BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-16
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The first statement I received from First Point collection was dated XX/XX/2016. The date of service was XX/XX/2016.Total balance on this account was XXXX and due on XX/XX/2016. This is the first notification I received of an outstanding balance and it was from a collection agency. My insurance processed and paid their part on XX/XX/2016. I sent a {$50.00} payment on XX/XX/2016 with a letter stating that I could not pay the amount in full but that I would send monthly payments. I also explained that I was also paying another bill from them of XXXX. I have always sent my payments directly to XXXX and they have been accepted and processed. I have made regular payments on this account. I received another letter from First Point dated XX/XX/2016 showing a balance of XXXX. I submitted a dispute letter to First Point on XX/XX/2016 requesting the amount of the debt as this balance was not correct. I have not received a response as of today, XX/XX/2016. I know it was received because I sent this certified mail. I have not missed making a payment and yet this has now been placed on my credit report. The balance placed on my credit report also is not the correct outstanding balance. The credit report does not show this as being disputed or as a medical bill. I believe both of these have to be shown on a credit report. When the provider is accepting and processing my payments they should not be able to put this on a credit report. The bill mentioned earlier of XXXX has been paid in full. It appears that they are trying to coerce me into making the full payment by sending me statements from a collection agency from the first statement. I take my credit report very seriously and I pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I sent a letter in to CNAC headquarters rescinding the contract between us and it appears as though they do not want to comply with the law regarding the consumers right to rescind the contract based on them not informing me of my rights when I originally signed for a XXXX XXXX  through a branch office located at XXXX XXXX XXXX on XX/XX/XXXX. I have since paid over XXXX dollars XXXX of which went to replace the throttle on a vehicle which the engine light stays on continually.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Madam or Sir, I am writing to you because the attitude of the XXXX bank WELLS FARGO is unacceptable. 

Foreign customer of this bank for 10 years and owning a property in XXXX XXXX, Florida my XXXX Checking and savings accounts were closed by the bank on XXXX XXXX and XXXX XX/XX/2022. 
I do not dispute the closures of accounts of new regulations in the XXXX however after 2 months I have still not received from the Bank the cheques corresponding to the amounts I had on these 2 accounts/ checking account + XXXX USD and Saving XXXX USD I call every week customer service either no answer or no answer to my questions. 
I sent complaints through the message center on Wells Fargo website, I received responses but no information about my money and when I suppose to return back the money yet while in the XXXX in XX/XX/2022 I went to my agency and we contacted the service concerned by phone that said that a check had to be sent to me by XXXX  within 15 days. 
It is impossible to reach by telephone the Exception Payments Dpt at the number gave by the customer service XXXX XXXX XXXXXXXX XXXX months after nothing, it is unacceptable that a bank does not give its money to a customer please tell me what procedure to put in place to recover my money. 

Cordially

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 2016-05-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I had an insurance claim on my home and Ditech must sign the insurance check and return it to me. I XXXX all their required information to them with the check and was informed it would take 7 to 10 days to process. On day 10 they stated they would finish processing and then would need another 3 business days until some would contact me to schedule an inspection and then once they heard back would need another 3 to 5 days to get me a check. So on a mortgage that I owe them XXXX on a XXXX property it will take a month to get a check. To add insult to injury I am in the process of selling my house and requested an exception and was told no way. Was on the phone for over an hour on hold to get this information in 2 minutes. Ditech is the worst mortgage company and should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: BMW Financial Services NA, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I contacted BMW financial about my auto loan and spoke about a payment arrangement that would keep my loan from being 30 days late. I was sick and not working but wanted to protect my credit and let them know it would be late. I was informed by the credit dept that as long as my payment was paid on the XXXX it would not be 30days late. I faithfully paid for several months on the XXXX again advised and directed by different reps. I tried to refinance my home and realized someone had reported i was 3 times 30 days late. BMW financial had reported me 30 days late. I called and explained i spoke to several different reps about my account, and was given the same info. They said oh I see what happen some months have 29 days, XXXX, or 31 days so that would vary. No one relayed that to me and I asked the date to pay. They are not willing to correct what they know they told me. They mislead me and fraudulently misrepresented the status of my account. I 've tried to resolve the issue with them but they will not take any responsibility for the mis information that was forwarded to me several months and adversely affects my credit. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Credit Card company send me a XXXX on XX/XX/XXXX, indicating the debt is cancelled ; however, they kept reporting to the credit bureau with the original balance and past due balance. I tried calling them to dispute the issue, but they would n't do anything. I dispute with the credit bureau and they XXXX out the balance and past due balance in XX/XX/XXXX. The Credit Card company again report the original balance and past due balance and this become and endless cycle, and I have already filed tax in XX/XX/XXXX for this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with Ditech Financial. The investor of the loan is XXXX and the originator of the loan is XXXX. I submitted documents for review for a loan modification and my loan went into review in underwriting on XXXX XXXX, XXXX. The file was assigned to XXXX XXXX of Ditech at XXXX ext. XXXX. A pending foreclosure was postponed to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Ditech underwent a system upgrade and advised me to call back on XXXX/XXXX/XXXX for a ststus update. I called back on XXXX/XXXX/XXXX and was advised to send in updated documents including XXXX tax returns, rental agreement, paycheck stubs and bank statements. I faxed all the documents to XXXX on XXXX/XXXX/XXXX. I checked back on XXXX/XXXX/XXXX and was told that the file was in underwriting and a decision would be made within 2-3 weeks but to call back every week. I called on XXXX/XXXX/XXXX and was told that there is no new update and the file is still in underwriting. I called again on XXXX/XXXX/XXXX and was told that the file was still being reviewed for a possible loan workout. I called on XXXX/XXXX/XXXX and found out that the house was sold for {$330000.00} back to the beneficiary XXXX. Ditech is in violation of the California Homeowner Bill of Rights prohibiting dual tracking of foreclosures whereby a homeowner is in active review of a loan workout with a single point of contact and underwriting review pursuant to Cal. Civil Code 2924.18. Ditech did n't give me any explanation as to why the property was foreclosed. The rep said that they received notification to move forward with the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Every complaint I have sent to TransUnion comes back with no results plus TransUnion is the only one that doesnt fix issues and doesnt allow credit score to raise eg. The score hoes up today 33 points and in 2 to 3 weeks with the same report no changes on account status or anything suddenly my score goes down 58 points. This is and has been happening non stop with TransUnion and it shows no progress on my part no matter how hard I try. It seems like a SCAM from TransUnion so that banks charge us higher interest rates and they get a commission.

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 2016-01-12
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing initially refused to speak with my client regarding the status of his mortgage following the death of his partner. He filed a complaint with the CFPB. XXXX CFPB Complaint No. XXXX ). Green Tree agreed to add him as an authorized third party on the account, presumably in order to avoid regulatory attention. Green Tree was briefly willing to discuss the account. Now Green Tree has rebranded itself as Ditech and is again refusing to speak with him. I am concerned that my client may lose his home because Green Tree/Ditech does not have a uniform policy in place to establish communications with surviving partners -- particularly where a house is held jointly with a right of survivorship and the property passes outside of a formal probate process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree XXXX XXXX servicing XXXX of my mortgage account number has been recently sold XXXX, I have a statement of my mortgage paymnet due of XXXX under a loan modification agreement and now i am getting harrassing calls XXXX that payment due is {$2100.00}. and that i will incur damaging credit and a collection record. I have not received anything in writing of this taking place, i understand that Green Tree is paying a XXXX dollar fine for doing exactly what XXXX is starting to do now and would like assistance as to what my options are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a modification from the company who holds my mortagage note, DITECH. This is my second request for action with your organization. My loan # XXXX. DITECH responded by sending me a request for documents such as my XXXX tax documents & Social Security/Pension income statement and 2 months proof of deposits. I responded by sending them the requested documents which consisted of a copy of my XXXX tax forms again on XXXX XXXX, XXXX. I also sent them a letter indicated that I do not get Social Security/Pension income and that I have been working fulltime for the last 20 years. They provided a point of contact which is never available. I would like to resolve this case ASAP so that I can get back on track with paying my mortgage. Please help me resolve this issue? thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Doctor performed and billed me for unnapproved and unwanted lab work after I was told by him basic lab work would be done at a cost of XXXX dollars. I did not approve any of the lab work I was charged for. I was told only basic labs were being done and told the cost would be XXXX dollars. I was then billed for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
They are n't doing what the government says lenders should do to provide foreclosure alternatives to help homeowners in foreclosu.re

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient is always very unreasonable when it comes to ibr. They offer no help or assistance as to get your loan payment lowered while paying monthly and daily expenses. The loan repayment amount requested is too much for household of 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Rocket Mortgage, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, When I was looking to possibly refinance my house I was going through rocket mortgage 's website and then a few months after notice that my credit had a hard inquiry attached. I never provided my social security number to them and it's listed as a factual data inquiry. Full details weren't provided nor did I authorize them to run any hard credit inquiry with my first and last name. I spoke with a representative XXXX and she wasn't very helpful saying that I would need to go through a multiple step process in order for them to get this taken off. I still am facing this on my credit report, without any further action being taken. I need this removed from my credit report being as I never authorized them or provided them with my social security number to run a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I placed an order with Classique Homes Furniture ( Phone XXXX ) for furniture ( fireplace and china cabinet ) with my Chase Bank account XXXX, Check # XXXX. Chase Bank is not assisting me with getting a refund for a check fraudulent cashed. I need EVIDENCE of the person who cashed the check, not the signature on the back of the check. In other words, what ID was used, and how does it verify the payee? It has been months, and Chase has not provided those records, as it is evident that Chase has no record of who cashed the check. They have been completely negligent, and refusing to cooperate. Chase refused to reverse the transaction despite my complaints and refund my money in the amount of {$2800.00}. The check was not written to the correct party, and was not cashed by the correct party. This is double fraud. 

Chase states that the person who cashed the check is XXXX XXXX only because that is the name on the check. However, they have not proven that it was the person, as there is no identifying documents substantiating this. Even if I wanted to pursue legal action, Chase 's negligence in identifying the payee has prevented that resolution. Chase needs to prove who cashed the check, because the signature is unclear. What Chase need to provide is the AUTHENTIC identity, including identifying documentation that shows who cashed the check. It is Chase Bank 's fault for not identifying the person who cashed my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I actually signed up for overdraft protection with BOA ; which to my understandiing meant that if you overdraft your account ; that you would be protected an the transaction would be paid. So on XXXX 2015 my credit card payment was deducted in the amount of XXXX. Which was fine ; because I assumed that the transaction would be paid ; and that I would have time to place my funds in my account by the XXXX of this month. However once again with BOA they never live up to what they present or state I really ca n't afford for this payment to be returned. I am fine with the overdraft fee that has occured ; because I had that all planned out to be repaid. I sware at this point I am so over BOA right now. The payment that should not have been paid prior to this one ; was and I had to file a claim, Now this payment I really didnt expect it not to. Help!! As BOA of america bites.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have reported inquires to all XXXX creditors on my credit reports. They said if you believe that identity thief is being used from these credit inquires to contact them. I have too many inquires on my reports.

Company response to consumer: Closed with explanation