BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-09
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage on my home at XXXX XXXX XXXX, XXXX, SC XXXX. The mortgage was originated by XXXX XXXX Bank in XXXX and subsequently assigned to Ditech Financial, LLC. The home was sold on XXXX/XXXX/16, with payment in full received by Ditech on XXXX according to XXXX of their representatives. The payoff received was more than the amount owed, and Ditech was holding almost {$2700.00} in escrow for insurance and taxes at that time. Since the closing occurred more than 30 days ago but I had not received a refund, I called customer service. The representative I spoke to said Ditech was holding my money and will issue a refund " sometime next week. '' I asked the rep whether Ditech was going to pay me interest for holding my money for 30 days plus w/o my consent and he told me they will not. He went on to say they are " required '' to hold any overages for 30 days. I am an attorney who represents banks and other financial institutions. I am not aware of any requirement that overages left in an account following a complete payoff must be held for 30 days ( plus another week for them to " process '' the refund ). I believe Ditech is using the float on my money to make more money for itself w/o compensating me for its use. I understand that Ditech services millions of mortgages in the US alone. If they are doing this every time a loan is paid off, they are making literally millions of dollars every year wrongfully withholding money from borrowers who have no agreement with them allowing them to do so without compensation after they ( or the lenders for which they are servicing the loans ) have been paid in full. Nice job if you can get it. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with XXXX in XX/XX/XXXX they gave my mortgage to a company called greentree servicing. My mortgage was XXXX at the beginning a couple of years ago I lost my job due to closing. So last year I applied for a home modification they sent me some papers stating that they would give me a temporary modification for XXXX year. They drop my payments to XXXX for a year. So this year XX/XX/XXXX that modification was finish. So I got a letter in the mail stating my new payment is XXXX due to the escrow paid my taxes and insurance while I was in this modification for that year. So I looked at the statement they charge me for XXXX years taxes and insurance but I did n't have the modification but for XXXX year. So I question them about this to a lady name XXXX she my representative she told me she did n't know about that I need to asked them. She also stated to me have n't they been paying your taxes and insurance since you been in the home I told her lady I been in my home for 9 to ten years and I always paid my own insurance they never paid it. I told her I can not afford these payment I need a permanent modification. They sent me the papers and when I sent them in they told my they could n't give me a modification because they did n't have the authority because the were just contractors for XXXX mortgage. I ask how can I contact XXXX Mortgage they would not give me the information. Please help me I do not want to loose my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX US DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$4100.00} 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 non-monetary relief
Consumer complaint received 2016-07-08
Company: Focused Recovery Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Recently while conducting a monitor of my credit report I discovered that FOCUSED RECOVERY SOLUTIONS has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

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 2022-08-04
Company: Experian Information Solutions Inc.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021

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 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is about the Consumer Credit Transaction with your financial institution Bank of America, executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' I demand you Cease and Desist from disclosing my " nonpublic personal information '' to all " nonaffiliated third parties '', which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Please be advised that have not given your company consent to share my " nonpublic personal information '' and if there's a nondisclosure clause in your contract/agreement giving you that option to share my " nonpublic personal information ''. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 USC 6802 ( B ) lb " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' 15 USC 6802 ( B ) 1c " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : Bank of America XXXX 

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-21
Company: EQUIFAX, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SunTrust has committed multiple violations of the mortgage servicing rules in regards to an application for a modification made on behalf of my client. Those violations are described in detail in the attached documents. 

XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
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 am frustrated to see Experian stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed items belong to me, and yet they sent me nothing! Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I urge Experian to please remove the accounts from my file : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2016-12-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage was sold without warning by my local bank ( XXXX ), to a national mortgage loan service company, Bayview Loan Servicing LLC in XX/XX/2016. XX/XX/2016 I received notice from the XXXX XXXX 's office indicating that the taxes on my property had not been paid. My mortgage is calculated to include escrow for property taxes and home insurance. After numerous telephone calls, emails and postal mail, I have not gotten a response from Bayview and the taxes remain unpaid. It is the worst customer service I have ever experienced from any company in my lifetime. Each time I call, I get a different person who only gives their first name, and can not sufficiently answer any questions, nor even provide a supervisor 's name to answer any questions or achieve any resolution. I have received no response to my email or postal mail, both of which provided verification documentation of the unpaid taxes and the specific property parcels in question. It is unfair to pay a mortgage that is supposed to include enough to cover the property tax and insurance, only to have taxes go unpaid and accrue late fees. I feel that I must somehow find the money to pay the property taxes until this is resolved and then likely fight a new battle again to get the money back or have it deducted from future mortgage payments. I am current on my mortgage payments and have not been late. XXXX weeks ago I received an escrow analysis statement indicating that I needed to pay {$340.00} in order to account for a shortage. I mailed in a check for that amount on XX/XX/2016 and I have not received any acknowledgement of that payment. I believe this company is customer-unfriendly and unresponsive to questions or concerns. There is no acknowledgement email return, no call back and no response to postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FLXXXX ; XXXX / XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$420.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-01-30
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Sirs : Reference my complaint, No. XXXX : I submitted a timely dispute of Equifax 's response to my complaint. 
I have not received any reply to the dispute of Equifax 's response. 


They lied when they said they contacted me about a " promotional block '' last fall. 
I can forward the weeks-long chain of email inquiries with them. 
More importantly, they failed to answer the question concerning whether they betrayed my trust and sold my personal information to outside, non-credit or bank-related entities. ( I.e. Advertisers! ) I also did not receive a reply from the CFPB. 
Were Equifax 's actions legal? 
They act in a " quasi-governmental '' role and are even referred by numerous US Government agencies and websites. 
Was their disclosure of my PII to commercial entities legal? 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is reporting that my credit account with them is still open. The XXXX XXXX Account was discharged on XXXX XXXX, 2015, and closed. They continue to report incorrectly that the account is open. The account has been discharged, closed and balance zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Check payment made through XXXX XXXX XXXX XXXX XXXX XXXX. Check # XXXX for {$660.00} was mailed on XX/XX/XXXX and cleared from my XXXX XXXX XXXX XXXX account on XX/XX/XXXX, but the payment is not posted to my account. My account still shows a balance. Noticing the issue, I made another minimum payment of {$29.00} to avoid the late fee charges. I also contacted XXXX 's customer support, and the agents from the XXXX could not help me. After requesting to transfer to XXXX based customer support they hang up the phone on me. I took a shot and sent an email to resolve the but no luck.

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 monetary relief