BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-25
Company: Ditech Financial LLC
State: FM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a Loan Modification granted after 3 years working with XXXX different Banks first was XXXX where I was offer a modification, a trial period was set for 6 months where I was paying about {$1700.00} a month for 6 months when I finished the 6 months the bank did not grant me the modification and send me a letter telling me that they will not longer service my loan and will be transfer to Green Tree where my principal was increase in {$140.00} and also the Interest to 6.125 % I accepted this modification since I work very hard and give a substantial down payment my payment was set to be {$4100.00} and 3 months later increase to {$4200.00} then to {$4300.00} and 20 months later to {$5400.00} where it was impossible for me to make this payments. I contacted the Institution Green Tree and they said they will try to HELP me modifying the payments back to the original {$4100.00} but I have to continue making payments at this point I ask my relatives for help and they help me for over 6 months where Green Tree one more time offer to modified the loan and go back to the original amount off {$4100.00} but This never happen and the loan one more time was transfer to Ditech Financial where My loan Number and the rest of my information never change only the name Green Tree to Ditech Green Tree was name in XXXX large class action Law suits where recently I was add to be part of the claim against them for irregularities on my loan. 
Dithech send me a letter inviting me to a meeting organized in XXXX XXXX for different banks to help people like me with Mortgage Problems where I was inform by Ditech personal that my loan HAD MANY IRREGULARITIES and one more time was offer a modification They ask me one more time to submit all the paper work via fax witch I did but they keep telling me that they did not received them at this point I begin to send all the documents via CERTIFIED LETTER at least 2 times this time they accepted that they received them, but coincidentally I just reconceived a letter from Ditech telling me that since I have not pay my mortgage for 6 months I am not eligible to be considered to modified my loan. I send every paper the requested by Fax and also by certified mail at least 2 times in the past 6 moths but one more time they refuse to gave me a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: VA
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:
I have not supplied proof under the doctrine of estoppel, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt in fact exists. There has been no response or update to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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:
RE : Inaccurate Reporting to Credit Bureaus Account # XXXX Toyota Financial Services XXXX XXXX XXXX XXXX XXXX, IA XXXX Toyota Financial Services is reporting incorrect balance information about my Toyota account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued Toyota customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform Toyota Financial Services of accurate credit bureau reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Ditech Financial LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This loan originated in 1987 and was originally with XXXX XXXX Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX  2017    faxed letter to  XXXX  requesting removal of bankruptcy and tax lien on credit file as I was not aware of the source of their information on the bankruptcy and judgement. I received a response dated  XXXX    XXXX  ,2017 that  XXXX   XXXX  reported the information as discharged and that  Case number /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the   XXXX   credit file in which I do not have knowledge of what that case is.   On  XXXX   XXXX ,   2017   I sent a reinvestigation request with a letter from Michig an Federal Court stating they do not supply information or validate inform ation with the credit bureau 's.   XXXX   replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.

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 2017-05-09
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On   XX/XX/XXXX  I  made an  XXXX  purchase through Paypal. When the item arrived it was not what was advertised in the listing. On   XX/XX/XXXX   I submitted a dispute through Paypal. Paypal did not find in my favor & essentially let an   XXXX   seller perpetrate a scam.     I 've been trying to close my  Paypal account ever since. I keep encountering electronic problems online. I finally called Paypal  o n  XX/XX/XXXX  & w as told by someone in the  XXXX  they could not close my account b/c there was a pending charge. I checked & this was a lie. The charge had already cleared my bank. I called again  on  XX/XX/XXXX  & i nsisted they close my account. Once again they lied & told me they could not close the account b/c there was a pending charge.      Does Paypal th ink I 'll continue to use their service b/c they 've refused to close the account?????

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 2016-06-27
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For years, XXXX/XXXX/XXXX, we have instructed DITECK not to pay AAA FLOOD Insurance, which we are not required to maintain anymore, See # 1. Diteck finally sent us a confirmation letter dated XXXX/XXXX/XXXX, about our loan not longer requiring flood insurance, See # XXXX & XXXX. YET, THEY, AGAIN, PAID XXXX {$670.00} on XXXX/XXXX/XXXX, see # XXXX. We have also contacted XXXX for the last 3 years. Our last call on XXXX/XXXX/XXXX to XXXX Representative " XXXX XXXX '' informed us that their records showed we had called and requested a " Voluntary '' policy we did not need. XXXX is maliciously and illegally renewing our policy against our will and Diteck is being negligent when paying XXXX after been notified and documented of the problem. PLEASE HELP.

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 2017-03-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech reported my account as " Bankruptcy '' rather than " Cash for Keys '' settlement. On XX/XX/XXXX, in the XXXX XXXX XXXX XXXX Court in FL, CASE No. XXXX, Ditech-Green Tree agreed to pay me {$4000.00} upon vacate the property and waive the deficiency. Ditech has neglected correcting my correct account status to the XXXX consumer credit agencies despite my several calls and formal request via certified mail on XX/XX/XXXX. Ditech also has neglected to close my account and provide the XXXX form for XX/XX/XXXX taxes. On XX/XX/XXXX XX/XX/XXXX, I took Ditech to the XXXX XXXX Court to enforce the court order payment of {$4000.00}. Judge granted me the payment and filed a sanction against Ditech in my favor of {$500.00} for my expenses. I am asking for your help. Ditech needs to be more responsible and accountable providing timely and accurate information to their customer, public, and consumer credit agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a new checking account wi th Wells Fargo  on  XXXX   XXXX    XXXX  . They had a promotion going on which was if you deposit money into your account and make  10 different tr ansactions that you will receive {$250.00}. It says you should recieve the money before 45 days, no later. I 've met all the requirements and have n't recieved anything. I went to the branch where I live and they said that the offer expired, which they were right it did expire but not until  XXXX   XXXX , I already met the requirements before then. My husband opened up his account and did all the requirements when I did and he already recieved hu sband 2 weeks ago. I called customer service and they told me I would be recieving the money that day, that was 2 weeks ago. I 've tried calling again to let them know I have n't revived anything and th ey told me I was n't eligible. So now I 'm confused on if I 'm getting lied to or if they do n't have the funds. I met every requirement, so I 'm confused as how I 'm not eligible.

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 2017-05-09
Company: EQUIFAX, INC.
State: DE
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:
On  XXXX   XXXX ,  2017  I noticed a collection for {$200.00} had been added to my credit reports. On  XXXX   XXXX  I called each credit bureau and disputed the collection. Just 8 days later on  XXXX   XXXX  I received notice via email by Equifax that the investigation was completed. I viewed the results and seen it had not been removed. I then called and asked for a method of verification via FCRA Sectio n 611 and what information was used to determine it was my debt. Equifax did n't provide this information, instead restarting the investigation. Again about 5-7days later saying the debt was " verified ''. I called again and asked for a supervisor and as ked again for documentation to verify how my debt was determined . Again nothing. I then sent a certified letter request verification, which under the FCRA Section 611 ( a ) ( 7 )   should be provided to me within 15 days of requesting which was n't and instead AGAIN instead of providing this information, they again restarted an investigation. Since then, both  XXXX  and   XXXX   have removed this debt from my reports, yet still it remains on Equifax. I also have contacted the original creditor which provided me with a statement. As you can see on the attachments, neither my address nor does the account number match that of which is being reported, which by law means it should be removed from my credit reports, which only Equifax fails to do. I believe unlike the other agencies, Equifax failed to provide a real investigation, because in doing so, they would have seen these mistakes and removed this collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received a default/foreclosure notice from Ditech Financial for being {$32.00} off in a prior payment. Ditech has not provided any details in the reasons for the change in payment amount and when I called said that I could pay the {$32.00} only if I paid a {$12.00} surcharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: RIA FINANCIAL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Date : XX/XX/2021 Amount : XXXX USD The company ( Ria Financial XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) XXXX XXXX XXXX XXXX ( XXXX  ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY They sent this money to my name in XXXX on XX/XX/2021, but the money was not yet deposited to my bank or personally to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I entered a consumer credit transaction on XX/XX/2021 with Chrysler capital I was approved for a 2021 XXXX XXXX XXXX online the website instructed me to take my approval to the dealership I picked which was the XXXX XXXX and XXXX in XXXX, mi. I went to the dealership I was told by finance manager I was denied. I contacted Chrysler capital and they sent me a letter stating I was denied for insufficient credit history. They violated Regulation B CFR 1002.4 as it prohibits discrimination regarding any aspect to a credit transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Fairway Capital Recovery, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mother was in the XXXX XXXX XXXX in XXXX, Ohio after XXXX. She left the facility in 2013 after having paid in full all personal expenses ( private room, telephone ) that were not covered by her medical insurance. Months after her discharge the facility sent her a bill for {$560.00}. She repeatedly sent them copies of the 'paid in full ' receipt. After more than two years since her discharge XXXX XXXX has evidently turned collection of this {$560.00} over to Fairway Capital. A caller phoned my mother several times a day for a week and, because she is XXXX, he evidently became frustrated and very nasty. Mother gave the caller my name and phone number. XXXX XXXX XXXX called me on my cell phone twice last week during work hours leaving a voice mail message claiming he was from Fairway Capital calling to collect {$560.00} from my Mother. When I returned the call I attempted to explain this is no debt as the expenses were paid in full, and I offered to provide proof of payment. XXXX XXXX XXXX said there was a debt and it needed to be paid in full or actions would be taken against myself and against my Mother.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Concord Resolution Inc (Closed)
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a ROBO call from XXXX stating i was a person of interest. When I called the Company he Indicated he was from XXXX XXXX XXXX a debt collection company. Company Rep asked for my personal information I refused and stated that if this is a collection company simply mail me a VALIDATION OF DEBT, Company Rep refused and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-09
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have had a checking account with  XXXX  Bank since  XXXX , and refinanced my outstanding credit card debt into a personal loan with  XXXX  Bank in  XXXX . I have diligently made my monthly payment via automatic payments since disbursement, with no missed or late payments, and have paid extra when I 've had the ability to. My father very recently passed and a result my financial situation has drastically changed in order to assist my family with both the expenses of his services as well as the household expenses while we grieve. I have tried to adjust the automatic payment from my checking account to my loan account  ( $  XXXX  on the 6th of each month ) multiple times, and am consistently given the run around. My branch tells me I need to call corporate, and corporate tells me I need to go to the branch, and each of them tell me it would require me to fill out paperwork and submit a request to adjus t my due date. That being said, I have continued to make the payments on time without complaint. This month, however, having this pull would have caused an extreme financial hardship. I called the branch and explained I did not authorize the ACH to pull this month as it would leave my account overdrawn with no funds available for  XXXX  weeks, and I was told the request would be submitted and it would be all set. However, the ACH was still pulled and now my account is in the red. I called  XXXX  Bank 's customer service today and was told in no uncertain terms that there was absolutely no way for me to have them reverse the transaction despite me revoking my authorization. According to TD, I would need to request adjustment/cancellation paperwork  XXXX  business days in advance, complete it, and then mail it back for review. Even if I were to request it now, my  XXXX  payment would still most likely pull as they are making it impossible to make ANY adjustments. I desperately need the   XXXX   XXXX   ACH reversed as soon as possible and some sort of realistic method of adjusting my ACH when necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22
Company: Netspend Corporation
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
A company has refunded my money in the amount of XXXX. They have provided documentation that they have refunded the money to my account. Netspend is saying they have n't received the money and told me they would n't make a decision on my claim until XXXX XXXX, 2015.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-05-09
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is with  XXXX , my wife and I leased a townhom e in XX/XX/XXXX with a    one year  lease at the time we were told that we had to use  XXXX  in that area because  XXXX  were not allowed. We called them for tv,  internet service  for a year and i n    XX/XX/XXXX   I called them and ask them to discontinue service which they said they would and ask me if I would keep  XXXX  and I explained to them that their services were not available in the area we had purchased our new home. the in  XX/XX/XXXX  I received a bill for upwards of {$600.00} I called and they said I had not returned my equipment, I thought we had but I went thru everything left and found the equipment and returned the equipment on t he  XX/XX/XXXX . I then go t a bill for {$360.00} and was told everything was not adjusted and they said you did not pay the last month and I explained to them I pai d 2 pay ments in   XX/XX/XXXX  a nd did not owe them, now they have informed that my call to them to disconnect the service in   XX/XX/XXXX  did  not count as they billed me for both  XX/XX/XXXX  and I guess half   XX/XX/XXXX a nd said they could bill until I returned the equipment I ask for a copy of this in my contract that was signed with me and was told thats what the notes say I dont think that is much of a contract I was also told they would review the phone call where I called to cancel but now they say they no longer have the phone call, I have spent several hrs time on this and would like to have this corrected at once.   XXXX   XXXX   XXXX    was th e mgr I spoke with, she also called and left me a message and ask me to send her other documentation that we had moved when I called and she would see if she could get this corrected I have called several times and left messages and have not received a call back.

Company response to consumer: Closed with non-monetary relief