BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am very disappointed of Ditech I submitted all my documents since   XXXX   /2017   . For a Deed in Lieu. since my intentions are to return the home to Ditech. I can not afford it, I am doing what is best for me and my health I am  XXXX   XXXX   XXXX  and is getting harder for me to move around do to my  XXXX . Therefore I was hoping to get some respond within 30 days and still nothing. We are almost going to end the month of  XXXX  and I am scare that I am not aware of what is going on. Every time I call Ditech for an update, some  Agent  tell me is under review and some tell me my file is not activated. I am starting to believe that Ditech intentions are just to foreclose my home instead of assisting me with my Deed in  Lieu  request. Please help me get a responds from Ditech it seems that they are purposely prolonging my case. I want know how much long I have to stay in my home, since is hard for my to move around I need to know with a head of time so I can have my family and friends help me move out. However I will not leave until I received my Deed in  Lieu  documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please be advised that I see no other recourse but to file a complaint against XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued XX/XX/XXXX. I was late with payments at least three times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XX/XX/XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, Equifax states a XX/XX/XXXX deletion of the account, XXXX states an XX/XX/XXXX deletion date and XXXX states a XX/XX/XXXX deletion date. In essence, XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval XX/XX/XXXX. I am well within my right on such a request. XX/XX/XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested documentation to see if   XXXX   XXXX   XXXX   XXXX   owns my mortgage.
JP MORGAN CHASE has failed to provide documents with proof of transfer or bill of sale of my mortgage account- from Washington Mutual Bank JP MORGAN CHASE has failed to provide me with full account details and bill from inception of loan JP MORGAN CHASE has failed to provide me with an documents showing how and when they started servicing my loan OR when they became the owner of my MORTGAGE LOAN JP MORGAN CHASE has failed to keep accurate and efficient records. They have created new loan document billing statements account in Bankruptcy   XXXX   accounts and then created new monthly statements that show different. ( I have all original statements ) JP MORGAN CHASE has failed to provide loan accounting, transferring documentation to   XXXX   XXXX  , which also has records showing that JP MORGAN sold them the loan in a BANKRUPTCY STATUS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with Big Picture Loans for {$600.00} to help me cover my rent. When I signed the agreement online I did not know that the interest rate would be an APR :  XXXX . Which is tremendously high. I have been paying at {$320.00} or more a month which has been affecting my other bills causing me to be late or short. As of now I have paid out {$1300.00} on a loan that was for {$600.00}. This is ridiculous and outrageous I have a child in College and one in high school and have been struggling. If this continues on I would have paid more than {$3000.00} on this {$600.00} loan.
Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Stat us 01  XX/XX/2017  {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 02   XXXX     {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 03   XX/XX/2017   {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 04  XX/XX/2017  {$600.00} {$1.00} {$160.00} {$160.00} {$590.00} Regular Current 05  XX/XX/2017  {$590.00} {$3.00} {$160.00} {$160.00} {$590.00} Regular Current 06  XX/XX/2017  {$590.00} {$4.00} {$160.00} {$150.00} {$590.00} Regular Current 07   XXXX    {$590.00} {$5.00} {$160.00} {$150.00} {$580.00} Regular Current 08  XX/XX/2017  {$580.00} {$7.00} {$160.00} {$150.00} {$570.00} Regular Current 09  XX/XX/2017  {$570.00} {$9.00} {$160.00} {$150.00} {$560.00} None 10  XX/XX/2017  {$560.00} {$12.00} {$160.00} {$150.00} {$550.00} None 11   XXXX   {$550.00} {$15.00} {$160.00} {$140.00} {$530.00} None 12   XXXX   {$530.00} {$19.00} {$160.00} {$140.00} {$520.00} None 13   XXXX   {$520.00} {$24.00} {$160.00} {$130.00} {$490.00} None 14   XXXX   {$490.00} {$31.00} {$160.00} {$130.00} {$460.00} None 15  XX/XX/2017  {$460.00} {$39.00} {$160.00} {$120.00} {$420.00} None 16   XXXX   {$420.00} {$50.00} {$160.00} {$110.00} {$370.00} None 17  XX/XX/2017  {$370.00} {$63.00} {$160.00} {$100.00} {$310.00} None 18  XX/XX/2017  {$310.00} {$80.00} {$160.00} {$83.00} {$230.00} None 19  XX/XX/2017  {$230.00} {$100.00} {$160.00} {$61.00} {$120.00} None 20   XXXX   {$120.00} {$120.00} {$160.00} {$34.00} N/A None

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: URS Holding, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The J. C. Christensen & Associates , Inc. collections agency located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending a large number of letters to our address. The letters are addressed to XXXX XXXX XXXX who does NOT live at this address. XXXX XXXX XXXX is a neighbor who live across the street from us and just happens to have the same last name. We do NOT owe any debts to this agency, or any agency for that matter. It is an inconvenience to have to walk over to our neighbor 's house and hand over their letters every time we receive them. Finally, my wife took the measure of returning XXXX of these letters to the XXXX XXXX with a request to stop sending them, but the request has been ignored. I presume the agency thinks we are deadbeats requesting a stop to collections activities when in fact we are NOT the rightful owners of this debt. Failure to cease communication upon written request is a violation of FDCPA. We request this agency cease and desist from sending letters to our address. I also have UDAAP concerns about the letters. The letters do not name the creditor and just say " Time Sensitive Document ''. The most recent letters are yellow envelopes inside of a white envelope with a clear panel on the outside envelope, which seems pretty shady. I never open these letters, since it is a crime to open someone else 's mail, but finally did a XXXX search on the return address to identify the creditor. We sincerely hope the CFPB can bring a stop to these harassing letters and change the business practices of this agency for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Total Card, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Total Card Inc. that represent the client   XXXX   XXXX   XXXX   XXXX   charging me for a debt of   XXXX   that is not mine.
The date of the letter is   XXXX   XXXX  , 2017, but I just received yesterday and it says the original creditor is   XXXX   XXXX   XXXX   /   XXXX   XXXX   XXXX   XXXX   XXXX  .
I never had an account with   XXXX   XXXX   XXXX   or   XXXX   XXXX   so I don`t know why I am being charged.
I called  XXXX  and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.
I also called TOTAL CARD INC. that represent the   XXXX   XXXX   XXXX   XXXX   and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Security National Automotive Acceptance
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I 've been with my financing company for almost 2 years now, and never really missed a payment. For 7-8 consecutive months in   XXXX    my payments were being withdrawn on time by this company without any problems. One month (  XX/XX/XXXX ) the payment decided not to come out and the company took it as a missed payment. I rarely check my account on bill day due to my knowledge of not having any money left. So for the next couple of month the payments continued to come out as if nothing happened. I never received a call or letter in regards to that one month that was missed due to not being taken out, which was also proven on my bank statements that the funds were available. So after a month or two went by and payments being made in those months ( XX/XX/XXXX  and   XXXX   & XX/XX/XXXX  ). I woke up one morning in the month of  XX/XX/XXXX  and my vehicle was gone. After getting in contact with the police department, I was told my vehicle was repossessed. I contacted the Finance company and was not given any cooperation with the situation on the matter. I was told I would have max of a week to pay the towing fee and 3 months worth of car payments totaling to {$1200.00} or my command will be contacted and car would be sold. After being threatened and hassled I received a loan to pay off debt to get car back which took 3-4 days. Then following this problem, for the months of  XXXX ,  XXXX  and XX/XX/XXXX  I was doubled charged a month of car payments of {$450.00}. After contacting the company they did not comply again, giving false payment information stating that I owed that months payment even though I was already charged for it. They then began to threaten to call my Commanding officer again if debt was not paid by a certain date. I was being hassled and repeatedly called every second by this company for months. I had to get a new phone number to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I recently lost our jobs - she is back to work and I am actively seeking employment. We have a mortgage of {$660.00} and can pay the principal and interest. Bank of America, has insisted I pay taxes and insurance as part of my mortgage, which is GREATER than my actual payment. They Built on {$820.00} per month in escrow for overpriced insurance and taxes which we can pay separately. I asked Bank of America to let us pay the mortgage of {$660.00} and they refused and told me to short-sell our property. 
We are being strong-armed by Bank of America to sell our house, which we have lived in for 12 years because they refuse to let us pay the mortgage loan amount. 
We have the money to cover the mortgage without the escrow. The Bank refuses to work with us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX, I sent a certified letter asking for Validation of this supposed debt in my name bearing my signature. On XX/XX/XXXX, they sent a statement saying they " verified '' sending a statement from XX/XX/XXXX with my name on it, not what I asked for. On XX/XX/XXXX, I sent another certified letter asking them to provide proof with a document bearing my signature for this account. On XX/XX/XXXX, I received the same exact letter as the one on XX/XX/XXXX, once again nothing bearing my signature which is proof that this debt is valid. This debt needs to be removed from all XXXX Credit Reporting Agencies, as they have not provided the proof that this debt belongs to me and are in fact breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My wife and I got an auto loan on a brand new   XXXX   XXXX   XXXX  t through Chrysler Capital in XX/XX/XXXX . The amount financed was {$25000.00}. We have been paying for the loan every month since  XX/XX/XXXX  when the first payment was due. The monthly payment is {$550.00} and is due on the  XXXX  of each month.
As of  XX/XX/XXXX  the loan was current however the payoff amount was quoted as {$24000.00}! Of the payments we have made at least 9 of them ( that we know of ) went to interest only! I have been paying on this loan for over 2 years at $  XXXX /month and we only owe {$1000.00} less than when we started.
So on  XX/XX/XXXX  I contacted them to make a large lump sum payment of {$6000.00} to bring down the principal and bring the vehicle closer to its value to attempt to trade it in or refinance the loan. They would not allow me to make a payment online or over the phone by any payment method, for more than {$2000.00}. So I had to pay {$23.00} to have a personal check overnighted to them. They received it and posted it on XX/XX/XXXX  ( before the due date ). I then logged in only to see that of the {$6000.00} on-time payment they applied {$4800.00} to principal, {$1000.00} to interest, and charged me a {$130.00} fee! I immediately called and told them to apply my entire {$6000.00} payment to principal so I could pay this loan down. They said it would take a few days, and they finally posted it to my account on  XX/XX/XXXX .
Today I logged in, and despite paying them {$6000.00}, they are considering my loan past due. As of  XX/XX/XXXX  the payoff amount is {$18000.00}.
I feel we being completely taken advantage of. This was our first loan following a bankruptcy and we are attempting to rebuild out lives. At this point the vehicle is only worth {$8000.00} ( NADA average trade in value ).
At this point I have already been approved by another lender to refinance the loan, however they are not willing to send a payoff of more than {$16000.00} because of the vehicle 's value.
It is not fair that we are being taken advantage of because of a previous bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NH
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:
Left XXXX XXXX to go to XXXX XXXX but made sure had XXXX balance before I transferred - knew there would be early termination fees. Contacted XXXX told them I was switching but when I got the ETF payment from XXXX XXXX would pay them to be in good standing. Switched and received bill from XXXX showing ETFS and outstanding amount - called and was told there was outstanding amount, we argued and I said I was told XXXX balance when I switched. Received ETF payment and contacted XXXX - spoke to billing/payment arrangements and told them I had the XXXX plus in ETF fees to pay but that I was not paying what they showed as outstanding because I was told I had XXXX balance. The person I spoke to said well if you can pay x amount you will have a XXXX balance and be in good standing. We set up weekly payments for XXXX weeks ( ca n't recall without looking at my bank statements ) and was told that this would clear any remaining balance and NOTHING WOULD BE REPORTED IN ANY WAY AS NEGATIVE, because I would be in good standing. I agreed to this and made all the payments required and the week of the last payment received a Debt Collection Letter - contacted XXXX and they kept putting me over to the in house debt collection - and this went on and on for a few days and they verified the payments but said they could n't undue what was submitted and it had to be XXXX to pull the account back. I filed a complaint with the FTC because they lied and reported it and now I have this negative on my credit report which I am trying to build up. Just this morning received another call from a company called Chase Receivables and I informed her that this is a XXXX debt and as such should not be on my credit report or for that matter being attempted to collect. XXXX is responsible for their employees actions and she messed up royally and now my credit has been negative impacted and I want it cleared up. This should be reflected as paid in full and removed from my report. I also feel they should give back the ETF fees of XXXX since that is highly criminal to charge that amount to leave a stupid phone company. I would not have paid the ETFs if I knew they would do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I do not know the actual legal name of the person contacting me, but they are leaving voicemails saying they will serve me at my job or home with court documents and if i am not home will deliver the papers to my supervisor. I do not authorize such actions and i do not agree with this debit. I have no signed contract with this company, and they have failed to provide me with a signed contract i have with them saying i agreed to this debit with their company directly.  Ad Astra  refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction.  73  AmJur  2nd, Section 90.  This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.  Black 's Law Dictionary, 9th Edition, 2009,   defines  " Verify '' as, 1 )  " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. ''  2 )  " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and "  Verification ''  as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st h and knowledge of the alleged accou nt ( s ) an d all that has ever transpired for the alleged accou nt ( s ) , under oath and under the penalty of perjury. As I am sure that you are well aware, curre nt Federal case  law states th at, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on  and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' tha t merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations impose d by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company . Also provide every single debt statement i had through the course of the said account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My wife has a credit card in her name originally from  XXXX  I believe that has a balance of roughly {$7000.00} from back in  XXXX - XXXX . Cavalry Portfolio Services in NY has supposedly purchased the debt from another company and is is trying to collect the amount owed through, what we believe, unethical/illegal means. They have contacted her uncles, parents, etc. to try and reach her. Now we have received a couple unsolicited letters in the mail from attorneys stating they can help resolve this debt that, according to court records ( who know where ) has been filed with Cavalry 's attorneys for lawsuit.

Company response to consumer: Closed with explanation