BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-15
Company: Ditech Financial LLC
State: IA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree Servicing, no Ditech, charges me {$12.00} to make XXXX payment online. It seems to me this has to be against mortgage laws to charge a customer {$140.00} per year to make payments on their online website. They are taking advantage of their customers. 

When I originally obtained my loan it was though XXXX, then XXXX XXXX XXXX. At no time did they charge me a fee to make my payment online. I have no choice who buys my mortgage, so how can they force unreasoble terms on how to make a payment? It is really cheaper for them to hire someone to open maile and accept my check?

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 2015-07-22
Company: Bliksum, LLC
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I 've had a loan from LoanMe since XXXX 2015 ( formerly XXXX that was wither shut down or on the verge of being so ). {$5000.00} at over 100 %. That 's not my complaint as I knew the rate was high. 

My issue is my personal bank account linked for monthly payments was hacked into. Due to this, My XXXX XXXX payment is a bit late here ( XXXX days as of today ) as my checking account was closed by the banks fraud department The calls from LoanMe started XXXX XXXX and are relentless. Over and over on my cell and at work. As of today I am up to XXXX calls from them in XXXX days! Yes, I can prove it with my cell ID and Phone at work call history. 

Last Thursday I spoke with a Supervisor and told him my situation and intentions for payment and that it should be within a week or so as I am waiting to be reimbursed by my Bank for the " Hack '' of close to XXXX from my checking account. Additionally, I am closing on a credit union loan to pay it off in full. He proceeded to start telling me when he needed money he would go to friends or family and asked why I would n't do the same. The degrading went on and on so I finally hung up. 

Since then, XXXX days have passed and another XXXX calls from them. I finally picked up today and explained my situation again. The female rep stated I should have my money back from the bank by now and suggested we do a XXXX way call to XXXX bank and she would speak with them. I hung up on her also. 

I have never had a loan from anywhere that pulls these tactics and is so aggressive let alone tells me what I need to do to seek money from others to make a payment. And .... the payment is only XXXX days late as of today. It is n't even XXXX days late AND I have been talking with them. 

Nothing short of Loan Sharks and as worse if not worse than payday lenders with their aggressive tactics. 

And, by reading may many online reviews, I am not the only one experiencing thisShame on this Company!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My bank ( XXXX XXXX XXXX XXXX ) sent my mortgage payment to XXXX previous loan servicers. A third servicer ( the correct XXXX ) BSI Financial Services, was finally paid on time, but one of the incorrect payments was lost and never returned ( {$1000.00} ). One of the incorrect payments was returned because my bank stopped payment on the check. The second incorrect payment was made through billpay and the payee claims they forwarded the funds to BSI Financial Services. BSI claims not to have received the funds. I asked my bank to investigate but they were unable or unwilling to follow through. 
So, I am out {$1000.00} and all parties to the problem are unwilling to help 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 2015-06-05
Company: Blackhawk Network Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
A man called me on the XXXX of XXXX. He said that I was eligible for a {$5000.00} loan. I asked for a {$1500.00} loan instead. He said it was a government loan. He said I would pay {$91.00} every month for 16 months. The interest fee was XXXX percent. 
He sent me an email with the loan documents. His name was XXXX XXXX from XXXX XXXX XXXX XXXX his email was XXXXXXXXXXXX gave me his phone number was XXXX, which was the same number that he was calling from the whole time. He said if I did the loan that day, I would have to pay back the money on XXXX XXXX. He said that I had to call him back at that number in order to pay the loan back. 
He said the loan worked like this : I would put {$150.00} on a ReLoadIt card. Once I put that money on the card, the loan proceeds would come later that day. He said the money would let him verify that I could pay the loan back. The card deposit would do that, he said. 
I put the {$150.00} on the ReLoadIt card on XXXX XXXX. I bought the card at the XXXX XXXX on XXXX XXXX. in XXXX, NC. The man was on the phone while I purchased the card in the store. He said to give him the pack number ( XXXX ). I did. He said it would take 1 hour to process. I kept calling him about every 30 minutes. He said it would come ... just wait and it would arrive. He said wait another hour. 
I went to ReLoadi 's web site XXXX said to make a special account. They said the money had been used, because he had the pack number. ReLoadIt told me as long as you have the pack number and the amount you put on the card, you do n't need anything else to get the money off the card. They said he could take the money if he had the Pack and the amount. So he did and he kept the money. 
He called me again Wednesday XXXX XXXX. He said to put {$110.00} on another ReLoadIt card. I did n't do that, though, because my dad said not to do it. When he kept asking for money, I got smart.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account is not mine, I did not pay or have a collection balance with XXXX, I have current service and always pay on time. This is unverifiable and inaccurate data

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 2016-03-03
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
i have requested tax documents from company several times per my request they state it will be sent and todays date is XXXX/XXXX/16 and this information is still not available to me. Thus I am unable to filetax return adn deadline is fast approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
during separation my husband was to pay the mortgage per court order. He did not, I did not know until the mortgage was 1 year behind at that point I tried to get assistance from the lender and a loan modification and government funding to assist with the arrearage ( I did rec. that approval ) the lender - Ditech/Greentree is running me ragged and not communicating with me. I can pay this mortgage but I need to get approval so that the funding I have rec 'd can be released. Summary Judgement has been ordered and I am in process of foreclosure. I can not get the lender to communicate with me if I can get a loan modification and I have all of the emails, faxes and recording of phone calls.. I 've been getting a run around for months and can not get any straight answers. I am desperate, I am a mother of XXXX small children and I need help. I can not get any help from Ditech/Greentree and I am pleading that you will help save my family and my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company involved here is Ditech Financial LLC, previously known as Greentree Financial. 
On XXXX XXXX, 2015 I started receiving collection notices for a loan I did not take out. This occurred several years after I thought the issue was resolved. Therefore, I filed a complaint with the CFPB about this collection attempt. That case number was XXXX. After my last communication with the CFPB and the company stating what I expected to happen, I received no further collection action or communication from either. At that point I believed the problem was resolved. 
About a week ago. I received a XXXX from Ditech Financial LLC for {$1700.00} of debt discharged. When I called Ditech Financial LLC they told me the account was closed and that they would not change or recall the XXXX. Since I did not pay them any money, I do n't know how they discharged the loan but someone must have paid it off. As was covered by the previous case cited above, I did not owe this debt and had never done business with Greentree or now known as Ditech. 
This XXXX will adversely effect my taxes which will be the same thing as paying this debt I did not owe. Since I did not owe or pay the debt but someone else did, that someone should get this XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was not sent a final bill after I canceled my XXXX account as I was told they would do so I could pay the remaining balance, they never sent a final bill nor did they send someone out to pick up their equipment and tried to make me pay for it, I finally got them to pick up the equipment but still was denied a final bill instead they sent to collections, I was just notified by XXXX when I checked my credit, I immediately called and made full payment ( still without a bill ) payment confirmation number is XXXX. Please remove this collection from my report immediately. Thank you

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 2016-05-09
Company: Servis One, Inc., Titusville, PA Branch
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX sold my mortgage to BSI Financial. They took a year to set up ACH payments. They try pulling the payments early causing NSF fees. Then they wo n't accept payments. I 'm going to end up losing my home, that I had built on land that was my late grandfathers and then my late dad 's. My research has shown me horrible things about what this company does and their Investors, XXXX XXXX XXXX. It seems they foreclose on people, a " friend '' company buys the home at auction and BSI ends up owning the property before it 's all said and done. XXXX. Too many people are losing their homes to this crooked company. As for my situation, I 'm now a single mother trying to keep my home and land ( which is family land and means the world to me and my son ). If I was able to refinance, I would, but that 's not an option for me. This company needs to be stopped! What can be done to stop this monster? I know there are enough people being ruined by this company that it 's known what they are doing. Please, someone help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX  {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} 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 explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-10-24
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
There has been several issues. I was charged incorrectly for my card. Rush card owes me XXXX and refuses to pay. I had XXXX fraud fees on my card of XXXX each and they still have not investigated it and have not taken measures to refund y account or secure it. 
For two week + I have not been able to use my card.I have direct deposits that have mysteriously disappear and my balances have fluctuated They are crooks and I want compensation for all the turmoil I have been though I have called the company a number of times with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, XXXX FL XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have been trying to speak with someone by calling Rushcard XXXX number. Every time I call I 'm either on hold for XXXX hours or they hang up, this last time the young lady was so rude I forgot why I was calling. These past few weeks have been a headache. I went from missing money to not receiving my deposits. I understand they might not come early anymore but it 's past my pay date and no XXXX will come to the phone. I have been a member since 2011 and you would think they would handle this more professionally. They need more customer service reps and to keep their customers in the loop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just learned today that the debt collection agency NCB Management Services on behalf of XXXX XXXX XXXX telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXXXXXX for months on end. I have not, personally, paid on the XXXX XXXX XXXX account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by NCB Management Services to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that NCB Management Services should return to my wife the recent {$50.00} payment that they procured by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a XXXX XXXX XXXX veteran, service connected with XXXX and XXXX. 
I was employed through an XXXX where medical benefits were covered through XXXX California. My premiums were always paid and I never used my insurance. Until I was XXXX and XXXX was needed. The medical group pre-authorized the XXXX. The XXXX was scheduled and after the XXXX, XXXX XXXX XXXX California did n't pay out. Now the medical group sent this {$7000.00} debt to collections and it 's on my credit report. I ca n't even get a cell phone because of these negative accounts in collections. Somebody made an mistake and it was n't me. The medical group has money, the insurance companies have money, the collection agencies have money but they 're trying to stick the debt on the XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
DITECH, AND XXXX ARE ATTEMPTING TO SALE MY HOUSE ON XX/XX/XXXX ON THE COURTHOUSE STEPS. THE ASSIGNMENT THAT IS BEING USED IS ROBO SIGNED, THE ASSIGNMENT WAS CREATED AFTER THE CUT OFF DATE OF THE TRUST. THE ASSIGNMENT IS FRAUDULENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was seeking to refinance my home. I started working with XXXX company ( Loan Depot ) in CA. they ordered an appraisal which I paid for. just as the appraisal came in I was offered a much better deal by another financial service. I and the new financial company asked Loan Depot to transfer the appraisal. they are refusing saying they do n't do that. I paid for it. In addition they contacted my insurance carrier and informed them they would be servicing the loan even though I have informed that I no longer wished to proceed with their offer. I understand they are upset at losing my business but do n't I own the appraisal. just because they " would not accept another appraisal '' does not mean that it is legal or ethical to deny transfer. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Has in the past threatened to take legal action but currently, when they call me, if I answer my phone they hang up. If I do n't answer it they k eave a message with a call back number. I call back and leave a message with no return call. This is a second mortgage on a house we lost in forclosure.i have been making payments to them every month for 5 years. I have even offered a settlement.

Company response to consumer: Closed with explanation