BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am registering this complaint against Ditech LLC. We had a loan with this company which was paid off on XXXX/XXXX/2016. They sent a check for the escrow funds they were holding in trust. However, the check was payable to myself and my husband who had passed away. I contacted them regarding this matter on XXXX/XXXX/2016 ; and was advised to return the check and send an original certified copy of his death certificate to the address in XXXX XXXX, Minnesota attention loan servicing - escrow. The check and the document was sent on XXXX/XXXX/2016 by USPS priority mail which was received by them on XXXX/XXXX/2016. On XXXX/XXXX/2016 I contacted by phone and the customer service representative stated the check and document had been received and to call back in 7 days. I contacted their office again on XXXX/XXXX/16 and was told I needed a probate affidavit ; asked why did they not tell me that in the last XXXX calls. On XXXX/XXXX/2016 I sent an " affidavit for collection of personal property under California probate code XXXX '' which was notarized along with a cover letter via USPS priority mail. The items were received XXXX/XXXX/2016 at the same XXXX XXXX Minnesota address. I have since contacted their customer service representatives and supervisors in Texas and South Dakota to no avail. On XXXX/XXXX/2016 I spoke with a customer service representative in South Dakota who referred me a director XXXX XXXX who requested I send an email with attachments of the documents ; which I did and a cover letter requesting she contact me and advise she did receive the email and documents. I have attempted to reach her on her private line and all I ever get is her voice mail. On XXXX/XXXX/2016 I contacted the Customer service department again and the customer service lead stated she would have XXXX call me back on Monday XXXX/XXXX/2016. This never happened. I have called the direct line several times since only to get her voice mail. I did notify her on the last XXXX messages that I would be contacting the " CFPB '' to report this situation. This company lacks in customer service skills, follow thru and follow up. I want my escrow monies ; I paid them in good faith and followed their instructions. I have asked on numerous occasions if they needed anything else from me and no one has said a word.

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 2016-03-07
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Refused to accept my insurance claim. Refused to allow for payments. Continues to call outside of XXXX-XXXX business hours. Has kept multiple paid accounts on credit report stating they would not remove until paid account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has committed fraud on real estate, mortgage, or Deed of Trust by participating in and conducting a public auction and Trustee 's Sale related to a XXXX balance Deed of Trust on XXXX XXXX, XXXX. 

Bank of America has admitted no balance is associated with the XXXX Deed of Trust associated with this account after recording a Notice of Default ( NOD ) and before recording a Notice of Trustee Sale ( NTS ) and proceeding to sale at public auction. 

Bank of America has foreclosed on a zero balance Deed of Trust all the while claiming a default of forty-five months at the time of sale while intentionally omitting the facts surrounding their actions to explain how such a representation to me and the public of a default, that includes principal, interest, fees, and costs of collection associated with the defaulted XXXX Deed of Trust. To date, Bank of America has not made any attempt to explanation their decision to proceed to foreclosure and begin foreclosure processes as evidenced by their submitted responses to CFPB complaints related to the matter. 

Bank of America has charge me prinicpal and interest since XXXX to pay off the XXXX XXXX Deed of Trust which conveys the down payment assistance I qualified for under the State of California 's HEAP program. However, Bank of America never forwarded the monies charged to me in XXXX to the State of California, XXXX, but rather continued to collect both prinicpal and interest through XXXX for the XXXX Debt conveyed through and associated with the XXXX XXXX Deed of Trust. Additionally, Bank of America also collected monies from a bona fide purchaser ( BFP ) on XXXX XXXX, XXXX that included the current pay off amount of the XXXX XXXX Deed of Trust. It should also be noted my real property associated with this account was used as collateral to secure the XXXX XXXX Deed of Trust as evidenced by the XXXX Financing Statement and Assignments of Rents recorded in XXXX at the time of loan origination. 

Bank of America has not collected, applied, or accepted any monthly installment payments under the terms of the XXXX Deed of Trust and I have not offered, tendered, or have caused to be applied any monthly installment payments under the terms of the XXXX Deed of Trust sine XXXX XXXX, as declared since XXXX XXXX forward. 

Bank of America is guilty of Dual Tracking, a practice prohibited by law, as I have not received any written determination, as required, on appeal from the Bank of America Appeals Department based on their XXXX XXXX Appel Report to date. Therefore, Bank of America has no authority to cause to be recorded a NOD, NTS, proceed to Trustee Sale at public auction, or otherwise complete the sale transaction resulting from Trustee 's Sale. 

All previously mentioned resolutions are desired and mandatory,

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 2015-12-14
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XXXX XXXX, 2015 I contacted Experian to have the security freezes on my credit report account and on my wife 's credit report account temporarily lifted. I paid {$10.00} for each temporary lift. 

I arranged for the temporary lifts on my and my wife 's accounts because I was told by the Social Security Administration representatives with whom I spoke that the Social Security Administration uses Experian to verify the identities of people setting up accounts. 

It is now XXXX XXXX, 2015 and I have tried repeatedly to to set up the Social Security account online and not been able to do so. Each time I contact the Social Security Administration I am told that I can not set up the accounts because Experian has not lifted the credit freeze on my wife 's and my credit report accounts. 

It is impossible for me to contact Experian by phone to attempt to resolve this because Experian does not provide a telephone number for doing so. I want the money that I have paid, {$20.00} ( {$10.00} for myself and {$10.00} for my wife ) credited back to my credit card. Experian has not provided the service for which it has been paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: VA
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 have submitted written dispute letters and as of today over 60 days later still no response. I feel like Im just a number in a large organization. I recently pulled my report and noticed inaccuracies. In researching how to get these inaccurate items removed I saw that my information was compromised in the Equifax data breach. Now more than ever I believe my information has fallen into the wrong hands. I hope you can assist me in getting this issue resolved sooner than later

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CURO Intermediate Holdings
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loans out through XXXX. I have had fraud on my bank account recently I do not want my bank information to anyone. I have told them I revoked my authorization to debit that bank account. They refused to take my account information off. I do not wants fees and overdrafts because they wo n't work anything out with me. I have talked to them numerous times. In the loan agreement they do not state how to unauthorize the debit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had multiple loans through Sallie Mae. After graduation I joined the XXXX. Before my repayments were to begin I called and set up a forebaerance so as to avoid default on my loans. When I got done with XXXX 6 months later I was informed that I was delinquent on all of XXXX ( XXXX for each semester ) loans. As a result my credit has been shot. Over the last few years I have tried to set up an income based repayment plan but was constantly denied. It was n't until the fall of XX/XX/2016 ( 8 years after my first application for income based repayment schedule ) I was granted the income based repayment. I feel that they should do a courtesy retraction of what they reported to the credit agencies. This would allow me to rebuild my credit and become financially stable enough I might be able to make some payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Other

Complaint:
i paid a company blue chip dev. XXXX on XX/XX/2016.when i realized i had been taken i called my credit card to dispute this transaction.i was first told they could not find a billing error.it was not a billing error because i had given them my information.this was services not rendered to me. i am XXXX years old, this is more of unfair and deceptive trade practice on the elderly.the bank went along with this fraud and found in their favor.this is only a portion of what they charged me.other cards responded favorably so how can some do and some dont. i dont feel as if the bank even looked into this.the amount charged has to be illegal.seems as if the bank just sent a form letter to bad.i dont know by law how much the bank or merchant are held responsible but this is thievery.i would expect more from my financial institution.

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 2016-12-28
Company: VW Credit
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
VW CREDIT INC ( Volkswagen Credit Inc ) includes a " 60-day late '' on all three of my credit reports. This " 60 day late '' happened on XX/XX/2012 and XX/XX/2012. However, I never owned, leased or financed a Volkswagen for myself or anyone in my household or family, and never paid or sent any checks/wires/payments. I have previously disputed this " 60 day late '' with all 3 credit agencies, who have duly noted that I dispute it and disagree with VW Credit Inc. I have also disputed this directly with VW Credit Inc. Unfortunately, they refuse to remove it or conduct a serious investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
A student loan was taken out via XXXX is XX/XX/2009. Payments were continually made on this account and we eventually stopped receiving any and all information on this account. A year or so later we began receiving constant and nearly threatening phone calls from a company called NAVIENT, which neither myself nor my cosigner had ever heard of. They were telling me ( including XXXX years of repayment ) that {$4.00} XXXX more than what was initally taken out in loan was due back to them. They would not give ANY information on the loan or how it got this way, just stated it had a XXXX interest rate now ( initially 5 % ). I began paying {$310.00} a month for the last XXXX years, which I can barely afford and now my account is still {$3000.00} more than initial loan amount. Whenever I call for information, they transfer to non answering line which disconnects or hang up on you right away. They offer NO repayment options. Right now it shows me estimated to pay another {$23.00} XXXX til payoff, on top of the $ XXXX that has already been paid on an original {$13.00} XXXX loan. WHAT KIND OF SCAM IS THIS COMPANY AND HOW DO I GET HELP????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: LEXISNEXIS
State: TN
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 sent a letter dated XX/XX/21 from United States XXXX XXXXXXXX XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX several times to all XXXX  credit bureaus. 
.All have used stall tatics and letters of correspondence not to process or fully process my dispute, Now that I have contacted the source of the court on my own behalf and received notice that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX XXXX XXXX XXXX and XXXX and they are using and retrieving data information from a " third party '' verification system, which my letter of verification has come directly from the source listed on my credit profile. 

Not that I have gone to Lexis Nexis they want to stall the process dispute as well it looks because they are claiming to need " Additional Documents and information to authenticate my identity. So I am attaching proof of identity to promptly process this complaint because it is clearly a violation of 1681 ( a ) ( 5 ) to keep reporting it on my credit profile, considering it does not require an reinvestigation. I would appreciate your response promptly. I should not be still fighting this issue another year later. 
I have attached XXXX or more copies to authenticate my identity to process my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America, which is my own bank, took my whole XXXX check from my account to go towards a charged off auto loan. This is only my second XXXX check received. They gave me know warning beforehand. I got XXXX certified letter today that states they took the funds and will take more. I ca n't pay my rent, utilities, meds etc. they took the whole amount. I have read that this is not legal. Please help! 
XXXX, Oregon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is regarding Portfolio Recovery Associates, XXXX ( here after referred to as PRA ). PRA is attempting to collect on debt ( s ) in which they say I owe them totaling up to {$10000.00} for 12 accounts. Ive made numerous attempts by sending certified letters via mail on XX/XX/2020 and XX/XX/2020 to PRA requesting them to provide me with certified copies of these accounts and any viable evidence showing VALIDATION ; that is competent evidence bearing my wet signature, showing that I have or ever had some contractual agreement with PORTFOLIO RECOVERY ASSOCIATES, XXXX. PRA are reporting fraudulent tradeline accounts to my credit reports that has and continues to impact me severely. 

Moreover, PRA has not provided me with sufficient documents in regard to a contractual agreement between myself and PRA stating that I owe the above-mentioned amount of debt. This is not sufficient and compliant of federal laws under the Fair Debt Collection practices, the Fair Credit Reporting Act, and the corresponding local state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a letter to Caliber Home Loans disputing the validity of the mortgage debt .I requested proof of payment for the fees Caliber Home Loans charged in escrow. 
Caliber Home Loans did not sent any documentation I requested it. 
Caliber Home Loans stated that will not produce or provide copies of invoices wherein I paid a fee for my loan. 
Caliber Home Loans keep sending fees breakdowns and payment history without any proof of payment! 
Caliber Home Loans will not provide copies of receipts and invoices because it is unclear as to how they relate to an error on the loan. Why Caliber Home Loans does not provide proof of fees payments they charge to my Loan? In the criminal world is called stealing. 
In addition Caliber Home Loans did not answer any questions i asked regarding the transfer and purchasing of my loan from XXXX to Caliber and new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
My grand-daughter took out student loans. I agreed to co-sign for XXXX loan. She has not made payments on any of her loans. Navient has screwed up my credit for over 5 years by reporting to the credit bureaus negative non payment information for XXXX loans my grand-daughter took out of which XXXX I did not personally co-sign for. I have disputed this with the credit bureaus to no avail. I also disputed this with Navient. They sent documents to their Attorney for collection which actually prove I did not sign for XXXX of these loans. Navient is fraudulently trying to collect on XXXX loans I never co-signed for. They even typed my name on XXXX of the XXXX in which I never signed or knew about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: MO
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:
I sent a letter plus I did a dispute but they keep putting address on my report that are inaccurate.

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 2015-04-30
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Hello, my name is XXXX XXXX. I took out a loan in XXXX of XXXX from XXXX XXXX. In XXXX I started paying it back so I can get out of it being defaulted but stopped paying about 6 months into my payments. Last years tax return ( XXXX ) I filed my taxes and was supposed to get it back but when I never received it I called their offices and was told it was used to payback my student loan ... The debt collectors had garnished my wages since XXXX of XXXX and then they took my tax return and I finished paying off the rest of that loan of XXXX something. Well I 'm sure they 're allowed to garnish my wages but take my tax return? Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a common maiden name. I got married in 2008 and am now under a different name. For the last several years my mother has been getting phone calls from Navient trying to collect a debt of someone with the same maiden name as I had. She has told them repeatedly that it 's not me who owes the debt. I have called to speak with them and they told me that my social security number and birthdate do not match the person that owes the debt. But somehow my parents ' names and their phone number and my current address are linked to this other person. They told me that they could clearly see that the debt is not mine since it is not my SS # and birthdate. I asked if they could stop calling my parents ( at times the calls have been borderline harrassing ). Navient said they would put a note attached to their # saying to not call it anymore. I had this same conversation a year ago and the calls started up again. They recommended I call the credit bureau to make sure that my credit scores have not been affected or that this other person is using some of my information. As far as I know, I still have a good credit score. I have to still call the credit bureau. I 'm not sure how to make theses calls stop or how to get my parents ' # and names and my current address unlinked from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke with NCA in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation