BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: STATE FARM BANK, FSB
State: NV
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:
XX/XX/XXXX My vehicle which was bought in XXXX was refinanced by State Farm Bank, I do make my payments electronically without any skips and after finishing my payments last month, this Bank has brought another bill of {$2500.00} to pay because the price of the vehicle is different from the place where it was financed which doesn't sound right .All the calculations were done by you the financiers and I'm suppose to finish my payments last month so why should they bill me extra and where is this money going? 
Moreover they're asking me to pay it within a specific time frame other than that they're going to add an extra 9 % interest to it .I feel very bad for this Bank because what They're doing doesn't sound right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Capital One N.A . -Alleged Creditor actually a misconduct debt collector who violated Federal Consumer Laws FDCPA. 
My house was stolen by a well-orchestrated group of people from a BK Judge XXXX XXXX to debt collectors - collecting not on a real estate loan but an unsecured debt. The debt collector XXXX XXXX XXXX dba XXXX XXXX, Captial One N.A., XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX servicer of XXXX. 
Please refer to my letter for the illegal seizure of my home - all debt collectors violating FDCPA to seize my home and equity. I was eligible for Quiet Title and was continually bullied and endured Legal Abuse Syndrome. I am handicapped already ; I receive SSI. These people took advantage of my condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with Santander Bank in XX/XX/XXXX. Bonus of {$220.00} would be paid after requirements are met. I RECEIVED {$170.00} Bonus on XX/XX/XXXX. I called them and they said they would sort it. This did not happen. 

Also on the XXXX XX/XX/XXXX me and my friend who refereed me to Santander should receive {$50.00} each per there bonus offer. This will need addressing if we have not received it by then.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: MN
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:
Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the fair credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1.Defamation 2.Negligent Enablement of identity Fraud 3. Violation of the Fair Credit Reporting Act Sincerely,

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 2016-12-13
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We did a mortgage modification or HARP loan to refinance our mortgage with Greentree XX/XX/2014. They added a principle increase on our loan of {$2900.00} and {$680.00} on XX/XX/2014. This was right after we signed the contact for the modification. We were told that this would not cost of anything and were never given a truth in lending disclosure when we refinanced the loan. I am told this is required by law. 
Since this principle increase was added to our account we asked on several occasions what these charges were, and breakdown in writing where they arrived at these figures. We asked several people in several departments over the span of about 5 months. Around XX/XX/XXXX we stopped asking and were unsure what to do next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has received 3 payments from us on XX/XX/2016, XX/XX/2016, and XX/XX/2016 on our new home loan. Payments that were sent in on XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016 we were told that we had not made those payments. Just after our first payment was discovered that they did not receive, they sent us a check in the mail for that amount. Later after we repaid those funds and another payment and then got another check for {$5400.00}. I was told by Ditech that they switched everyone 's account numbers but we were never notified. When I did call, they did not have the correct mailing address in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were formerly with Greentree, then they changed their name to Ditech. We have been trying to modify our loan since XX/XX/XXXX. We have submitted information multiple times, and have scanned documents to support this. I would be more than happy to transfer all of the documentation to you, but there is a LOT. We received a letter from them that finally after multiple faxing and sending paperwork in via certified mail on XX/XX/XXXX that they had finally received all of the necessary information. Then on XX/XX/XXXX we received another letter stating that our request was denied as " we had n't sent in all of the pertinent information. On XX/XX/XXXX we uploaded a completely new packet ( 3rd try ) and were told today that the file was closed on XX/XX/XXXX and that our account has now been transferred to XXXX ( a new company ) We want to keep our home. We are very delinquent, not because we have not tried to fulfill their requests, but rather because we are getting the run around. We have received letters every other month with a different account representative, and multiple requests for information that we already sent in and have fax confirmations of receipt. Any assistance you can provide would greatly be appreciated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX CT 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 non-monetary relief
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: TN
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:
The credit reporting agencies such as ( XXXX XXXX, equifax, XXXX, XXXX XXXX, XXXX XXXX, etc ) are reporting accounts, dept, and public records on my personal credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to me.

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 2022-05-13
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
My credit score was XXXX and is now XXXX because there has been a charge to my card of {$1800.00} on XX/XX/2021 and XX/XX/2021 for same amount, both reported by XXXX XXXX and was notified by XXXX on my XXXX XXXX account. I will only use my card for food/fuel and other small miscellaneous items. Havent traveled to TN in months or even use my card there where XXXX XXXX is located.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I place a cease an desist for all phone calls on my account with then Green Tree Servicing, the company has since been changed/sold to Ditech Financial LLC. My account was not sold so the cease and desist remains. I have written documentation of submitting this cease on XX/XX/XXXX through Green Tree 's website and confirmation that the message was sent successfully. I also have a copy of the message that was sent. Today, XX/XX/XXXX @ XXXX XXXX, XXXX ( employee # XXXX ) contacted my on my cell phone # ending in XXXX. I advised her I have a cease on all calls and she tried to tell me this was not documented other than for my work phone #. This is incorrect. I let her know I would be filing a complaint and disconnected the call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Ditech Financial LLC
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband took out a line of credit home loan for {$25000.00} in XXXX and paid $ XXXX monthly to XXXX. He discovered in XXXX that it was an interest only loan and started paying {$500.00}. XXXX purchased the loan and he continued to pay {$500.00} per month until XXXX. Based on his payment rate he knew the loan was supposed to be paid. When he continued to receive statements, he filed a complaint with the XXXX. He received a letter indicating that XXXX had filed for bankruptcy and after a full review it was determined his loan, balance was XXXX. In XXXX, he began getting statements from Green Tree. After watching the continuing frustration of my husband I spoke to Green Tree and apprised them of the situation. I indicated that my husband had paid the loan off. Recently I started getting statements from DiTech reference this loan. It appears the DiTech is in the business of debt collection and found this loan and is attempting to collect it although it was paid. 
My husband is a XXXX veteran XXXX and I do not want him harassed by a debt collector on a debt that he nor I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Monterey Financial Services LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up with XXXX and was put on a payment plan through Monterey Financial. On the XX/XX/XXXX I called XXXX and asked if I could pay in full. They took the payment and told me to disregard communication from Monterey Financial. On the XX/XX/XXXX Monterey Financial called me. I explained to them that I paid in full and I need them to remove the late  payment that is now on my credit. They were abusive and rude and I asked if I could prove this. I emailed them my receipts and contacted XXXX. XXXX informed me they would take care of the mishap on the following Monday, XX/XX/XXXX. Monterey Financial called me on Monday, XX/XX/XXXX and said i need to email the receipts again. I informed them that I spoke with XXXX and they will be following up with them later that day, and any information they need they can get from XXXX. They were even more abusive and rude to me. I asked them not to call me ever again. They called again, later that day. XXXX informed me later that day that everything has been cleared up. I informed them I need the late payment taken off of my record and they said that should be fixed when Monterey Financial finishes processing. I received another call from Monterey Financial on Tuesday, XX/XX/XXXX. I am tired of being harassed for payments i don't owe. Please make them stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to Equifax, XXXX  and XXXX a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on XXXX  's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX XXXX advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process.

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with XXXX and the equivalent with Equifax and XX/XX/XXXXwith the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with Equifax, only a choice of a few fixed statements was available with XX/XX/XXXX and I have found no option with XX/XX/XXXXthrough their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
THIS IS NO WAY MINE. I HAVE DISPUTED MULTIPLE TIMES, AND NEVER GOTTEN PROOF, OR ACTUAL INFO YET THEY SAY THEY CAN VERIFY IT. IDENTITY THEFT. PLEASE REMOVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a bank text stating I would no longer receive alerts and had to register online. I thought that was suspicious. Got online and noticed an amount of XXXX pending.i knew it wasnt me or my spouse. I panicked and called Chase bank immediately. The person on the phone stated he would freeze my account until I could prove who I was. Informing him I was out of town but would do it immediately arriving home. So on XX/XX/XXXX I went into the bank and the banker said he couldnt see why someone would transfer that amount into my savings so he said will close your checking and 3 savings account. At this time I informed him I only have one savings. Upon further checking he noticed that someone opened 2 online accounts and was trying to transfer the money into this accounts. So he closed the accounts and made me a new checking and savings and transferred the funds into those accounts. The next day I tried using the accounts to find out they were frozen. I went back to the banker he said he wasnt supposed to open those accounts and now its under investigation and to this day I still dont have my money. I started a claim and when n I call to follow up everyone is telling me a different story. The new account happens at XXXX Ca. Chase Bank XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have been disputing errors on my credit report on accounts thats reporting inaccurate information on TransUnion, XXXX and XXXX  for last 6-8 months all three reporting bureau are all different with different information. I feel violated and discriminatory by what is being reporting unable to buy home or access credit. I feel its reporting incorrectly because they make money to report inaccurate information and I suffer the consequences. I have disputed information such as 2 XXXX XXXXXXXX, XXXX collection account I gave written consent for those companys nor did I ever had dealings with. All inaccuracies thats reporting from three credit bureaus are in violation of my consumer rights. Each time I dispute it comes back as meets guidelines or accurate with no proof. XXXX and XXXX XXXX  listed as charge off with past due balances which inaccurate on all three reporting agency i really feel they are discriminating because I of my demographic I feel like this is being done intentionally. I work hard to keep my credit in order but just want move because of the inaccuracies thats being reported. What is the point to have consumer laws if the reporting agency not abide by them and can do whatever they like to people.

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 2019-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
I had a payment due XX/XX/XXXX. I paid it in the evening ( local, Mountain Standard Time ) on XX/XX/XXXX. The payment processed XX/XX/XXXX, and Bank of America charged me the late fee of {$39.00} on XX/XX/XXXX. I called to request the fee be waived, and they declined. I believe this is an unfair and possibly illegal practice to charge the fee BEFORE checking to see if a payment has been made. Had they processed the payment first, the fee would never have been charged.

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