BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-14
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice from XXXX XXXX stating that my taxes were delinquent on parcel # XXXX. Ditech Financial is financing this property ( Loan # XXXX ) and receiving an escrow payment from me to pay taxes and insurance. Ditech did not pay the taxes and after contacting the tax department they said that the account was not set up correctly and they would pay the late fee. I informed them that there would also be penalties and additional interest if not paid by XXXX/XXXX/2016. They said they would pay the interest and penalties within 3 weeks, and to check back after that. I checked back after the specified 3 weeks, on XXXX/XXXX/2016. I was told that it had not been paid yet but that it would be paid on XXXX/XXXX/2016 and to call back on XXXX/XXXX/2016. I called back on XXXX in the morning and was told that they could n't have paid it by XXXX. They could not tell me when it would be paid. I asked who I could speak to that would be able to answer my request. He told me he could transfer me to the supervisor. The phone he forwarded me to went immediately to voice mail, so I left a message. I also sent an email to a general Ditech customer service location. 
I did n't really want to file a complaint, so in desperation I attempted to call Ditech tax department to receive some sort of answer to my query. She could not give me even an approximate date of when the taxes might be paid. 
It is now the evening of XXXX and no one has contacted me so I am left to hoping that I might receive some response through this venue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have attempted more than  10 times thru the last year to get my credit reports from all   XXXX    credit agencies aND everytime I 'm told there is n't e nough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year thoug h. Get S.S.I disability at this  adress, goverment assistance at this adress, pay bills in my name at this adress, ext ext so there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.

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 2017-04-03
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I attended Missouri College in 2008 for the XXXX. Since I graduated I have yet to find a job in the field. I was mislead by Missouri College because they promised lifetime job placement. I am hesitant to further my education because the credits from Missouri college does not transfer in which they also informed me that they were fully accredited. The XXXX was originally $ XXXX which was overpriced compared to others schools in MO. I have n't been able to repay my students loans since graduation and now my loans have almost doubled. Now the school is closed and I am stuck with paying student loans that I ca n't repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
In the middle of XXXX I placed FREEZES on XXXX, XXXX, XXXX. 

Today I received a notice from EQUIFAX the freeze is not in place and someone is trying to get a credit card. I called both XXXX XXXX XXXX  and Equifax who were absolutely NOT HELPFUL. 

I want the FREEZE in place. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX I logged into my Bank of America credit card and saw a banner stating I was targeted for a {$300.00} bonus if I opened up a checking account with BoA and established {$4000.00} of qualifying direct deposit. I applied for this offer and my bank account was opened a couple days later. On XX/XX/2017 I transferred an opening deposit of {$25.00} to the BoA account. One XX/XX/2017 I saw a charge stating " ACCOUNT CLOSING TRANSACTION XXXX '' ( See attached document ) that wiped out my account. When I called to inquire about this charge I was told that my account was being closed as a " business decision '' and no actual reason could be stated. I was told I 'd receive my {$25.00} opening deposit back in the mail in a couple of days. Although the contract states either party can close the account for any reason, it is not justified for Bank Of America to have me go through the trouble of opening the account because of the bonus attached, and then shut it down for what appears to be no reason. To bait customers with the bonus, have them go through the effort of opening the account, and then shutting them down for no reason is not good business practice, and in some cases against the law. I would hope this situation can be remedied by BoA to make both parties happy.

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 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open an account with Bank of America and without giving a reason the bank refused to open an account.

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 2022-02-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my consumer report and noticed the following accounts reporting balances and utilization inaccurately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish utilization on my consumer report?

Did I give you written instructions to furnish a balance on my consumer report?

you have 10 calendar days to Update all balances to Zero on all below accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Failure to respond satisfactorily will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2016-11-15
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I spoke to XXXX XXXX at Ditech, our current mortgage holder, about refinancing. We were hoping to lock in while rates were extremely low. I spoke to XXXX XXXX via email with several questions and was told to call him that evening, XX/XX/XXXX. I left a message and he did not reply. I left another message the next week. He never returned my calls. My wife left him an email the following week and again did not hear back. In the mean time, the rates have gone up a quarter of a point and it has cost me {$12000.00} on my amortized loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX XXXX XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX XXXX 120 days late XXXXEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX XXXX XXXX / 120 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Navient Solutions, LLC.
State: NY
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 had a private loan that had partly defaulted because of XXXX/Navient 's unwillingness to work with me with during a time I found myself unemployed. It was only after the loan defaulted that I was able to work something out with the debt collection agency, XXXX XXXX. The loan was eventually paid off as agreed under a settlement on XXXX, 2016. For several months I pleaded with XXXX the collection agency and with Navient to provide me with a letter that indicated the loan was paid as agreed. XXXX parties insisted that it was the other party who had to provide me with said letter. After many calls finally Navient sent me a letter on XXXX XXXX, 2016, but the letter as it is written is inadequate as it does not state in an unequivocal manner that the loan has been paid and completely satisfied. The letter they provided indicates that once the funds from the final payment clear, Navient would consider the loan fully paid. But my issue is that the final payment was made back in XXXX, 2016 and the letter was written in XXXX, 2016, I would assume that in 4-months time an electronic payment would 've had enough time to clear. I have called Navient multiple times requesting a proper letter that clearly states that I have paid the loan in full and as agreed but they are refusing to provide me with this letter, instead, and once again, they are redirecting me to the collection agency claiming that it is the agency that must provide such letter, but the agency fully rejects this assertion and sends me back to Navient. Every time I call Navient and request to speak with either a manager or their legal department their response to me is that they can only connect me with a supervisor 's voicemail and will not allow me to speak with their legal department. When I ask to get put through to leave the voicemail for the supervisor I am placed on hold and summarily get hanged up on, repeatedly. I have been getting the runaround for months now and have had it. Since they will not make this right I think it 's only proper to report them to the proper authorities in the hope that others will not have to endure the same heartache as I 've had to at the hands of this shady company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: NJ
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:
I noticed a few accounts and inquiries on my report that I do not recognize XXXX from XXXX XXXX XXXX inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Had a trial loan modification with Greentree in which payments were made. On XXXX/XXXX/15, Greentree sent Permanent Loan Modification document, which was due back by XXXX/XXXX/15. There was no mentioning that this document needed to be notarized. The only instructions were " To accept this offer and take advantage of this opportunity, you must sign and return the enclosed Agreement by XXXX/XXXX/15. '' The agreement was signed on XXXX/XXXX/15 and sent via regular mail to Greentree 's address at XXXX XXXX XXXX, XXXX, AZ. After sending back the signed modification, borrowers made a phone payment of the permanent loan modification amount on XXXX/XXXX/15 in the amount of {$1200.00}. The confirmation number was XXXX. Borrowers called back on XXXX/XXXX/15 to make the XXXX payment and Greentree said the loan was in foreclosure because the final loan modification documents were never received. Greentree has instructed the borrowers that they need to start the loan modification process all over. This is an abuse and we need help from the Consumer Financial Protection Bureau to enforce the permanent loan modification that we worked very hard to obtain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient is calling my phone repeatedly a minimum of six to eight times a day. I have filed forebearabce paperwork with them which they are refusing to acknowledge and have stated they can do whatever they want in order to make me pay. I have asked them to limit their number of calls daily, I have blocked their number and they have used more than XXXX different number and they are harassing me over a debt I was paying regularly prior to becoming unemployed. They have said they do n't care if I have the money to pay me and that they will continue to call me as many times a day as they want until I pay them which I keep trying to explain I can not do at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received XXXX different letters from a company called Debt Recovery Solutions LLC ( XXXX ) with a name of the recovery specialist XXXX XXXX and each letter states that I owe {$100.00}. I thought was the same letter but repeat, when I called to pay the rude people that answered the phone never gives the specifici information and they only say that I have XXXX differn accounts that I owe for XXXX hospital when my debt with the hospital was only aprox. {$100.00} ( and I have trhe proof ). The person mention in the letter does not exist, that is what the last person that took my call said. The {$300.00} they are tring to collect is not true and this company nevers wants to be specific when I called and ask for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
At the very last minute, after business hours on the last day it would be possible for me to obtain a mortgage and close on the purchase of a home on time, and several weeks after the Bank of America had all the information they initially said they needed to assess my loan qualifications ( about XXXX pages of tax returns and other income information they required ), and also at least a week after the day they said they would commit to the loan, the bank pulled a " bait and switch. '' They told me I could get the loan only if I agreed to a higher interest rate than the agreed-upon rate. This rate they insisted on was 1.25 percentage points higher ( 4.75 % ) than their advertised rate of 3.5 % on that date even though I was putting down, and I put 25 percent of the purchase down. Since I would lose my {$5000.00} deposit AND the house I contracted to purchase if I did n't close on time, the bank knew I had no choice but to agree to the higher interest rate. 

I believe this may be a common practice of the Bank of America, one used to force mortgagors to accept substantially higher interest rates than those they advertise and contractually agree to. It is certainly a clever way to get around their obligation to meet their commitments and to force innocent loan-seekers into paying above-market interest rates. 

They also tried to force me -- though they eventually relented on this -- to garnish my bank checking account for a year-and-a-half 's worth of advance payments on property tax and homeowner 's insurance even though I had a long track record of paying my own taxes and insurance on other properties I own. This of course would take from me the use of my money over a substantial period of time and transfer the use of that money to the Bank of America. 

I am a senior citizen and a Bank of America " preferred customer. '' I keep about XXXX in my Bank of America checking account.

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 2017-10-08
Company: DriveTime
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX, & XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard  inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 've been repaying on my student loan for over ten years now, it 's been transferred from one vendor to the next. However, it started with XXXX, which is now Navient. I heard about the lawsuit, and have been persuaed into going into forberance on mulitple occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase account hacked and unauthorized purchases made with my bank information of XXXX XXXX and then those purchased were sold and money from the sale moved to an account that was not mine. Total amounts in excess of XXXX XXXXXXXX. Coinbase says they are investigating but there seems to be lack of action and no communications. It seems their tactic is to block you and hope you go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: MI
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 has been a number of unknown inquiries on my credit report the dates are listed below. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation