BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-24
Company: CAINE & WEINER COMPANY, INC.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection agency has reported that I own {$89.00} for an policy that I paid in full. I have disputed this with XXXX and have gotten no where. I paid this policy in full and then cancelled it. I had no issues at the time of closing the policy and was not aware of any other charges. I have notified the collection agency of this and they have no verified the debt. The amount of {$89.00} should be removed asap. I am filing this complaint first to see if I get anywhere. If not, I have intentions to refer this to my attorney for a civil lawsuit seeking damages. I do n't care of the cost, this is principle. I expect this to be removed from my XXXX Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I TOOK OUT A CAR LOAN IN XXXX W/CHASE BANK. FOR A XXXX GMC YUKON. MY GMC WAS DEEMED A TOTAL LOSS BY THE MY INSURANCE CO [ XXXX ] ON XX/XX/XXXX. MY INS. CO. BY POWER OF ATTORNEY MY INS.CO. REPOSSED MY VEHICLE ON /OR BETWEEN XX/XX/XXXX & XX/XX/XXXX. AT THE TIME MY INS. CO PAID FOR A RENTAL VEHICLE & SOON AFTER SENT ME A CHECK FOR THE BALANCE OF THE EQUITY AND AT THE SAME TIME SENT CHASE BANK THE BALANCE OWED ON THE LOAN. TILL THIS DAY CHASE PLACED A NEGATIVE REPORT WITH THE CREDIT BUREAU [ S ]. SAYING THAT I STILL OWED THEM MONEY. I 'VE TRIED IN WRITING, BY PHONE SEVERAL TIMES TO BRING THIS MATTER TO A CLOSE BUT TO NO AVAIL. I HAVE WRITTEN DOCUMENTATION ON ALL PERTINENT WRITTEN AND NON-WRITTEN COMMUNICATIONS WITH CHASE. THE ONLY RESPONSE I KEEP GETTING FROM THEM BY THEIR REPS OVER THE PHONE IS THAT THEY 'RE GOING TO MAKE A SPECIAL INVESTIGATION INTO THIS MATTER AND AS OF TODAY I HAVE N'T RECEIVED ANY RESPONSE. EXCEPT THAT ... VIA EMAIL ... I OWE THEM A PAYMENT. IT 'S BEEN WAY OVER 14 MONTHS. I 'M TRYING TO BUY A HOUSE WHICH I ALREADY HAVE A DOWN PAYMENT ON AND THIS NEGATIVE REPORT BY CHASE IS HAMPERING THOSE EFFORTS. PLEASE BE ADVISED THAT BEFORE [ AND ] AFTER THE HAIL STORM DESTROYED MY VEHICLE I NEVER EVER HAD A LATE PAYMENT. I ALSO SPOKE WITH MY INS. CO. REP. AND THEY TOLD ME THAT IT WAS OUT OF THEIR HANDS AND THEY ALREADY SETTLED AND PAID CHASE BANK IN FULL FOR THE AMT. THEY [ CHASE ] REQUESTED AS A PAYOFF BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This collection agency was able to receive a judgment against me without giving me the opportunity to respond or dispute my case, they also denied my request after several attempts requesting to see a signed agreement or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I hired a company to get me a loan modification and they scammed me. I was told not to make payments and now I 'm $ XXXX behind. ( I filed complaint on them too ). I had to file bankruptcy to keep my house. It is very difficult money wise. I have XXXX to care for. I asked the loan company ( Ditech ) to put the arrearage to the back of the loan so I could save {$600.00} a month or so. They are giving me the run around. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Tormey Bewley Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was fully insured with XXXX XXXX XXXX when I received a bill from XXXX XXXX for lab work that was covered under my insurance. I have proof that I was under insurance at the time. I did not receive any mail about delinquency from this creditor, Advantage Group, who appears to have bought the debt. Now it is showing up on my credit report as unpaid and I want it removed. I did not owe this debt in the first place and I was not notified that it was in collection.

Company response to consumer: Closed
Consumer complaint received 2016-08-27
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016, Ditech Financial LLC did not credit my account with the normal monthly payment that always comes out of my bank 's bill pay. After numerous phone calls, I finally wrote them in XXXX, than again in XXXX, and again in XXXX. All three times I sent them proof of payment. They finally admitted that my payment got credited to another account, but still did not credit my account. Also, they would not give a payoff amount. On XXXX XXXX, 2016 I submitted a complaint with the Better Business Bureau and the next day, according to their on-line web page/my account, they did something. It is very confusing because they credited half the amount of my payment and had some principal numbers and interest numbers and unapplied numbers. But I was happy because my XXXX billing statement showed I was currant in my payments. Also, I received a payoff statement which seemed to have the correct amount. However, I have since received another billing statement for XXXX that states they have put my XXXX payment in their " Funds in Suspense '' account and they want me to pay XXXX payment again. And I received a foreclosure letter from them dated XXXX XXXX, 2016. A week later I received another letter that was a copy of the first. Both letters state I have till XXXX/XXXX/2016 to cure the default in the amount of {$0.00}. This makes no sense to me. I have always been paying them on time ever since they have assumed the loan.

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 2015-05-18
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My house at XXXX XXXX XXXX, XXXX, RI was foreclosed on by XXXX, because i had bought a new home, could n't sell the house and had exhausted my savings trying to pay both home mortgages. Green Tree was the second mortgage holder. I have been paying a monthly payment since XX/XX/XXXX, once I was contacted by Green Tree and the XXXX foreclosure was settled. I am required to set up payments in six months intervals, which I do for {$300.00}, which is higher than my original mortgage payment. I am not allowed to make the payments monthly on my own and are forced to pay a {$12.00} processing fee each month, which i have done. The last time I had to set up the next six months of payments, I was required to provide all my financial information before they were willing to discuss my account with me, when I refused to i was threatened with being sued. I reluctantly provided my financial information and was subjected to questioning about my monthly bills, my current mortgage, why i have open charge cards, why is my cell phone bill so high, etc. I was then lectured about paying the Green Tree debt first, in fact, the representative was trying to force me to make an offer to payoff the balance immediately. After much convincing I was able to get the Green Tree representative to set up another six months of payments. The representative made it very clear that if I do not settled the debt after XX/XX/XXXX, when the sixth month payment is processed or they will take me to court and sue me for the balance in full. I do n't feel I am being treated fairly. I am paying the mortgage lender monthly, the amount is larger than the original mortgage payment, I am paying a $ XXXX monthly processing fee and yet I am constantly threatened with a lawsuit for nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Purchased home approximately XXXX XXXX, XXXX. Ditech was mortgage company on this purchase. 

On or around XXXX XXXX XXXX I refinanced the home with Ditech again as the mortgage company. Within 1 week of the refinance Ditech dispersed the county property escrow taxes for approximately {$4900.00}. 

Now again in XXXX XXXX Ditech has disbursed from my new loan another county tax payment of {$4900.00}. I have called Ditech nearly 6 times in the past 2 months to be certain my escrow accounts are being handled correctly. To date they are not responding to where my escrow money is from the previous loan. I am basically out {$4900.00} due to their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A loss mitigation package was faxed to Ditech originally on XXXX/XXXX/2016 to start a loss mitigation review. A document request was made on XXXX/XXXX/2016 where bank statements, pay-stubs, and a new letter of employment was requested. XXXX XXXX started working at his employer on XXXX/XXXX/2016. On XXXX/XXXX/2016 a letter of employment stating the first date of employment was XXXX/XXXX/2016, salary, and wage along with his first pay-stub that was received dated XXXX/XXXX/2016 was sent to Ditech. When Ditech was contacted on XXXX/XXXX/2016 they stated that because he can not supply the 30 days worth of pay-stubs they do not have a complete packet. The review was then sequentially closed in XXXX because the 30 days pay-stubs could not be provided for the new job. The review should never been closed over documents that were not able to provide. A new packet had to be sent to them on XXXX/XXXX/2016 with all updated documents. When the lender was contacted on XXXX/XXXX/2016 XXXX XXXX, the representative at Ditech, stated that the account was removed from loss mitigation, they do not have the documents that were faxed on XXXX/XXXX/2016, and they still have a foreclosure sale listed for XXXX/XXXX/2016. The file has been active in loss mitigation since XXXX and they are violating dual tracking. They not ask for documents that are not possible to have and then close out the review to continue with foreclosure. The letter of employment is the verification that they need along with the only pay-stub received that is required and they could have reached a decision but instead they closed the review and are stating they are not receiving documents sent to them to continue with the foreclosure.. Pursuant to Regulation X of the Real Estate Settlement Procedures Act, 12 C.F.R.1024.41 ( g ) they are violating dual tracking.

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 2016-09-23
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred to DiTech for servicing XX/XX/2016. Since then my taxes have not been paid. Funds have been withdrawn from my escrow account and not applied to my tax bills. To this date my County and interim school tax bills have not been paid. I have been reaching out to DiTech since XX/XX/XXXX to get this resolved and have been unsuccessful. I was put in contact with several managers at DiTech and XXXX who distributes the tax funds and have not received any feedback or resolutions. DiTech has also taken additional monthly mortgage insurance payments from my escrow account as well with no explanation on why. Any help addressing this matter would be greatly appreciated.

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 2016-05-19
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage that was bought by Ditech. We have always paid our payment through my local bank bill pay. Well, the last XXXX months Ditech has credited our entire payment to escrow instead of the principal, interest and escrow. We keep getting calls demanding payments that we have already made.we have talked to numerous reps from Ditech who tell me that they have enhanced their online experience. Ever since the " enhancement '', it has been a nightmare. They have continually admitted it is their fault, and have promised it will be fixed. It has not. I received a notice of a negative rating on my credit report for missed mortgage payments. Ditech insisted they never sent anything to the credit bureaus. we are at our wits end with this situation. we keep getting letters in the mail urging us to get credit counceling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: GMA Investments, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated recorded calls to my home. I returned call. Was told they were looking for XXXX. I very politely told them they had the wrong phone number - no XXXX name XXXX lives here. Furthermore I do not know a XXXX. Still calling my home repeatedly. I attempted to call & tell them again that they have the wrong number but was unable as I now get a recording that they will not accept calls from my number. This is harassment! They keep calling my home with no purpose. Leaving messages to call them immediately while blocking calls from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the year of 2014 from XXXX thru XXXX. I was making monthly payments to Green Tree Servicing LLC for my home mortgage. In XXXX 2014 I received notice that Green Tree was foreclosing on my home for not making payments. I was able to stop the foreclosure by signing a loan modification. Green Tree did not give me credit for the payments I made from XXXX thru XXXX even after I provided bank statements show them that the monthly payments were made. Since this problem started Green Tree changed names and now go under the name of Ditech Financial LLC. I was told by Green Tree and Ditech that those payments should be retuned, but to this date I have n't received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, I had a second mortgage with XXXX. They lied to me about the mortgage rate, and after couple years the rate skyrocketed. In XXXX, I could no longer pay especially the mortgage rates went down dramatically, but XXXX refused to refinance. When I stopped the payments and was ready to walk away, they decided to settle. The mortgage was {$120000.00} ( I paid around {$120000.00} in P & I in 5 years ), and they asked me for {$10000.00} toe settle. I sent them {$5000.00}, promising the rest in a month. Then XXXX charged off the loan left the USA. Couple years later, I received a letter and calls from Green Tree asking for the money. I did n't even know they bought the loan. I explained to them that as promised, I could send them the $ XXXX, but the wanted the entire {$120000.00}. I had a verbal agreement with XXXX but they would not honor it. Again silence for a year until I received a letter from Ditech asking again for {$120000.00}. Again, I reminded them of the $ XXXX agreement, but they do n't want to listen. They paid pennies for this mortgage and now they want to squeeze me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my account in person at the XXXX, NJ TD bank branch months ago. Then a month later I received a statement in the mail showing I had a negative balance for account # XXXX. I called and spoke with a representative and they assured me they fixed the error and I would not receive anymore such statements. Today I received another statement for this account showing a negative balance of XXXX dollars due to maintenance fees on an account that was supposed to be closed! I do n't know what else to do!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: Diaz & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Diaz and Associates, Inc called to my work and spoke to my imediate supervior saying that they needed to get in touch with me that I was being sued. I have n't recieved any calls from them to my personal phone so I do n't think its correct for them to be harrasing me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After several mishaps by TD bank and it 's retail subsidiaries including sending statements to the wrong address and charging fees on no fee accounts, my husband and I chose to close our accounts. So, on XXXX/XXXX/2016, we then went to the local TD branch ( XXXX and XXXX, XXXX, PA ) in person. Our expressed purpose that day was to close our joint checking and moneyline accounts. This was clearly, and explicitly, communicated to the representative we spoke to. As part of this process, we had a balance on the monelyline account which we paid via check from our new account a copy of which we have to prove the date of our visit. Despite having done so 8 days later I went online to make sure the account was closed to find that it was still open and that a transaction had occurred again resulting in fees since the account had a XXXX balance. The mishap with the retail account resulted in a negative inpact on my credit score which prior had been spotless for 15 years

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: Receivables Performance Management, LLC
State: NY
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:
I found a XXXX account reported by RCVL PER MNG collection agency ( XXXX ) on my credit report. I sent two verification letters XX/XX/XXXX and XXXX and I have n't received response yet. 
I would like to have a verification letter about this debt. I want to resolve this account. 
XXXX Balance : {$3700.00}

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 2016-05-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
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 noticed a purported debt on my XXXX credit bureau reported by the US Dept of Ed. The item the report indicated an opening date of XX/XX/XXXX, XXXX years after I took any college courses. I contacted the phone number in the report, and received a bill from ECSI which alleged that I owed them money from XXXX Perkins loans. The bill sent to me by ECSI ( the first one I ever received from them ) indicated a " last payment '' date of XXXX/XXXX/XXXX. I have n't made any payments on any student loans since XX/XX/XXXX, when I paid off all my student loans to another creditor ( and have never made a payment to ECSI ). I disputed the item with XXXX and in writing to ECSI. ECSI responded with promissory notes that totaled less ( {$1500.00} in the promissory notes vs. {$2500.00} in the bill the sent me ) than the amount of the purported debt and were from XXXX years prior to date ( XX/XX/XXXX ) indicated in the XXXX report. The same XXXX report shows the student loans opened by me when I was in college were paid in full with no missed payments to another creditor. I believe ECSI is erroneously attempting to collect a debt I 've already paid to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was called by a lady whom insisted that received services for XXXX and XXXX, for which I explained that i have NOT received any such services and she became adamant and rude to me threatening to send this account to collections. I asked for company information that is saying I rec 'd these services and she just rudely insisted that I should know all of that since i was the XXXX to rec. the services. She would not give me any information, she would not transfer me to a manager when I asked for one and she rudely hung up one me.! LRS XXXX is a hoax collection agency with 'out of the streets ' rude people working there trying to scare people into giving them money!! Then another lady spoke to me and again refused to give me info about these services supposedly I rec 'd, refused to pass call to a supervisor and also threatened me with collection and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continue to call after I 've made a payment on XXXX XXXX and made payment arrangements. Asked them to not call me on Sunday and they call 7 days and week multiple times a day. Then when I call to speak with a Manager they hang up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation