BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-15
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I feel behind on my loan due to lost of employment. hence Ditech started foreclosure proceeding against me ... I was able to work with them & get my loan up to date. Ditech stated that if I pay {$910.00} in attorney fees that they would bring my loan current. I paid the fees XX/XX/XXXX and I have been making regular payments of {$690.00} every since then. I receive a letter in the mail stating that they were going to foreclose against me since I owed them {$200.00} in back attorney fees. Dictech never told me verbally or in writing that they were additional attorney fees and that my Mortgage payments will increase {$69.00} every month until those attorney fees are caught up. I have ask Ditech to supply a breakdown of these said attorney fees, and as of now, I have not receive such. This is unfair business practice, as I was never verbally told or written form that my mortgage will increase due to attorney fees. Also if Ditech knew that the attorney fees of {$910.00} was not sufficient they should have stated other wise, but they did accept my money without any hesitation and Ditech guaranteed me that my account will be in good standing once I pay the {$910.00} and continue paying my monthly payments of {$680.00}. Ditech stated that my payment of {$910.00} was not paid to the attorney fees but was allocated to my mortgage and my account specialist XXXX XXXX was no longer with the company. I am asking that Dictech be accountable for allocating the funds that I provided them in the correct order that they insured me it would be. As it is quite obvious that they are out to remove me from my home. I suffer with health related issues & with the added stress of a looming foreclosure is too much for my body to withstand both mentally & physically, especially when Ditech assured me that my account was in good standing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I have XXXX house located at XXXX XXXX XXXX XXXX FL XXXX, I do not have any mortgage with Bank of America, the house is a construction built, first Bank of America refinance the house in their own and work away without give a cents, when I fought the case in court it sold the house. My lawyer make a deal with the bank and share the money together leave me without nothing. What bad in me, my lawyer told me I 'm a XXXX man no justice for me.I want known if this kind of abuse is right. My contact # XXXX XXXX XXXX If you need more prove I can get the papers from the lawyer and Fax to your attention

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a very difficult time with Bank of America. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Bank of America always seemed to lose my paper work, which I constantly had to re fax. 2015 we a very difficult year for my family. I lost my job, and went on unemployment. My wife was diagnosed with XXXX She was unable to keep her job as well. An unbelievable hardship for our family. I am now back to working full time with XXXX XXXX XXXX My wife now has XXXX income as well. Our family is now over our hardship and wants to keep our home. Bank of America has refused to help us with a modification and is forcing us into a bankruptcy.

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 2021-06-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/21 I submitted a letter disputing my personal information as there was inaccurate information being displayed on my credit report. They never corrected the problem or responded. I sent another letter on XX/XX/21 for the same issue. They have made no changes despite my multiple requests. Due to the fact that identity theft is at an all time high, it is important that these variations of my name, address and place of employment are removed and my personal information is displayed correctly. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: WELLS FARGO & COMPANY
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I spoke with a representative on XXXX XXXX, 2016 with Wells Fargo Dealer Services. I was advised of an incorrect fax number to fax over documentation in reference to my Social Security update request. I received a new number from Social Security from the Social Security Administration due to Identity theft/fraud. I later called Wells Fargo and spoke with a representative and I advised I faxed the documents over to the fax number XXXX attention XXXX. The representative I spoke to stated that this was incorrect and I should sent it to XXXX XXXX Department at fax number XXXX. I advised the second rep that I paid {$23.00}. I advised since it was not my fault if there would be any compensation and I was told there was nothing they could do and that I would have to re-fax the documents to them.

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 2017-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX 2016 I visited a restaurant where l signed a receipt for {$820.00}. A few days later I was charged {$1600.00}. I immediately contacted BOA and filled a dispute. on XXXX XXXX, 2016 I received a letter from Bank of America stating that their investigation for the dispute has been completed and that BOA is unable to pursue the charges. Included in their letter they provided with signed copies of receipts which shows only XXXX of the XXXX signatures are mine. I did sign " commitment letter at the establishment agreeing to a {$500.00} charge which later came out to be {$820.00}. However, I do not recognize the other XXXX signatures on the {$1600.00} receipts. 

Please re-open this investigation as requested by consumer.

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 2021-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # XXXX I was never late 30 days XX/XX/2020 XXXX not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with SANTANDER CONSUMER USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SANTANDER CONSUMER USA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Making minumum payments of {$25.00} dollars which is what I can afford right now and still receiving threatining letters from navinet through the mail. Constant phone calls and rude representatives are calling all day. 
loan acct # XXXXprevious request webidXXXX- web

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 6 accounts 1 bankruptcy and many inquiries that are not mine I have not signed, used or know what these are!!! I have no idea how they are on my report or whos these are I need help the bureaus and the furnishersdont knwo what these are. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry US DIST CT - Reference Number 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 2016-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - XXXX never listed that we had " missed a Payment until XX/XX/XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XX/XX/XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XX/XX/XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the second time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.

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 2016-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had to parcel 's that set side by side. XXXX XXXX XXXX XXXX, XXXX Co owner of XXXX XXXX, now XXXX, stole my identity, XXXX parcel homestead ( located XXXX. ) ( XXXX ) and submitted a 1st mortgage into XXXX XXXX. Then refinanced that mortgage changing the parcel to my XXXX XXXX parcel and falsifying the address to " XXXX '' XXXX XXXX XXXX XXXX. to hide the " XXXX '' XXXX XXXX 1st mortgage.

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 2021-06-22
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently in the process of refinancing my mortgage that is being serviced with Fay Servicing. In order to refinance, the lender I am going with is requesting a letter from Fay Servicing stating that a Forbearance that I did in XX/XX/2020 was made into a deferment in XX/XX/2020. I have contacted many people at Fay and they state they do not have this documentation and will not resolve this for me. How do you create a deferment without documentation? I need this document and as of today, I have contacted the CEO, XXXX XXXX, XXXX XXXX, VP of Quality Assurance and have not received the documentation that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX account opened by TD BANK XXXX/TARGETCRED XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " data unavailable '' ( how is this possible? ) XX/XX/XXXX Reported as 30 days late XX/XX/XXXX Reported as 60 days late XX/XX/XXXXXXXX Reported as 90 days late XX/XX/XXXX Reported as 120 days late XX/XX/XXXX reported as 120 days late ( how is this possible? ) XX/XX/XXXX - Charge off ( account closed at credit grantors request ) Credit Limit - {$300.00} Balance on XXXX XXXX {$440.00} XXXX how is this possible? ) I've tried to get verification on this account from XXXX, the dispute came back as verified with updated addresses that I do not and have never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a public record on my consumer report I do not recognize. I contacted the courts and they said that the information I gave them does not match. I never filed bankruptcy. Can you please provide proof from the court of this public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/2015 Payment XXXXBank of America, N.A. XXXX TX XXXX $ XXXX is a copy of the transaction, I paid {$280.00} to bank of America on XXXX XXXX, 2015 after they billed me XXXX, XXXX, XXXX, XXXX for total {$280.00} which, I tried to explain each time that I called to let them know, this account had been settled in XXXX br discharged XXXX 2015. They reported each of these months on my credit report stating that I was not paying. I only paid out of XXXX from harrassement. 
I called bank of am and spoke to several reps who did not try to understand the XXXX heloc was included in the bank ruptcy. They began billing like this was a new account. 
Please refund {$280.00}. 
hic

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has blatantly ignored the screenshot previously uploaded so I shall be submitting another complaint for the XXXX XXXX XXXX they are attempting to collect for.

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 2021-06-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fail to understand why Forbearance can only be extended up to 18 months if started on or before XX/XX/2020. I started on XX/XX/2020 and am still unemployed struggling to survive with a family of XXXX to support. I am starting an entirely new profession and will be attending school for 4 months which is full time, therefore, I will be unable to work a job and attend school. This absolutely makes no sense what so ever that if I started a month earlier, which I didn't need to as I still had a job at that time, I could extend another 6 months. Please someone explain this to me ...

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a settlement check from my ally car financing company The check was deposited and it bounced in my account for amount of {$430.00} When I called to complain they said to send them proof because on there end it was cashed Which I submitted forms and every time I call them I get new reference new worker and no end result just that check is coming

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 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion and XXXX both have my bankruptcy as currently on file on my credit report. It was 7 years as of XXXX XXXX, 2016. When I requested the removal they stated they could keep it on my credit for 10 years.

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 2015-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion : Transunion still shows XXXX as a student loan on my credit report. I only had XXXX XXXX for a short amount of time till I consolidated my student loan. Federal loan is handling my student loan. I no longer have XXXX XXXX. It 's a mistake. It was taken out of my report for XXXX, however it still shows as a loan on my transunion. This loan was closed and should no longer show on my credit report. 
Thank you for your attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter to Trans Union in XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.

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