BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This case involve sending a principal payment of a $ XXXX cashier check funds received by Ditech ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) on XX/XX/2018 to my loan Acct number XXXX and it is being held in an unapplied funds account with them. The loan principal amount on the day of record was {$120000.00}. I also requested in my correspondence that Ditech complete the loan pay off with my escrow funds currently in the amount of {$710.00}. 

Ive attempted to resolve this matter several times with no success. On their statement sent out yesterday, it actually notes their Misapp. Below are my resolution attempts. 
-XX/XX/XXXX via the Ditech message center -No response -XX/XX/XXXX phone call to Ditech - Request noted, promise 3 day resolution.

-XX/XX/XXXX phone call to Ditech -Request noted, request in process -XXXX XXXX phone call to Ditech -Request noted , request in process -XXXX XXXX phone call to Ditech -Request noted, promised 3 days -XXXX XXXX faxing this correspondence -XXXX

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 2023-08-02
Company: CNG FINANCIAL CORPORATION
State: WI
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 was XXXX  when this account was opened and I have tried to contact the lender about this account with no assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Plus Four Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has listed 3 inaccurate debts on all three credit bureaus. The medical bills are from one doctor which was paid at the time of service when I visited the doctors office. I did call the office several years ago when I saw this debt was on my credit report and the nurse insured me that they would removed the debt. However since that time the doctor 's office has closed and I have no other recourse. I never owed this debt legally it must be removed from credit report immediately. The following dates and amounts reported to the credit bureau are as follows : XX/XX/XXXX - {$35.00} XX/XX/XXXX - XXXX XX/XX/XXXX - {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: POPULAR BANK
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Called Popular Bank on XX/XX/XXXX regarding maturing {$250000.00} 24 month CD due date XX/XX/XXXX ( originally tried calling in 7 days prior but unlike with other banks I have had CDs with was told their [ 'sticky fingers ' ] policy was to only allow redemption orders to be placed 0-9 days after maturity date - denying me interest on the float ).

Popular Bank representative took my request to transfer entire account balance including any unpaid accrued interest via ACH to my previously linked XXXX checking account. Verified all related account and routing numbers with the representative during this call. Was told the transfer would occur 2-3 busi
ness days from then ( another 'sticky fingers ' policy intended to create an unpaid float ). 

Called Popular Bank back on XX/XX/XXXX to complain that funds were not received. Was told that transfer had occurred XX/XX/XXXX and that I should check with XXXX. Asked the representative to start a trace. 

Called my personal rep at local XXXX account. Asked him to start a trace from receiving end. XXXX has since confirmed that there has been nothing sent or pending to any of my accounts matching this transaction. 

Note : this CD account was configured to sweep each month 's interest into the linked XXXX account, which was successfully done 24 times. There is no room for ambiguity about whether the correct information is in Popular Bank 's records for delivering these funds.

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 2018-08-24
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: Investigation took more than 30 days

Complaint:
After the death of the primary account holder I as the cosigner was notified that I had to pay the monthly payments of the student loans. I notified the loan holder that the individual that passed away had life insurance and that that would pay off the remaining balance of the student loans. This took time as the life insurance process took place and until the remaining balance was paid I was harrassed and marked as 120 days late in my credit report damaging my credit score and preventing me to qualify for a mortgage. please see attachment.

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 2018-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XX/XX/XXXX we were hit by the hurricane Harvey.  I live in XXXX. I called Capital One they gave me a 3 month extension in paying my bill. I used the three month extension and my payment was due in XX/XX/XXXX which I paid on time. My credit report is showing a late payment for XX/XX/XXXX. However, statements do not reflect any late payments listed on my XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX statement. I have contacted Capital one to get my credit report updated. They arestating that the late payment that is reporting for XX/XX/XXXX is correct. I did not pay a late payment fee for XX/XX/XXXX. The late payment that is reporting on my credit is  not correct and I would like to have it removed and my credit report for all 3 agencies corrected and updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: Client Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been bombarded with phone calls for someone I don't know. Numerous times per day EVERY DAY!! I have told them several times I don't know the person they are looking for and to stop calling my number. Only to have them say ok and call a few hours later from a different number. The name of the company still shows up but the number is different. I am seeking a work from home job and these continuous phone calls all day impedes on my ability to provide for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX Wednesday I used the service of Xoom money remmitance to  send money for my fianc in XXXX I used their service since I've been a customer for quite a while until this XX/XX/XXXX Wednesday that I used my bank account as auto debit transaction to be deposited to my fianc account using their assigned XXXX partner XXXX XXXX  XXXX to receive my remmmitance. On XX/XX/XXXX my fianc went to pick up the money and had her bank book updated. When she asked the teller to withdraw the said money transfer I sent her on ( XX/XX/XXXX ) they told her that the money is still on floating status and come back sometime XX/XX/XXXX if it's available. The reason I'm complaining is that I paid a bank to bank same day service to xoom and they have not done their part on this matter. Kindly address this complain the soonest for my family is in need of that remmitance for their food and medical needs. XXXX bless!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Bayside Capital Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a loan from XXXX XXXX XXXX. My bank account got hacked. My Account was closed. Im guessing bayside capital services bought the loan which is weird because I found out that XXXX is unliscened. I never received a letter of validation. Finally got a call and was told Id be served papers as someone will be coming to my house and employer ( illegal ). I call asking for a license. Come to find out they dont have one. Cant even find their website online, I had to ask personally. They claimed they sent validation which is false. They have called early as well which I also know is illegal. Im not sure this is a legit company Ive also seen very bad ratings. I notified XXXX   and they said they had no idea who these people are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of a collection account on XX/XX/2018 and Midland replied with letter dated XX/XX/2018, stating they didn't understand what I was requesting. My letter make it clear that I am requesting the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I believe this not my account and I want proof if it is and there ability to report this information on my report under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a mortgage with Wells Fargo back in XXXX, and the failed to work with us on a loan modification A complaint was filed back in XXXX. I notice that Wells Fargo has a settlement out there, but I was never contacted by them. I do believe I am part of the settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I signed up for Wells Fargo 's forbearance due to COVID 19 starting XX/XX/XXXX. For a period of time I was unemployed and trying to make payments, but unable to find a new job and signed up for the program. When I was able to find a job and catch up on bills, I wanted to make payments toward the past due amount to catch up before I was ready to resume normal payments. I have been doing so since XXXX of XXXX. Wells Fargo failed to fully communicate the fact that payments would not be accepted towards the unpaid amount until they totaled a full monthly amount. Example : If my monthly payment was {$1000.00} and I paid in {$800.00}, the amount paid would not be applied until I came up with the extra {$200.00}. 

Further more after the forbearance ends the {$800.00} still would not be applied, making it that much harder to catch up. Should Wells Fargo done a better job at communicating this, I would have been able to plan for this better. I feel this hinders my ability to recover financially from COVID, while Wells can leverage a greater amount of debt for their own interests.

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 2019-03-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a collection appear on my account from a company called Commonwealth Financial. I disputed the account with the 3 major credit bureaus and they responded that the debt was verified but they did not send me anything to validate the claim of me owing this debt/company. I then wrote a letter to the collection company " Commonwealth Financial ''.

One month and 1/2 later approximately 50 days passed and they never responded to me. I then sent them a 2nd letter which included my previous letter along with the certified USPS receipt validating the date of delivery to their office. They mailed me a letter on XX/XX/2019 indicating that the debt is owed but still refused to send me any supporting documentation to prove so other than a generic print out of a hospital statement. This negligence and improper reporting on my credit report is causing me a serious hardship. My Rights as per the Fair Credit Reporting Act are being violated because Commonwealth Financial has neglected to send me physical validation of this debt as well as they totally neglected the reasonable time frame allowed to respond to my initial request for validation. This reporting is truly destroying my rating and I am requesting that it be looked into and removed from my reports as soon as possible. I appreciate your time in this matter and I would like to thank you in advance. I would love the opportunity to submit all of my correspondence that I have mentioned above. 
Thank you-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FSA User ID : XXXX I would like clarification on the 90-day and 120-day late payments that Navient are reporting to all 3 major credit bureaus ( XXXX, XXXX, and XXXX  ). I have a federal student loan ( FFELP ) backed by the Department of Education ( Sallie Mae ) and per the C.A.R.E.S. Act - Coronavirus Relief, student loan payments have been paused/extended beginning XX/XX/XXXX until XX/XX/XXXX. However, Navient continues to request monthly payments from me ; they continue to charge daily interest ; and every month I receive payment reminders and no-payment received notifications. Since Navient is the servicer of my federal student loans, I feel as though my student loans should be eligible for the relief, regardless of how Navient categorize them. Per the Coronavirus Relief, Navient should stop collections on defaulted loans ; my loans are and were in default at the time the president signed the C.A.R.E.S. Act into law. Therefore, Im thinking that Navient should not be requesting payments from me at all on my federal student loans until after XX/XX/XXXX. 

The Dept of Education reports my Stafford loan as 2 separate loans - subsidized and unsubsidized, while Navient reports the same loans according to the date payment was made to the school, XXXX XXXX ( see attached ). Arent they the same loans? I only applied for one student loan on FAFSA. I am confused as to why one would be eligible for the pandemic relief and the other would not since they are one in the same.

Lastly, according to the Coronavirus Relief, under Which Loans Are Eligible for the 0 % Interest Rate, I feel that my FFEL loans are eligible for the relief. It states : FFEL Program loans owned by ED ( defaulted and nondefaulted ) AND - Defaulted FFEL Program loans not owned by ED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Teach Grant was converted to a loan. I called XXXX XXXX XXXX to make this situation right as I have been working in a low income public school for 2 years and they told me I didn't re-certify in time. I never received an email from them. They told me it's my job to check their email frequently for notifications. I'm still working in the same school teaching low income schools, so I am continuing to fulfill my end of the agreement. 

Secondly, my Public Service Loan Forgiveness keeps getting denied for things like : -the start and end date were on the same line -all pages need to be uploaded again even if you have already submitted a cover page in a previous upload

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: MA
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: Didn't receive services that were advertised

Complaint:
Yesterday, I placed a complaint at XXXX XX/XX/2019 Complaint # XXXX regarding 2 Personal Loans that were inaccurately reported as Constructive Fraud to me. SFFCU TOLD ME THEY DO NOT REPORT LOANS TO THE CREDIT BUREAU WHEN I GOT THE LOANS. Today, I received an email from XXXX XXXX, Assistant Manager at the Member Contact Center fax # XXXX SFFCU. 
He responded by saying I could call to address my issues. He put my CHECKING AND SAVINGS BANK ACCOUNT NUMBER IN BOLD NUMBERS IN THE EMAIL. MY phone was recently hacked. This creates Identity theft and is outrageous.WHY DID HE DO THAT? 
And what happened in my complaint number above lead to screwing up my credit0 do to their Constructive Fraud on the Overdraft loan 80 and the Personal loan 81. I now can not purchase a car NOW. 
XXXX XXXX is greedy and needs to be fired .... training his Personnel to do Constructive Fraud with my age to make money for the bank making look XXXX  to do Constructive Fraud. SENDING MY BANK ACCOUNT NUMBER OVER THE INTERNET I COULD REPORT HIM TO THE POLICE. HE IS A FOOLISH MAN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: RK Chevrolet Subaru
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX XXXX XXXX made seven hard inquiries without my permission and now i cant pull a loan out in my name

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 monetary relief