BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-17
Company: DISCOVER BANK
State: IN
Product: Credit card
Issue: Late fee

Complaint:
I was recently considered late on a payment ( payment was made just after XXXX on the due date ). The payment was made on the due date and the cut off is arbitrary for an online payment. I make all my payments online and Discover is the only company that imposes this. The second complaint is the amount of the late charge being excessive. The balance is {$1000.00} and my average monthly payment has been {$36.00}. The late charge alone was {$35.00} and doubled my most recent payment. Last, the 18 % interest rate is outrageous. I have good credit and my credit score is over XXXX. I can get a lower rate if I apply for a new card. I do n't want another card with Discover. I stopped using it when they changed a due without notification causing a late payment. They also sent the account to a collection agency even though it was not delinquent and never had been. It took months to be resolved. So NO WAY do I want to do business with Discover. 

What I want is the late charge reduced and the interest rate lowered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This Credit Reporting Agencies information on the credit report for XXXX XXXX XXXX is incorrect and I demand be corrected immediately! 
Re : [ XXXX ] Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House Joint Resolution 192 of the United States Congress, passed in Congress assembled on XX/XX/1933. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Trans Union. 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY UCC 11 FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As soon as we were finished with loan modification and trial payments and signed the new agreement with Bank of America they soled the loan to a new servicer. And we do n't agree with there actions because according to FDCPA fair dept collection practice act the trustee and trustor need to agree on the new servicer, and we do n't agree on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$150.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 2016-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I went to the personal finance section of XXXX for a soft Credit check to see if I could possibly qualify for a loan, but I never ask for credit to be check and now I am receiving letter from different company with refusals. which inturn goes on my credit report. my problem is I did ask for this

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 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient, has never offered any solution into lowering my student loans currently totaling more than XXXX dollars making impossible payments with no forbearabce option, no income driven ( currently unemployed ) and putting payments to their convenience. As i was trying not to affect my cosigner they would apply payments to higher interest payments and would deny in the past the possibility of a cosigner release even when i had all the requirements. The amounts do n't go any lower and my work condition worsens as i studied in a for profit XXXX XXXX which also cheated on my expectations for my future. Basically ruined my future

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Payments are due the XXXX of the month ; payment was made XXXX - on XXXX received notification from XXXX that payment was over 30 days. This is the second month in a row that payments are not posted timely thus causing reporting to my CBR. I am already in enough XXXX and agony trying to maintain finances while my fianc lost his job, now to have my credit being damaged when I am trying to maintain. This is unacceptable - and 60 days to receive a response is not sufficient - this needs to be resolved for both months immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I got a XXXX XXXX XXXX from car hop in XXXX. I thought I was getting a deal since my credit was excepted. The car ended up having major issues soon after and was dangerous to drive on the roads. I contacted car hop and expressed the concerns with the vehicle and they offered to have the car fixed through their " authorized mechanic. '' They said they had multiple issues with the car fixed but the car was no better when I got it back. I stayed persistent with them to get the problems fixed but they just gave me the run around and did n't do anything. My pregnant wife and I ended up getting in a wreck because of the cars instability. I fixed the damage to it. My wife and I went to a XXXX dealership and got a loan for a dependable vehicle. I returned the Explorer to the car hop dealer and gave them the keys. I was dealt a complete lemon and my credit is currently being haunted by this horrible ordeal. Is there anything I can do to make this go away or make sure it does n't happen to other people in the future?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo received a verbal appeal on XXXX XXXX, 2015. This was the only time we were given to verbally discuss XXXX mortgages with Wells Fargo underwriter at a meeting set up by XXXX XXXX. On this date Wells Fargo underwriter, XXXX XXXX, requested our appeal to be written. This written document was never reviewed. 
Instead of a response to our appeal, our modification that we had just finished all the trial payments on, was being withdrawn because we had appeal request. This is the second time Wells Fargo has withdraw our modification when we asked for a review of the information they are using. Our trial payments have been made on XXXX different modifications. They have been completed twice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Ditech Financial LLC
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company went from XXXX to XXXX XXXX XXXX to Green tree and has been nothing but Inconsistent communication. As I have tried to establish some form of reasonable payment I have been tossed around like trash. If I was given different deadlines and always tried to reach them, leaving messages asked for a return call. It never happened. My payments were anywhere from XXXX down to XXXX and XXXX with ARM of XXXX % interest. This has been all over the place from the start, My home has been underwater for some time now, My husband and I have even walked from the home after filling Bankrupsy back in XXXX and returned after a year and half when given false hope the bank would work with us, not to mention the company that they had monitoring our home when we left, appeared to have taken all the copper piping. When Green Tree sends you paperwork, often you will recieve several copies from basic mail, XXXX, Certified. With messages to call, or will have unidentified people walking around your house snapping pictures and leaving notes on your door to URGENT! call Green Tree, and when you do, end up leaving messages with no return. I do n't want to loose my home, but this company is not really there to help. This process has taken my trust, my money, my serenity, with no desire to help ones that need it most.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I had a legal name change in XXXX and another legal name change in XXXX with a divorce back to my former name. I want the credit report to be in my current legal name and show the other name from XXXX as an also known as name. I have spend 2 years trying to get TransUnion to correct my name on my credit report. The only accounts I have have been reporting my credit in my current and correct name. TransUnion says they can not change my name, but I have to have the creditors report it to them. All the open accounts have reported as my current legal name, yet TransUnion continues to insist on refusing to have my current legal name as the primary name on their credit report and continue to use at the AKA name as primary. I am concerned that other persons with my former name at my former address may have the opportunity for identity thief. I do not want an old AKA name as the primary name. TransUnion continues to refuse to correct my personal information saying it is the responsibility of my creditors.

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 2017-08-15
Company: Experian Information Solutions Inc.
State: NM
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:
I became a XXXX XXXX XXXX XXXX XXXX veteran in 2009. As I had my physician at the VA signed off on my documentation, which I submitted to XXXX XXXX Loans. The documents were submitted certified mail return receipt also with a signature required. From 2009 to present I have not been able to have XXXX XXXX Loans remove from the comment section " Completed Investigation of FCRA dispute-consumer disagrees '' which is being reported 7 different times on my Experian credit report. I have tried to do everything possible to include but not limited to sending both Experian and XXXX copies of my certified mail receipt, signature card, and the letter from my physician stating that " I am a XXXX XXXX XXXX XXXX XXXX Veteran '' to no avail. In all seven student loans that I had with XXXX were the following amounts : {$930.00}, {$3300.00}, {$2800.00}, {$200.00}, {$2800.00}, {$3600.00} and {$4200.00}.

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 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I relocated to the XXXX area for work and rented a small apartment for XXXX months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX by XXXX in XX/XX/XXXX, XXXX years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XX/XX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX The same account that I had paid in XX/XX/XXXX of the previous year. I had contacted the company and was told that the account had a zero balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account XXXX months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a zero balance. I inquired as to why I was told by XXXX of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made in XX/XX/XXXX and remove this negative mark on my credit bureaus.

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 2016-09-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In early XXXX Wells Fargo Bank issued a credit card in my name to an unknown person at an address XXXX despite fact that my official address on the record is XXXX. A discussion withe an agent assured me the card had been identified as bogus but not yet closed and I had not been informed. I subsequently received a letter from Wells fargo which said " your card has been closed ''. Also received a zero balance statement which seemed to legitimized the card. I called and spoke with XXXX XXXX a supervisor who told me this is standard procedure. I told her I wanted a letter with the correct details.

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 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, XXXX, I disputed a report of a tax lien that was reported on my Transunion report by XXXX. My credit report of XXXX XXXX, XXXX, file number XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report as of XXXX XXXX, XXXX file XXXX. FCRA 611, Procedure in case of disputed accuracy [ XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

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 2016-11-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was due on XX/XX/2016. I was behind due to illness from family and was working overtime to pay. I just got paid on XX/XX/XXXX and was behind in utility bills, so I paid those bills and with next paycheck to be directly deposited on XX/XX/2016 I was going to pay my mortgage. To my surprise Navy Federal went into my checking account and debit my mortgage payment, without authorization from me or my husband. When I called the about it, I was told if my mortgage was 16 days past due, they had the right to go in and take my funds from my account, with no notification. Told me they had control over funds in my account and my account could be frozen with no access granted. I have been struggling to pay, but have paid. This will result in my other bills not paid, like utility, food. I could not believe they would do this, without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation