BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-19
Company: Ditech Financial LLC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company agrees it violated a court order regarding the removal of a " phantom corporate advance account '' and sent the following correspondence. Mtg company has now refused me access to my account ( will not give me any information ) and has failed to remove the erroneous corporate advance from the account. The requisite time has passed and they still have not fixed the account even though they admitted wrongdoing. Please compel them to make this fix. AS OF XXXX XXXX, XXXX THIS MATTER IS STILL NOT RESOLVED!!! 
Here is their correspondence : Ditech said : Explanation of closure Ditech Financial LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX T XXXX F XXXX ditech.com XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Re : Consumer Financial Protection Bureau ( " CFPB '' ) Case No : XXXX Ditech Financial LLC f/k/a Green Tree Servicing LLC Account No : XXXX Dear XXXX XXXX : We are in receipt of your complaint filed with the CFPB regarding the servicing of your loan by Ditech Financial LLC ( " Ditech '' ). Ditech takes your complaint seriously and appreciates this opportunity to respond. 

Ditech 's records reflect that prior to XXXX XXXX your account was not escrowed. Your loan was approved for a Streamline Modification which required that an escrow account be placed on the account. Please see the enclosed Modification Approval Letter dated XXXX XXXX, XXXX. This modification was cancelled almost immediately pursuant to your request to have it cancelled. Please see the enclosed Modification Denial Letter dated XXXX XXXX, XXXX. At this point, Ditech should have cancelled the escrow as well. Due to an inadvertent error, the insurance escrow was not removed from the account until XXXX XXXX. Prior to the cancellation of the forced escrow, Ditech disbursed for taxes and insurance in XXXX and XXXX. 

This matter was addressed in a Motion to Compel filed in your XXXX XXXX bankruptcy on XXXX XXXX, XXXX. Please see the enclosed response to the Motion to Compel, filed by Ditech on XXXX XXXX, XXXX, and the Stipulated Order filed by the court on XXXX XXXX, XXXX. In paragraph XXXX of Ditech 's response, it explains that the escrow amounts had been credited to your account. According to the Stipulated Order, the matter had been resolved. 

Upon further investigation, Ditech has found that while Ditech credited the escrow account, the credit was insufficient to satisfy the full escrow deficiency leaving a balance of {$1800.00}. Ditech has waived the remaining deficiency and sincerely apologizes for any inconvenience that this situation may have created. 
Please allow one to two weeks for this transaction to be completed and your account credited. 
Please contact Ditech at XXXX with additional questions or concerns. 
Sincerely, XXXX XXXX XXXX XXXX cc : CFPB via portal

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I just spoke with your department handling the Greentree LLC disbursements. They said I was never reported by Greentree as having a serviced account with them. They serviced my first and second on my residence. The second from XX/XX/XXXX thru XX/XX/XXXX, the first was sold to them on or about XX/XX/XXXX-XX/XX/XXXX. I filled several complaints with your organization about Greentree, indicating the abuse and theft I went through with them. I do n't understand how there is no record of my servicing through Greentree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Monterey Financial Services LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX is in the business of financing guns from various gun shops, manufacturers and other companies that sell guns. I financed a gun with XXXX and have been making payments now for almost a year and the principal balance has only decreased by approximately {$300.00} and my monthly payment is {$140.00}. I have come to realize that XXXX has taken me for a good ride with their extremely high interest that they charge on these loans. After this loan on the initial amount of approximately {$1400.00} when all said and done I will have paid double the price of this weapon and this is wrong! 

After realizing how this company is ripping off me and thousands of other people who get financing with XXXX  I want to bring this to light to the CFPB and to alert the population on this awful business practice. Thank 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 2017-01-25
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I reached out to Green Tree in hoping to get some answers on a home loan. I was contacted by XXXX XXXX in the XXXX, NJ office. I gave him my social security number, income, address and all necessary information to run my credit. 

He replied back to me with my credit score and that he would get back to me with a financial plan. 

I waited over 5 days to hear back from him, meanwhile the realtor is awaiting this information. I had to send him a follow-up email on the status. 

He stated, " Good luck, you will need it. '' I then got upset because his customer service skills were horrible. I advised him I would never deal with him or Green Tree due to his poor communication skills. 

At XXXX, he then sent me another email stating, " I truly apologize. I did n't like the tone of your email and gave you a nasty reply. It was childish and I was wrong. So I am sorry. I had a rough day, your email set me off, and I made a mistake. 

I thought we did try to help you. If I recall, you said there were items on the report that were n't yours. We sent you a copy of the report so you could see what was on there. We could n't do anything based on the report and your resulting income to debt ratios. So I thought we tried helping you by letting you know what was on there, and apologize if you think we did not. There 's nothing I can do to remove those items. You will have to get in touch with the credit bureaus to see why they were showing up. That seemed to be the main issue and you will have that issue with any lender, as those items will continue showing up on your report. 

Again, I apologize sincerely and hope you have a good night " I am writing you this email so you know what type of employee XXXX is. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hi I just requested a new card number because my wallet was missing and the police dept found my wallet the next day and received my credit card 2-3 days via XXXX and I cant use my credit card at all and it was declined for small amount at a restaurant and now I have to request documents for a phone number verification and my card is blocked and I called Nordstrom and try add my card for XXXX  XXXX   but they took too long and I hang up the call so I can talk to my girlfriend I havent been seeing her for a few months ... I dont like to be on hold for over 5 mins and I got things to do.. and I cant use my card ... the phone number that was on my account for years ... And Nordstrom has wasted my gas money to come to a location and verified my  identity this is XXXX and I have things to do!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Covid and divorce happened. they call 9-10 times a day.

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 2017-02-03
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi There, I 've received 3 letters from a " Credit Protection Association L.P. '' about a Collection Notice. I believe this to be fraudulent because I have never been late on any of my bills, it does not reference for whom they 're collecting this debt and I attempted to call to get more information and the only options via their phone number were to pay the debt. There was no option to dispute, speak to a representative, etc.

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 2015-05-10
Company: Fidelity National Financial, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of Fidelity National Law Group, assignee to XXXX Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Loan should be discharged and prior payments returned to me, due to legal action brought against XXXX for misleading recruiting tactics and job placement information. 

Fedloan Servicing has reviewed this information and facts previously, and ignored the courts order, and continued to collect my loan without any discharge consideration or some type of relief of this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint is with CASH APP. I have had to instances with them with them where deposits were not refunded to my account ; XXXX due because it was sent to a closed account in my name an the latest XXXX on XXXX that has caused this formal complaint. On XX/XX/08 a {$500.00} was sent to my account At XXXX XXXX cash out were made at XXXX Bank for a total of $ XXXX contacted CASH APP to let them know that this was not my transactions and that this was an act of fraud on my account. I notified the police and I gave them the report # XXXX. Cash App told me that I needed to go to XXXX and find out who made the transaction. I asked them were they serious, that was not my job to investigate the theft. They denied to replace the money in my account. I find this inexcusable and THEFT on their part. 

I am not pleased that I am out of {$1000.00} because of this company. and I will close this account after this complaint is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Professional Finance Company, Inc.
State: CO
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:
XXXX bill was sent 5 years after accident. I was not at fault ; other driver 's insurance admitted they were responsible and failed to pay the bill on time. Insurance company agreed to pay all additional fees. They asked the collection agency for an invoice showing all fees. Debt collector supposedly tacked on all " late fees/additional fees '' when the insurance asked for bill detail. AFTER insurance company paid the bill they received from the debt collector, the debt collector continued to call me at work and on my cell telling me that the bill was not completely paid. When I presented the check number and date cashed to them, they told me the legal fees were still outstanding. I asked why they did n't include those on the insurance invoice if the insurance company was WILLING and ABLE to pay the additional fees. The case never went before a judge. The debt was paid a month before the set court date. They called my work on a regular basis asking my HR department about my employment. They would call me and not leave messages as I had stopped answering their calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Coinbase XXXX allowed me to deposit into my account with them the virtual currency USDT. When I went to find the deposit in my account there is no USDT. Though XXXX I discovered NY residents are not allowed to use nor hold USDT. So although they allowed me to transfer to their platform they are not providing me with access to the funds. They're just keeping the funds with no recourse on my end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank was running promotion for checking account and I decided to open it. 

XXXX. I opened a checking account online from Citibank portal on night of XXXX XXXX. I arranged an initial transfer of {$25000.00} from my XXXX XXXX XXXXXXXX checking account. 
XXXX. Next day on XXXX, Citibank sent letter which XXXX received on XXXX saying they are ending banking relationship with me. Upon calling call center, they told me account is locked because they suspect fraud as account was accessed from multiple geographic locations.Letter mentioned Citibank will close account and return any balance in account by cheque to my address on record. 
XXXX. On XXXX, my initial transfer of {$25000.00} to XXXX was completed and amount credited to Citibank. 
XXXX. As I asked for refund of the money, Citibank call center told me to raise a claim with issuing bank i.e. XXXX XXXX XXXXXXXX to get money back. 
XXXX. I raised claim with XXXX XXXX XXXXXXXX for same on XXXX XXXX. XXXX XXXX XXXXXXXX rejected my claim on XXXX saying it was a legitimate transfer approved by me. 
XXXX. On XXXX I visited Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banker told me, account is closed on XXXX and I will receive cheque of my balance in XXXX to XXXX  days. 
XXXX. I waited for XXXX days till XXXX, still not cheque received. 
XXXX. I again called Citibank fraud call number, they are again telling me to raise claim with XXXX XXXXXXXX XXXX to get back my funds. 

This is very distressing as my {$25000.00} are locked for more than XXXX days now and there are no signs of any support from Citibank on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: LTD Financial Services, L.P.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, A phone call was placed to LTD Financial Services in dispute of a debt collection in amount of {$13000.00}. Representative stated that all my information matched and said that the account is with XXXX XXXX or XXXX. I asked Representative how they obtained my current address and they stated, It was on the application when you applied back in XXXX. I did not live at this current address during XXXX so that is false. I asked representative in regards to this account who was I supposed to pay. Representative states You pay us, So how much are you going to pay on the account today. I answered Nothing. I ask Rep for a copy of the recorded phone call and he replies We dont give copies etc. Representative then states well we have to get the information to prove this is your account, we shave to establish that this is actually your account. Representative said this was for an auto XXXX in which, I do not have. Call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Lazega & Johanson LLC
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Being sued as a cosigner for my sons loan to attend XXXX XXXX XXXX University in 1995 by a Debt Collector ( Law firm ) which specializes in obtaining loans written off by a private lender and still attempts to collect on said loan for their own individual profit purposes in addition to attempting to also collect an excessive amount of interest. This law firm is operating as a debt collection agency not specifically hired by the original lender but instead employs " fishing tactics '' on credit bureau reports in an attempt to gain individual profit. I was not sued by the original lender XXXX XXXX XXXX who had this loan guaranteed by the Federal Agency responsible nor by any Federal entity but instead by this particular debt collection company. I an unable to afford an attorney to represent my interests nor am I able to obtain the necessary documents to fairly contest the numerous an excessive amount of legal motions being directed against me in an attempt to intimidate me into paying as a cosigner for my sons student loan. I strongly feel that as a XXXX XXXX I am at a distinct legal disadvantage in this matter. I also believe that this debt collection agency has unfairly obtained the rights to purse me for repayment for the loan in question. Please provide me with assistance in any way or form legally permissible. When I attempted to make arrangements to repay this loan I was informed that the interest alone would be XXXX the amount of the original loan repayment and that even XXXX per month would not reduce the amount of principle involved. I am concerned the debt collection agency Law Firm involved will attempt to get a summary judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXX 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 explanation
Consumer complaint received 2020-03-06
Company: First Associates Loan Servicing LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  has been reporting the Peaks private loan on my credit report for a number of years. I filed a dispute claim in XX/XX/XXXX and was never made aware of the results. At which time I reached out to Peaks by phone and by email trying to get the loan off my credit because of the scandal they were involved in with XXXX XXXX XXXX. I never received an email or call back concerning this matter. Their reporting almost did not allow me to purchase a home for my family. Now I am being relocated for my job and I have to deal with this again. XXXX  keeps reporting the Peaks loan. I disputed the loan in XX/XX/XXXX and they reported the findings as accurate and that was all that was said. I tried to contact Peaks again with no response to inquiry about my account. The Peaks website even states about forgiving the XXXX XXXX loans and I have filled out the forms for that twice and have yet to get any response. Both in XXXX and again in XXXX. Their reporting is doing irreparable damage to my credit report and not allowing me to obtain funding for housing, so that I can move to my new job location in another state. Every time I pull my credit report this loan does not show up on the report. However, every time a creditor pulls my report it shows up every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX accounts have been discharged under a chapter XXXX bankrutpcy. The following accounts need to be removed from my credit report 1. XXXX XXXX 2. XXXX XXXX 3. XXXX

Company response to consumer: Closed with explanation