2018-04-14
Company: Diversified Consultants, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I was trying to buy a home, I had been monitoring my credit by paying memberships to all three credit bureaus, after monitoring my credit for over a year and paying nearly {$100.00} a month to these agencies and knowing where I stood with my credit scores, I decided to end these memberships, literally days after I had completed this, a debt appeared on my credit report that I hadn't seen before.

and the only reason I knew it was there was because I had applied for a home loan and was told my score was at a XXXX which last I checked was at XXXX- XXXX between the 3 bureaus. when I pulled my credit report I found that DIVERSIFIED CONSULTANTS, XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX ( XXXX ) XXXX, had filed on all 3 bureaus stating that I owed a debt to XXXX XXXX for {$75.00}. also stating the account was opened XX/XX/XXXX. I only receive local tv from off-air antenna and have not had any tv services for over 7 years. I have NEVER been contacted in any way shape or form by this company. after numerous phone calls diversified and XXXX XXXX  it was established that there was no debt owed and eventually it was removed. unfortunately my credit score did not recover so quickly. now my credit score is barely getting close to where it was before the first false claim, and they have once again submitted their false claim this time for {$65.00} on all 3 bureaus. this is a non existent debt and they are trying to extort money out of me by sabotaging my credit in order to get me to pay for a debt I do not owe. My home can not even receive satellite signal due to line of site issues so there would be no way I would even have able to subscribe to their service in order to owe XXXX XXXX anything.

This has to be illegal. I ask that that the CFPB assist me in having this company cease and desist immediately on these false and fraudulent debt. I have done other research and have found that I am not the only one this company has done this to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed and satisfied my mortgage with AmeriHome on XX/XX/XXXX in which the total for taxes and homeowners insurance was paid for up front by the new mortgage company, XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$4200.00}. 

Since the new mortgage company ( XXXX XXXX ) paid for this balance in full, the original mortgage company ( AmeriHome ) owes me this money which they managed through the escrow account. According to their customer service department - a check was " supposedly '' cut and mailed via the US Post Office on XX/XX/XXXX. 

It is now XX/XX/XXXX - and I still have not received this, " supposed '' check. I have called AmeriHome numerous times, and each time I get a different answer, where someone either says, " Oh no, they just cut the check now. '' or " Yes, the check was sent in XXXX and we can't track it because it was sent through the US Post Office. '' When I ask to speak with a manager or supervisor who can resolve this issue, they say that they have to put in a request ticket and someone will reach back out. I have done this several times last month, and no one has called me back. I don't understand what is going on with AmeriHome, but this institution owe me my money and I want for this matter to be resolved asap and that I receive the check for monies that are owed back to me right away and with a tracking attached to it. This is professional negligence on behalf of AmeriHome. Their lack of transparency is a major issue and I demand for someone to address this issue right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Diverse Funding Associates LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was informed by letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX that XXXX  Mastercard Account Number Ending in XXXX was sold to DNF Associates. This account is a fraudulent account due to identity theft. On XX/XX/2020, I filed a Small Claims Case against XXXX XXXX XXXX XXXX in XXXX County, Texas. Case No. XXXX is supported by Police Report # XXXX, Officer XXXX, XXXX Police Department ( 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 2020-08-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Ive been trying to communicate with cit cards for several months now regarding an existing card balance. A low introductory rate expired in XXXX and because of financial stress, I was unable to pay off that card as originally intended. I explained to citi that i would like to extend the low apr or switch to a new card with low apr. Applied for a simplicity card and was told I could transfer to that card with 0 apr intro offer. Card was approved XX/XX/XXXX but never arrived. Called and asked for it to be resent. Told I would receive it within 10 days and that I could call back in 48 hours to do the balance transfer. Decided to wait for the card due to painful process of calling, going through automated confirmation, being transfered from department to department as was my general experience. Never received the card and called again 2 weeks ago. Customer service told me it was cancelled and i needed to reapply. Transferred me to applications dept. Applications told me no, card not cancelled, assured me they would work it out, just needed to transfer me again to another department! Got cut off in the process of being transferred, decided to keep waiting. Received an email statement for a XXXX  XXXX   ending in XXXX  on XX/XX/XXXX. Called again today to ask what is going on ... got a statement but no card and no information in my citi online account about this card. Told that the card was still pending in the system and that no, I could not do a balance transfer on this particular card and would need to apply for YET ANOTHER card depending on which one the marketing department decided was eligible this month! Offered to transfer me to marketing department but I declined because I dont want to make another credit card application for credit score reasons. Through these months, Ive also use the cit online app to chat with customer service multiple times, sometimes being dropped off half way through a conversation, and usually being referred to make a call. Ive applied for all the covid assistance online and got a deferral of minimum payments but am being totally jerked around regard trying to deal with my interest obligations for months now.

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 2018-04-14
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received two Loan quotes from the preferred in-house Crosscountry lender on a new home purchase XXXX18 that varied greatly and extra fees to recoup their {$7000.00} incentive. Told him that we could not do these loans. The sales office uses " Steering '' tactics to scare you into choosing the in-house CrossCountry lender. Looks like the Builder may have family connections with preferred lender. Is this why the builder " Steers '' customers here? Lender conveniently matched the outside lender and gave us {$7000.00} incentive to use towards closing costs once he knew we were going with outside lender. We signed off on the new loan estimate. Time passed to change lenders and then he " Crosscountry '' told us that we did not qualify for new loan. He once again charged the higher pmi from {$240.00} to {$300.00} and went from {$0.00} points to {$7000.00} in points. We did not agree to this. We agreed to move forward on the loan we signed off on. Our other lender was not charging points, lower pmi and was going to get us a credit to compete with in-house Crosscountry lender. Builder is keeping our EMD because we cancelled. We could not afford the extra pmi and we were counting on the {$7000.00} so called credit. We had XXXX credit rating, money in the bank and good jobs. How can a builder back you in a corner until you have no choices and make you purchase a property? Their in-house lender does not follow through and the consumer pays for it. There seems to be an inside operation going on here, Builder and Sales manager at Crosscountry same last name? Interesting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been receiving child support payments since XXXX of XXXX. ReliaCard from US bank has been refusing to assist me. I called several times over the year of XXXX trying to figure out where the child support payments have been going with no help from customer service reliacard. Every time they said I didnt have an account but I do, I just found out today that I do have another account and the rep told me that I had a balance but then put me on hold and cane back saying her supervisor said she can not help me any further. After giving me the wrong number, I feel there may be inequities with the ReliaCard system because Ive been on hold now for nearly 2 hours and money held for going on a year. That is highly highly unacceptable.

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 2020-08-24
Company: Nevada Credico, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found out about my collection amount just this XXXX when i was in the process of refinancing my house and it showed in my credit report about quantum collections. I never received any notification regarding this account, per quantum collections the mailed me a letter last XXXX which i never received and no attempt has been made there after. Upon learning about this i immediately settled my account with them in full amount of {$100.00} and asked to be removed from my credit report but they have not been compliant as they give me reasons that covid happened and their office was closed after they sent out a letter. They should have tried reaching out to me as soon as they opened and gave me a chance to settle my account. This is against the law, that a collection will just appear on my credit report without proper notification. I hope you respond on this matter as i have done my part as a consumer by paying off my account even though there were lapses on their part in notifying me. 

XXXX XXXX Quantum collections las vegas account no 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 2021-04-07
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Savings account XXXX was closed without notice or authorization. PNC bank engaged in unethical business practices by performing unauthorized closure of the savings account. This has led to multiple issues with auto-debit and auto-payment linked to this account. My preferred method of communication is via letter ( USPS mail ) or PNC secure message or via e-mail. Unfortunately, due to limited resources and to preserve account security, I'm unable to communicate via via telephone. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was closed with out any knowledge to myself not allowing me to access any funds and now I have to wait 10 days for and explanation and my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already filed a complaint over this company, and they said they were going to close this case and take it off my credit reports. Due to it being identity thief. 

I received a letter today XX/XX/2018, that they were going to open an investigation again. the letter was dated XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX from National Credit Adjusters called at XXXX on Tuesday, XXXX XXXX2020. Advised her not to call me this ealier in the morning as it is illegal to call before XXXX. Chantel stated she usually calls at this time of morning. Not true!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
made complaint about company to CFPB company placed a hard inquiry on report. This is a violation of improper credit use of consumer information

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 2019-08-29
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
In XX/XX/XXXX my XXXX XXXX was one month away from lease being complete. I was paying the car note. The Escape was impounded by XXXX for tickets. Since it was so close to time to return vehicle and I wanted to be transparent, by notifying Ford Motor Company Credit, they told me since they were title holder they could get car out of impound, they never told me they would consider this a default to my lease agreement. Once that was done they considered a default on my lease agreement and charged me for the entire amount of car. I paid over {$4000.00} then stopped paying in XXXX. This year I received a notice in XXXX XXXX that a judgement to garnish wages have been taken against me. I live in XXXX and have been for 8 years. They are demanding I pay {$8100.00} for this car loan to Ford Motor Company. They took possession of the car and I paid over {$4000.00}. They are threatening to garnish wages. This would devastate me considering I am currently a single income household.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ DATA INT'L INC XXXX, is violating my rights. as a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature,. 
The account in question is a debt buying company that is violating several FCRA FDCP statutes. 1692. ( b ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once 15USC 1692 ( f )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief