BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid off XXXX derogatory on my report and they are still showing up.I have contacted the issuer of these account 's an they say it is out of there hands since they were sold off to a collection agency

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 2017-02-23
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
" Contract was cancelled '' " NO CONTRACT '' Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX XXXX XXXX, XXXX ). This was cashed on XXXX/XXXX/2017 and the account has not been removed from all XXXX bureaus as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX after we received our tax refund, my husband called our mortgage company to see if we could pay off our escrow for the year and and if it would lower our monthly payment. The person he spoke with at the mortgage company told him yes this was an option and gave him the amount to send to escrow and quoted him what our new monthly payment would be after that was paid. We sent in the check for the new monthly payment as well as a separate check for the escrow. I received a letter stating we had n't made our monthly payment and they were holding what we sent in suspense. My husband called to see what was going on and they told him that we actually CAN NOT pay off the escrow and that we would get a refund for the entire amount we sent them minus the amount to make up for the short payment. We went back and forth for over a month with these people never getting our money back and being told we were going to get the refund and then that we were not. Finally my husband talked to a guy that said yes we will get the refund and that they would now take the next monthly payment out of the money we were getting back and send us a recalculated refund. We finally got the refund and then got a letter stating we did not make our payment that was taken out of the refund check. My husband called and was told that they did not take it from the refund and that was the XXXX payment. But we had already made that payment. Now they are saying we will have an over 30 days late on our account. These people give you a different answer every time you call. They need to account for every penny of that money that they were supposed to refund to us. This was their initial mistake to begin with because they told us it was an option. Then they held our money hostage and now are apparently stealing it, too. He tried calling back to see if someone else might help him and as soon as he gave the account number they hung up on him.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech ( formerly known as Green Tree ) increased my escrow amount by {$58.00} on XXXX/XXXX/16 due to increasing property taxes and insurance. No problem here - except that I was not notified of this increase either my email, electronic statement, mail, nothing. 
The only way I found out about this increase was by logging in and discovering this increase a month later and discovering this increase. 

Also, as I write this on XXXX/XXXX/16, Ditech has received my payment in full according to their " Payment History '' section of their website - however - they still show my XXXX payment as outstanding. It 's almost as if there 's a bug in their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
told to get XXXX to pay loan because they wpouldnt letus change dates.on fixed income and ss comes in after the XXXX of the month .say we had to be charged for that service.we have been paying this XXXX service for a while and I could n't understand why? said it was because we could n't paqy on due date.they also never had us to sign any papers when they took the note from XXXX.we still own around XXXX and only paid XXXX for unit.been paying since 1999.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: AES/PHEAA
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to a medical issue, I was forced to quit my job. XXXX bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for XXXX XXXX XXXX. On XXXX XXXX we received an XXXX form from XXXX, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from XXXX telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. Late XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with XXXX. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they XXXX agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client National Collegiate XXXX XXXX Trust ( XXXX ) owned the loan that was sold to them by XXXX back in XXXX. 

While there, the attorney XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently XXXX is appealing the ruling and we have another court appearance this Friday XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can XXXX sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to XXXX XXXX dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This Corporation has shared my information with Credit reporting Agencies. This is considered IDENTITY THEFT Pursuant to 16CFR 603.2. I am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. According to the GLBA Gramm Leach Bliley Act this is a violation. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE but this CORPORATION IS IN BUSINESS COMMERCE AND TRADE. THEY MUST ADHERE TO THE FDCPA Fair Debt Collection Practices Act, and the FCRA, Fair Credit Reporting Act. They also have to CEASE and DESIST because I never asked them for anything, and if they have my information I want it back as soon as possible. If not I will be filing a CRIMIINAL COMPLAINT WITH THE FBI. Where is the Loan Level documentation if any stating it adheres to all State and Federal guidelines of a Loan, for this Consumer. These people are obtaining information from the Credit Reporting Agencies fraudulently and this is definitely Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, the State of California Franchise Tax Board ( FTB ) Vehicle Registration Collections placed a levy on my checking and savings accounts at US Bank. The FTB took {$260.00} from my checking account and US Bank took an additional {$100.00} from my checking account as a " levy fee. '' The levy should never have been taken because I did not have any delinquent vehicle registrations. The FTB was ignorant to the fact that the vehicle in question was purchased from me by the State of California in XXXX under their Vehicle Retirement Program. I spoke with the FTB yesterday and they agreed to release the levy and put the {$260.00} back into my checking account. However, even though US Bank is aware of the fact that the levy was invalid, US Bank is still refusing to refund me the {$100.00} they took as a levy fee. I know that the law provides remedies for situations like mine where the state and my financial institution have raided my private bank account under the pretext of a delinquent vehicle registration collection program. I would like to pursue every legal remedy to recover for my damages.

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 2016-08-24
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech, my mortgage provider went through a system upgrade in XXXX 2016 ( according to them ). I currently make biweekly payments on my mortgage, almost twice the amount of the standard payment. Due to technical issues, the system is no longer able to post biweekly payments. This is now resulting in showing over {$7000.00} of unapplied payments, but the mortgage now shows past due since XXXX XXXX, 2016. I did contact the provider by email and by phone several times. They have assured me the are reviewing the account. Beside a simple acknowledgement that they received my complaint and are reviewing this ( without any results as of XXXX/XXXX/16 ), they have never proactively reached out to me as to provide any status update. They are however reaching out with never ending collection calls and letter. If it was any other service, as a consumer, it would have swapped providers. However with a mortgage that is not such a simple task. It has been over 8 weeks with no results ( and I 'm sure I 'm not the only one ). I understand system issues, but it is inconceivable to me that not a single individual within the company can review my account and make the necessary corrections. I have no faith in the process, nor would I ever know if after the corrections the remaining balance would be correct ( depending on how payments are posted ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NM
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a purchase on XXXX XXXX which involved a Money-Gram ( Walmart ) money transfer. after remitting the funds, the next day, I received an email from XXXX XXXX requesting additional funds for " Shipping Insurance ''. There was no mention of any insurance prior to purchase. I sent emails to both parties ( seller & XXXX ) requesting to cancel the transaction and refunding my funds. I receive no replies from either party. I have been SCAMED by someone posing as XXXX XXXX. How do I take legal action to retrieve my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
transunionXXXX XXXXstatus showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
This account was submitted to Cfpb on XXXX/XXXX/XXXX, as a collection report on my XXXX Credit Report. As of XXXX/XXXX/XXXX, this acct. was removed from XXXX. I am requesting that Transunion also remove this as well. The company did report that it would remove this acct. from collections. Company placed these accts. in collections for dates of service : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These were for injections for my knee weekly @ {$600.00} per injection. Prior authorization from office manager told me that they would accept whatever my insurance company paid and I would not have any additional charges sent to me. The company has agreed to remove the {$330.00} charge and submit it as closed. They have only submitted to XXXX and still have this collection showing on my Transunion Credit Bureau.

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 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed this fraud account that is being reported on my credit report to TransUnion account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. TransUnion performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

TransUnion ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft 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 2016-04-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had a private loan dispersed with National Collegiate Trust. There is not phone number to contact them or anything like that. I deal with American Education Services to pay my bill and apparently they give National Collegiate Trust the payment. I ca n't afford the payment and they are not working with me to lower my payment. My interest in 7 % and my loan is too high due to interest. the Original loan was taken out for {$28000.00} and has now increased to {$51000.00} They have doubled the interest and will not work with me. I have tried to work with them by paying some of the payment, however, they still call and harass me to make payments I ca n't afford. My account number is, XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Ally Bank refused to transfer a matured CD IRA account by trustee to trustee transfer as I requested well in advance. They failed to disclose a signature guarantee requirement. They made me take it as a distribution causing needless delay, loss of interest income and red tape in my doing a rollover. They benefited by the delay in having the money for an additional number of weeks. They admitted being arbitrary and unnecessary in requiring a signature guarantee when they already had a signature agreement on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transition file # XXXX My name, data of birth, address, phone All have wrong info. As well as my inquiry of report, and documented violation

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 2015-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried a few times to check my credit and I am unable to get my credit report. It keeps telling me the information does not match when everything is 100 % correct. I do n't know if someone could have stolen my identity?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have reached out to AES on more than one occasion. At the start of my college career in 2004 at XXXX years old, I was unaware of the ability to apply for a loan through my universities financial aid department and what a federal or private loan was. I had several loans which regardless of circumstance would need to start repayment within 4 years or shortly after, even if still a full-time student. I had been paying on these loans with few issues for quite some time. My husband had health issues and was out of work for over half a year at the time I first contacted AES. I tried to put the loans on forbearance, and was only offered a temporary slightly lower payment amount on some of the loans managed by them. This had to be done with a payment of good faith during my conversation by phone. Financial circumstances got worse, but paid when I could. Due to all household payments hitting my own account as my husband was out of work, a couple of my monthly payments after that did n't clear. This past fall I tried to review amounts and set up a payment online when I realized I no longer had account access. I called AES to discuss the situation, and was informed by a lady that it was due to an issue with a couple payments I had made. I expressed my concern with her that my online access has always been the method used for my payments particularly since several different private student loans are listed on that single online account. She reassured me that since this was the first time this had happened, that I would be able to write and/or email the company to regain my online access. I faxed a letter to AES and received nothing in return based on the information she gave me by phone, and I also emailed more recently about the situation and got an email back stating that my online access was terminated due to my issues with payments. Due to this situation, this has caused one or more loans to go into default because due to the various loans under the same AES account with various due dates, I have been overwhelmed with various AES bills which I am unaware of which is which and what standing they are in and what needs to be taken care of first. Some loans I have tried to discuss with AES, I have been told that they collect payments on but I need to actually speak with XXXX or whomever they originated from. All I want to do is regain my account access for ease of payment and understanding of my various loans under my single servicer and/or find out which loans and what my options are to get out of default on the loans that this happened to. Please help me work this out. I am not asking for any kind of loan forgiveness, just asking for the ability to understand and pay back with ease all of my loans through AES.

Company response to consumer: Closed with explanation