BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been mailing my mortgage payment to Ditech for three months and each time the payment is mailed back to me with no explanation. Upon calling Ditech, I am being told I did not include the late fee and per FHA if all fees not included the payment can not be processed and must be returned to the homeowner. I then include the indicated late fee with the original mailed payment and mail back to Ditech only for the payment to be mailed back to me with a new late payment fee that was n't mentioned before. This has occurred three times resulting in my mortgage now being late for several months. I feel Ditech is purposely causing my mortgage to fall behind in an effort to foreclose on my home. My loan was recently sold to Ditech from Greentree Mortgage and since being with them I have had nothing but problems. My loan was modified with Greentree about two years ago. I can not believe I am having this much trouble mailing in my money for my mortgage payment. I have never heard of this so-called FHA new rule Ditech is speaking of and nor have I ever had my payments returned for late fees. The XXXX payment in the amount {$600.00} was returned to me XXXX/XXXX/17 and per the representative, XXXX, Ditech wanted two months payments and that was the reason for the return. In XXXX I mailed {$1200.00}, which was returned to me. I phoned Ditech and spoke with XXXX, she indicated the late fee was not included and that was the reason the payment was returned. I included the late fee and mailed back to Ditech in XXXX. In XXXX, the payment was returned again to me. I contacted Ditech, spoke with XXXX XXXX on XXXX XXXX, 2017, she indicated the payment was returned because I mailed {$1200.00} and the payment is now {$1300.00} I am not sure what or where the fees are coming from. With the returned check there is no correspondence explaining the reason the check is returned. I have to call and find out each time what is going on with my mortgage. This is ridiculous. Ditech is holding the payment for a month and then returning the payment for non-payment, when in fact I am mailing the payment and they are sending it back to me. I do not want to lose my house because of a corrupt mortgage company or system.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo sent my statement late, I paid the bill, and then they sent me another statement with a {$29.00} late fee and {$19.00} in interest on {$770.00} bill I paid in full that arrived seven days late. I called to request they waive the fee and interest and they declined. Given their history of creating false accounts and charging unsuspecting customers fees and interest on accounts they didn't know they had, it doesn't surprise me if they intentionally sent out my statement late to charge me fees and interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-31
Company: NELSON AND KENNARD
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An attorney 's office acting as a debt collector has been assigned a debt that has been reduce to judgment. The debt has not been collected upon for nine years. I have tried to communicate with collector. But the refuse to discuss account ecause they say my social security number does not match their records. I have disputed account and asked for verification but they have not responded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am having difficulty resolving an issue listed on my credit report with SANTANDER CONSUMER USA, a creditor. I have attached a copy of the account for your review. Here is an explanation of my account : " I fell behind ( twice ) on my car loan and it was repossessed in XXXX, XXXX and XXXX, XXXX. A fee of {$370.00} was added to the account for both occurrences. I paid my car off, of the principal balance in XXXX, XXXX. In XXXX, XXXX, the car loan continued to be extended ( for fees incurred by the creditor ), even though my principal balance was paid in XXXX, XXXX. The payment changed from {$240.00} to {$200.00} a month, during this process. In XXXX, XXXX, {$7.00} showed as the remaining principal balance. XXXX, XXXX, the same amount showed as a principal balance of {$7.00}. It continued and in XXXX, XXXX, the balance was still {$7.00}, even though I paid the principal off in XXXX, XXXX. I paid the {$7.00} on XXXX XXXX, XXXX. The balance as of XXXX XXXX, XXXX, now shows {$0.00} cents. When my counselor and I called SANTANDER CONSUMER USA, they said they are keeping the account opened with a {$0.00} cent balance so they can collect over {$1000.00} in fees. I believe this is not only unfair, but negligent on the creditor 's side. I have already paid the balance in full and the creditor continues to charge me fees. I am seeking to resolve this matter, with your help and request the fees to be removed entirely and make the balance on my account reflect zero on the credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Lending Club Corp
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Long story short my dentist referred me to a loan company to pay for some dental work ( XXXX for XXXX ) he would do for me the next day. The loan was funded for {$7000.00} to the dentist. Before the close of business that very same day I called the dentist and spoke to his staff to say I changed my mind and I did not want the to do the XXXX. The next morning I called the loan company and the loan company said they could NOT cancel the loan since the money already went to the dentist. I called the dentist office to tell them this to ask for a refund of my {$500.00} in cash I gave them the day before and they said the dentist would call me. Well he called me 3 days short of a month later and said he " incurred some cost '' before I cancelled my appointment. He said he would cancel the loan with the loan company and give me a partial refund of my {$500.00}. This never happened. I have called his office many times since XXXX XXXX when this first started. Now the loan company is calling me to pay off the loan. I did not receive anything for this loan and I did not receive the money. My dental insurance company paid the dentist approximately {$150.00} for the examination that day, so he can not claim he received nothing for my visit that day. I received nothing that day. The loan company is calling me up to 5 times a day including Saturday and Sunday. That is the basis for the claim these collection calls are not fair, the dentist has my money, and he has now contributed or the loan company to negative information on my credit report. 
The following is a longer version with some additional information : On the morning of XXXX XXXX, 2016 my dentist, XXXX XXXX XXXX, after a brief examination, said I had a broken crown and I needed a XXXX. In fact he said I could use XXXX on the other side of my mouth. After he told me that the total cost is {$7500.00} I told him I did not have enough money. He referred me to his staff to secure a loan with the Lending Club. I signed a paper and his staff spoke to the loan company on the phone, I did not talk to them at that time. 
My initial examination was XXXX XXXX, 2016 and the loan was funded that BEFORE the procedure ... .about three weeks later I received a letter from the Lending Club saying " sorry my loan application has been DECLINED, yet now they are calling me for payments when they gave the money to my dentist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-18
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I noticed on my credit report that there was a strange addition of negative information, so I called the company listed. They identified themselves as BC Services upon my phone call on XX/XX/XXXX. I asked what the debt was that they were reporting and they claimed to have called my number in XX/XX/XXXX. I have no record of contact at that time, nor do I remember speaking to any debt collector. I asked to speak with a supervisor and the supervisor was aggressive. I told him that I would need further verification of the debt so I can make an informed decision as a consumer. I told him I would be sending a letter requesting more information and his reply was that " I do not need to send a letter ... I can verify whatever you need over the phone. '' I proceeded to send the letter anyways so I could get the information I needed in writing. Today, XX/XX/XXXX I received a letter in response which was XXXX pages ( attached ) that tell me have no basis to verify both the debt, nor the information needed to verify BC Services right to collect on this debt. Their letter also indicated " Enclosed are the statements provided by our client that confirm the charges ; '' however, the letter did not include any statements. They only list that the charge is from XXXX XXXX and each of the XXXX pages indicates a different dollar amount. I feel that the creditor is trying to collect on a debt they do not have a legal right to collect on, based on the avoidance of submitting to me proof that they currently hold the debt and they have a legal right to collect on the creditor 's behalf.

Company response to consumer: Closed
Consumer complaint received 2015-04-06
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I own a home which was destroyed during XXXX XXXX that is now in default. I have found a buyer ( for the value in the land as there is no value in the dwelling ). I sent the settlement check from my insurance company to Greentree Mortgage via overnight mail. It arrived at their payoff department ( address I was given by Greentree ) on XXXX XXXX. They have not deposited the check and have been sitting on it for two months. Both my attorney and I have been calling and getting the run around. We are both completely exasperated! My buyer is ready to walk away and I can not afford to lose this deal. It is not easy to sell an uninhabitable and potentially structurally unsound home. Greentree representatives have made so many promises about getting this taken care of and nothing has come of it. I called again this morning ( as did my attorney ). It appears that they have deposited the check but only a portion of it. There were supposed to deposit the full amount and give us a payoff statement so that we could go to closing and be done with this nightmare.. They had agreed not to charge fees and interest from the XXXX/XXXX/15 date as it was their fault that they were not applying the monies from the insurance check. They applied the portion of the check improperly and have charged all the fees. This is beyond ridiculous! They have had my money for over two months and the end is still not in sight. XXXX goals I am looking for here : 1. Apply the full insurance check back to the XXXX XXXX date, 2. Send me a payoff statement so that we can go to closing ASAP! Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: AMERICAN HONDA FINANCE CORP
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
A month before my lease ended, I traded in my XXXX XXXX XXXX to XXXX. XXXX paid off the remainder of the car to XXXX ( XXXX in XX/XX/XXXX ). XXXX assessed a turn-in fee for {$350.00} ( plus XXXX tax ) on XX/XX/XXXX. I did not return the vehicle to XXXX. Therefore, they should not have assessed a turn-in fee. 
I attempted to contact XXXX using the method they specify on their website ( called XXXX ) during normal working hours - XXXX to XXXX per their website. The automated system said they were closed and offered no other way to contact the company. I found no way in the automated system to dispute the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a bestbuy credit card and made an online purchase the same day. The card was mailed to my condo instead of my mailing address. It got returned by the post office. I called bestbuy to setup an online account so I could make a payment and they would n't let me do it without giving them the full card number. Now the payment due date has passed and they will not accept my payment over the phone unless I give them my checking account number. 

my issue is that I 'm late with a payment because they did not get the card to me. I still do n't have the card after XXXX months. They were able to do a purchase over the phone but ca n't assist me in setting up my online account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I authorized a payment from my CapitalOne 360 checking account to my CapitalOne credit card on XXXX/XXXX/16 in the amount of {$200.00}. The credit card processed this payment on XXXX/XXXX/16 and then attempted to take the payment out again on XXXX/XXXX/16, resulting in a notice of insufficient funds. I had not authorized this second payment and can not get an answer from the company as to why they attempted to take money from my checking account twice. 
In addition, this credit card company imposed a 17.9 % interest rate on my card without notification. This rate is much higher than what was projected when I signed up for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received paperwork stating that a lawsuit is going to be filed against me for a debt that I do owe on. The cover letter from the company states I need to contact them to resolve the situation more amicably. I did send an email with the draft of a settlement letter, and I will follow up by sending the letter via certified mail. I want to pay the debt ; this is one of the last ones I need to resolve. This letter is dated a few weeks after I received the first debt validation letter. 

I believe the company is using this as an intimidation tactic to collect money for the creditors it 's representing. I am willing to work with the company to resolve the debt, but I do feel that in this instance they 're in violation of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
At the urging of a store clerk at the XXXX XXXX Kohl 's, I opened a Kohl 's charge account in order to save extra money on a purchase. I purchased something in XXXX 2015, but never received any bill. In XXXX XXXX, 2015 Kohls ' called and said I was late with my payment. I immediately payed the bill with them over the phone and asked if there would be any adverse impact on my credit report. They said there would not be, but they apparently reported the overdue balance to the credit bureaus a day or two prior to calling me,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Privacy

Complaint:
I just lost my job and now I have time and wanted to consolidate my bills, call the credit card companies and set up payment plans. I called this number XXXX on XXXX/XXXX/16 at XXXX. A man answered me and asked for an account number which I could not give. He said something about it had to be transferred to customer service, then there was dead air. I said 'hello ', 'hello ' and no one answered, I got nervous so I hung up. I did not bother calling back. I did call CFPB as I wanted to make sure that what I was doing was right. I spoke to a very kind lady who gave me good advise and gave me a number to non-profit financial advisors should I wish to seek advise/guidance. 

At around XXXX, and my aunt sent me a message asking me to give her a call once I got to Pa. 

I called my aunt once I was in Pa and she told me that there was a court summons, the neighbor called my uncle because the neighbor did not want to sign the court summons addressed to me. 

I guess someone signed for it as my Aunt had the copy of the summons. I feel that my privacy was violated. It seemed fishy to me that I gave them a call, someone answered, there was dead air and suddenly someone showed up with a court summons dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred from XXXX on XXXX XXXX to Ditech. I have been making my payments on time. I received a letter from Ditech stating there is an escrow shortage of {$7900.00} on XXXX/XXXX/XXXX and stated that the payments would increase from {$850.00} to {$1000.00} on XXXX without explanation as to how there is a shortage on my account. I do n't understand how my payment for my escrow account could go up from {$100.00} to {$330.00} without a reasonable explanation. I tried calling to resolve without success and no answers to my situation. I received a history of account and it was so small that it was hard to read so I requested a new one that was in print I could read and they refused. I was able to tell that the account history does not provide an explanation for the escrow shortage. I did speak with XXXX towards the end of XXXX and I was told there was in fact an error made and I would have a response by the XXXX of XXXX and I called today with my counselor and the case is still in investigation. I sent a letter to request that the information be corrected or that an explanation be provided on XXXX/XXXX/XXXX and have still not received a response which according to regulations should have happened within 30 days. My first payment for the {$1000.00} is due this month and I do not have extra money to pay this higher amount ; this was expressed to Ditech and they said I still have to pay the full amount even though they have taken longer to investigate the case. My housing counselor spoke with XXXX and stated that I had no shortage on XXXX XXXX when it was previously serviced from XXXX. Counselor called Ditech during appointment and spoke with XXXX ID # XXXX who stated that I did not have an escrow shortage prior to loan transfer from XXXX in XXXX of XXXX and believes this is a mistake. Counselor asked that the issue be fixed before payment accrues late fees on the XXXX of XXXX, XXXX stated that the full payment must be made and stated the amount for the escrow would be refunded when it is resolved but I do not have extra money to pay {$200.00} more this month. I am now reaching out to you to help me resolve this issue with Ditech because I have not been able to get the issue fixed and they have not given me a date by when they will have this fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We mad a payment to Ditech for our mortgage and the mortgage company put our payment onto someone elses account. This payment was done over the phone with a conformation number given. This payment also shows a debit out of our checking account. We have been in contact with them for 4 months about this and they say they are taking care of it and have not done so. It is still showing that we did not make our XX/XX/XXXX payment.

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 2016-12-31
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After working with Ditech Financial LLC for several years to get a settlement, they approved the settlement, but left only a few hours for the settlement amount to be submitted, and then denied the settlement for being late with the amount of settlement. As well, I was charged for insurance from their provider, at the same time paying for insurance from my personal provider, and receiving collection calls at all hours of the day and night. Please investigate this matter. Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief