BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This input relates to a complaint I filed that was assigned case number XXXX. Citi Mortgage gave a response, which I responded to on XXXX/XXXX/16. My question was, why was Citi threatening me with foreclosure while offering me a loan modification at the same time. More importantly, I was under a bankruptcy stay when Citi threatened me with foreclosure. I am once again asking Citi to answer this question. They have failed to answer it before in the case number I referenced above.

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 2017-01-04
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house was placed into foreclosure status with a sale date of XXXX XXXX, XXXX. I have been working closely with DiTech to modify the mortgage and avoid losing my home. I submitted ALL required documents via fax in XXXX XXXX. DiTech agents went back and forth with me for weeks requesting duplicate information. On XXXX XXXX, XXXX a DiTech agent advised me that all documents were in and would be forwarded to loss mitigation and the sale date would be postponed. To date I have been unsuccessful reaching anyone to confirm the status of my application ; no one answers or returns my calls. I contacted XXXX in XXXX for assistance ; today XXXX XXXX, XXXX, the representative and I learned today that DiTech needs XXXX additional documents to consider moving forward with the modification.Further, the representative was concerned that precious time passed and at this point I have not received any significant feedback. DiTech has not communicated with me effectively, I have been misinformed, not given the correct information or asked for duplicate information. I had adequate time to settle this matter with DiTech, because of their lack of concern I am not days away from foreclosure and no one to help me right the wrong DiTech has caused. I am in a desperate situation and I simply request that someone intervene in the process to allow time for the modification to be reviewed. I am running out of time, and simply can not afford to leave another unanswered call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Dream Center Education Holdings
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
ON XXXX/XXXX/XXXX I contacted South University online by requesting and paying the fee for an official transcript. After not receiving my transcript, I contacted South again via email on XXXX/XXXX/XXXX and an unofficial transcript was faxed to my requesting party with the promise of an official transcript being sent out the next morning. At XXXX XXXX/XXXX/XXXX, I received an email advising me that my transcript request could not be processed and that I needed to contact the included phone number. On XXXX/XXXX/XXXX, I contacted the number and was told that my debt had been sold to a collections agency by the name of XXXX XXXX XXXX and was given a number to contact. I completed my degree in XXXX. I have not heard from South since with the exception of receiving a check at the end of the last term. I have not received any phone calls or letters advising me of a balance and would not have expected to because the school was paid before I was and I did receive an excess check. Now my issue is that my employment is being held up because I ca n't get my official transcript. Also, if my debt was sold to XXXX XXXX XXXX, I no longer owe South University, I owe XXXX XXXX XXXX and at no point and time have I been contacted by them. So my official transcript should be sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-08
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Mortgage illegally and unlawfully withdrew {$390.00} from my checking account. I have autopay set up with Ditech and Ditech took advantage of my autopay by removing monies not authorized. My current mortgage payment is {$740.00} and I wished to pay another {$100.00} towards the principal. When I called to report this after much wrangling, Ditech agreed they were wrong. The Ditech Autopay system " had just been upgraded '' which I suppose gave Ditech a license to take my money. I want the CFPB to do a full investigation of Ditech 's payment processes online including a careful review of autopay. I was unable to cancel my autopay even though the system made me believe I had cancelled autopay after I discovered the unlawful withdrawal. Ditech had to remove the autopay in a phone call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: PA
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 account is not mine. I stayed at the resort once but only paid for the room for the time I was there. I did not purchase anything from them. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. XXXX took my information they had on file while I was staying there and fraudulently used it without my permission to open this account. XXXX & the credit bureau have been reporting this inaccurate account and it is hurting my financial stability. This is a scam. I demand this to be thoroughly investigated promptly. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to Equifax and XXXX and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: FMS Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company calls XXXX times a day using a robodial that prompts me to press XXXX to talk to them or XXXX to end this call. Regardless of pressing XXXX or XXXX, the call always ends. Not to mention, I do not have any outstanding debt to be collected. This harassment has been going on for over 8 weeks!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-13
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested my mortgage servicing company to cancel my escrow account be my mortgage payments continue to escalate over several years until now we can not afford the payments on the loan for the current year of XXXX. We submitted a request in XXXX XXXX. I was told since we have a conventional loan a written request must be faxed or mailed. I sent the request through a fax letter with the loan number. This company police holds {$700.00} in reserve fund above the total amount it disbursed for property taxes and insurance. We are now finding it hard to make new loan balance payment each month for year XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This account was added to my credit bureau on XXXX XXXX XXXX after being notified this was included in chapter XXXX bankruptcy XXXX XX/XX/2013. I 've had a representative call me after the fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a check from the CFPB Civil Penalty fund for CFPB V. Green Tree Servicing. ( Tracking # XXXX ). I read the letter and the case. I understand that {$18.00} XXXX was paid into the CFPB Civil Penalty Fund from which I was paid from. The case states there was also a payment from Green Tree of {$30.00} XXXX for violations regarding in process loan modifications. I would like to submit a claim for the repayment of the offense from this {$30.00} XXXX account. How do I go about submitting a claim to be compensated from this fund?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the 2nd time in a year, Ditech has issued me a notice of non-payment on my mortgage. They have added a {$40.00} late charge and threatened to report the non-payment to credit reporting agencies. Because of the TERRIBLE on-line reputation of this company, I have been sending my monthly mortgage via USPS Certified Mail. 

Once again I am being told the funds have not been taken from my account so I am late. I have provided the USPS tracking number and the Ditech representative verified the USPS delivery. They still say it is not their problem and I am responsible for their inept handling of financial documents. 

I told Ditech I was willing to re-send the payment provided they credited my account the {$40.00} late charge and a {$39.00} stop payment fee. They refused and maintain the check has not cleared the bank so I never made the payment and consequently, I owe them the money and my tardiness will be reported to credit agencies. 

Ditech has independent confirmation of delivery via the USPS Certified Mail tracking system that my payment was delivered to their post office box in a timely manner. Courts of competent jurisdiction have ruled this independent confirmation is valid. The check got to them. They lost it. They need to cover any costs of replacement and not to report any deficiency. 

These folks have a TERRIBLE online reputation for financial shenanigans like this. The last time they pulled this on me, I objected and they ended up finding the check, crediting my account, and removing the late fee. I hope there will be some type of class action against them in the future to provide an impetus to straighten out their shoddy business practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in receipt of a notification dated XXXX XXXX, 2015 indicating that the law firm of XXXX XXXX XXXX, XXXX of XXXX, NJ has been retained to initiate a lawsuit to foreclose the mortgage on my property. As per this correspondence, it denotes that the creditor of aforementioned property is XXXX Bank XXXX XXXX and/or XXXX Mortgage Loan Trust. This is not my mortgager ( it was XXXX XXXX XXXX ), it 's now Select Portfolio Services. 

I 've requested that the law firm provide information to validate the creditor and ownership of this mortgage. Neither of these institutions have been a mortgage holder which I am familiar with. I am currently in the process of negotiating a modification of my current mortgage with Select Portfolio Services XXXX Inc., and appealing the preliminary decision. This notice is the first time I 've been advised of these XXXX additional creditors/trustees. I feel like this is an institutional strong-arm tactic to intimidate me into a short-sale of my home in lieu of a modification. 

In addition, the original mortgage for this home was refinanced several times over the past 10 years and initially was $ XXXX. I 've requested with a chronological explanation of the additional {$62.00}, XXXX. This amount appears to be incorrect and/or is underpinned by predatory lending practices from lender to lender. These may be lenders that I am unfamiliar with that appears to be certificate transfers. I would like to see these transfers with dates and explanations. 

Lastly, as you may imagine, I am deeply concerned about these institutional hand-offs from lender to lender and the legalese in this recent correspondence. I have requested a detailed explanation of items # XXXX & XXXX in layman 's terms, as I am unable at this time to afford legal representation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, I submitted a refinancing application to Quicken Loans for XXXX of our XXXX homes in order to pay down some unexpected debts. My loan application was approved pending an appraisal of the property. After sending all the documentations to Quicken Loans. I was asked to provide many years of tax information going back to XXXX and I did that. Finally, they came back saying that they ca n't move forward, because appraiser could n't find a comp for the property ; which seems odd, because there are several rented properties in XXXX mils radius of our home. I asked for a copy of the appraiser 's report and they indicated that there was no appraisal and therefore I asked for a refund of my {$500.00} appraisal fee back and an explanation of the process. I have not received neither as of this morning. All they have said is that the appraiser could n't find a Comp. Our rental agent has several properties that he is managing in that area. I understand the separation of broker and appraiser as a result of changed policies after the crash of XXXX ; however, there is clearly a problem with this process because there are available Comps for our property. It seems to me the Quicken Loans did n't want to move forward with this loan and I can accept that. It 's the reason that they are providing that is troubling for me. I have shared this reasoning with several realtors and none of them have heard this reasoning before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen lost an {$1800.00} payment that was sent in XXXX then charged late fees and returned the check once they found it 3 months later. They continue to deny that they lost it stating they received the funds in XXXX when we clearly sent it in XXXX. They refuse to look at the envelope with the post mark date. This is not the first time a payment has been lost by Ocwen. Last XXXX they lost a {$700.00} check for 2 months. I have now sent a certified payment of over {$3000.00} overnight with signature confirmation and it still has not been applied to the loan. It was received by Ocwen on XXXX/XXXX/15 at XXXX. It is now XXXX/XXXX/15. This is extremely poor business practice and I want them reported for losing my payments multiple times. Someone has to be governing their accounting department and I want them notified. The late fees are illegitimate and I also want those removed. If nothing comes from this complaint, I will contact the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding PNC Mortgage. We all know PNC Bank has been having problems remaining financially stable & are penalizing consumers. This is my XXXX complaint filed relative to unethical practices at PNC Mortgage. For the past 14 years, XXXX to date, I 've rented the home located at XXXX XXXX XXXX, XXXX, XXXX, WV XXXX and the mortgage has run from {$470.00} - current $ XXXX. The highest mortgage rate was a short period of time from XXXX XXXX into XXXX at {$610.00}. Each time, PNC Mortgage has completed a new Escrow Analysis to determine upcoming payments. By letter dated XXXX/XXXX/XXXX, PNC voluntarily notified me that " Under the XXXX of XXXX '' I was eligible for removal of PMI. XXXX deleted PMI on another rental property of mine years ago. In a letter dated XXXX/XXXX/XXXX, PNC recanted that the property is eligble for PMI removal. In XXXX XXXX, I contacted PNC as follow-up to their XXXX/XXXX/XXXX letter. In response, by letter dated XXXX/XXXX/XXXX, PNC stated " The HOPA of XXXX does not allow automatic termination of PMI for a second home or an investment property. ' 'Therefore, we are required to follow the deletion requirements of the loan vestor. '' In the letter PNC Mortgage is also requesting an appraisal at my expense. I also received separate correspondence of the same date, XXXX/XXXX/XXXX, with another Escrow Account Disclosure Statement. In this ( adjustment ) statement, PNC Mortgage indicates an escrow shortage of {$760.00} and an increase in monthly mortgage payment from {$560.00} to {$680.00} XXXX XXXX ). I have NEVER made any money on this property while renting ; have always had to supplement the monthly payment. It is my opinion that PNC Mortgage is being quite absurd about their inconsistent business practices. In the past, they have also overcharged for Flood Insurance on the property ( as has XXXX XXXX ) and also placed flood insurance on the property at the same time XXXX XXXX had provided coverage. * I am not able to scan to upload my supporting documentation, will need permission to fax or mailing instructions. My request is that PNC Mortgage be required to reimburse me for the duplicate and excessive flood premiums charged and also they further explain why their Escrow Analysis have been inconsistent over the past 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: FMA Alliance, Ltd.
State: NY
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:
My XXXX check card has had several security breaches in the past year. I had several foreign and out of state parties steal my check card number to make online purchases. I contacted my bank to report the transactions as fraudulent. One of the purchases appeared to be for this company XXXX. There were several months of charges from this company made by this fraudulent individual ( s ). I contacted my bank as soon as I realized the fraud occurred. XXXX XXXX XXXX bank replaced my card and resolved many of the charges. However, XXXX did not cease the fraudulent action. I contacted them directly to advise that this was fraud and to cease billing me. I asked them to tell me what the service was form what name was used to open the account etc. They refused to verify the debt with me and they refused to refund my money. I explained again that I dispute the charges and they are fraudulent and they refuse to cease collection. They now call my cell phone, a number that they never had until I called them. And they are even sending collection notices to my place of work -- -an address that I never provided to them. My name is not affiliated with my work address at all and my work address can in no way be construed as a residence. The company is willfully skipping my place of employment and disclosing my debt to my employer by sending collection notices to my place of work. They have refused my request to verify the debt and they have been advised that this is disputed and fraudulent debt. I am at a loss for how to make this company cease and desist their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We began the process with BB & T of a construction to permanent loan. After demonstrating we had sufficient income, credit, and down payment, we were extremely disappointed in the due-care and professionalism of our mortgage contact at BB & T. Our appraisal, although told by BB & T would take about 2 weeks to get back, took over a month and a half. The first XXXX versions of the appraisal were based on the wrong set of architectural plans and the next XXXX versions contained XXXX of XXXX houses in different school districts and XXXX of XXXX houses that were over 20 years old compared to our new construction. Our mortgage contact at BB & T was unresponsive, did not return emails, did not return phone calls, and acted in a manner that lacked professionalism. His response to my frustration with the entire process was simply to state, " duly noted. '' We have expended considerable time and energy to at this point and were extremely frustrated that we had to fire BB & T even though we met all of their pre-approval requirements and could just not get adequate professional service.

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