BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-09
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern, I am the borrower, and I have continued to be subjected to undue stress by the mortgage servicers. First it was XXXX, now it is Ditch. I was approved for a HAFA short sale by the previous servicer, XXXX prior to XX/XX/2016. XXXX, unilaterally serviced released the loan to Ditech, which caused the buyer at the time to cancel the purchase agreement. The new buyer/offer was then submitted to Ditech, and they cancelled the purchase agreement, when it was determined both the septic tank and roof required replacement. Upon further inspection of the property, it has been in fact, determined the septic tank and roof require replacement ; see attached reports. As a result the subject property value continues to decline. Ditech refuses to work with me on a reasonable offer from the new buyer. I have a representative & supervisor who are not cooperative with the agents working on the short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech again misappropriated my funds to create any financial hardship it can to facilitate a default since it knows I am unemployed and Ditech refused to provide a HAMP modification for a completed XX/XX/XXXX application. 

Ditech is overcharging me and putting the money in escrow. It is attempting to use the fact that the escrow account is mine and therefore it is not taking money. 

However, it is still a misappropriation of funds and an increase in my note that I should not be paying. 

I was paying an additional {$10.00} per month for a total of {$1100.00} because there was an escrow shortfall. It was cured on XX/XX/XXXX, and in fact my escrow account is ahead. Yet, Ditech refused to make the adjustment in XX/XX/XXXX or XX/XX/XXXX when new escrow estimates are supposed to take effect. 

Also, Ditech placed {$72.00} in funds in suspense and then put the money in escrow. My note does not allow funds in suspense to be put into escrow. I asked for a refund and Ditech refuses. My note allows for refunds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a fraud claim because there were numerous unauthorized transactions on my account and the bank refused to do anything about it.

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 2015-06-01
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Flagstar Bank is charging me for late fees that I have not incurred. I have called the bank multiple times but they have not resolved the issue and now they are threatening me with reporting me to the Credit Bureaus. My credit score in the XXXX 's because I have never defaulted on any loan. 
I have paid my Flagstar Mortgage payment on time before the XXXX of each month since XX/XX/XXXX without falf every single month in advance to this date. 
The problem seems to be that on XX/XX/XXXX they charged my account {$6200.00} for " insurance '' this was an incorrect charge since I had secured XXXX XXXX XXXX on my own as stipulated. It took many long phone calls before they wrote off the bogus charge. Then for no reason at all they sent me a check for {$1300.00} XXXX new this was either an error or a scam and I did not cash the check. I spoke on the phone with XXXX of their agents who identified himself as XXXX and I asked him to place a stop payment on the check. As a result of this book keeping changes they decided that my payment checks were 1 month late instead of being a payment in advance as they are and now they are charging me late payment fees that I do not owe. My mortgage payments to Flagstar Bank have always been made automatically form my XXXX XXXX Bank account and always on time and I have the records to prove it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-11
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a statement from Paypal Credit saying I owe {$840.00}. I never applied nor received nor used a credit card from Paypal Credit. When I called, they wanted " personal information '' which I would not give. I ended up hanging up on them. I am XXXX years old and on Social security. I do n't need this aggravation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited XXXX tax refund checks into my primary checking account on XX/XX/XXXX. Both the checks were in my and my wife 's name. I deposited the checks into my account through ATM booth as I deposited the tax refund check of last year in the same manner as it got cleared. My wife also has her ac with Bank of America. She put her signature on the back of both checks as she did last time and made endorsement that she received payment and has no objection if the proceeds are credited into my account. Bank of America made a correction and retuadjustment when I saw this I called their customer service a representative said I will receive the adjustment notice and returned checks within 8/ 10 business days. I have talked several time with several agents and supervisors and they give different time frame for receiving the checks. Today is the 16 the calendar da I am yet to get back those checks.

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 2017-03-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender is not honoring the amortization schedule I signed at settlement that shows PMI ending with my XXXX 2017 payment. Stating that I need to continue paying until XXXX 2017 at an additional cost of {$6900.00} ( $ XXXX/mo ).

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 2017-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I Applied for Business Bank Account through Capital One, XXXX, And was declined because of the following One or more applicants, account holders or beneficiaries has past or present civil or criminal charges. When is a bank required to do a Criminal Background before a Business Account can be issued?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: CITIBANK, N.A.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan originated in XXXX then we had difficulty paying and went in foreclosure XXXX XXXX. 
We fought and won the case and it was dismissed XXXX XXXX and an adjustment to the terms was made XXXX XXXX. Then we filed chapter XXXX bankruptcy in XXXX XXXX and was discharged XXXX XXXX, XXXX with a legitimate reaffirmation agreement and it lists specific terms of repayment. In XXXX we were told that we were delinquent on our payment when I had just made the monthly payment. I went through several days of this and finally was told that we owed {$36.00} principle and that none of our payments was being applied to the final payment due to deferred interest on the account. Until XXXX XXXX no payments were reported on the three credit bureaus then 3 payments were reported as on time then XXXX XXXX through XXXX XXXX it shows that no payments were made making us 150 days past due. We made a settlement payment on the deferred interest of {$6000.00} and they lost the check. I have emails from a rep stating as much as well as a delivery confirmation. So no payment was made in XXXX XXXX due to it being lost. I feel that we should not have had the deferred interest due to the reaffirmation agreement. I do admit to being late on payments over the years but I always got caught up. The added interest should not have added up to {$10000.00} which I believe is the interest that accrued during the foreclosuretime. Also after the affirmation the company said that my name was not listed on this loan and it is clearly on the original document the adjustment that was made prior to the foreclosure dismissal and the reaffirmation agreement. They would not talk to me about this loan for several months until we lost our home to a fire in XXXX. We could have negotiated a settlement in XXXX even though I am sure that we did not owe this deferred interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion dispute XXXX XXXX Reply| Yesterday, XXXX XXXX You I 'm looking at my credit report on XXXX and I 'm attempting to file a dispute with their automated system but it 's not letting me and then I logged into your website and it 's telling me I ca n't file a dispute so now I 'm contacting you through here and hope that you 'll help me file a dispute there are a couple mistakes There are XXXX accounts with this Bank XXXX XXXX shows a balance of {$1900.00} the other shows a balance of {$5800.00} both of these accounts have clearly been compromised and I 've been attempting to resolve this there are numerous fraudulent charges on both accounts both account should be closed immediately XXXX showing a balance of {$5100.00} I have no knowledge of this account this account does not belong to me never has

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 2017-04-09
Company: ALLY FINANCIAL INC.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have not heard anything from my dispute. Ally says that I did not contact them about my check being expired, but I contacted them twice at the number that is on the check. They said the time is over for payment of my check. I would like for ally to honor my check or give me a credit for the check on my next car payment. I have already explained what happened and why the check did not get cashed. I do n't understand how they can send some money back to cfpb, and NOT know where or whom they sent it to. They did not even give me the courtesy of responding to my dispute.

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 2017-05-01
Company: Mobiloans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
during the   XXXX   XXXX   of  XXXX   2017 , I requested that my banking account information be updated so that i could use an additional account to make payments on my loan. I was not given the opportunity to do so, I received no response offering to help update my account information or providing me the option to do so.     during  XXXX   2017 , I called and requested that I be given an update on my account and was placed on hold for an extended period of time. I contacted mobiloans again during  XXXX     2017  and after discussing the status of my account and learning of the additional charges being added I was offered a settlement amount. I verbally accepted the offer extended and was told that the agreement would be in place and the amount owed would be the agreed offer. As part of the offer I was asked to agree to a payment to be taken as " good faith '' I was told that it would be applied to the new settlement amount and would cease any previous ach payments.To confirm the agreement, I asked that I be delivered a copy of the terms and conditions of the settlement offer as proof of the agreement via email or physical mail. I was told that they would not do that and that I could expect information by the following close of business. The following day I was charged  XXXX  payments instead of the  XXXX  payment as agreed and was never given the terms and conditions of the settlement offer. I contacted them again and still did not receive the information requested. furthermore during this time I was unable to make payments on the account online.   
As a result of these actions and behaviors on behalf of Mobiloans, I consider this to be a breach of contract for violating the terms and conditions of the settlement agreement o  ffered to me and for not allowing me to pay my account balance to avoid additional fees and charges.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a loan out in for approx. {$7000.00} in 1997 from XXXX which was later sold to Springleaf and now to One Main. My agreement made with Springleaf ( One Main ) was I pay a settlement on the loan for {$4500.00}. I have been paying on this faithfully, and will have paid {$4200.00} on XXXX XXXX. ( Regular scheduled payment ) With the balance {$340.00} owed by the end of XXXX - per our agreement. I received a letter from One Main saying that I owe {$6900.00}. They have also been charging me late fees when late fees are NOT MENTIONED in our written agreement. I have paid twice the amount of this loan since the beginning and now three times. I have attached a copy of our agreement and a copy of my payments made. Which confirms the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Bridgecrest Acceptance Corporation
State: LA
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/2021 I sent third dispute to XXXX, XXXX, and XXXX in regards to reporting incorrect information. I have not received any information on them validating the accuracy of the account, however the reports that they provide remains unchanged. Bridgecrest account was a voluntary repo that was charged off and paid as agreed.

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 2015-11-20
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan through caliber home loans and have XXXX as a payment reduction plan. 
I have made several attempts to contact caliber due to the fact that they are not paying the funds properly. Caliber pays the payment forward instead of reducing the principal of the loan. This has been going on for several years now. I call them and caliber will comply for a month or two and then go back to the same problem again and again. So I called XXXX to resolve this and have an audit performed as to insure my funds are being applied in the proper manor. Just as with me caliber keeps rotating staff so as to make it impossible to speak to a complaint person and refused to comply with XXXX to provide the nessasary documentation to allow this process to be completed. I called caliber at least 6 times and XXXX has sent repeated letters via email and even had a conference to insure that it was OK to provide this information to a secondary company for security reason. Now I 'm at the end and this is why I contact you. I have nowhere else to turn. I 'm trapped between XXXX large companies that keep placing walls that I can not get through. Caliber will not comply with XXXX even after all the attempted contacts were made and both companies have full documentation of all attempts, calls and emails that have been sent or made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: CBS Collections, Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Person is Qualified XXXX Beneficiary ( XXXX ) and even though XXXX were aware of the qualifications, they still sent her bills into collections.

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 2017-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have notified Experian numerous times, even sent a police report, letting them know my credit report is being accessed by unauthorized parties. I 'm including a notarized letter listing these unauthorized accounts and inquiries.

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 2022-04-18
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-06-09
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: Their investigation did not fix an error on your report

Complaint:
Tired of this XXXX company transunion is reporting unverified and inaccurate child support account on my credit which has stopped me from getting approved for my new car so now this will be my final complaint before I turn to my attorney.

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 2017-03-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a auto loan with Toyota Financial services. The loan is in my name exclusively. My soon to be ex wife called them up and removed my phone number as the contact and went paperless. For whatever reason customer service allowed this. I stopped getting notices so I figured the bill was being paid. Unfortunately this is the 2nd time they allow her to do this even after I made it explicitly clear she was not to make changes to the account. 
I am know being reported for XXXX 30 day latest. This is effecting me and my job. I am a XXXX and I worked hard at keeping my credit clean. My understanding is that no one not a wife or parent can call in or a loan and change contact information. 

I said to then I could bring it current if they were willing to fix my account information and remove the lates. I of course brought it current any how. But I am afraid my information is not safe at this company since anyone can call in with my Social and change or receive stuff.. 

To this day they still have her email address on file and have n't updated it back to mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage after my wife became ill and the medical bills began to pile up. I was forced into bankruptcy and the payments are overwhelming. I hired an attorney to assist me in applying for a loan modification with my lender, SLS. My attorney submitted my complete financial package to SLS in XX/XX/XXXX ( Approximately XX/XX/XXXX ). My attorney has been calling SLS every week to follow up and provide any additional paperwork they may need. My attorney states they have been very diligent in providing all paperwork on time and confirming all paperwork was received. I was also informed by my attorney that servicers such as SLS are no longer allowed to " evade '' and stall the review process ( RESPA Regulation X ). I feel my servicer has done just that. Today is XX/XX/XXXX and my application and all paperwork has been submitted by my attorney. The most recent note are attached to this complaint. Just today SLS told my attorney that they were going to deny my application for missing paperwork. Today it has been over two months since I applied. All paperwork that was requested was supplied in a timely manner ( At most within a few days of it being requested ). SLS is playing games, dual tracking me, evading review and stalling when they have enough information to make a decision. I am on a monthly payroll. I only receive one check a month and that is it. My wife gets a very small income from royalties and other than that our application is very simple. My attorney states SLS is doing this on purpose to force me to get frustrated and just give up my house. This appears to have broken the RESPA laws and I would like the CFPB to look into it.

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