BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Based on the PennyMac response received on XXXX for case number XXXX, it looks like the bank sent my property tax payment to XXXX XXXX County instead of XXXX XXXX County. They need to confirm that the payment was sent to the correct county. Please investigate and let me know for sure when XXXX XXXX County received the payment. Again, I am not responsible for any late fees. PeenyMac should be responsible of the late fees if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: BlueChip Financial
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My Govt. check usually is deposited in my bank on the XXXX of each month. I was sent an e-mail stating that my check would not reach my bank until XXXX XXXX, I sent Spotloan a request to defer their debit payment from the XX/XX/XXXX to the XX/XX/XXXX ( XXXX days ) They responded that they would not be taking out my next payment and by deferring my payment would add {$590.00} in interest to 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 2016-12-20
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I lived there for 3 yrs and we like the apt but the change owner and we had XXXX there made us take it down i then i write them a letter say i am move to XXXX due to i had XXXX and i need my mom to take for me through the time i was go through treatment and while my husband worked. So see what i have to do to take this off my creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Checked my heloc balance to find a XXXX dollar Insurance fee on a loan of XXXX. This home has always and currently has updated insurance policies. One homeowner policy and an H06 policy. After reaching out to the bank, I was informed that yes that is a mistake on their part, however they must now investigate and will get back to me soon. Meanwhile my heloc balance is now XXXX more and I am currently being charged interest on this new balance. In addition my credit is being impacted as it appears as if I borrowed an additional XXXX.

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 2015-04-27
Company: DriveTime
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had an account with DriveTime for over year now since XXXX XXXX, 2014. Since this time I have made monthly on-time payments via direct debit from my checking account. These on-time payments are not being reported to any of the credit bureaus. I 've contacted DriveTime about this issue and they told me they were having a dispute with the credit bureaus and once this was resolved my account would be reported. They also sent me a letter stating it would be corrected. As of today 's date this is still a problem and is causing an issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National XXXX keeps calling and leaving messages. I spoke with their President at one time months ago and he promised to remove my number, but they called again several times lately. 
This is the XXXX time I have had to write you a letter. This is a copy of the letter I sent today. 

You keep calling my office number and leaving a message for a ( sounds like ) XXXX XXXX ... YOU MIST TAKE MY NUMBER OFF YOUR LIST. Months ago, I had to go all the way to the head person. He promised to take my name and number off the list. If I have to do this again, I will file a complaint and make sure I gather all my emails and call info. The harassing messages are coming from a XXXX call center -- - number XXXX XXXX. 

Besides, I understand it is not legal to leave a message about a debt anyway! 
DO NOT CALL my numbers again!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was {$48.00} behind on our mortgage because our town raised taxes and our escrow account fell behind. GREEN TREE SERVICING called my XXXX year old mother who lives in a different city and has no connection to the loan and told her we were behind on our mortgage. She said she did n't sleep for two days worrying that we were in financial trouble. Since I could never think a real company could do something like that I told her someone was trying to scam her and then she worried about that too. Major violation of privacy and unfathomable business practices to just call relatives and talk about someone 's finances. They already got in big trouble for this in Vermont, but they are still doing it. ( This happened in XXXX 2015 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: Solomon and Solomon, P.C.
State: CT
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:
Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attemptsXXXX, and Solomon & Solomon continue to verify this debt without proper validation. Solomon & Solomon has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account is in dispute, they continue to reflect non payment monthly on my repute. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Receivable Management Group, Inc. (GA)
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a statement from XXXX dated XXXX/XXXX/2016 on an amount due for {$57.00} and payment made on XXXX/XXXX/2016 ( check # XXXX ) for the amount due of {$57.00}. On XXXX/XXXX/2016 received a collection notice from a company called Receivable Management Group , Inc. This company claimed that they received money from our insurance company ( XXXX ) and that we owed a debt of {$62.00} on this bill from XXXX. I owe {$0.00} to Access Radiology so I do not understand where this collection agency obtained this information. Also, if I check and this has been reported on my credit report, I will file legal action against this debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
MY mortgage company started out with XXXX, then XXXX, Green tree, DITECH, Now DITECH FINANCIAL LLC. in XXXX transferred to GreenTree a debt collector as XXXX failed, then transferred to ditech. I started to questions the validation of debt and green tree or Ditech has yet to validate the debt. My understanding my deceased husbands estate XXXX out the balance of the mortgage when he passed away and information was provided to green tree and ditech. Public Policy and Alabama Law as a widow and heirs we have rights. The are continuing to report on my credit report now stating I had a mortgage with them XXXX/XXXX/XXXX this is a complete lie. I never had a mortgage with GreenTree or Ditech or signed a contract with them XXXX/XXXX/XXXX. to make it clear I signed a note with XXXX and I have documents of this. XXXX has released the lien and satisfaction of mortgage. Ditech has changed to Ditech LLc a debt collector and continues to report on my credit report and will not XXXX out the balance. I do ask them to credit my account. I have asked many time to see both sides of the books and a complete audit and they refuse. I hate to have to sue I will receive a large sum for all the fraud this company has done. Nor did I ever authorize this company to have my personal information. I have my common law copyright and trade mark on file in the county I live and sent a copy to Green tree. They have ignored 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 2016-02-23
Company: Valentine and Kebartas, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
spoke with XXXX XXXX at Valentine Law Offices. He has violated the FDCPA and stated that I can not consolidate my loans because he is going to submit me for garnishment which is falsifying information and a scare tactic to get me to pay him and do the rehabilitation program. He also did not state the mini Miranda on our phone call with a third party on the line. He is also way too aggressive to be handling my student loans and this agency does not deserve to service my loans. He needs to be reprimanded and sent back to training and I would like proof.

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 2016-05-17
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a XXXX loan with XXXX now known as BIG PICTURE loans i was not made aware of the extremely high interest rate of at 846 percent until after I signed the contract and received the money.i applied for this loan in XX/XX/XXXX and I have been paying XXXX dollars every two weeks toward what they call a finance fee but my loan amount is still XXXX due to them adding a XXXX dollar fee to my loan I was told by the rep that I needed to pay more money toward the finance fee so it would go toward my loan balance this has caused me hardship and I have been upset that I got tricked by these sharks I even went as far as changing my bank information so they could not get anymore of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

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 2016-01-04
Company: American Credit Acceptance, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
American Credit Acceptance repossessed vehicle XXXX/XXXX/XXXX ; loan was current. Video recording of automated system. Demanded repo fees and late fees w/o 10 day discretionary notice ( informed them they were not entitled ). Made fraudulent entries in account payment history to reverse repo fees ( demanded monies be returned to me ). Recovery agent demanded add'l {$370.00} to release vehicle. XXXX XXXX XXXX XXXX XXXX packed purchase price of loan & added {$1500.00} cash down payment to purchase price of vehicle. Credit report indicates " pays as agreed '' ; another agency has a 60 day delinquent entry ( 2 months prior entry states payment on time ) next month reported 30 days delinquent. Simple Interest Loan ; several payments of {$280.00} applied {$20.00} to principal or {$0.00} to principal. As of XXXX XXXX total payments $ XXXX/Interest posted $ XXXX/Principal posted {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX originated my mortgage and then sold it to Ditech ( loan # : XXXX ) Ditech is refusing to honor my request to start the process to remove PMI. During the transition, there were late fees charged to our note -- directly due to the transition from XXXX loan servicer to another. Funds have been held in suspense since the transition that more than covered the late fee -- yet, Ditech will not honor repeated requests to net the funds in suspence with the late fee.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX took over servicing my home loan on XX/XX/XXXX from XXXX XXXX ... Letter was sent XX/XX/XXXX stating to now pay XXXX per bankruptcy court starting in XX/XX/XXXX ... In XX/XX/XXXX XXXX became Green Tree ... I was now paying Green Tree till it became DiTech in XX/XX/XXXX ... My loan was a predatory loan from XXXX ... I alerted the Banking Lending Comission of Texas in XXXX in XX/XX/XXXX ... I became part of XXXX 's bankruptcy filings due to the fact of only {$50.00} going to the principal of my mortgage ... I found this out upon the death of my husband XX/XX/XXXX ... I have tried to get out of a 7.9 % loan interest ... but to no success ... I have applied to Green Tree and Ditech for a loan reduction mortgage rate ... still no success ... 
The road block is {$20000.00} taxes owed on my property due to a long story ... I have tried to have them put it on the back end of my loan and they pay the taxes but they say it can not be done ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent a letter on XX/XX/2022 to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint numbers : XXXX ; XXXX ; and XXXX am including them again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}.

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 non-monetary relief
Consumer complaint received 2016-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Fast forward 5 years and the same problems exist with my loan modification program today. When I started the process for a loan modification with Bank of America in XX/XX/XXXX and finally approved for trial payments in XXXX, XXXX. I started making my 3 trial payments with the understanding that BOA will report to the CRAS that I was making the trial payments and all the future payments under the modification according to the letter they sent me ( although, from what I understood under HAMP guidelines, if a customer is current during a loan modification period, the lender must report them as current to the CRAs ). Obviously, this has not happen with my home loan account with Bank of America despite being making payments on time every single month as stipulated under the permanent loan modification approved since XXXX, XXXX with first payment sent in XXXX XXXX under the permanent modification ( please see record of payments attached ). On XXXX XXXX, XXXX I was granted a bankruptcy under Chapter XXXX where my vehicle and my home were excluded by my own request wanting to keep my home already going under a very long process for a permanent loan modification delayed by Bank of America. On XXXX XXXX, XXXX on XXXX in XXXX with the XXXX my final hearing with the assistance of my attorney in XXXX under my Oath and Confirmation to the bankruptcy with Judge XXXX XXXX, XXXX District of XXXX the hearing conducted and processed by phone ( see copy of documents ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, IL XXXX ( XXXX ) XXXX On or about XXXX XXXX, I received a structured settlement of approximately {$500000.00} On or about XXXX XXXX, XXXX, I opened XXXX checking and a savings account at First Merit Bank. I opened the account at the First Merit branch location located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Initially I put {$140000.00} and withdrew {$55000.00} leaving a balance of {$90000.00} in Account # XXXX XXXX XXXX. See attached Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
I continued to make various deposits until XXXX XXXX. I believe I put in {$70000.00} additionally over the course of the years. In total, {$160000.00} was stolen from my account and is unaccounted for. 
In XXXX XXXX, XXXX, the teller, indicated that someone had closed my account without my consent. XXXX XXXX, Assistant Manager, asked if he could invest my money. I said no. I witnessed another customer crying because someone had taken {$20000.00} out of his account. XXXX indicated that he would investigate. He told me the investigation would take 3 months. I never heard back from him. But XXXX, surname unknown, a teller, later reported to me that XXXX bought a house in Florida and left the same week that my money went missing. XXXX reported that I was not the only customer whose money went missing. 
Over the years I have been complaining to employees at First Merit Bank. In XXXX XXXX, I complained to a person who said her name was XXXX surname unknown who indicated she was the Vice President of First Merit. She indicated that she would investigate. In XXXX XXXX, I went to First Merit, XXXX XXXX, Senior Client Champion, indicated that no one investigated my concerns over the years. 
I would like my {$160000.00} returned, and these allegations investigated. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call regarding a debt which is not valid. The debt collector stated, and repeated, then confirmed that if I did not pay this debt I do not owe, or provide information from my insurance company, they would file a complaint with Washington State Department of Licensing to have my license suspended.

Company response to consumer: Closed with explanation