BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-23
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA AND SEVERAL CALLS AFTER DNT CALL AND CEASE AND DESIST ORDERS, HAVE VOICE AND ALL PHONE RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Sir, My service provider was changed 3 months ago. The new provider is demanding that I pay my escrow now even though it has been already paid up to XXXX XXXX, 2016. I do n't pay property taxes because I am ( XXXX VA ) I pay just the insurance. I told them that if they would look at my records with the old servicer they would see that to be the case for years every since I received my modification. I tried to explain that to the new representatives but they do n't agree with me. Your CFPB XXXX told me to file this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have tried over and over for years to deal with XXXX to pay but they would never agree on a payment I can afford. They will keep calling my job, my cell phone non stop 3 times a day. It 's frustrating and also destroying my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Just reading about a suit brought against Navient and XXXX with respect to borrowers rights. I have had, and still do have, loans with Navient. In an effort to speed up my loan repayment and minimize the interest earned against my loans, I had set up biweekly automatic payments through my personal bank ( similar to what most people do with their mortgages ). For example, if my student loan bill for a month was {$100.00}, I would make two payments of {$50.00} prior to the due date of that month 's bill. This repayment method, however, created significant issues with Navient and caused me to incur several months of late payment fees which I would have to fight in order to have them removed. Not to mention, I was not able reduce my debt burden by reducing the principle to which interest would be accrued against. The issue lies in the fact that while I would only see a monthly bill for {$100.00} ( using my prior example ), Navient would actually view it as multiple " bills '', depending on how many loans I had with them. So my {$100.00} bill may be viewed to them as XXXX loans with monthly payment balances of {$40.00}, {$30.00}, {$20.00}, and {$10.00}. So if I made an initial payment of {$50.00} towards my monthly bill of {$100.00} to Navient, they would apply the {$50.00} first to any outstanding penalties. Next, they would take the remaining and apply it towards the interest due for the month. Finally, whatever may have been left over would go against the loan with the highest principle remaining. Sticking with my example, and assuming no penalties, my initial {$50.00} payment may cover the interest due ( say the interest was {$35.00} ). The remaining {$15.00} would go towards the loan with the highest remaining principle. My second {$50.00} payment would also go towards the loan with the highest remaining principle. Although I have fulfilled the amount due on my monthly bill, Navient views the other XXXX loans as not having been paid for the month because the monthly principle payment for those loans was never satisfied in my two payments of {$50.00}. The next months bill would reflect a late payment penalty as well as a balance due for the previous month. This went on for several months until I had to finally give in and resort back to a single monthly payment. I could n't afford the risk of having to call every month to fight for my payments to be distributed correctly in order to have any late fees and penalties removed. 

I can provide documentation of bills that received the full monthly balance due but still incurred penalties due to Navient 's mishandling of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: R & B Corporation of Virginia
State: VA
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:
On ( XX/XX/2016 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
i do not accept the answer they gave and wish to dispute their answer

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 2016-01-03
Company: PMAB,LLC
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Recently I visited an ER, and later my insurance company, less a {$35.00} deductible paid the bill. 

Yesterday, I tried to rent an apartment and was asked for a larger deposit, due to the recent tradeline placed on my reports by an unlicensed to conduct the business of a collection agency in the state of Arkansas, Professional Medical Adjustment Bureau. 

I obviously dispute the alleged debt, but was given no opportunity to dispute because this debt collector did not send to me, within five days of its initial communication to me, my XXXX rights under the FDCPA. 

In my circuit, reporting to a credit bureau is a communication to the consumer and considered debt collection activity. See, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( " '' The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver. Consistent with the view of the FTC-and consistent with the views expressed in XXXX, XXXX, and Semper-the court finds that XXXX was engaged in " collection of the debt '' in violation of XXXX ( b ) when it reported XXXX 's disputed debt to the CRAs before sending verification of that debt to XXXX. " ) ). 

XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( W.D. XXXX XXXX XXXX ( Reporting to credit bureaus is a communication within the FDCPA. ) ). 

Banks v. XXXX XXXX XXXX, XXXX WL XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ) ( Rejecting the argument reporting to credit bureaus is not debt collection activity ) ). 

This collection agency has violated the FDCPA and the Arkansas XXXX, by failing to be licensed to conduct the business of a collection agency in the state of Arkansas, but nonetheless communicating with me through my credit reports and attempting to collect a debt from me via my credit reports. 

If this illegal reporting is not removed from my reports, I will file a private action in the United States XXXX for the XXXX XXXX of Arkansas. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Ditech Financial LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have had significant damage to our home from rain and hail. This occurred XXXX XXXX, 2016. The insurance company responded promptly to inspect the damage and issue an initial check payable to us and Ditech Mortgage ( a XXXX XXXX ). The first check was issued XXXX/XXXX/2016, After receiving the WRONG information from Ditech, the check was sent to them for endorsement. They sent it back for us to endorse first. We did not receive a check from Ditech until XXXX/XXXX/2016 after providing receipts and bids to complete the work. 
Ditech withheld 5 % of the funds at that time, which they can not give me a satisfactory reason why. The processing time is suppose to be XXXX to 10 days. I am told they are busy. The customer service is rude and they repeatedly hang up or take 20 minutes to transfer me to claims. 
A second check was issued on XXXX/XXXX/16 and overnighted to Ditech for processing. On XXXX/XXXX/16 the requested progress pictures which were sent immediately. Bids, XXXX ; s, lien waivers have been faxed. Windows and garage doors are custom made and can not be ordered without partial payment. Still Ditech is dancing around with sending the funds and as of today they can not tell me how much and when they will send the funds. They just send a new letter with some other required document and delay processing. The roof was completed on XXXX/XXXX/16 and funds have not been sent to complete payment. Windows leak the garage doors do n't work right and they tell me they are busy. This is XXXX. Everyone in our neighborhood has had damage from this storm in XXXX. No other mortgage company has been as hard to work with than Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
This is a credit card fraud case beginning in XXXX 2016! I orignally reported the fraud charges to usaa in XXXX 2016! Total fraud charges of over {$3000.00} were added to my credit card balance due, of which {$26.00} were charges belonging to me! Most fraud charges have been credited to my balance due except {$670.00} which were transferred to my balance due payment for XXXX 2016. After reporting fraud charges I have repeat- edly talked to customer service, fraud dept. attempting to reach a conclusion and a " XXXX '' balance! A letter, e mails were sent asking for verification ( transactions ) of balance due! 
At this time usaa has not responded and the calls to c/s has been promises and no results!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-26
Company: XOOM CORPORATION
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Hi, On the XXXX/XXXX/16, I hired a Xoom Money Transfer to take care of a international money transaction. here is what happened ; I loged in the Xoom Web Site and requested the money be deposited in the savings account to a person in XXXX ( PS : the savings and checking account are the same number but when making the deposit there is a option where you want the money, saving or checking ) and they made the deposit in a checking account. The person that was expecting the money called me right away when he got the message on his cell phone saying the money was in his checking account, immediately I got in touch with the Xoom Money Transfer saying the money was deposited in a wrong account ( checking account and not to the saving account as requested ) and they told me not worry about it because they was going to refund the money. The reason I request the saving account was because the person in XXXX owes money to the bank and he cant do any transaction with the checking acccount until he resolve the situation. A day after, the Xoom Customer Service asked me to provide an bank statement to prove the checking and saving account are the same number, traying to justify the error ( that sounded as something is wrong ) but again, the customer service attendent said not to worry about it, and another day is gone. Today XXXX/XXXX/16, after 2 days on the phone, basically all day long, they told me that probably their partner made a mistake, the transaction was to checking account and not to savings account and asked me to appolagize them but they could not do anyting. I got so up because I made businnes with Xoom Money Trasfer and not with their partner and also because I called them immediately after the person noticed the money was in wrong account and they could had the transaction cancelled in the same day. Now I m having hard time with the person in XXXX, he is asking me to make a new transfer. Ps. The Xoom Money Transfer customer attendent confirmed that my request was to make the money transfer to a savings account and them I asked for a copy of conversation records but they said is not allowed to provide the records. All I want is to ghet the money in the account that was required in firt time. I cant be responsible for somebody elses mistake. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Credit card
Issue: Other

Complaint:
This is a general complaint that I would love to see CFPB take up. I find it outrageous that credit card companies often do NOT show us our running balance on our credit cards. I just called USAA because the numbers were n't adding up and even the friendly guy who answered had to calculate all my expenses one by one because he could not see the running balance. It 's 2015, there 's no reason these banks can not keep a running balance. This only increases the chances for manipulation and is a complete lack of transparency. I think we should make it ILLEGAL for credit card companies to not show the running balance. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I settled a debt around XXXX / XXXX. I have recently understood that for some reason, the USAA banking department is not aware of what the settlement department has completed on my account, and they still wrongly consider my past account with them as outstanding etc. It is difficult to get it handled when I call in and I wait on hold and get passed around.

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 2015-09-16
Company: Diversified Consultants, Inc.
State: GA
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:
HELLO, I HAVE NEVER HEARD FROM THIS COMPANY, NEVER HAD ANY COMMUNICATIONS WITH THEM ; AND OUT OF THE BLUE, THEY REPORT ME TO CREDIT COMPANY, XXXX XXXX DOLLARS. THEY HAVE VIOLATED MY RIGHTS TO VALIDATE OR DISPUTE THIS ISSUE AND WHEN I SPOKE TO A CONSULTANT, XXXX, HE SAID THEY WERE MAILING IT TO MY PREVIOUS ADDRESS WHICH IS UNTRUE, BECAUSE MY MAILS FORWARDED TO THIS ADDRESS MY ACCOUNT NUMBER WITH THIS COMPANY WHICH THERE REP GAVE ME IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had our XXXX mortgage with XXXX for quite a while and while with them, we had our payment set up to be auto drafted out of our account on the XXXX of every month. The payment, I was told, was not considered late until the XXXX so we set it up on the XXXX. It was taken out this way for years. The mortgage was sold to Green Tree Servicing ( now XXXX ) back in XXXX of this year. I called them and asked if I could set the mortgage payment set up to be auto drafted on the XXXX as we had done with XXXX. They said that would be fine. I asked if the payment would be late, and they assured me that it would not be if it was paid by the XXXX. Almost every month since XXXX XXXX XXXX has had this account, someone from their organization calls me wanting to know when we will be making our mortgage payment. I have had to call almost every month to explain that we have our payment set up as an auto draft and why are they calling? They usually say they are sorry and that they will not be calling in the future. Starting yesterday I started getting calls once again from XXXX and quite frankly I am at the end of my rope. We have NEVER BEEN LATE WITH THESE PEOPLE yet they do not seem to get the message that we have this payment set up to be auto drafted out of our account, which it has been every month on the XXXX, and that I do not want to be called about a payment that is automatic. I have been told by people at Green Tree Servicing that they should not be calling me and that the calls would stop. Yet, they never do. I do not know what else to do about this and I am so frustrated that I can feel my XXXX XXXX going up whenever I see their number on our caller ID. When I do talk to them and ask them why they are calling when we have our payment set up to be taken out automatically, they usually say, " Excuse the call. '' But I do not want to do this every month of my life going forward.

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 2016-02-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am sick and tired of getting credit card, loan, and insurance mail from USAA. I 've called these XXXX and told them I 'm not interested in there products, but I still keep getting mail from them. I want it stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Conituous calls to collect debt that is over card limit? I am current on payments and have NEVER been late for tha past ten years. But they call from " Collections '' asking how I can resovle my debt. I ask am I late? Did I miss a payment? The answer is no " But '' its over the limit and want to know if i want to make a plan or arrangements to get the amount below the allowed credit limit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Credit determination

Complaint:
Verified with your office about Federal law in place to deal with such conduct Both American Express and XXXX Bank violated such law by refusing to issue me credit card based on loss they experienced with my name over 8 years ago. 
According to your office, 7 years can be reported or acted upon but not beyond. 
My credit score around XXXX which enable me to get credit with other banks. 
Both American Express and XXXX specifically referred to specific loss occurred 8 years ago Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fraud information on my account for my living situations. I have never lived at these addresses. I believe it is Identity theft.

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 2016-04-29
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a Ditech mortgage holder. I paid my bill on XXXX XXXX as normal via ach debit of {$810.00}. With no notification to its customers Ditech changed the account numbers and my payment went to the old account number not the new one. Ditech " customer service '' is in agreement and they see the payment in the system. I have been begging them for weeks to please simply apply the payment they received from me to the correct account on the day they received it. I have been met with lies, anger, total inaction, and pure contempt for such a low level request. Their computer system and billing shows that I 've paid nothing since XXXX XXXX. I am receiving calls from their collection agents, and threatening letters in the mail. They are wasting my time, my health, my good name, destroying my credit, charging unjustified interest, late fees, and wrecking all that i have worked so hard for decades. Their unqualified and nasty " managers '' and misinformed and unhelpful " customer service '' agents have the nerve to say that their verbal " assurance '' that they have the payment logged in on XX/XX/XXXX and are not charging me anything extra and that everything is just fine should be enough for me to be satisfied is SHOCKING!! The verbal assurance of such apathetic employees that could not care less about me means nothing, especially since what they are saying is completely illogical! Ditech certainly would never take my verbal assurance for anything, and i would expect the same in return. It is very simple, my account and payment status must reflect what I paid and when I paid it. PLEASE PLEASE PLEASE HELP ME!

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