BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-25
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For two months ditech Financial LLC has failed to apply our mortgage payments to our account. This payment transaction is an automatic bank transfer from my checking account to ditech. There have been no problems with the transfers as my bank statement clearly indicates they 've taken the money on time every month. Two months ago I called and spoke with a service representative after my monthly billing indicated that I was behind on my payments. The rep explained that apparently their system had an issue but that we were current on our payment and not to worry the system would " catch up '' before our next billing period. My wife and I came home last week to find a notice on our front door instructing us to call ditech about a problem with our account. We called and talked to another service representative who, after some discussion, told us the system had a coding issue and while we were current it was n't being applied to our account correctly but had been corrected on XXXX/XXXX/2016. Today in our mail there was a notice from ditech claiming we owed them {$500000.00} and a second notice from a collection agency. So the long and the short of my problem is that I 've been sent to collection by ditech for mmoney I do n't owe them. A call to ditech again ended with me being told there is no problem. So my question is how do I fix the damage done to my credit scores by a company that seems to have no interest in repairing their problem and what do I do next month when this happens again? 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions 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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2014 I initiated a wire transfer for {$2500.00} on my Account with XXXX XXXX, account number ( XXXX ) to The Huntington Nation Bank, XXXX XXXX  XXXX., XXXX XXXX, XXXX XXXX, Oh., XXXX USA . The Account number at Hunting National Bank was ( XXXX ) and the Account name was XXXX XXXX. After Learning that I was a Victim of a Fraud and a Scheme on XX/XX/XXXX, I placed a stop payment on check no ( XXXX ) to stop the funds from being sent. On XX/XX/XXXX, I contacted XXXX XXXX XXXX  to request a Recall of the wire transfer and on XX/XX/2014 the Bank received a response advising the beneficiary did not authorize a debit to their account. Please see ( The United States of America v. The Western Union Company ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, we found out that we have a crumbling foundation and notified the bank/mortgage company ( i.e. Bank of America ) with the hope that they would help us in the process. We stopped payment because we were not going to be able to afford fixing the foundation and make mortgage payments. 

We applied for a modification in early XXXX. During that time period of complete shut down from the pandemic, it took XXXX  months to hear back from the bank while interest accrued. We were offered a trial payment modification program and made the 3 payments on time. I lost my job in XXXX and left another job due to unsafe conditions in XXXX. My unemployment was held up for 3-4 months and my husband 's hours were reduced. We were not able to make the XXXX payment to complete the modification program which then expired. 

We reapplied for a modification in XX/XX/XXXX, this application was received and confirmed by BOA. I followed up several times during the 6 months but that application disappeared. After many calls talking with different people, we applied for a third time in XXXX XXXX. Again, it took over 6 months to hear back from the bank. They offered $ XXXX over a 14 year period starting in XXXX. This would not be sustainable based on our annual household income. 

We contacted the Connecticut Housing Authority and spoke with XXXX XXXX who got in touch with XXXX XXXX, customer service, from BOA. They were going to appeal this decision and advised us not to make the payment until XX/XX/XXXX. XXXX said that we could make the payment over the phone and when we tried, we were told that we could only mail it because our account is in suspension. I would have sent it overnight but there is only a po box so I had to mail it.

BOA called and informed us that the payment was late and that the trial is null and void. I explained to the woman on the phone that we were advised by their own person and the HUD representative to mail on XX/XX/XXXX and that the postmark before XX/XX/XXXX was ok. 

Over the past few years, we have attempted to make payments online, over the phone or in person at a BOA branch, but the bank will not allow us to do this as interest continues to accrue. We are in a never ending circle, talking with different representatives who have different answers and suggestions along the way. We just wanted to get back to making our payments and we have continually been blocked. This is insane. 

To top this off, we are scheduled to get our house lifted and fixed starting XX/XX/XXXX and BOA is not working with us. We'll need to spend an additional $ XXXX to complete the repairs and we don't even know what the bank is going to do. 

Help us please.

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 2016-11-13
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Since the XX/XX/2016, I have been in the process of submitting documentation to Ditech Financial for loan # XXXX for the purposes of a new revised loan via HARP or HAMP guidelines. On XXXX XXXX, 2016, Ditech asked for and received on XXXX XXXX, 2016 ten different documentation Items. One of these were rental agreements that I am a partner in. I have not received any further notice about my loan status until today when I received in essence a refusal letter. I am outraged at this lack of communication and want to bring this to your attention as I have been very patient. The current loan indexes into a 20 year amortization and will increase the mortgage by XXXX. This indexing was never explained to me many years ago. I am now retired and can not afford this. My payment record with Ditech is impeccable but I fear this will not continue upon indexing. Lastly, I mistakenly sent them my lease copies and have spoke to XXXX, at XXXX, ext XXXX, about getting copies returned to me. I even offered to have them picked up, I was refused. I spoke to XXXX at the same # ext XXXX, he assured me he would take care of it, still no copies. I then spoke to their supervisor XXXX on XXXX XXXX. Again, I was assured the copies would be mailed out to me on the XXXX. Still no copies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Afni XXXX has failed to respond to my letters. I have requested validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from Afni and they continue to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
As of today XX/XX/2020 XXXX XXXX is still incorrectly reporting that I have an outstanding balance of {$1100.00}. This balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX a debt collection notice was received from XXXX XXXX XXXX XXXX XXXX. Immediately the letter was disputed and a Debt Validation letter was sent in response via certified mail return receipt requested. 

The company XXXX XXXX XXXX XXXX persist in the response that the debt is owed to them in the amount of {$2200.00}. They also state in the response " If you believe that we have reached this conclusion in error, please reference the information below '' offering nothing but payment methods to resolve their error. 

Attached is the original ACH transaction from XX/XX/XXXX to the original creditor for the original amount of {$2000.00} with no fees. 

This account should have never been sent to collections for it was never delinquet.

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 2017-05-30
Company: Franklin Collection Service, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Franklin Collection Serv ices did not properly notify me of a debt for a few months. When I heard from them in  XXXX  I called them. They gave me the address to dispute the bill. They did not allow me to dispute the bill and send it to my credit report. They say they wo n't take this off my credit report even though this is not a valid debt of just {$29.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: AFNI INC.
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a collection letter for a {$970.00} balance of a XXXX account. I 've never had a XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a lien on my credit report that belongs to someone else. It is from    XXXX    County , for a debt from New Mexico Taxation and Revenue, from years ago, and from a "  XXXX   XXXX  '' with a different social security number. I only moved to the  US  last year, and have never dealt with, or even visited,  XXXX  or New Mexico

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I contacted this office for the second time today, Friday, XXXX 2015. The time was XXXX. I advised the representative that they were reporting on my credit report for a debt that had been discharged in a chapter XXXX. He still advised that it was an attempt to collect a debt. I then explained that I was not to receive any more calls regarding the debt and proceeded to provide them with the filing attorney 's phone number. Her name is XXXX XXXX XXXX and her office in located in XXXX, MD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander is purposely charging my account extra fees in an attempt to make it difficult to pay down the principal of this loan. The vehicle was purchased in XX/XX/2018 for 36 months and as of today the pay off does NOT reflect the accurate amount as it is still over $ XXXX. 

All payments have been on time and in full but are not being applied appropriately. 

Santander is inaccurately reporting late payments to my credit that have not happened and mischarging late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/2020, at XXXX XXXX  ( CST ) I used my debit card at XXXX XXXX XXXX XXXX XXXX in the amount of {$730.00} to pay for a procedure. The procedure was rescheduled. That same day at XXXX XXXX  ( CST ) ( The void shows the time as XXXX XXXX PST ) XXXX XXXX XXXX XXXX XXXX voided the transaction. This is less than 1 hour and 20 minutes from the initial debit. It is now Thursday, XX/XX/2020, and Wells Fargo still is holding these funds. The funds were never received by the doctor 's office. The transaction was voided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XX/XX/2021, I contact the Hilton Honors program to claim my free night as per the credit card agreement and email from Amex on how to request a free night. I was told by Hilton that there were no free nights in the system. I called Amex and XXXX gave me the XXXX valid Hilton free night award certificate numbers, we then went on a conference call with Hilton. XXXX, from Hilton, stated that the numbers Amex was providing were not valid. On XXXX XX/XX/2021, I contacted Amex again and was told they were investigating. On XXXX XX/XX/2021, I contacted Hilton and they again said they numbers from Amex were invalid. What is the point of having a co-branded credit card with Hilton if Amex does not provide the free nights as promised? On XXXX XX/XX/2021, I again contacted Amex and was assured they are working on the case- but to contact them " back within XXXX days. '' It is unacceptable that what is described as a simple process on the Amex web page and the Hilton Honors site is not being followed by these XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
As of today XX/XX/2020 XXXX XXXX is still incorrectly reporting that I have an outstanding balance of {$1100.00}. This balance was paid in full.

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 2015-07-12
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I signed a mortgage contract with XXXX XXXX XXXX on XXXX XXXX, 2002. Thirteen years later, I discovered mortgage fraud within the Promissory Note although XXXX XXXX XXXX had sold the mortgage to REGIONS BANK, As a result, REGIONS BANK participated in lack of transparency through illegal book keeping entries and propriety trading and bundling mortgages into Special Purpose Vehicle trusts as Collateral Debt Obligations on XXXX XXXX. This fraudulent activity is known as " securitization '', where the mortgage was already paid upon the receipt of the alleged borrower 's signature. Evidence of this fraud is attached copies of the Promissory Note. Notice how Copy A ( which the Defendant first signed ) lacks the signature of a bank representative. However, a close examination indicates the fact that a bank representative of XXXX XXXX XXXX had unlawfully endorsed the Copy B of the promissory note as a check with the " Pay to the Order '' stamp on it not only after I had signed it, but had did so without my knowledge thereof whatsoever and then REGIONS BANK sent a copy of it during the foreclosure proceedings. As a result, the promissory note was reported to the United States Treasury and Federal Reserve Bank as an asset ( See Exhibits ). These banks have not reported any of this transaction to the INTERNAL REVENUE SERVICE. This is an act of fraud, extortion, racketeering and tax evasion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a checking account and see a monthly charge of {$5.00} labeled Online Bill Pmt Billingfee. I do n't know who is doing the debit and when contacting the XXXX with the Company ID I am referred to XXXX then XXXX. They claim I have been misdirected and I contact my bank again to no avail.

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 2022-03-15
Company: AR Resources, Inc. (FL)
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe my HIPPA PHI rights have been violated. I DID NOT AUTHORIZE the sale/maufacture/contract of my personal health with this company. I recently created an account with XXXX. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. AR Resources , Inc ( FL ) is the agency reporting this information. Once I recieved the information behind the collection on the XXXX portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " L10 '' is a complete lie. I was only at the hospital for XXXX pains. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the Hospital ( XXXX XXXX of XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. I need help settling this issue. The false medical reason of service is an extreme DEFEMATION OF CHARACTER. I am current awaiting response from HHS and FTC. Seeking litigation immediately. Please review my complaint as soon as possible. Thank you. THIS IS NOT A DUPLICATE COMPLAINT FTC Report - XXXX HHS HIPPA VIOLATION REPORT- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has been reporting the same information on my credit report for a while, I have had this information disputed on my credit report and it was removed. Every couple of years the information would appear on my credit report again. It is causing me a lot of problems. I am trying to purchase a house and this information keeps popping up. I have tried to contact the company but no response. I just want this problem handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX closed my account in XXXX of 2017. They did not tell me the account was closed and continued to report that I was missing payments on a closed account when I was actually making payments. When I called to ask why my account was reported as a closed account on my credit report, they lied to me and told me that it was open. It wasn't until I spoke with the dispute team that I was informed that the account was in fact closed. They also misappropriated a payment and redistributed it as miscellaneous funds. ( They initially denied this and said that my bank had taken the payment back. I pointed the information out to them when I got a copy of my payment report from them ). I would like them to remove the missed payments that are reported after they closed the account in XXXX of 2017.

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