BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree ( now Ditech ) says they are not responsible for paying my home 's flood insurance policy, although it 's always been set up as a mortgagee-pay for that. Complicating the matter is my mortgage loan was transferred from XXXX to XXXX, who transferred it in XXXX 2015 to Greentree ( nka Ditech ). Prior to XXXX 2015, XXXX and XXXX made the annual flood policy payments. However, Greentree/ditech says the loan they rec 'd from XXXX does n't make them responsible for paying the flood policy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They keep calling my number and asking for my daughter who does n't live with me for 5-6 years or longer and who is XXXX years old.I try to talk to with some persons try to tell them that we are not in good relationship and that I do not know where she is, but they just keep calling me and switching the numbers that they call me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The CBE Group , Inc has sent several attempts to collect a debt and has violated my rights as a consumer under The Fair Debt Collections Practices Act. Letters dated XX/XX/XXXX and XX/XX/XXXX. Violations include 15USC 1692b ( 5 ) Acquisition of Location Information, 15 USC 1692d ( 2 ) Harassment and Abuse, 15 USC 1692f ( 1 ) Unfair Practices, 15 USC 1692g Validation of debts ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ). This debt collector has used false, misleading and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
My Bank of America credit card Account was charged off in XXXX of 2014 after being 60 days late. I recieved a bill from the bank in XX/XX/XXXX stating I was past due but had no warning of the charge off taking place XX/XX/XXXX. My concern is that this charge off took place after only 60 days of delinquency. I attempted to contact Bank. Of America and ask why I was charged off after 2 months and was told. That 's what we do with partially secured accounts. Aside from this charge off status, my payment history and late payments do not match up with XXXX, XXXX, and XXXX. This inaccurate reporting led me to dispute with The XXXX CRAs last XX/XX/XXXX as of XX/XX/XXXX all came back as accurate and verified from Bank of America.

Company public response: Company 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: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I received loans to go to school at XXXX. They closed before I was able to complete my degree. Navient started calling in collection notices before my alloted time to be in school was over ( the XXXX months you are allowed to be outside of school before collection begins ). Since none of the schools I could transfer credits to had the degree plan I was originally working towards, I decided to get my loans discharged. Since I filed with Navient they have been running me around, saying that something was n't filed XXXX time, that I was n't in school long enough to qualify for loan discharge - which I clearly was - and generally saying anything they can to deny my clear legal right to have my loans discharged. I was able to get them to allow a period of time before I started paying, which I have no plans of doing, in which I will be seeking legal consultation if possible on what to do. In the mean time, they are holding my credit XXXX and are suggesting that I file bankruptcy since I ca n't pay these loans. Navient is the worst and needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: JPMORGAN CHASE & CO.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2020 Online Transfer our joint checking account {$5000.00} to CHK ... XXXX ( my wife 's new XXXX  checking account. ) transaction # : XXXX In the joint checking account, the transaction was done, the money has already been transferred. 
But Chase sent a letter shows my wife 's new XXXX  checking account have {$0.00} balance, the money did't transfer to it. And her online account access has been locked. 
Called several times to Chase ( every time need wait 1-2 hours ), explained we are at Hawaii, without any Chase branch here. Due to COVID-19, hawaii government prohibit people travel to other states. 
But they insist my wife need go to Chase branch to deal with that. 
We don't know what to do. Can you help us with that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2016-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX I began a modification for my Home Equity Loan with the holder of the loan, Bank of America. After a very frustrating process of them losing documents and re-asking for documents that I had already submitted, they approved the modification XX/XX/XXXX. They sent me documents and we returned them signed in a timely fashion. B of A then signed and return the loan documents and our first payment was XX/XX/XXXX. We have made our payments on time since. Then XX/XX/XXXX they sent out new documents that our modification had been approved. I did not understand. We had completed everything with a signed loan agreement from B of A. When I called they did not give me an answer. Just that I needed to sign. I explain that 4 months ago I had completed the process and have been making my payments on time. After several weeks of going back and forth, they admitted that there was a miscalculation in my loan, but no explanation as to the mistake. I told them that I would not sign new documents as I already have a signed loan agreement with them. What 's to say, if I sign, that they wo n't come back again in 5 months and ask to change them again. I continue to make my payments in a timely matter. They continue to call and tell me to sign or they will withdraw the modification. I have a legal agreement with them. I need help to get them to stand by the original loan documents.

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 2017-03-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In 2013, I requested a XXXX Discharge for both federal and private loans with XXXX ( Navient ). I was approved by XXXX, XXXX, XXXX and XXXX to discharge all federal loans. However, XXXX never sent any paper work of any loans that were discharged, reduced or any information regarding any of my private loans. XXXX continued with XXXX remaining loans, XXXX of which have my co-signer on them. I 've tried to request the discharged loan information with no response. I have had respondence to the XXXX via email and phone with no resolution. I have given them fininacial worksheets for both myself and cosigner and they refuse to reduce my payments or work with me because of my XXXX and XXXX income. Currently, XXXX loans are in default because I can not afford to pay for them due to my income amd XXXX status. XXXX loan is manageable and is being paid for currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Late fee

Complaint:
Citi has a deceptive practice for notifying customers of past due balances. This practice maximizes fees, while leaving the cardholder with little regulatory recourse. I rarely use the credit card, and had not looked at the account recently. Without my knowledge, a charge of {$29.00} had been made to the account. After the account was 62 days past due, I received an autodial collection call to my cellphone ( which I did not consent to ) alerting me to a potential problem. The total fee accumulation was {$62.00} ( coincidently ). 

So now I have {$62.00} in fees, and possible negative credit bureau reporting over a {$29.00} charge that I did not make. If Citi was concerned enough to make a collection call after all the fees had been assessed ( day 62 ), they could have been fair and made an attempt prior to day 60, when it looked like payment was n't forthcoming. This would have provided me an opportunity to dispute the charge in writing ( per Reg Z ), and avoid the second late fee. The practice is unfair and unnecessarily drives up revenue, while leaving the cardholder with few options. 

To make matters worse, I called the collections rep ( via the number provided by the autodialer ), and she said that I could n't get help with my credit reporting concern unless I wrote to a P.O. Box. She said there was no number. After the conclusion of that call I tried the regular customer service number, and was placed on hold by the system. After ~35 minutes of being on hold, I hung up without the opportunity to speak to an actual person. 

Bottom line, I feel Citi maximized their fees at the expense of the customer, and failed to provide a reasonable means for exploring a solution.

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 2022-08-17
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a follow up on XXXX. The Citibank claims that they have already closed my account and I should receive the my fund of {$200000.00} within XXXX  days from. It has been XXXX days now and I am still not receiving my money back. I was trying to contact their Citi XXXX XXXX XXXX but the problem is still not resolved. The last time I got the response from the Citi was that the fund will be returned to me within XXXX weeks on XX/XX/22 but it didn't happen.

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 2016-08-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Macy 's credit has contracted with outside collectors in the XXXX, XXXX, XXXX, and other area codes. Their credit department is located in Ohio and none of these area codes are Ohio area codes.This means, they have sent my information to contracted collectors throughout the U.S. to attempt to collect a debt which tye refused to take smaller payments on until my finances recover. I had a faulty electrical wiring fire in a home I rented in XX/XX/XXXX and finally got into a new home XX/XX/XXXX.I am a XXXX. This will enable me to complete the process of catching up with my Macy 's bill, the ONLY overdue bill I have. I am concerned about people knowing where I live, work, and ruining my reputation XXXX in which I work and live. Macy 's had no business giving out this information to contracted debt collectors. 
Debt collectors call my home phone and cell phone no less than 10 times a day. I have placed a " tracker '' on my cell phone and XXXX XXXX has records of all the calls from Ohio and other area codes. My phone records can be retrieved from XXXX for my home phone. They also call my adult daughter 's phone looking for 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 non-monetary relief
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX  denied my dispute after my card was stolen and maxed out. 

They are very happy to see that my card is maxed out because they can charge me interest on the balance. But they are so blinded by greed that they don't even care that I was not the one who did the transactions. 

They said the transactions are valid, which is a lie. I never attempted or approved these charges. XXXX must have allowed someone to trick them into thinking the caller was me if they are claiming that the transactions were verified. 

I have spoken to several reps from XXXX, but no one will even consider that I was not the person who made the charges. They are too interested in billing me for the balance.

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 2016-06-28
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When meeting with a Consumer lawyer for another matter, the subject of online installment loans came up as being illegal in the state of Virginia. In order to charge usury rates of more than 12 % the lender has to be licensed in Virginia. If their name is not this list, XXXX, then they are not allowed to charge more than 12 %. Virginia law 6.2-306 states that a person can not waive away the rights to the usury laws of their state. Since, the contract is illegal it is not binding. I was told to revoke their ACH rights and to cease payments immediately. At that time I had already paid XXXX for a loan of XXXX. I have paid back their principal and the 12 % interest. I was told that due to this breach of the law that under Virginia Code .2-1541. A. Unlawful contracts void ; recovery of amounts paid. B. The lender on any loan for which a person has taken any action in its making or collection in violation of 6.2-1501 shall not collect, receive, or retain any principal, interest, or charges whatsoever with respect to the loan, and any principal or interest paid on the loan shall be recoverable by the person by or for whom payment was made. 

While I do appreciate the loan i do not appreciate the fact that they take advantage of the financial needs of people they deemed easy prey. We believe what they write and assume that it is legal. I guess they are banking on the ignorance of their borrower. 

They like to respond that they are licensed to lend money in Virginia. However, they fail to address the fact that no one at the Bureau of Financial Institutions for Virginia can find that proof. 

While they may be able to lend to Virginians it should be done legally. They are not a bank, therefore they may not export deregulation from my home state or preempt my home state protections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
RE : Home Depot Credit Card by Citibank. 
Everyone has been covered up with request to convert to paperless statements. What I learned today from Citibank was when you do this you are automatically removed from account alerts. Thus a charge of {$23.00} becomes {$120.00} when the late fees are piled on. Contacting them via phone, I was advised that they would only be able to remove XXXX of the XXXX late charges.No supervisor was able to address my complaint regarding the blindside from this company. I can only surmise that the reason for stopping account alerts was to increase punitive fees and increase income for the bank. I hope that this issue gets to class action status and the crooks will be forced to find another sneaky way to rob their customers.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XX/XX/2022 I sent a letter to XXXX, Transunion and XXXX that they were reporting incorrect names and addresses on my credit report. TransUnion responded that with a claim that a third-party is assisting with my credit after I sent all proper identification documents to identify myself that I was requesting that they correct the inaccurate names and addresses. The information has not been corrected as requested. 

XXXX mailed my dispute results and removed some names and one address when there are multiple names and addresses. The dispute results also brought to my attention that XXXX social security numbers are being reported. If I'm not mistaken every human only has one social security number. It seems to me XXXX is allowing fraud. 

The FCRA imposes obligations on credit reporting agencies concerning the accuracy and completeness of information in an individual 's consumer report. Per FCRA, the credit reporting agency is not in compliance by knowingly reporting inaccurate information

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 2020-04-08
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX denied my dispute after my card was stolen and maxed out. 

They are very happy to see that my card is maxed out because they can charge me interest on the balance. But they are so blinded by greed that they don't even care that I was not the one who did the transactions. 

They said the transactions are valid, which is a lie. I never attempted or approved these charges. XXXX must have allowed someone to trick them into thinking the caller was me if they are claiming that the transactions were verified. 

I have spoken to several reps from XXXX, but no one will even consider that I was not the person who made the charges. They are too interested in billing me for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
Hi -- I have XXXX interest rates on my WELLS FARGO XXXX VISA card : ( a ) Purchases at 15.240 % ( b ) Cash Advances at 23.990 % XXXX of my purchases was applied to the Cash Advance Balance, so I am being charaged XXXX interest rates. But my payments are only being applied to the lower interest rate XXXX. According to this the new Credid Card Reform Law of 2009, " credit card companies must apply payments minus required minimum payment amount, to the highest interest rate balance on the card. '' XXXX That 's not happening. WELLS FARGO is applying payments ALL to the BALANCES with the LOWEST INTEREST RATES XXXX 

I called Wells Fargo today ( XXXX, XXXX/XXXX/15 ) for 1hr 15minutes, explained the situation over and over again. Eventually a representative said, " there was nothing they could do, this is their company policy. '' When I informed them that this was against federal law, the representative still said there was nothing to be done. 

Aside from the fact that this will cost me thousands of dollars -- this is just plain illegal. Let 's please enforce this law on Wells Fargo and protect me and other consumers like me. 

ThanksXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: GA
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 XX/XX/2022 I sent a letter to XXXX, XXXX and Equifax that they were reporting incorrect names and addresses on my credit report. XXXX responded that with a claim that a third-party is assisting with my credit after I sent all proper identification documents to identify myself that I was requesting that they correct the inaccurate names and addresses. The information has not been corrected as requested. 

XXXX mailed my dispute results and removed some names and one address when there are multiple names and addresses. The dispute results also brought to my attention that XXXX social security numbers are being reported. If I'm not mistaken every human only has one social security number. It seems to me XXXX is allowing fraud. 

The FCRA imposes obligations on credit reporting agencies concerning the accuracy and completeness of information in an individual 's consumer report. Per FCRA, the credit reporting agency is not in compliance by knowingly reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.

Company response to consumer: Closed with explanation