BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: NRA Group, LLC
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The NRA LLC ( National Recover Agency ), stating to represent utility provider XXXX repeatedly calls my home attempting to collect a debt that is not mine. I have made numerous attempts to convince them that the debt is not mine and that the last XXXX digits of the social security number they have provided are not mine and the address of the property involved is not owned by me or under my control. They have threatened to take legal action if I do not satisfy the debt, refuse to hear my explanations, have hung on me and continue to harass me after I have asked them to cease calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no idea what this debt of {$820.00} is. It have showed up on all three of the credit bureau as of last monnth ( XX/XX/2016 ). Initially there were XXXX accounts showing from this company. XXXX has been removed and I was advised of it the other was never responded to. This needs to be removed from the credit bureaus immediately. I refuse to pay something that does not belong to me. I am also concerned about them having my Information and I do n't know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Company response to consumer: Closed
Consumer complaint received 2016-04-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
sale date XXXX XXXX notice from pennymac they say XXXX XXXX 2016 talk with XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received on XXXX/XXXX/2015 letter dated XXXX/XXXX/2015 from OCWEN LOAN SERVICING , LLC informing that my Mortgage number XXXX was transfer to another Finance Company XXXX XXXX XXXX, XXXX. 
Information from the new Company XXXX XXXX XXXX, XXXX is incomplete and is not allowed to contact any body from that Company to continue my payments. 
Attached you can see letter received. 
Additional problem is OCWEN LOAN SERVICING , LLC has not clarified information requested before for payment modification that includes additional amount for {$710.00}. 
Could you please help me to : a ) Ash them to clarify where I Can pay my mortgage loan, because was due date XXXX/XXXX/2015 and they did not accepted my payment for XXXX. 
b ) Review all information for the modification that was not clarified for the additional amount for {$710.00}. 
ThanksXXXX XXXX XXXX XXXX, XXXX, Tx. XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
COLLECTOR CALLING ALL FAMILY MEMBERS AT WORK, CELL AND HOME IN VIOLATION OF TCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Shellpoint Partners, LLC
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
case # XXXX Shellpoint Mortgage sent the power of attorney from the wrong company. It should have been XXXX XXXX not XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: RGS Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through XXXX XXXX who was my lender in XXXX/XXXX/2012. After the repossession XXXX did n't follow Texas Repossession Law. I asked NCB Management Services Incorporated to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked NCB Management Services Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? 
When was the vehicle picked up month & year? 
What address was the vehicle picked up at? 
Who was the original lender? 
What address you send any letters to concerning the buy the car back? 
What address you send any letters to concerning the date of the vehicle sale? 
What capacity the car was sold in auction, private, bank sale and Date & Month? 
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? 
How much was the car sold for at the sale? 
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for NCB Management Incorporated to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I ma providing a audio recording of the conversation with NCB Management Services Inc and my Personal Financial coach XXXX XXXX. In which they claim they do n't have to prove anything to the consumer that their collection efforts are valid. That is not true by the FDCPA, Fair Debt Collection Practice Act in which we have the attachments they needed to prove to me that their efforts as a collection company is fair to the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently had a claim of hail damage to my roof with XXXX XXXX. I received a check in my name and my mortgage company. The new roof was put on XXXX XXXX. Ditech, my mortgage company, will not sign off on the check from XXXX XXXX until they receive a copy of the insurance adjusters estimate, and an itemized written estimate of repairs from the contractor and a properly completed XXXX form from the contractor! Then they will send out their own adjuster and check and then they will pay the builders. In the meantime, my roof is completed and inspected and I need to pay the builders out of my own pocket! My insurance company has never heard of this! I really feel like this is not my home!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I financed a mobile home in XX/XX/XXXX with Green Tree. The amount financed was {$30000.00} and as of XX/XX/XXXX I have already paid Green Tree {$68000.00}. The principal balance is {$21000.00}. I have a copy of my Green Tree payment history and on several of my payments {$0.00} went toward principal. This does n't seem right to me. According to Green Tree I still owe another 15 years at which point I will have paid them over {$140000.00}! I was inexperienced in Mortgages when I took the loan and did not realize that I would be paying so much interest. I talked to them about refinancing and Green Tree said they do n't do that. I ca n't sale my mobile home because I owe much more than the value of it. Could someone please look into this and let me know if there is anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In reference to case # XXXX and XXXX Commonwealth Financial Systems, Inc continues to telephone me and send me mail regarding the above case numbers. 

This time, instead of listing XXXX XXXX as the placer of the so-called debt they now list " XXXX XXXX XXXX. " The same information still obtains. XXXX XXXX XXXX XXXX failed to exercise due diligence in billing the VA in a timely manner ( over 8 months ). 

In the above referenced case numbers I was assured the collection efforts would stop pending a decision. That has not happened. They have continued to harasses my wife and send me letters telling me I have 30 days to respond even though I responded back in XXXX. 

Please make this stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Ditech from XXXX XXXX located here in XXXX, Ohio. I have contacted Ditech to inquire how to have my mortgage re-cast, and I consistently receive emails and letters through the mail stating that my inquiry is under review. I believe this option to re-cast falls under the prepayment category of the mortgage under which it is written I am free to prepay at any time. Ditech continues to delay allowing me to re-cast, thereby preventing me from lowering my monthly payments as I desire to do. This has gone on over three months now. Please let me know how I can get better service from this lender. I wish my loan had never been sold to them. I chose a local lender in the first place to prevent this kind of problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Ditech Mortgage on XX/XX/XXXX regarding a CEMA from a refinance not recorded from XXXX. I have followed up numerous times by phone and faxed all the information to Ditech on XX/XX/XXXX, a call on XX/XX/XXXX verified the fax was received. We received a letter dated XX/XX/XXXX advising 30 days was needed to complete the request. After no information being received after that date regarding the recording of the CEMA - I contacted Ditech on XXXX/XXXX/XXXX, with my wife on the phone. We were guaranteed a phone call back, to date it has not been received, regarding the recording of the CEMA. My wife contacted Ditech for a status on XX/XX/XXXX, she was advised there were no additional notes regarding our issue since XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am representing a Borrower whom has filed a Bankruptcy, and did not reaffirm her loan, we have been disputing the value with Green Tree/ XXXX XXXX AS I was told the property was assigned to be winterized and it was not, so with our brutal winter there was additional damage done to the subject property in the amount of {$90000.00}. XXXX refuses to re-evaluate the value as this was already done XXXX. But the damages have prevented us from getting a $ XXXX offer. They are informing me the Borrower needs to file an Insurance Claim, we have tried numerous times to reach out to XXXX Green Tree and XXXX to obtain the correct information, with no results. The Borrower has not paid on Home Insurance in over a year, so we have no idea where to go from here, we have been trying to process this short sale now since XXXX, and are just exhausted with the manner this is being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I completed my XXXX XXXX at XXXX University XXXX and now work for the XXXX. My federal student loans are serviced by ACS. ACS is very difficult to work with - they have terrible customer service, their policies are not transparent, and their call center operators provide incomplete answers when I call. This year I received a student loan repayment benefit from the XXXX where I work. However, just two days after I received notice that the payment had been sent to ACS, I received a final offer for a new job. I called XXXX ( XXXX XXXX XXXX ) to ask if they could stop payment because my agency will not waive the debt and I would have to pay it back to XXXX. XXXX said they had already cut the check and they could not stop payment. I have since called ACS on two different occasions to ask them to refuse payment. They say it is " their policy '' not to. Now I will have to pay back XXXX out of pocket. It is completely absurd that ACS would not refuse the payment. I am the borrower, current on my repayments, and regardless of whether or not the payment is coming from me or a third party, I should control when payments are made to my account. If I ask them to stop a payment, they should. Now, on the third day I have called ACS, the payment hit the account. I 'm sure I have no way of reversing this now. I am extremely concerned about having to pay my monthly student loan payment ( because ACS says I must continue my monthly payments as-is with no break even though they just receive a huge chunk of money from XXXX ) AND now I have an additional payment to XXXX to cover this debt. Plus I have all of my other bills to pay including housing, utilities, and child care. I have never missed a payment and ACS needs to honor my request to stop payment. I 've tried to work directly with ACS but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Midwest Recovery Systems
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midwest recovery has violated all of the issues above. communication I have never heard of them let alone from them at all. they would not verify any debit at all beside from a loan in XXXX, continued to try and collect after a discharged bankruptcy claiming they didnt know, but they knew enough to falsely change the date form XXXX to XXXX to get it on my credit file. 

I have never had any dealings with Midwest recovery syste ever no phone calls, no letters no nothing they have violated the consumer protection act and the collection laws they immediately place an account in collections without notifying me prior to this, they have not retrieved or verified the account they are trying to collect on. I called them at the number listed in a XXXX search at XXXX they told me it was from some loan company that i have never heard of they dropped my credit score by XXXX by placing an account with collections while I 'm in the process of trying to purchase a home, they told me it would take 30 days for removal so now i have to wait 30 days and allow my current creditors to see a negative impact to my credit score. They also told me it was from a loan dated XXXX and they listed with the credit bureau it was from XXXX so they could circumvent my bankruptcy on file that was discharged XXXX XXXX XXXX, so they have lied and purposefully cheated the collection laws to continue to collect on bogus debits

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was sold and no-one ever sent us any information as to who owned our mortgage. We tried to find out who was the owner of our mortgage and we had no avail. We got a letter last year from Harmon law about being behind in our mortgage. WE finally found out the name of the bank which is XXXX XXXX. who had been mailing our mortgage statements to someone else in another state CA. We finally gave them our information and they were suppose to send a home motification package in XXXX we have not received it. Now we are listed in the paper as being forclosed on in 5 days. We have not had a letter from Harmon Law about the foreclosure date. We want a chance to catch up and save the equity in our home. Thank you for your help XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
These are the same collector I disputed previously from XXXX. I used to lived a apartment call " XXXX XXXX '' in XXXX XXXX XXXX from XXXX to XXXX and when my least ended at the same year. I notice the manager for two months ahead that I will not going to renew the least and I 'm planning to move out and she agree to it unless I 'm not going to ask her the deposit money. And when I ask her she said l 'm going to clean towards the apartment. Because, I told her I 'm leaving some of belongings in the apartment and I said you can donate it any charities of your choice and she agree to that too.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My family recently sold our house. The title company wired the exact payoff amount to OCWEN loan servicing LLC on XXXX XXXX. On XXXX XXXX, OCWEN pulled a monthly mortgage payment out of our checking account. When we contacted OCWEN they claimed never to have received the payoff amount even though I had the exact XXXX number with proof the payoff was received by their financial institution. They are now claiming they will look into the payoff and may look into crediting our account within 48-72 hours. Again I have proof they have the payoff funds and that the funds cleared - they are sitting on money and earning interest on that money by wrongfully not crediting us for payments - this should be illegal and something the CFPB should be stopping.

Company response to consumer: Closed
Consumer complaint received 2015-12-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay my Mortgage through Ocwen. My payment is automatically withdrawn from my paycheck every two weeks. I 've called them once before and asked that my payments be applied to principal and they told me I could only apply a full payment to principal and that it would be done automatically once I had paid a full payment ahead. Currently on my statement it shows that my next mortgage payment is n't due until XX/XX/XXXX. Which means they are holding my money and making interest on it until it 's time to apply the funds to my account. I called in today and they guy said he would apply the payment ( approx XXXX XXXX from XX/XX/XXXX to principal, and that it would be done automatically going forward. But that is not good enough as Clearly I 've paid XX/XX/XXXX 's statement in full already, but they are n't applying it to principal. How do I get them to stop stealing money from me. Is there someone that the consumer can petition to get them to properly manage my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I wanted to info that i have been contacted several times by Drive Time with collections efforts without being read my Mini Miranda rights with multiple Vmails with personal information, I shared this concern with managment at Drive Time and i got told that even though the state of Texas inforces the mini miranda to be read when debt is due, they ( Drive Time ) as a company are excepted and dont need to advise. I am a little worried my information is being given without consent as well as my rights not being read.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: MD
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
RushCard made by XXXX XXXX has done something where the systems has locked and frozen peoples a counts all through out the nation. I am one of the people that is affected by this. Im sure this is n't the first compliant. This has been happening since XXXX. Im very upset by this as also many more. I have bills that need to be paided that dont care that my account is frozen. They will not awnser the phone or contact any one. If you call they hang up on you.I want my money and tp be away from this whole issue.

Company response to consumer: Closed with monetary relief