BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016 I was departing the country fro two months and paid my XXXX and XXXX mortgage in advance and asked for auto pay to be removed. In XXXX the Bank of America attempted to collect the XXXX payment an increased rate of {$2600.00}, as the fund were not available I was charged overdraft fee. 
The mortgage department then blocked me from paying the mortgage, because of a late payment. There was no late payment as it was a attempt to collect the mortgage two month in advance. 

On Friday the XXXX of XXXX I received the letter saying they refused the payment of XXXX mortgage by direct transfer. I had to pay by certified check. 
I explained that I had just come out of hospital and could not drive, the bank employees said they would not make a change so that I could pay on line nor could I pay in cash even if I went to the bank. 
I have been discriminated against and not given fair and equal access to my account both the mortgage account and current account are in my name and the Mortgage department blocked payments. 
In desperation I called my daughter who drove me to the bank to make the transfer. 

When I called the mortgage department back they said they may return the payment. 
The supervisors failed to call me back failed to put me in touch with the resolutions department. Failed to provide their names, threatened to foreclose on my house. 
This was extreme discrimination against an elderly XXXX person, I fully informed them of the XXXX and still was forced to travel XXXX miles to the nearest branch to resolve the issue. This was XXXX. 

Durung the past several years I have had numerous complaint on enforced insurance when I held insurance. Overcharging of insurance when they enforced insurance, failure to return funds. The mortgage rate is charged at 6.25 % the bank refuse to change this due to dramatic changes in circumstances, I am being forced to sell the house due to the XXXX, overcharging and general harassment by the Bank of America Mortgage and Insurance department.

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 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hello Sir ; Im having an issue that needs immediate attention on my credit report because I have noticed unauthorized usage of my personal information to apply for applications thats not of my consent and thus is a fraudulent claim of the following services and a risk to my credit information. 

XXXX  XXXX ( Bank ) XX/XX/2022 KOHLS/CAPONE ( Retailer ) XX/XX/2022 CAPITAL ONE BANK XX/XX/2022 CAPITAL ONE BANK XX/XX/2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-17
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am going through a divorce with XXXX XXXX XXXX, XX/XX/XXXX, address is XXXX XXXX XXXX XXXX, XXXX, WV XXXX. XXXX XXXX has used my cc to charge multiple services on my XXXX Credit Cards, for ex : Instant XXXX. He has created multiple email addresses to obtain information from my credit cards and/or credit report. The email addresses being used are XXXX # XXXX, with my name being XXXX XXXX, Also, there is XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. XXXX XXXX has been letting XXXX XXXX XXXX XXXX, DOB - XX/XX/XXXX ( my sister ) and XXXX XXXX XXXX ( my cousin ) use my ss # in order to obtain Credit cards for their personal use. This activity has been going on since XX/XX/XXXX until current. XXXX XXXX has been doing it longer. Please help me, I feel my credit is being destroyed. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a email, due to. XXXX XXXX hacking into them ... You may try and use XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: LendingPoint Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I applied for a loan online, the company lending point said my credit score was XXXX using XXXX. I know for a fact my credit score is over XXXX because I just checked it. I think they are attempting to charge me a higher interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: MA
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:
Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by XXXX on XXXX. These accounts and inquiries are unauthorized and fraudulent and requesting immediate deletion/removal of both inquiries and accounts.

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 2016-02-25
Company: RAB, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX XXXX is with RAB, Inc. Collection Agency representing DWR construction comp. He first contacted me on XXXX/XXXX/2016 and indicated they would auction the contents of my home and/or garnish wages to collect the award judgement. Despite having my contact information, he e-mailed and telephoned numerous individuals at work indicated he was " trying to reach me '' regarding a dept collection. He 's also made several threatening calls to my parents ( in their late XXXX ). XXXX XXXX continues to call my office telephone number despite being told not to contact me at work. He knows I 'm consulting with an attorney.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
b of a botched my refi. they dragged it on for months, claiming issue was name change. when we went to closing, name not changed, bad number given for contact, rates had gotten lower. they variously spammed me with email I did not want, refusing to stop, yet refused to provide contact email for the responsible parties/ refused to respond to email. their customer service is terrible. I have asked them to fix the rate and/ or refund fees, which they did not earn based on the terrible experience with refi. they refuse to be held accountable. innumerable phone calls, emails, faxes, letter, withholding payment have not led to resolution. they unilaterally instated escrow against my express wishes to the contrary. they refuse to be held accountable

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: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid. 

I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '. 

In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster. 

If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '. 

Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed XXXX fake charges on her report. 

XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account. 

I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious. 

What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Only your failure to respond has resulted in your case being processed this call is to inform you that you have one full business day and which to rectify this matter, Please Advise you must call by XXXX to at XXXX XXXX You may Call XXXX again that is XXXX?

Company response to consumer: Closed
Consumer complaint received 2015-11-13
Company: Wallace Management Company, LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Empire Finance has harassed me as well as my family and other references about a loan in my name, I have tried to resolve this issue bioth with the local office as well as there corporate office. I also have now been sent harassing letters threatening to sue me, I have now retained legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I was given a equity loan 10 and a half years ago were I was to pay interest only. I have done this on time for all this time. The bank half a year ago told me I was after the 10 years to pay them principle and the interest. I am willing to do this but the principle they want me to pay is much more my wife and I can afford. We are in our XXXX and live on social security and a part time job. After talking to a government foundation who tried to help us for over 4 months they the foundation told us we should file bankrupty before the bank as treatened foreclosure on our home for over 35 years. Please help.

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 2016-04-25
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Attempting a short sale. The buyer is a tenant in the property. The relationship was disclosed and short sale lender refusing to process short sale claiming that it is not an arms length transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a letter letting me know that the interest-only payment plan I 've been paying for XXXX years would be ending XX/XX/2017. The letter stated that if I was going to have trouble making the new, higher payments, to contact Navient to discuss the repayment plans. The letter states that an alternative payment plan could help me lower my monthly payment. When I contacted Navient I was transferred to XXXX different representatives. The first woman discussed a payment plan with me, but said she had to transfer me to collections. That representative said she was n't sure why I was transferred to her and transferred me to a man who told me that he had no idea what repayment plan the first representative was talking about and that I actually do n't qualify for any reduced payment plans. He stated that I would have to continue paying the standard amount because I do not qualify, so I 'm confused as to why I even got the letter in the first place and why one person did n't know what the next person was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 I cancelled XXXX XXXX homeowner 's insurance and contracted with XXXX XXXX for homeowners as it was much cheaper. On XXXX XXXX the XXXX policy went into Effect. Ditech my mortgage company paid {$740.00} to XXXX XXXX without a policy being in effect on XXXX XXXX and XXXX XXXX cashed the check knowing it was cancelled. Then Ditch paid XXXX {$500.00} shorting my escrow account. So they paid XXXX homeowners insurances. I told them not to pay XXXX XXXX verbally and they paid them anyway knowing I had XXXX insurance. I have been in contact with the NC Dept of Insurance, The NC Banking Commission, The XXXX and with XXXX XXXX at XXXX XXXX XXXX on your side. I have filed complaints with all of these agencies. I have placed a phone call to XXXX XXXX, XXXX of Ditech Financial, LLC with no return call back. They have charged late fees, threatened to ruin my credit, said I owe them {$1100.00}. My payment was {$570.00} and is paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But they have stolen my money and have taken it from my payments and charged exorbitant interest rates, hardly put anything on the principal and they sent me a check for {$520.00} which is in error and I have not cashed this check. These people are total XXXX. This is simple math, their error. All I did was change insurance companies and they have totally mishandled my account and have not rectified it yet. I want them to be prosecuted to the fullest extent of the law and put out of business as they are not competent to handle money. I have talked with their customer reps and supervisors to no avail thus I have filed numerous complaints hoping someone can resolve this for me. The laws need to be changed because Ditech should not have been able to pay XXXX homeowners policies when I had cancelled XXXX. Please help me. I am XXXX and have this mortgage and they are causing me so much XXXX and I have a XXXX XXXX. Please get these XXXX to fix my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
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:
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady. Something needs to be done about these predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A landlord is illegally reporting false credit information to XXXX and XXXX is refusing to validate the dispute. A judge ordered a judgement in the amount of {$2200.00} on XXXX and XXXX XXXX is reporting that I owe {$10000.00} and is refusing to remove this information even with a copy of the actual judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with LoanDepot. I signed up for paperless service and I access bills and other information from my loan depot account. 

Loan depot 1 ) Changed their account service system, which requires creating a new account AND 2 ) Changed the loan number on my loan. Now, I can't access my account to find out my new loan number nor can I create a new account because I do not have my new loan number. 

I have tried contacting the loan depot phone number, but once again, I can not get through the automated system because I do not have my loan number, which is required to be entered prior to speaking to a human being. 

I need to make sure that my payments are going and that taxes insurance etc are being paid correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NV
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 filed a dispute with CFPB on Experian. The dispute number is XXXX. Experian has ignored my attached documentation that was sent with the prior dispute. Experian claims they did not get my documentation which was a copy of my passport and my utility bill. Experian continues to display a address that does not belong to me along with accounts that is attached to the address. XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXXXXXX XXXX XXXX XXXX XXXX  All these accounts are attached to the above address. I have started legal representation because Experian has broken several FCRA laws. CFPB has not helped and I will be reaching out to FTC. No consumer should have to endure this craziness! Remove these erroneous accounts immediately!

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 2015-04-22
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently filed for Chapter XXXX Bankruptcy and the Bankruptcy discharge was received on XXXX/XXXX/XXXX. My home mortgage was not included in the Bankruptcy and was not discharged. A reaffirmation agreement was not submitted for the home mortgage as it was our primary and only residence and we were not required to re affirm the home mortgage debt. I have had the mortgage/loan since XXXX XXXX, have never been late and never missed a payment. Since filing for bankruptcy in XXXX XXXX my mortgage lender has stopped sending monthly statements. After the discharge was received the mortgage company refused to submit my monthly statements. I have called 3 times since XXXX XXXX XXXX requesting to have my statements mailed and the mortgage company has refused to do so. The mortgage company stated if I do not submit a re affirmation agreement for the loan they would not report the on time payments to the credit bureaus and would not submit monthly statements. The bankruptcy has been completed, the discharge has been received and the mortgage company refused to send me monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a formal complaint against Ditech in regards to XXXX program and I supplied all information that they asked, which was proof of my 1st lien being modified under the XXXX and other document that support the XXXX modification. Ditech did n't consider my information that I supplied and replied that XXXX XXXX XXXX XXXX XXXX did n't reported my 1st mortgage being modified under the XXXX. Therefore, Ditech refused to consider reviewing my loan for the XXXX because of the negligence of XXXX XXXX reporting information about XXXX program. I believe Ditech is not servicing my appropriately and they are hinder me from receiving my opportunity to government assistance program in reference to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation