BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I paid to XXXX for car rental in advance of pickup in the sum of {$160.00}. The car was to be picked up from XXXX ( XXXX ) on XX/XX/XXXX to be dropped off XX/XX/XXXX. Upon arrival at the Merchant 's office, I was asked to pay a deposit for insurance in the sum in excess of {$1800.00} ( XXXX Dollars ). I informed them that my credit card ( Bank of America ) had auto-insurance that covered the rental car. They rejected and insisted I must cough out the requested amount. I reminded them that I was not informed at the time of the transaction that I would be required to pay ten times the car rental charges as insurance nor was I pre-notified that card-backed auto insurance would be rejected. 
As I could not afford what was being requested, and believing that it was a way of fleecing me, I requested to be refunded my advance payment. The Sales Representatives requested me to contact XXXX. Astonishingly, nowhere on all the receipts and other information sources were the contact details of XXXX was stated. 
I eventually was able to find the contact details on the internet and put several calls through that went into voicemails. 
The only option left was to dispute the transaction as the merchant had made it impossible for me to obtain the service I paid for. 
I provided all the information requested to Bank of America and after couple of weeks, I was written a letter by the Bank that I could not be refunded because the merchant made the service available but I did not avail myself of the service. 
My complaint is that the Bank ( Bank of America ) aided the merchant in under-cutting me. The Bank knowingly provided me with an auto insurance-backed credit card that they knew would not be acceptable to car rental companies and did not do anything to my knowledge to challenge the merchant as to why the auto insurance was rejected. 
The Bank 's action is a breach of Dodd-Frank Act ( UDAAP ) Unfair, Deceptive, Abusive Act Practices ) by knowingly selling to me a credit card product ( auto-insurance ) that is evidently worthless in the market place. I feel strong about this particularly the way the Bank Agent that I spoke to responded to me with a high level of non-chalance. 
I hereby appeal to CFPB to assist in investigating this deceptive transaction with the aim of recovering the sum of US {$160.00} that was surreptitiously debited to my account by the merchant in connivance with the Bank of America.

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 2016-04-06
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sought help with refinancing or a loan modification after I found that my husband unexpectedly decided to file for divorce. I bought my home prior to our marriage. We as husband and wife decided that it was ok for me to become a stay at home mom and wife due to his increase in income. So when he up and left I had no other income. I reached out to the company listed below and was advised to not make a payment, which I was up to date on and not ever late up until this point, with help from my parents. I took the advice and now a little over a year later I am unable to get caught back up and looking at possibly losing my house. I wish I would have known then what I have come to learn now! 

XXXX XXXX Processor ( Not an attorney ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Toll Free ( XXXX ) XXXX Ext. XXXX Fax Number : ( XXXX ) XXXX Office hours XXXX to XXXX est.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am trying to refinance my mortgage loan that I have with XXXX. I have XXXX mortgages the XXXX and biggest is with XXXX and the XXXX XXXX and smallest is with Green Tree Servicing. On XXXX of 2015 I tried refinancing with XXXX but Green Tree, owning the XXXX mortgage to my home refused to subordinate the loan with XXXX. I fall under the HARP program but have not been able to take advantage of this opportunity because of Green Tree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and not sure how this happened. I am in the process of selling my home and getting ready to use my XXXX loan and this is really affecting my credit. I am so sorry for any inconvenience but wondering if there is anything you can to do help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Meade & Associates, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Wrote check at XXXX 's XXXX XXXX on XX/XX/XXXX. It bounced. 
XXXX hired Meade and Associates on XX/XX/XXXX to collect. Once I got the notice I called and made arrangements to pay half on XX/XX/XXXX and the rest on XX/XX/XXXX. They said I would not be reported to the credit bureau with these arrangements. I got a copy of my credit report on XX/XX/XXXX and suddenly there is a paid collection on my account that says this debt was paid in XX/XX/XXXX! This entry has dropped my score below what I need to buy a house. The girl I just talked to was mean and nasty and said there is no way they will remove this entry ever for any reason. I asked her point blank even if you are wrong you will not remove the entry and she said no never. XXXX she told me that the rule was it had to be paid within 60 days of them receiving the debt so I paid the last payment at XXXX days but they told me when I made the arrangements they would not report at all. I was arguing with her and then she says no it is not 60 days it is 30 days from when it turns up in their office. She just kept lying. They found it necessary to send it thru to the credit bureaus XXXX months after I paid it off!!!!!!!! This is XXXX and they need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan has transferred from XXXX to Ditech. When loan transferred it stated I had an escrow account for insurance which was false. Never had one. I have contacted Ditech on numerous occasions to correct the issue without success. Ditech continues to try and impose an impound account that did not exist or needs to exist. They admit to having proof of insurance. I am now receiving collection calls and letters. I have paid my principle and interest timely but not not the escrow amount as it is not owed. To complicate matters I was advised from a Ditech Rep they have not even applied my last payment as of XXXX when the check cleared my bank on XXXX. So where did my $ $ go? I am concerned that a report will automatically go to the credit bureau because of an issue they have refused to address and correct. I find I am in need of some assistance to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Debt Recovery Solutions, LLC
State: CA
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 get calls from a firm named Debt Recovery Solutions. When I explain that I am not the person they are attempting to call ( XXXX " XXXX '' ), and ask that they quit calling they tell me that the cell phone number I have, ( XXXX ) XXXX, is not in their database. When I remind them that I am returning their phone call they ignore that and attempt to get personal information. The phone number shown as calling on my cell is ( XXXX ) XXXX. I informed them that I would be making this complaint. They told me that they are recording the call, and I replyed " I do n't care, just remove this number from your database ''.

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 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 was already pre-approved for an Auto Loan through Capital One, the dealership still ran my credit through multiple banks whiteout my permission. I ended up with multiple hard inquiries through my credit when I only wanted to go through Capital One since I was already pre-approved through them. I was given the run around after I tried to dispute the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refianced our mrtg with XXXX in XXXX 2015, had free month of XXXX not pymnt due, made XX/XX/XXXX pymnt to XXXX. At the end of XXXX were contacted by Green Tree telling us that we owed them the mrtg pymnts, showed proof that payments were made to XXXX XXXX via bank statements. Was told to make pymnt to Green Tree instead which we did for XXXX, in mean time while investigating the payments for XX/XX/XXXX we were reported as being 60 days late in XXXX when all payments had been made on time. Our XXXX pymnt was applied to XXXX and XXXX pymnt was applied to XXXX, which they reported us at that point of being 60 days late for XXXX. On XXXX XXXX XXXX returned XXXX payment to us and we contacted Ditech immediately and made that paymnt back to them. We also made our XXXX pymnt to them which was completely cleared from our account on XXXX XXXX and was not applied until we contacted them on XXXX XXXX. Instead of applying the pymnt and post dating it back to XXXX XXXX they left it at the XXXX which then made us late and we were once again reported as being late. We once again contacted Ditech and after speaking with a lead agent named XXXX we were informed that our account was a mess for several reasons. First Ditech was buying out Green Tree which changed their computer systems and things were a mess because of it. Second we were informed that the mortgage company can not report your credit status for the first 60-90 days, especially when XXXX payment was under investigation. XXXX XXXX was not supposed to return XXXX payment to us, they were supposed to forward it to Ditech. XXXX Ditech held our XXXX payment for unnknown reasons and when we called to have it corrected the person who applied it should have corrected back the posting date to the XXXX. XXXX was very helpful with clarifying the notes to the dispute department and I was informed that the incorrect reportings to the credit departments would be corrected by XXXX XXXX and XXXX XXXX. We received a letter in the mail from Ditechs dispute center informing us that all of the reporting of being late were correct and would not be changed on our credit reports. This is a very troubling situation for both my husband and I and if we had known what bad service and business service XXXX was putting us in, we would never have refinanced with this company. We have made the first 4 months mortgage payments to XXXX different mortgage company 's and not one of them could get it right. PLEASE HELP US!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Here we go again. Obviously Greetree is not overly concerned about their scamming tactics. This is the third complaint with CFPB about Greentree Servicing who continue with inaccurate billing and charges. 
Attached is a copy from my bank listing payments for my mortgage. {$800.00} dollars a month. My mortgage is {$700.00} a month. I have requested repeatedly that any additional monies always be applied to my principle balance. Instead it is put in an " unapplied funds account ''. Not applying the additional money to the principal interferes the mortgage being paid down accurately. 
XXXX 2015 billing statement reflects XXXX due when only XXXX is was due. So calculations for remaining balance would not be accurate. When I called the company therepresentative, XXXX stated the XXXX 2015 payment was dislocated. And again the same thing happened XXXX 2015. My payments are made electronically. No excuse for saying it as dislocatedSecondly, when the billing statements come in the mail they do not reflect the true balance remaining. I have requested a payoff statement several times and have not had I response from the company I am so close to paying off the house. But with the tactics this company practice I no doubt I will have over paid monies to them. 
I want an accurate payoff statement mailed to me. And from this point on I want any and all additional payments to be applied to the principle balance. All future billing statements should accurately reflect what the remaining balance is. This is the second time that I have filed a complaint with CFPB that pointed out similar incidents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a veteran and trying to refinance my home into a VA mortgage. I am in the process and have hit a sang with my current lender Ditech. 
Ditech is adding some additional Corporate Advance of {$63000.00}. My mortgage was modified with Green Tree the previous servicer. I have attached documents showing the partial payment and the balance included in the bankruptcy. There should not be a corp. advance fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree left a message to get in touch with as soon as possible on my phone at my job. I did call them back although I was puzzled as to why they called me ... I sent my payment in on time. I called Greentree,,, the respresentative told me that their system was down ... I told them I sent my payment in because their system had been down they had not processed my payment and I needed to pay via XXXX ( XXXX ). I did pay via speedpay but I do n't think I should have since it was not my fault their system was down. I did my part and sent the payment on time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Western Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I do n't know who this company is but they have called me, my employer, former employers, and family members that I have n't spoken to in years as well as my ex husband. They claim that I owe for a payday loan of which I have repeatedly explained to them that I have never in my life taken out a payday loan. They refuse to mail anything showing me documentation. I went ahead and paid {$440.00} in XXXX after they promised to send me a letter showing that all claims against me were clear and I had a zero balance, hoping that the embarrassing calls would stop and now they have gotten worse. I have never received any letters or any documentation what so ever from these people. This company now claims that I have more debt that they refuse to disclose but I MUST pay immediately to avoid a warrant. I have never in my life done anything illegal and this company is scaring me as well as embarrassing me by calling everyone they can find that has ever had any type of contact with me. They refuse to provide an address for their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have Ditech auto pay since I had this loan. Habitually EVERY MONTH Ditech either does n't deduct the auto pay, skips a month which would result me being past due, or cancelled my auto pay and reinstated it the next month. I have to babysit my auto pay EVERY month because I have NO faith that Ditech will do this correctly. I have spoken to high level supervisors who tell me this wo n't happen again, and hence it did AGAIN. My payment is due XXXX XXXX, 2016 and they show a debit date which is XXXX/XXXX/16 which would make me not only 30 days late but jeopardize my pristine payment history and also the terms of my modification state I can not be late. I find this deceitful practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
* Son ( formerXX/XX/XXXX) called for information about parents account -- - parent recorded with out their knowledge -- - which is agents Florida statue 934.03 -- - subsection three d * Filed two complaints, one was miss processed -- - The other one simply vanished

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began a divorce with my former spouse inXX/XX/XXXXXXXX, and we jointly initiated and signed all documents for a title transfer and a mortgage assumption of our home into my name alone. USAA is the institution handling the mortgage that was underwritten by XXXX throughout the process of the initial assumption. The divorce finalized in early XX/XX/XXXX and the completed assumption package with all paid fees ( {$350.00} ) and necessary documents was received and confirmed accepted inXX/XX/XXXX. I confirmed this through USAA and obtained a copy of the completed package. Many months went by with no word on the assumption. I was later contacted in XXXX and XX/XX/XXXX by a XXXX representative asking for updated documents for running credit history as the provided documents in the assumption package were now outdated from their company not processing the package. All documents were promptly provided. Again no progress was made for several months. I was informed over the phone by the special loans department that the representative that contacted me no longer worked in their office, and no one was aware of the status of my assumption. 

Sometime in the following months the mortgage was sold to XXXX without any notification. I was then forced to restart the assumption process through their company with entirely new documents in XXXX to XX/XX/XXXX. By the end ofXX/XX/XXXX, I was informed by the Research Department of USAA that the new assumption package was fully accepted, and their office was awaiting closing documents to be sent back from the underwriter. Between XXXX andXX/XX/XXXX I have had numerous email conversations regarding the progress, which has resulted in the same response each time, that they are awaiting closing documents. In XX/XX/XXXX I requested contact information for a manager or director. The number provided does not answer, and does not return calls when messages are left. 10-15 attempts were made over 2 months. My most resent email sent onXX/XX/XXXX has yet to be returned. I have copies of all email correspondence, assumption documents, and notes regarding most phone contacts with names and dates. 

Their office ( USAA Research Department ) does not provide phone numbers, and instead utilizes an organization email address. They appear to either be deliberately not processing my assumption, or are failing to do so out of extreme negligence. I am requesting assistance to get this assumption completed, as my attempts to do so alone have been unsuccessful now for 2 years despite taking all necessary steps two times over. I am certainly not the first military member to get divorced and assume a mortgage through USAA or its affiliates, this should have taken 30 days, not 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015 I had a disagreement with XXXX XXXX XXXX. I called my credit card issuer Bank of America and informed them of the issue and that I would refuse to pay the charge. I received a letter the last of XXXX to the effect that BofA decided to accept the charges from XXXX. I believe this was a scam on XXXX 's part and BofA had no business making such decision. BofA has since been sending me bills adding fines and interest charges. I refuse to be intimidated and refuse to pay said charges.

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