BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was taken to the hospital via ambulance after being involved in a car accident. I was on XXXX VA XXXX from a follow up of a surgery, when I was in a car that was struck by a speeder on the side of the car where I was sitting. The impact XXXX I had at the VA hospital. I was taken directly to the emergency room, my mother was with me and told the doctor I am a veteran, I also had on the wristband from the VA hospital because I was on my way home before being in the accident. I never made it home, obviously. 
So months after the accident I received a call from a collection company about this bill. I told them they must have been mistaken because I was a passenger in the vehicle, and the insurance was supposed to pay the entire amount of the bill, I did not have a car at that time and did not, have auto insurance, nor did I have health insurance because I was not working so I was covered under the veteran medical coverage due to my low income. Normally if a veteran enters a civilian hospital with no insurance the civilian hospital is required to contact the nearest veteran hospital within XXXX hours from time of arrival to either make arrangements to have the veteran transported to the nearest VA facility or to inform the VA that they have XXXX of their patients so they can share the medical records and billing. This was not done when I was a patient at the hospital, in fact the hospital did not even send me a bill after the insurance paid them. It was months later ( at least 6 months ) that I got a call from the collection company. The following is a link from the Dept. of Veterans Affairs website " XXXX 2001, the U.S. Congress provided VA with authorization ( called the Mill Bill ) to pay for emergency care in non-VA facilities for veterans enrolled in the VA health care system. The benefit will pay for emergency care rendered for non-service-connected conditions for enrolled veterans who have no other source of payment for the care. However, VA will only pay to the point of medical stability. There are very strict guidelines concerning these types of claims. Veterans and their non-VA providers should be aware that these claims must be filed with the VA within XXXX days from the last day of the emergent care. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Ditech Financial LLC
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Ditech calls all times of the day and night the representative is rude and disorderly. The supervisor is never available and the person who is representing me is rude and nasty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was often denied a modification or any relief from my Green Tree mortgage ( which started with a XXXX Mortgage that was eventually assumed by Green Tree ) when I had asked due to my job loss. To keep my credit in tact in struggling to remain current with Green Tree, with their offering no relief and conflicting information on instructing me to fall behind in payments for relief ( which I could n't in good conscience do ), I had no choice but to withdraw {$55000.00} plus from my XXXX ( also having to pay early withdrawal and penalties ) to sell my home for a reduced price and to use the XXXX withdrawal to pay Green Tree the difference between the sale and balance owed ( house was underwater ). There appears to have been several class action suits, but I am never on a list as a member of such. After the home was sold, I moved out of state to a state with more reasonable real estate prices with a continued declining situation. It was and still is a struggle with the above-mentioned resources exhausted.

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: Credit Bureau of Lancaster County, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent in documentation that this debt was paid and still have no answer nor will this company properly communicate with me. They hang up on me mid-sentence every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX I was told my new mortgage payment effective XXXX would be {$630.00} based on a loan balance of {$100000.00}. On XXXX I made a payment of {$22000.00} to reduce my loan balance to {$86000.00}. Despite this payment, Greentree claimed that my mortgage payment would still be {$630.00} despite the reduced loan balance. I have spoken to Greentree XXXX times only to be told " they would look into it '' but that I still had to pay {$630.00}. On XXXX XXXX they sent me a letter saying that " my account has been approved '' but that I have to continue making the {$630.00} payment until I hear from them. I have never missed nor made a late payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX To Whom it May Concern : XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The property taxes from my escrow account were not paid to XXXX XXXX, NC, for the year 2015. I have called Ditech twice for a resolution and they still have not resolved the issue even after 2 months from the first phone call. My name and address have been posted in the local newspaper stating that I have not paid my taxes, resulting in a defamation of character, even though Ditech is at fault for failing to pay the property taxes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling me at my place of employment after I told them they can not contact me there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Purposeful misrepresentations, Abusive tactics, Obstructing Hamp modification. 
Applied for XXXX refinance due to lost income. 
1.Green tree representatives, kept pressuring for payments during loan modification approval period, by using abusive language. 
2.Would not give status of modification without payment of past due balance. 
3. Misrepresented that we had to have our payments current for the Hamp review committee to approve our modification4.Would not give name of supervisor when I confronted representative about abusive behavior. 
5. Called XXXX times per day during the Hamp trial period. To tell us that our loan was in default and we needed to pay the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Ditech Financial LLC
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt continues to be reported to the credit reporting agencies as an open collection however I received a " Cancellation of Debt XXXX '' to report on my taxes. If the debt has been ( cancelled or forgiven ) as it reads on the XXXX, how can they still pursue collection?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: ARVEST BANK GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX we purchased our home at XXXX XXXX XXXX, XXXX, Pa XXXX through XXXX XXXX. Our loan and mortgage payment of {$1500.00} was based on our salaries and income. We were in our new home for a year when Central Mortgage company who we are with sent us a check for {$280000.00} and a note stating that our current amount was wrong and that our taxes have been reacessed and the new amount will be {$1200.00} I called them XXXX different times to make sure it was correct. So now for the next XXXX months we have been paying the new amount of {$1200.00}. I just received an escrow letter stating we are in the rears and that our escrow account is short {$5500.00} and needs to be payed before XX/XX/XXXX. What happened so we called the tax department in XXXX XXXX and spoke with XXXX XXXX and asked '' surely our taxes have n't XXXX, she stated that they went up but only {$75.00}. Central Mortgage Company is supposed to pay Insurance and taxes so now my mortgage has gone from XXXX to XXXX over XXXX more a month which we were never approved for in the first place and we ca not afford even now. How can they burden us like this? Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
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 from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was in the XXXX in the month of XXXX XXXX first time since XXXX while in the XXXX XXXX, my mortgage was scheduled to come out of my bank account electronically, XXXX store did an EFT from a check i wrote AND deposited the check, and XXXX send my mortgage payment back to CHase FOR NSF. As soon as I found out I called Chase in the SAME month XXXX XXXX and explained I had documentation from XXXX and XXXX XXXX XXXX. The rep from Chase told me to just make XXXX payments in XXXX! I called on XXXX XXXX to make XXXX payments and CHase withdrew the funds AGAIN on the XXXX without any explanation, then reported my mortgage over 30 days late for XXXX! I monitor my XXXX score and it dropped it over XXXX points when I had NEVER been late on a payment of any kind in my life! I was going to sell my home in XXXX and closed on XXXX prior to selling I was told by Chase also that XXXX had to rent for at least a year before ANY lender would back me because of the 30 day late/CHase and faulty info given to me. CHeck my credit I have never been late on ANY payments EVER, had been a suscriber to XXXX for years, and had worked hard to maintain my above average credit. ( XXXX prior to my home purchase for my ill parents ) Thanks to CHase bank, I was naive, believed them and ended up renting from a SLUMLORD! I WANT MY GOOD CREDIT BACK! I have always been single and always financially independent and just XXXX person with ill advise from Chase literally ruined my life, at least the remainder of it. In addition, XXXX XXXX XXXX covered the additional mortgage payment Chase took out the next month in error, with my credit card..then proceeded to do a review of my credit, dropped my credit limit by {$5000.00} and which then reduced my score even more, ( made it look like i was OVER my credit limit! Trying to feel blessed ... and know I am .Happy holidays, moving AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Tate and Kirlin Assoc
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
We have XXXX issues here, XXXX they CONTINUED mail me letters after receiving XXXX WRITTEN requests via email ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). Also, though not legally standing -- I VERBALLY requested twice to cease communications. The XXXX issue involves who the mailings come to as they are addressed to my former name of XXXX XXXX. I asked agency to send them to new name, old name XXXX new name, or new name XXXX old name as I REFUSE to open mail for someone who LEGALLY does NOT exist anymore. NOTE THAT I HAVE SENT THE LETTERS BACK VIA RETURN TO SENDER. I totally grasp that regardless of my legal name then and now that IF these debts are valid, I am legally responsible for them. They may argue that my requests were invalid because they did n't respond to emails and emails possibly went to wrong party. However, any REPUTABLE company would forward collections related emails to the right department. By the way, any REPUTABLE person would understand that it 's a federal crime to open mail that 's NOT legally addressed to you ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Google Compare Credit Cards Inc.
State: CT
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
A funds transfer in the amount of XXXX was requested on XXXX, made by mistake, canceled seconds after request. The transaction was canceled out on XXXX end, however, funds were still attempted withdrawal. A stop payment was made to avoid an overdraft, a fee in the amount of XXXX is charged for this. I need this fee reimbursed ASAP. The email associated with my XXXX account is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Paypal Holdings, Inc
State: MN
Product: Credit card
Issue: Other

Complaint:
i paid a merchant the sum of XXXX dollars on XX/XX/2015.after receiving no services i called pay pal to help me resolve this problem.to my surprise i was told they could not help me, because of the time frame.they gave me a ticket number XXXX but told me in less than 48 hours i was out of luck.what could pay pal possibly have done to investigate my problem for services not rendered.i was totally misled on looking into it by pay pal.why do i have to pay for something i never received.i feel as though pay pal did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On   XXXX     I made a purches for the amount of {$100.00} to  XXXX . My online account balance reflected that same amount being charged and withdrawn from my account that day as well as the balance after the charge. On   XXXX   my account balance shows {$140.00}, I was charged {$100.00} again by the bank on  X/XX/17    for the purches I made on   XXXX   with no reflection on my account statement of the transaction being made on that   XXXX    . I have the reciept from  XXXX  that shows the transaction did go through on  X/XX/17    but the bank has no record of it being made or has lost the record of the purches on that date. I called the bank and they said there was no purches made on the reciept date and, my account is now overdrawn because of this error.

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 2015-10-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX, I transferred {$290.00} to my aunt in XXXX, NV to reimburse for home improvement expenses for my mother 's home which she is in the process of selling. My aunt added her bank information and submitted a transfer request, which should have been completed by XXXX. The funds never showed up in her account so she called me. I immediately submitted a customer service request and waited several days. When I did n't receive a response, I used another service for the transaction ( which completed without a hitch, by the way ) and requested a refund. After multiple customer service requests, I attempted to call, but there appear to be NO phone numbers available for this company. I also tried to call the parent company, PayPal, but their XXXX XXXX corporate headquarters only provide EBAY voice prompts in their phone system. It has been simply impossible to get through to a live person or get any kind of response from this company. I am a senior citizen and need my {$300.00} back! HELP!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job and went into default on my mortgage in XXXX XXXX. I was forced to file bankruptcy in XXXX XXXX to protect myself from Flagstar bank. 

On XXXX XXXX, XXXX, I received a debt collection letter from " XXXX '' related to the Flagstar mortgage demanding {$110000.00} from me. I called their customer service number and big surprise, got Flagstar bank. I spoke to XXXX, ID # XXXX, and told her my debt was supposed to be discharged with the bankruptcy in XXXX XXXX. She placed me on hold for 10 minutes, came back & informed me that " the letter from XXXX was correct and the debt collection would continue. '' She could not tell me why it was correct or why they were continuing with their illegal harassment & illegal debt collection practice.

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 2016-08-13
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made multiple attempts to pay this bill online using a number of varying combinations of the client account and zip code information that was provided to me on the notice I received dated XXXX and am getting a error message stating that the CUB and/or zip code is invalid. 

Pursuant to the grossly inaccurate account and customer information provided to me by this organization for use in employing the advertised on-line payment options on the notice dated XXXX, it would appears as though this organization is actively and knowingly employing deceptive and misleading business practices that are not in compliance with the XXXX Fair Debt Collection Practices Act. 

Furthermore, during a conversation with an agent on XXXX/XXXX/16 when I stated that I was intending to pay online, I was solicited to provide credit card information over the phone to the agent rather than pay online and was told that sending a payment by check would not satisfy the amount due as interest was collected each day. 

In order for customers to fulfill their obligation in a timely manner and prevent any further interest or derogatory actions, organizations must provide customers with the correct identifiable information by which to employ the advertised payment options methods. 

When I sent an email to the advertised address on this organizations website as a formal request for the organization to provide me with such information for use in paying the account balance online and without any further delay, it was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: UNITED AUTO ACCEPTANCE
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I called my auto finance company and they refused to give me any of my own information. I asked for a proof of loan from them so I can get my bill taken care of and they refused. They are basically holding my information for ransom until I pay my bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: OLD NATIONAL BANCORP
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I would like to file an additional complaint against Old National Bank. Upon reading the response to their complaint more thoroughly after disputing the original response, I read that Old National Bank claims that I went into the banking center which housed my bank account exhibiting disruptive and belligerent behavior. This could not be further from the truth, as the banking center which housed my checking account is located in XXXX, which I have not been in for over a year, as lately the job I have has me working in XXXX and the XXXX. I can barely find the time to drive down to XXXX to service my customers down there. This statement is slanderous and libelous. I expect Old National Bank retracts that statement. I did raise my voice on the phone with collections, but I only went into a banking center of Old National in XXXX to make a deposit. I expect Old National to be truthful in their response. Lying and slandering people is not " banking with integrity '' which Old National claims to do. Furthermore, I would like the XXXX be contacted and the removal of their accreditation of Old National Bank to be looked into.

Company response to consumer: Closed with explanation