BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-22
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been requesting information specific to my PMI canceling for a significant amount of time. The last request I placed was via email on XXXX/XXXX/2016 asking for a review of my account to determine if my PMI can drop off without ordering an appraisal. I have yet to receive a response other than the PMI dept is still reviewing my account. I received this 'status update ' via a letter on XXXX/XXXX/2016 as well as verbally when I called on XXXX/XXXX/2016 and XXXX/XXXX/2016. When I called on XXXX/XXXX/2016, I spoke with XXXX who advised my PMI had not dropped off yet even though my LTV was around 75 % because I had been paying bi-weekly and my principle had decreased faster than the amortization schedule had detailed. XXXX placed another request in with the PMI dept for their review and promised to call me with their status. I called on XXXX/XXXX/2016 and spoke with XXXX, she advised the termination of my PMI does not consider my account balance but instead goes by my predetermined auto termination date as determined by my amortization schedule created at closing. When I asked her what that date was, she told me that was still under review from my XXXX/XXXX/2016 request. 
I can not seem to get a response on this, and I am paying unnecessary PMI rates on an LTV that is lower that was is required by investors and my closing paperwork. My intention is to refinance with a HARP loan once my PMI has dropped as I am currently paying 6.5 % in interest. This delay is costing me money. 

Additionally, when I called on XXXX/XXXX/2016 I found out my account showed I was late in my payment. DiTech takes bi-weekly payments directly from my checking account, but apparently due to a system upgrade my payment was applied to principle. I received no notification of this late status, and there was no review of payments to determine if the system had incorrectly allocated funds. When speaking with XXXX, she knew the issue right away, which tells me this was a known issue that DiTech took no proactive stance in correcting. XXXX also advised I monitor my account for the next couple of payments to ensure DiTech did n't make the same mistake again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX held a XXXX mortgage on our home, release the lien and sold the debt when the home went into foreclosure by the XXXX mortgage holder. XXXX then sold the debt to Green Tree Financial, which I now know are, aka XXXX XXXX XXXX XXXX XXXX, aka DITECH Financial LLC. 
XXXX and Green Tree were both notified of the bankruptcy filing. Since that time I 've starting getting collection letters from Ditech, which is same parent company. I called and gave them the bankruptcy case number and the lawyers phone number, The ' XXXX '' who would n't give his agent # or other ID, was very nasty in telling me that they could contact me all they wanted by mail unless I sent them a letter telling them not to. I re-explained the bankruptcy filing to him, but he was rude again. 
Now the bankruptcy was discharged on Monday XXXX XXXX, and on Friday the XXXX I received another collection letter.. BUT it 's dated XXXX XXXX Odd that, and the envelope has no postmark date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a Notice of Validation to the XXXX XXXX XXXX to validate the information they claim I owned in the amount of {$1100.00}. I requested a copy of my signatures on a HIPPA form, giving XXXX XXXX XXXX ( Frost-Arnett Company ) permission to review/access any of my medical information. XXXX XXXX XXXX responded, XX/XX/XXXX, with a description of procedures used to determine the accuracy of the items they reported to the credit bureau, therefore, they are in direct violation of my HIPPA rights. No copy of any signature giving them permission to access my personal medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am sorry to report that I am again writing you about unauthorized funds taken from my Chase checking account. ( I previously wrote about incidents in late XXXX which you have advised Chase has yet to investigate and respond to - complaint # XXXX XXXX. 

This most recent problem occurred on XX/XX/XXXX, when I noticed three unauthorized debit card withdrawals from my checking account, each for {$200.00}, made from the Chase branch at XXXX XXXX XXXX in XXXX. A total of {$600.00}. I called Chase and they temporarily restored the funds while they investigated. Today, XX/XX/XXXX, they sent a letter to say that the withdrawals were authorized and entailed using my chip card. However, I have never lost my card or had it out of my possession. I live alone with a child and no one can even visit our home during this pandemic. I have a clean banking record and manage my money carefully. And my card was replaced after the XXXX incident. I asked if they were up to speed with sophisticated cyber crime that might enable a thief to replicate a chip card. They say that they are. This has to stop and clearly my money is not safe at Chase. I will keep this account open ( with minimal funds ) for the purposes of an investigation, but I believe I need a new bank, one that can manage accounts safely and has a longstanding customer 's needs and protection in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a hard inquiry from XXXX I believe it 's XXXX I have never applied for XXXX or gave them any info of mine. I called XXXX and they have no records of me having an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ORIGINAL CREDITOR : XXXX XXXX XXXX BALANCE : {$13000.00} According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. This is a time-barred debt. Please remove this account from all three credit bureaus. 

Pursuant to the attached documents, page 4, the highlighted section, the date of commencement to collect this debt was XX/XX/2015. Once again, according to Cal. Civ. Proc. Code 312 et. seq. this account has passed the fouXXXX years Statutes of Limitations to collect such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-04-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is fraudulently reporting over ten 120 day late payments on my credit ( years after account closure and FULL PAYMENT MADE ). I have called XXXX over 20 times, sent them letters and they always ignore my requests and damage my credit and financial life. Please see my attached screenshots of credit reports. XXXX has caused irreparable harm to my well being, state of mind and life in general. 

Im seeking help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage Officer attempted to secure me a cash-out refinance. I have very unique circumstances which I explained to the loan officer. The mortgage on the property was in my deceased mother 's name. The property was titled to myself. I had been making all payments since the property was purchased in XXXX. The loan did not materialize because of late payments made in XXXX. The loan officer was negligent because the payment history was disclosed to him pretty early in the process. He requested I pay for an appraisal at a cost of {$500.00}. He knew that the loan was not possible due to the late payments. I was not sure how this affected the transaction. The mortgage was not in my name, he is the trusted professional, not me. I counted on his expertise in this matter. I have had 3 different appraisals since XXXX of XXXX ( Mortgage 1, Caliber Loans, and XXXX XXXXXXXX XXXX XXXX ). Caliber Loans is the only financial institution to charge me an appraisal fee. I strongly believe Caliber Loans should return my appraisal fee because they ordered it knowing the loan would not proceed due to late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree/Ditech financial group sent me a repossession notice appx. 30 days ago for an insurance amount that was cancelled the date it was paid off. The original amount was XXXX, but the repossession amount on the letter was for appx. XXXX. A payment of XXXX was sent via XXXX on XXXX XXXX, XXXX. Payments were posted as follows : XXXX : {$29.00}, XXXX : {$29.00}, and XXXX : {$120.00}. I received another repossession notice today stating that a payment received of {$29.00} was a partial payment and they were continuing with the reposession ( which should be in the next 48 hours ). The loan was paid off in XXXX of XXXX with a remaining bal. of XXXX. XXXX principal, XXXX interest and XXXX insurance. Original note was 15 yr. simple signed in XXXX XXXX. There were approximately XXXX to XXXX deferred payments. Does n't add up. I have a XXXX XXXX XXXX Grandson to raise and it would be nice to come home to a house sitting on the property tomorrow. Please help. I am uploading several forms at this time for the immediate problem. Copies of all other documents are being copied and printed. I would be happy to send them to you showing loan payments etc. It is a large file and would either need to be sent on a flash drive or printed. Please let me know which will be most convenient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Debt Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was not mine, was removed years ago after the results of a validation/investigation removed it from all credit reports. Debt collector never sent a notice that the debt would be re-inserted into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
hi, i have contacted Experian numerous times since there are several inquiries on my credit report that i did not authorize and they refuse to investigate and remove unauthorized inquiries on my credit report, they keep insisting that these inquiries are staying on my report for 2 years. 
These are the following inquiries that i do not recognize and did not authorize. 
XXXX  XXXX, XXXX  XXXX  XXXX, XXXX Card, XXXX  Card, XXXX  Card, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Credit, US Small Business Admin, XXXX Card, XXXX XXXX, XXXX Card, XXXX XXXX XXXX, XXXX Card, XXXX, XXXX Dept of Justice, XXXX Card, XXXXn Thank you for your help

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 2021-04-02
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mid-South Adjustment has inaccurate contact information on the credit bureaus for both address and telephone as required by law. 

They have their phone number listed as : ( XXXX ) XXXX Their address as : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX That phone number is not in service and they are not at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 have 2 credit cards with capital one & only one of the cards has been reporting on my credit report for almost a year. Both cards are still active and up to date but only one shows up. Ive called capital one several times and they say they are reporting both cards but I explained to them both are not reporting and they keep telling me to write them a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: IN
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Orig Cred : XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Linebarger Goggan Blair & Sampson LLP
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was sent a letter from a law firm in XXXX, stating that I violated a statute in XXXX County, Florida. I live in XXXX, Ohio and have never been in XXXX County, Florida. The law firm is Linebarger, Goggan Blair and Sampson. The letter was sent from a XXXX XXXX, who is not an attorney registered in the State of Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Falsely reporting to XXXX, and XXXX debt opened XXXX XXXX, 2014. This is not accurate. Please provide copy of written agreement that created this alleged original requirement to pay. I demand this debt collector stop all debt collection and stop falsely reporting to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. My loan was recently transferred by XXXX to ShellPoint. ShellPoint for some reason put the loan in the " Bankruptcy '' category. And because of that all my previous payments went " somewhere '' and did not reflect on my current account activities. As the result, my account today showed " 3 payments past due. '' I also received a letter " Intent to Accelerate. '' They locked me out of my account, then somehow it was turned back on last month, and now I 'm barred from making payment. 

I left a message and faxed them previously, most recently last month, yet no one tried to call or contact me back regarding the matter. I 've started receiving pre-foreclosure letter. 

ShellPoint customer service is not helping me, they do n't disclose information as of why or how or how to deal w/ the matter. They would tell me they ca n't and only BK department can, yet NO ONE from BK has ever tried to contact me or responded to my requests! 

This also affect my credit rating, and the pain and sufferings I 've endured in the last few months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a pending complaint against this company. They are trying to obtain debt verification documents - as they do not have them. Despite not having them, during the past month they have affirmed XXXX that their tradelines are reporting correctly XXXX after I disputed them XXXX. THIS IS A SEPARATE DISPUTE FROM MY EXISTING DISPUTE. This is an outrage and an egregious abuse of the credit reporting system in the US. I demand the immediate removal of these tradelines until this dispute is resolved. How can they affirm their tradelines to these bureaus when they have admitted that they do not possess the needed documents? They should be sanctioned for this abuse of the credit reporting system. This is why the credit reporting system in this country is plagued with problems, they simply accept as truth everything they are told by third parties!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: FL
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 recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name.I requested that these accounts be removed from my credit report but no success. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC 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 non-monetary relief
Consumer complaint received 2015-08-06
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Borrowed {$600.00} from castle payday loan and they are saying that i have to pay back {$5400.00}. there is no way im going to pay that amount of money back to them, that is highway robbery!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2021 about my credit report and I have not heard anything back. I don't understand how the bureaus can break law and do anything they want. It has been over 40 days and still have no response from them. They have 30 days to respond. This outrageous. Doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Big Picture Loans, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with castle payday for XXXX dollars. At the end of that month if I had paid in full I would have paid XXXX. I have paid XXXX dollars for three consecutive months. And at this time I still owe XXXX dollars. At this time I would like you to look into the legality of their practices.

Company response to consumer: Closed with explanation