BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Santander consumer USA I purchased a car from them and I paid on it for 4 years regularly, and I eventually sold the car because of mechanical problems. 

My new lender paid off the loan, and there was Gap coverage remaining that was due to be refunded to me. 

The amount was, I believe, {$320.00}. 

It took a very long time for the check to be issued, and ultimately it was mailed directly to Santander who said that they held on to refunds like that for another 30 to 45 days as a matter of policy. 

I used my debit card to dispute the {$320.00} out of the last payment because they were holding on to those funds. 

A few weeks later, they did send me the refund check and I cashed it. 

First, they called me and told me that I owed them {$500.00}. 

Then, today they called me saying that I owed another {$400.00}. 

I told them that I could see my way into paying {$320.00}, but not the other {$75.00}. 

And I told them if they wanted to get the money from me then they would have to take me to court or to mediation. 

The representative insisted that what I had to do was pay for XXXX and interest will still accruing otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We made a payment on XXXX XXXX, 2016 for our XXXX XXXX, 2016 mortgage payment. The payment was recorded as a principal payment and not our regular payment. We always add additional amounts to be applied to the principal. 

We have called ditech multiple times asking them to record the payment correctly -- interest and principal plus additional principal amount. We have received a different answer every time. We were assured the payment would be recorded correctly by a certain date that has come and gone. Our account is showing past due and we always pay our bills on time and we do not trust this company. They will not send us any documentation of our correspondences. I tried over and over last month to set up a auto pay and it failed every time to set up correctly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of 2006, we refinanced our loan with Ditech, which became Greentree, and now is back to Ditech. In the course of the loan process there was a " Quit Claim Deed '' that had been signed and notarized to remove our son off the title. He is not listed on the mortgage. Ditech or the title company did not record the " Quit Claim Deed '' from what we can tell. It is in our copy of the loan documents, but is not a recorded copy. We have contacted Ditech, and they sent us a copy of the " Quit Claim Deed '', and now claim they do not have it and will not look into the situation further. We believe they know a mistake has been made because it was not recorded. My husband has died and we will be selling the house, however, my husband 's son will not sign the paper again. So I am trying to get someone to look at the original documents for the notarized copy and see if it was recorded as we have not been able to find it through the XXXX records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my husband became very ill. I was the primary caregiver and took care of him until he unfortunately passed away XX/XX/XXXX. After that I was impacted by the hurricane and my damage was lower than my deductible so I had to pay out of pocket. Due to these two issues I fell behind in my mortgage. I then began a medical transportation company and as we were growing our clientele the COVID pandemic happened and we had to reorganize our entire operation. I sent a modification package to my lender on XX/XX/XXXX. On XX/XX/XXXX I received an email asking for information regarding a monthly payment to XXXX. XXXX is an insurance policy that I must carry based on the transportation I provide. I sent in the XXXX policy and a letter of explanation. I was also asked to clarify income from a prior review. I sent in a letter of explanation regarding the income. The income was rent that my children were contributing to the household. Since my company is profitable and I no longer need the income, my children are no longer contributing. Although, I sent this in I received another email XX/XX/XXXX asking for the same documents. Again, I sent in the policy, letter of explanation and explained in the email that XXXX is an insurance policy and not a line of credit. On XX/XX/XXXX. The same documents were requested. We again explained, they again asked for the credit line information regarding XXXX. At this point, we would like the lender to read our explanation and put us into underwriting. We are unable to convey to the lender the information they are asking for. XXXX has no credit line, it is not debt. Thank you.

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 2015-08-05
Company: Ditech Financial LLC
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Green Tree Financial calls up to XXXX times a day starting on XX/XX/XXXX. My mortgage was discharged in BK and I am current with my payment. I always make my payment at the end of the month and pay the late fees. The payment is not 30 days past due .Between this number and one other one, I can receive XXXX calls per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It first started in XX/XX/XXXX when I made three payments that month. We had been paying $ XXXX/ every two weeks, so in XX/XX/XXXX it worked out that we made 3 payments. They took the XXXX XXXX payment and applied it to principal and escrow. This was supposed to be for part of XX/XX/XXXX 's payment. Since then we have been considered a half a month behind. The in XX/XX/XXXX we had a returned ACH transaction on XXXX XXXX. We call on XXXX XXXX to notify the bank and they tell us it should go through twice. So we make a half of payment for XXXX and on XXXX XXXX we see another withdrawal labeled DiTech retry payment. We assume that this is the XXXX XXXX payment that was rejected. Now they are saying that they did n't get any money XXXX XXXX, only the over phone payment from XXXX XXXX. We faced them XX/XX/XXXX with bank statements and a letter from the bank showing the XXXX transactions. They came back and said our letter was n't legal enough and our bank statements were altered. We submitted again XXXX XXXX and have n't heard anything. I call and leave messages speak to agents all with no turn out or answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: WELLS FARGO & COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed with the three credit bureau 's many times and had zero luck getting anything updated or accomplished. I have spoken many times to Wells Fargo associates in executive office as well. I applied for a mortgage earlier this year and was turned down because of a Wells Fargo Credit card charge off that is reporting on my credit report. I do not think this debt is accurate or mine. I had to settle for half of the debt in order to move forward with a mortgage. Wells Fargo collection department said it would update to paid in full. It is still reporting inaccurately on my report. The charge off date is incorrect because I paid the card in full in mid XXXX. The credit limit was {$1900.00} dollars. The balance was at around {$900.00} that was paid in full in XXXX. The highest amount reporting {$2100.00} dollars, of which I have paid {$1000.00} to settle a bogus debt. Now I also had a checking account with these folks which was my only account that I used to make payments to this credit card account. Every time I have tried to get credit card statements ( I have never received a statement since early XXXX ) I am denied and routed to the " collections '' department. I have also tried on the checking account side of things to gather statements from the old checking account with no luck. I know there was no payments authorized for this card since I paid the account in full in XXXX. One representative said that payments continued to be applied to credit card from " savings '' account all the way into late XXXX. The worst part is I didn't even have a savings account with Wells Fargo or any debt against this credit card for that matter. This has cost me major time, money, and stress. I had to settle for a higher mortgage rate, I have hired agencies to clear this up, and I have spent my own man power to try and tackle this issue. Please help a consumer out against these corporate scammers.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: TX
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 has violated my right 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 a account without my written instructions it also says the account is still open which is inaccurate

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 2015-11-16
Company: High Point Asset Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Someone at this number left a few automated vm saying to call back to avoid repercussions. I called back, They told me the last XXXX of the ssn they had on file stating they are collecting for a loan - think a payday loan, however .... they can not or will not tell me who the original lender supposedly was. Said I owe {$550.00}. I can offer them a settlement. They have my cell phone # and last XXXX of my ss # and said they know I have a bank account at a credit union. I have asked them if I find that it IS a valid loan and I pay this - - how do I know they wo n't come back with another XXXX. He said he ca n't guarantee that since they do n't know the lender? How can they collect on an unspecified loan? I cleared up the few nightmare payday loans I had taken out in XXXX 
Thank youCaller is " XXXX '' @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX Bank of America Loan # XXXX When Bank of America was the servicer that told me untrue and incorrect information and then later tried to take my home. This has caused me to lose the 2 % HAMP modification that I previously had. See attachment for details. 
Bank of America clearly misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: U.S. BANCORP
State: OR
Product: Credit card
Issue: Transaction issue

Complaint:
I have a credit card with online bill pay through Fidelity. About a month ago, I set up an electronic funds transfer ( EFT ) connecting my XXXX XXXX checking account with my Fidelity account so that I would be able to take funds from XXXX XXXX to pay my Fidelity credit card bill. When I tried to pay my credit card bill balance on XX/XX/XXXX, I received an email from XXXX, the company that processes payments made through Fidelity 's online bill pay, I was told that there were insufficient funds in the XXXX XXXX account ; however, my account had nearly {$9000.00} and the bill was for {$860.00}. There have been no record that Fidelity or XXXX ever tried to withdraw any money out of my XXXX XXXX account. Meanwhile, XXXX continues to send me threatening messages that I owe them money. I spoke with representatives from Fidelity, XXXX and XXXX XXXX simultaneously on the phone and they all blamed each other. On XX/XX/XXXX, I spoke with XXXX with XXXX XXXX who said he 'd call me back in 24 hours. He did not. On XX/XX/XXXX, I spoke with XXXX, who said that a manager would call me back within XXXX hours but was unwilling to resolve my problem. Fidelity has been nothing but unprofessional and unscrupulous throughout the entirety of this transaction.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: OH
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2015-06-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on EQUIFAX, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. XXXX I have never had any account with XXXX. XXXX They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have attempted to reach out to OCWEN and work with them on a modification due to being unemployed for close to 7 months. The mortgage company has giving me a difficult time and the run around and has not given me an answer as of yet. I have filled out and sent in the paperwork on numerous occasions due to them indicating that they had not received the paperwork. A few months back they shared with me that I could have filled out the information via online, so I did and they still indicated that they had not received it. So, it was recently faxed to them per their request. And, they refuse to accept a payment or any form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: GOLDMAN SACHS BANK USA
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Goldman Sachs Bank USA has violated 15 USC 1691 ECOA. By not extending me my credit with my credit card I used for this transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: AFM Financial Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AFM Financial of XXXX, NJ., is holding a medical debt I owe. Our agreement is that I apy {$50.00} per month. I normally receive a letter/ statement monthly that reflects payment & balance. 
I have not received a statement for the last two month 's ( XXXX & XXXX 2016 ). When I contacted AFM, they stated if I miss a payment, or am late with a payment, they are no longer required to send a statement, that it is up to me to remember to make payment and it is up to me to keep track of the payments made and updated balances. I was late with my XXXX payment ( I inadverently placed the check in an envelope for another bill ). When I discovered this, I contacted AFM and spoke to an associate, a woman I believe named XXXX. I informed her what happened, that I was mailing the check as soon as we hung up which I did.XXXX thanked me and stated that in looking at my account I was diligent, had not missed a payment previously and would make note on the account of our discussion & actions.XXXX thanked and I thought that was it. I called today ( XXXX/XXXX/2016 ) and spoke to a XXXX.XXXX informed me that he is not required to send a statement any longer once I miss a payment. I have had issues over the past year with not getting statements and answeres varied to it 's going out shortly, to it was mailed ( never stated the mailing date ) I was also informed todat by XXXX his system shows multiple missed payments.That is not true and now wants me to go back and provide bank statements, which I will but it is unfair.If a payment with a creditor is missed you normally would receive a second notice, etc.That has never happened.I should receive a monthly statement, I feel this unfair and abnormal.And I have record them to protect my credit or for tax purposes.I am also on long term XXXX/ social security due to the medical/ health issues that wound up with a balance from a hospital that is the cause of being placed in collections.Under XXXX I have a 50 % reduction in my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
In accordance with the fair reporting credit act XXXX XXXX aka XXXX account # XXXX violated my rights. 

Under 15 U.S.C 1681 section 602 states I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15U.S.C 1666B ( A ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
When I called a representative kindly agreed to have dis inquiry removed from my credit reports cause dis inquiry is frand and I want it removed ASAP XXXX XXXX  PERSONAL LOAN

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