BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-13
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my FHA loan XX/XX/2016. Immediately after refinancing, my loan was sold to Ditech. XX/XX/2016, I received a tax statement from XXXX County, GA stating I owed property taxes despite having an escrow account with Ditech. I checked my account online and they had the wrong parcel ID # for my property. I contacted Ditech numerous times by phone and was asked to fax the tax bill. I faxed the tax bill on XX/XX/XXXX. I called XX/XX/XXXX to inquire into the status. I was given an update that Ditech had sent a disbursement to the wrong city ( due to incorrect parcel ID ) and that the city of XXXX, GA had sent the check back. This past Friday, I again received another property tax notice from XXXX County stating a lien was going to be placed on my property due to unpaid taxes. Again I called, explained the issue again, they took down the correct parcel ID # again, and I faxed the bill AGAIN. I have also received an unpaid noticed from the city of XXXX and tried to tax that after receiving and the fax would not go through. I 'm attached all faxes, a screenshot showing the incorrect parcel ID #, and all property tax statements.

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 2015-03-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The item in question is for XXXX XXXX XXXX, an old checking acct that went into default in XX/XX/XXXX during a job loss. The acct was paid in full XX/XX/XXXX. I am currently a member in good standing again with them. I noticed on my credit reports that after the acct was paid, the account is listed as a JOINT acct with my daughter, XXXX XXXX. The acct was set up in XX/XX/XXXX, my daughter was XXXX years old at the time, born in XX/XX/XXXX, & could n't possibly have been a true " joint '' owner. While at the branch discussing the acct, I was told that back then that is how they listed POD accts, as joint. So when it went into default, it went on her credit report as well, and has ruined her credit wrongfully. I went to the branch that I do business with, spoke with the mgr, XXXX XXXX, and was advised that he would look into it. No changes were made. I disputed the accts with all XXXX CRA 's, XXXX was the only one what was kind enough originally to address and remove the TL due to the unfortunate situation, XXXX removed after a CFPB dispute. After my EX dispute, the closed account has been " updated '' XX/XX/XXXX and has been closed since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to modify the loan on my grandmothers home which I am the executor of the estate. I have not received any answers regarding the mortgage loan on my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This has been an ongoing problem with Greentree Financial who took over our loan from XXXX XXXX XXXX. It started with a payment they said was not received XX/XX/XXXX. We were besieged with harassing calls, up to 10 a day from them about our late payment and they were asking for our bank information etc. It was different people every time & kept us on the phone and got increasingly aggressive in their manner. We stopped taking any calls through XX/XX/XXXX because of their harassment. We stopped payment on the check presuming it was lost etc, but refused to give these people any info, or go online with our banking information as it seemed very strange behavior. We received a letter saying THEY had received the check on time, however they never refunded us the over charge! Since that time I have been sending all payments with a flat rate envelope costing {$6.00} per month which has tracking on it. This prior month they AGAIN charged us with a late fee saying the check was not received though USPS says it was delivered 5 days ahead of schedule to their PO Box . This is a continual pattern, obviously with these lenders. I have verifying paper trail proving these above allegations. I did notify them with this complaint & all we got was a letter back saying " they were n't responsible for mail delivery. '' All I wanted was your address to send you our documentation, but this was a concerted effort to steal our personal information to do an identity theft since they never said their calls were " recorded '' etc and they acknowledge, in writing they had our payment. No other explanation seems reasonable. But their ongoing attempt to access late payments that were not late shows a blatant attempt at on going extortion. These payments put unwarranted money into their bottom line. It is not enough to pay your debts on time anymore even with proof of delivery, costing more money for the consumer. We never contracted with these lenders-why is it we have to be wasting out time, energy and money having to put up with them continually stealing our resources?? Why our these loans ALLOWED to be sold to these liars, cheats and thief 's? I reiterate ; I have a paper trail proving my allegations and my letter to them and their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Innovate Managed Holdings, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my car payment 10 days past the due date in the month of XXXX 2016. The creditor ( innovate XXXX ) reported a 30 day past due on my credit report. 
I have communicated, but they have not taken any action, to resolve. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Ditech Financial LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After storm damage to the my residence at the insurance company XXXX XXXX, issued checks to restore the property damage. 
Since there is a mortgage on the property thru Ditech Financial LLC South Dakota. XXXX of the checks had XXXX names for endorsement, the homeowner and the mortgage co. 
We sent the check along with all the required paperwork that they asked for and have been waiting for the return check so the work can begin. 
After repeated calls about the status of the issue ... we feel like we are getting a run around ... because each time they come up with some other reason for not returning the money even when we state that more damage is ongoing with the lack of repair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: ECMC GROUP, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dozens of phone calls from the revenue group in XXXX Ohio indicating an attempt to collect a debt. Wo n't disclose what the supposed debt is unless I share personal information which I refuse to do. I have told them I have no outstanding debts and to mail me information regarding the matter as it could be identity theft or something. The callers are rude and contine to call several times a week for the past few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have an account with Synchrony bank/JCP that was CLOSED and DISCHARGED through bankruptcy since XX/XX/2011.. I tried to contact Synchrony bank twice via letter to remove it from my credit report since it was already discharged but they refused to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am seeking the help of this agency and would like to file a complaint against Ditech Financial LLC, mailing address is XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. This institution currently holds a Mortgage loan on my current residence. I have been a client of theirs for over one year, as a result of the mergers of the original company i signed my mortgage contract with. As background, I have never been late or missed a mortgage payment with either the prior mortgage company or with Ditech. I have paid exactly the amount Ditech sent to me every month per their billing statement. XX/XX/XXXX, they are demanding I pay an additional {$3500.00}. When I questioned the reason there was no explanation provided to me. There has been no increase in my real estate taxes as confirmed by my county and no increase in my home owners insurance. Both resources confirmed for me this fact. When notified by Ditech of the increase, I sent them a request asking for an explanation and I have not received a response. I have called them on multiple times, indicating that I will now pay my homeowners and taxes separately and that I will now only pay them principle and interest charges for the loan. As a result I prepaid my real estate taxes through XXXX XXXX, XXXX and sent Ditech a receipt showing the tax is now paid. I have also for the last three months paid my principle and interest payments on time. I have receipts of all transactions. 
My rationale for paying my taxes and homeowners separately at this point is that Ditech has not demonstrated to me the competancy of computing and paying my taxes on my behalf. I do not understand their computation and they refused to respond to my questions. The only response I did receive is " Your mortgage payment is now 60 days past due and your account may be referred too for foreclosure. Ditech financial LLC has tried to contact you previously to make you aware of the foreclosure prevention options that may be available to you. In case you are unable to bring your payments current ''. 
I completely disagree with their statement.

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 2015-04-26
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm with green tree and recently at XXXX. My last payment for the yr. Was due and payed on time how ever green tree also put XXXX XXXX payment on this statement as well but the math did not add up to, XXXX payments in the amount due box on the paper statement the payment for XX/XX/XXXX was on the statement for XX/XX/XXXX but on the far side of the statement were your eyes do n't look when your use to seeing the same thing all the time. i did not catch this until I received my mortgage bill for XXXX. I was hit with late fee 's and was basically made a fool of over the phone when I was told both my payments XX/XX/XXXX and XX/XX/XXXX were due on XXXX bill. And that basicl " it didnt matter if i missed a payment for XX/XX/XXXX. I have to pay them regardless if i recive a statement our not '' .the information I was told I needed to send for a request of all the info I wanted to inquire about, to resolve the issue I never received any info or a denied response with reason. I payed all dept. Due in full plus The Late fees. I 'm still being charged late fees I 've write on the statements and stated that the billing is wrong and all late fees from the incidents have been payed green tree will not fix there mistakes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Lien placed on my residence when debt is not mine. Person who the debt belongs to has same last name and same last XXXX of SSN, however different first name and middle initial than mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with XXXX XXXX. I have asked to see a contract that requires me to do business with them and they ignore me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
An air conditioner company requested we pre-apply for an interest free ( 1yr ) credit card to have an air conditioner installed. We applied and were approved. The air conditioner company incorrectly installed an air conditioner unit which took over three months. Once it passed township codes inspection the company failed to return to fix damage they caused and to fix a leak still on the air conditioner unit. The contractor charged the prepared credit card the full amount stating they tried to contact me to repair the damage they caused which was not true. The credit card company was advised and sided with the contractor refusing to only charge my account the balance minus repair work I paid another contractor to complete the job

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 2015-08-11
Company: Law Offices of Robert A. Schuerger Co., LPA
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On XX/XX/2015 XXXX XXXX of the Robert A Schuerger law offices contacted my employer and revealed sensitive data about student loans debt to them. They told them that they have a program to help me pay the debt and " not to worry and that I did not owe any money ''. I received a call from my employer telling me exactly what she said and My employer told me that they did not represent themselves fully as a debt collector and to report them if they turned out to be. I call XXXX XXXX and she told me there are programs that the government has to vacate the judgment against me and that I would qualify since I worked at a " school ''. I do not work at a school, My company has " tech in the name so she assumed that it was like XXXX XXXX. After trying to convince me to sign up for some of these programs for about 5 minutes and me asking for more information like the case number etc. I asked point blank, Is this a debt collection, and she said " No I am trying to do you a favor '' I then asked if she had contacted my place of work in order to contact me about a debt and she said no and that she gave them no details. I asked her how I was aware of all of the details of why she called there if she had not discussed my debt. After several minutes of asking " did you contact my place of business to collect a debt? '' " and is this an attempt to collect a debt? '' she became very angry and said " This is an atempt to collect a debt and all information gathered will be used for that purpose '' and she also added that I was being recorded. I asked if she is required to inform my of the attempt and the recording at the beginning of the conversation or at the end and she would not stop yelling or let me speak and then hung up on me right after I informed her I would be reporting this incident. They have the call on tape and everything I said can be proven. She did not have permission to contact my employer via phone or to record me and not inform me of her motives in making the call in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX XXXX. would like to make a complain against F C I lender Services Inc.. for not allowing me a loan modification on my mortgage i am asking this company to give me a loan modification, so i hired attorney to get my loan modification, which is money i do not have to give, and i need, to get my loan modification, i need your help your help as soon as possible please, i have a sale date for XX/XX/2016.

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 2017-01-20
Company: Resurgent Capital Services L.P.
State: WA
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:
This collection agency has been harassing me for months. I have asked them on more than XXXX occasion to validate this date. They have sent my letters of validation back to me twice. I have asked the credit agencies to look into this and dispute this information ; however, they have not been successful and they report that XXXX XXXX would send me verification ; however, they have not provided any additional information. XXXX weeks ago, I received a letter from a company called XXXX XXXX saying they brought this account from XXXX. XXXX is not following XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), Debt Validation gives you the right to request written proof from a collection agency, that you owe them a debt ; it also gives you the right to remove any inaccuracies on a debt and the right to request debt elimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Indymac/OneWest Bank foreclosed on my house XXXX XXXX, XXXX, after over a year of filing for a modification that was turned down, yet resurrected after my first complaint to CPB. I rejected the bank 's offer to modify because it did not include any debt forgiveness, and since my late husband had refinanced the house so many times, I felt it would never gain the value of the mortgage amount. 
The mortgage was over {$900000.00} and the bank got a desktop appraisal of {$400000.00} because my late husband built the house without county permits. I was notified by an old neighbor, a broker with XXXX XXXX, that the bank sold the house for {$680000.00}. Yet the bank sent XXXX, and XXXX claiming cancellation of debt in the amount of {$500000.00}. The actual amount of debt cancellation should be {$230000.00} according the sale amount rather than a FMV amount that did not include an actual onsite appraisal of the house and property. The date on the XXXX 's is XXXX/XXXX/XXXX, the house sold on XXXX/XXXX/XXXX so perhaps the sale had not gotten into the accounting department. 
After suffering through a foreclosure, losing my home of 26 years, I find it hard to believe there would be a tax penalty which I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Late fee

Complaint:
BP Credit Cards were issued by XXXX. XXXX has been replaced by Synchrony-offices in XXXX and XXXX, XXXX. With XXXX, we were set up to have our monthly balance automatically subtracted from our checking account. With XXXX, we received our first statement, with a late fee of {$25.00} and a interest fee of {$7.00}, on a balance of {$790.00}. Our account number is XXXX. I contacted Customer Service, XXXX times. First the fees were dropped, then I was told how to register my account, on a site, to have the balance taken out automatically-this does not work! Another call told me that I would receive a XXXX card, between XXXX XXXX and XXXX XXXX. I could then register the new card, with the XXXX digit number. My concerns are : ( 1 ) what if I had not contacted the new bank-I would have paid unnecessarily and my credit rating would drop, ( 2 ) I plan to be XXXX XX/XX/XXXX-if I do not receive the statement in a timely manner, will I again receive a late charge and interest charge? This could also damage my credit rating. ( 3 ) Is this the best way to do business? You receive late charges, with damage to your credit rating, and you do not have the tools to make the corrections. How much money is collected by banks that automatically charge fees which you can not avoid, since you do not have the correct tools to stop the problem?

Company response to consumer: Closed with explanation