BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company XXXX has been trying to collect XXXX for a phone bill that I had in XXXXthat I do n't owe. I have been trying to dispute for years and its being reported on my credit report I would like to be able to have this removed and I have information stating I do n't have a 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 explanation
Consumer complaint received 2021-05-19
Company: WELLS FARGO & COMPANY
State: GA
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:
All of these hard inquiries are on my XXXX  report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull Wells Fargo dealer XXXX XXXX Hard inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized )

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 2019-10-20
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, apparently the loan I previously had with XXXX was taken over by New Rez Shell Point Mortgage Need help. 

I have this loan since XXXX, and refinanced in XXXX. Previous mortgage payments were sent successfully to XXXX, XXXX, XXXX XXXX, XXXX, and now Shellpoint. 
The XXXX loan # XXXX The Shellpoint loan # XXXX Property : XXXX XXXX XXXX, XXXX NJ XXXX Even after the take over, the monthly payment of XXXX was regularly sent automatically from my account, but it was not accepted. Why? 

After a phone conversation with XXXX XXXX on XX/XX/XXXX, he said that 6-months payments are " missing '' and they don't accept monthly payments. 
On XX/XX/XXXX ShellPoint received a bank check for the whole amount of XXXX The check was not processed, and now they sent the house into foreclosure. 

It is outrageous why they don't want to process the payments sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Stellar Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My problem is with Stellar Recovery,  XXXX , MT In th  e last year, I disputed and had removed, an old collection account they had inserted in my credit report with  XXXX  of the  XXXX  credit reporting agencies.
In the last 30 days, the item that had preciously been delete  d suddenly was re-inserted again and showed up in my   XXXX   and   XXXX   credit reports.     I did not receive any notification of this action or a chance to dispute said item.   I immediately initiated a dispute with both reporting agencies.     It is my understanding that re-insertion of an already deleted item is counter to the existing consumer laws and that at least, they must removed it immediately, and at   best, I may be entitled to compensation for the breach.
I would like to register a formal complain against Stellar Recovery for their recent a  ctions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home in XXXX of 2015. We took the mortgage out and Ditech Financial LLC turned out to be the loan servicing company ( Originally it was Green Tree but they were bought by Ditech XXXX. Our loan paperwork says our mortgage is set up to put taxes into an escrow account and the money is included with our payment each month. On XXXX XXXX, I called ditech regarding my taxes not being paid. The person I spoke with said my account was not set up for tax payments. I told him I have a copy of my mortgage saying I should be. He said he would submit a " Research Request '' and that it would take 14 business days. 
I called back on XXXX XXXX around XXXX and was informed it had not been the full 14 business days and I should call back tomorrow - even though there were only a few short hours until the end of their business days. 

I called back on XXXX XXXX and spoke with XXXX in the tax department. She indicated there was n't anything in the notes regarding the results of the research request. I told her this was unacceptable, as it 's been two full weeks and my taxes are still not paid. I waited on hold for close to an hour, hoping to speak with a supervisor. Apparently there was n't a supervisor available. XXXX said she spoke with someone from Customer Service regarding my account and that they indicated my account was not set up for tax escrow. XXXX told me she would submit an " Escalation Request '' for me but that escalations can take up to 3 business days. She told me a supervisor would be calling me back within the three business days. 
I never received a phone call, so on the fourth business day XXXX XXXX XXXX ) I called back and spoke with XXXX again. After waiting on hold for more than 30 minutes for a supervisor, one could not be found for me to speak to. XXXX then completed a XXXX way conference call between her, XXXX the customer service representative and me. XXXX also confirmed my account is not set up to escrow taxes. XXXX provided me with the following directions : Fax a copy of the pages of my mortgage where it states my taxes should be paid via escrow to both customer service and the tax departmentProvide a cover letter giving my name, account #, Block and lot numbers, an explanation that my taxes are not listed on the escrow line and the request to have my taxes paid. 
I sent the cover letter and requested information to XXXX fax numbers on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 
XXXX indicated it could take up to 5 business days to correct the issue. I will call back on XXXX XXXX. 
After daily calls to Ditech Financial LLC the issue is still not resolved.

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 2016-07-04
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My former mortgage company was bought out by Ditech effective XXXX, 2016. I called Ditech to set up automatic withdrawals on the XXXX of each month. XX/XX/XXXX and XX/XX/XXXX, both withdrawals were n't taken until the latter part of the month. Somehow Ditech applied the XX/XX/XXXX payment towards the principal only, claiming I made two payments in XX/XX/XXXX. Not! XX/XX/XXXX, I cancelled the automatic withdrawals, and made an electronic payment online. Ditech claims they never received my XXXX payment. They even withdrew my capability to make an electronic payment after that. I filed a dispute with Ditech on XXXX XXXX, and attached my XX/XX/XXXX checking account statement, indicating Ditech 's withdrawal in my statement. I wrote a personal check for XX/XX/XXXX and XX/XX/XXXX 's mortgage payment. The XX/XX/XXXX payment was acknowledged, and I am awaiting the XX/XX/XXXX acknowledgement. In the meantime, my stellar credit score went down XXXX points! Ditech strips you of your dignity and intelligence. It is my hope that I receive more than a rote automated response from Ditech. How can they NOT take responsibility for their errors, when the evidence is clearly there? My next step is to contact an attorney and see that Ditech does not continue to thwart their responsibilities as a reputable loaner. This is just the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Debt Recovery Solutions, LLC
State: CA
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:
I monitor my credit report weekly and I have discovered that this is the *XXXX* time that Debt Recovery Solutions , LLC has placed this {$80.00} debt on my credit report. Thus, the debt mysteriously appeared on my credit report without given a 30 day notice to dispute the debt. Thus, this is the XXXX time that this debt collector violated my consumer rights under the FCRA. 

In addition, I have already disputed this debt back in XX/XX/XXXX and Debt Recovery Solutions , LLC removed the debt from my credit report because they could not validate it. Yet ... here they are again ... trying to damage my credit without validation 10 months later. 

Hence, I need proof that I owe this debt. Please show me a copy of the " written agreement '' that created my original requirement to pay? 

Furthermore, I would like to add that I have already contacted XXXX ( the original debtor ) on XX/XX/XXXX at XXXX and they could find no such debt. I spent about XXXX minutes on the phone with XXXX exploring this supposed debt. XXXX indicates that I own them nothing and that all accounts were paid in full with them. 

In addition, just to make sure that I did not owe this debt, I took the risk of giving XXXX my full social security number ( which should never be done ) so that they could do a thorough search to assure that I did not owe them a debt. Thus, XXXX indicated that they did not even know what Debt Recovery Solutions was talking about. 

I have had quite enough of this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX does not have my debt statement due to a compromise of payment agreed upon in XX/XX/2015. This debt has been settled and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been going to a local Chase branch in XXXX NJ for the past six years, since the branch opened. I stop by a few times a months on my way to my son 's school to drop off a deposit at a teller. The account I have does not have a debit card, so I can not use the ATM. I have no problem using a teller and I have become friendly with the tellers that work there. I usually deposit checks, but once in a while I deposit a roll of coins. Coins can not be deposited over the internet or at a ATM, so waiting in line is my only choice. Recently, I stopped by and a new teller was working at the branch. I was deposited a check and one roll of nickels ( {$2.00} ). She asked me for my ATM card or ID. I have my work ID around my neck, which is what I usually show. She called over a manager, XXXX, and they refused my deposit. The manager claimed the {$2.00} roll of coins required a federal ID, such as a passport or birth certificate to deposit. It was to stop money laundering of cash. I explained I did not have ATM card on the account or a passport on my person. The manager became nasty and told me to leave the branch. I left and deposited the coin roll and check at the XXXX NJ branch without a problem. Two days later I came back to the XXXX NJ branch with another deposit and the regular teller was there and accepted it without a problem. 
My issue is that the federal ID requirement is waived if the customer is recognized, but enforced if the manager feels like it. My deposit slip with my customer information should be enough to deposit one or two rolls of coins. It is a deposit, not a withdrawal or cash exchange. I was always told that legal cash and coins are good at any bank. Making customers feel like criminals to place money INTO a bank is just poor customer service judgement, especially for a roll of pennies, nickels or dimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone obtained a credit card on my behalf and used it. I have never visited this store and was not even aware about this bank. I reported dispute with the credit bureaus and with the credit issuer as well. Also I had filed a police complaint about this. Credit issuer has closed their investigation and are saying it is a card account opened by me. I never received this credit card, and I had never applied for it. Police complained was filed by me on XX/XX/XXXX with case number XXXX with XXXX  XXXX police. Dispute amount is {$2500.00}. Someone also tried to open other credit cards too with my information like XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Fortunately those credit applications were not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/XXXX I contacted TransUnion about the following inquiries XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX ( Date of inquiry : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2019-11-29
Company: AmeriHome Mortgage Company, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to our mortgage company ( Amerihome mortgage ) misinforming us a payment was completely canceled in XXXX. We found this out in XXXX. As a result I called to set up a repayment plan and was told we had been approved to pay {$1200.00} a month and a letter would be sent to us to sign. This did not happen. As a result every month we have called and payed and were told since we were paying this was keeping us on the repayment plan and at one point they even changed our credit rating and reported we were current on our payment. This month we got a our mortgage bill and it had increased and did not show any evidence of the previous payments made at an increased amount. Upon calling them we were told that now our repayment plan had been denied and our taxes had gone up and that amount had been being put towards our escrow. Additionally they have turned around and reported us as missing a payment which has greatly impacted our credit score They were unsympathetic and have continued to lie every time we have called them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I did not ask for a same day payment, and Ally Bank did not give me a notice that they were going to charge me a fee. I sent them proof showing the screen that I was given and the choice I made to make a next day payment. They did not read the proof and sent me a standard letter saying they had done this correctly, but they did not do it correctly. They have a glitch in their system, because it usually flags me when I am going to make a same day payment and it shows the fee. It did not do that this time. I was not informed of the fee until after I made the payment, and I tried to cancel but they would not allow me to cancel. I tried online and I also immediately called them. You can see by the attached screenshot that I selected the NEXT day, the XXXX, not the 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 explanation
Consumer complaint received 2018-01-09
Company: Monterey Financial Services LLC
State: VT
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The balance I owed them as of XXXX XXXX was XXXX, by this date they have charged me a total of XXXX $ in fees which they claim I owe them. Their collection fee is XXXX $ and I have been charged almost XXXX $ in interest fees and they continue to charge me those interest fees daily. I am being charged almost a thousand dollars in as little as 6 months and the balance keeps rising daily. I have tried to come up with a settlement with them and they will not take off any fees and continue raising the balance. The balance now is almost what the original loan amount of XXXX was, as if the XXXX $ I already paid doesnt amount to anything. When I originally signed the loan I was not informed of these fees that I would be paying if I defaulted in payments. This can not be legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: D2 Management LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The agents I spoke to were not only incredibly rude, but also refused to identify what their company did until I verified my personal information. They were harrassing until the point where I verified the information they had, and then they refused to provide me with a bill showing the amount I owed. The supervisor I spoke to ( after being transferred by the first abusive agent ) said that they would be unable to provide me with any documentation until after I paid. I explained that I would not pay until I received notice about what it is I was to be paying ( to avoid shady collection scams ), and was told my account would be documented appropriately but that they had " already sent me enough bills over the years, '' none of which I have received.

Company response to consumer: Closed
Consumer complaint received 2022-04-11
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 would like to file a complaint against XXXX, TransUnion, and XXXX because the credit companies are not complying with their own policies in a timely manner. I have sent out numinous letters of a Demand to Comply letters. The personal information on my credit report is not correct. These discrepancies have a huge impact on my credit report and i would like for these ideas to be removed immediately.

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 2020-03-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I was enrolled at a state university, where I became an on and off student for a number of years. I was not ready for college, and so, I was not able to complete my XXXX XXXX XXXX. 
When I stopped attending classes, my federal and private loans were consolidated ( about $ 40k ) and have been transferred to several companies throughout the years. They are now with Navient. 
In XX/XX/XXXX, I returned to school and have been in school since. As of this time, I was able to pay back some of my loans and owed about $ 15k. 
In early XXXX, I reached out to Navient to defer my student loans because of my in-school status and my low income. They said that all of my loans would automatically be deferred once they received information from my FAFSA. 
As of XX/XX/XXXX, I am still in repayment for my private loans. When I called Navient today to find out why money was still automatically debited from my account, the representative confirmed that only my federal loans was deferred. When I asked why only some accounts were deferred and not all, she could not provide a straight answer. Because of the Covid-19 situation, they were able to put a 90-day hold due to natural disasters. I am currently working to refinance my loans with a more reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Experian Information Solutions Inc.
State: NY
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: ALLY FINANCIAL INC.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had an automobile loan financed with Ally and refinanced it in XX/XX/2022. The company I refinanced with sent a check to Ally for the payoff amount. Since the company had inquired about the payoff amount, I had made a payment which was due. The date the loan through Ally was paid in full was XX/XX/2022. I also cancelled my vehicle service contract and a prorated refund was also sent to Ally. Ally was also supposed to refund me a prorated amount for the GAP insurance. I was initially told that Ally typically issues refunds within 30 days of the payment in full date but that with current delays it could take up to 55 days. I've reached to Ally multiple times about my refund and was told that it was still being processed. It has been more that 55 days and I have still yet to receive anything. I am now being told that the GAP Insurance refund can take 130 days to receive. Ally has had this money for over a month and I just want the money that is supposed to be refunded to me and I believe the delay in refunding the money to me is unreasonable.

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