BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-08
Company: Midwest Recovery Systems
State: OR
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 checked my credit and found a collection item. I called Midwest Recovery Group, which told me this is from XXXX XXXX, another debt collection company??? I was told this was from a payday loan in XXXX Ca. in XX/XX/XXXX, I have not lived in XXXX since XX/XX/XXXX. I have not been notified of this, by mail, phone or email. I have no outstanding debts to be put in collections. I do not know who the ORIGINAL creditor is supposed to be. I have been getting calls now for about 2 years and every time I turn to CFPB and get results. I have had this removed before because it is not mine, beyond collections in Ca. I asked for validation to be sent to me but the person never asked for my correct address after I told him I have not lived in XXXX since XX/XX/XXXX. This is a scam just like all the other complaints I have filled out. If this is a payday loan then it its supposed to be arbitrated and no attempt has been made in a legal fashion.the process to put such an item on my reports was circumvented in violation of the FCRA. I have absolutely no information on this debt to even begin disputing it.This is an end run around the law because whatever this is can not stand up to the scrutiny of a court room. In court I have discovery and can get to the bottom of this. I believe it is not mine and the light of a court room would prove this is not mine and who ever is responsible for this item will be found uncollectible due to age of said item. This is a scam and I want my info back. My info has been breached by XXXX XXXX, XXXX, my local hospital and my XXXX doctor in XXXX Ca. I can not fight or dispute this as I have no information about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: BlueChip Financial
State: MI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Spot Loan was charging me interest I did n't expect. I tried to work with them and asked if I could pay off the principal amount with reasonable interest and they refused. Then upon further research I found they were not licensed in Michigan. Now, they are trying to sue me. I requested an {$800.00} loan and they are trying to collect over {$1600.00} from me. Please help me resolve this.

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 2017-03-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been XXXX since XXXX with private XXXX as my only income until XXXX. In XXXX, my private XXXX company began to withhold my monthly benefit from me reducing my income by more than 50 %. This is non-cancellable policy insured to age XXXX. I purchase my home in XXXX XXXX with a loan from XXXX XXXX, who sold it to XXXX. I notified XXXX of the hardship. They informed me I had to apply for Hardest Hit funds first before I could get a loan modification. I did and Hardest Hit funds were applied to bring my loan current. Then I asked XXXX for a loan modification. XXXX turned me down because my loan was current via Hardest Hit. once the Hardest Hit funds were exhausted, I I applied for a modification. Through XXXX 's delays and putting me off- by the time they finally began talking to me about loan modification, they said I was too far behind to qualify for many programs. Many of the HARP programs I did n't qualify for because I purchased my home in XXXX. However, I was forced to purchase this home due to being displaced from my home purchased in XXXX XXXX as a result of an unexpected divorce. A home that I owned with my husband, but I was not on the loan with. I was the person who serviced the loan, but the lender would n't transfer the loan into my name because the house would n't appraise for the amount owed. 
In XXXX XXXX finally agreed to let me make trial payments which I did. After the 4th or 5th payment, they sold my loan to PennyMAC. They did n't like my signature the first time, then they did n't like the military format I used for the date the second time. Then there was some vague language about a {$60000.00} balloon at the end of the loan I did n't understand. As I communicated with PennyMAC, I was told my loan was in review as late as XXXX XXXX. The loan docs were expired, and they could n't send new ones but said I could apply for new ones. XXXX XXXX I received foreclosure notice and date to sell my home of XXXX XXXX. We submitted new documents immediately, but they only confirmed the docs on XXXX XXXX. They said it would take 30-45 days for an answer. 18 days later they rendered a denial saying they had exhausted all options and that my income was too low and what I was behind with penalty and fees was too much. As soon as I hung up with XXXX XXXX, I went to XXXX for an eligibility questionnaire and I qualified to apply. I received a confirmation number and will receive logon credentials for an application within 24 hours. l have a debilitating condition and I care for XXXX XXXX children who need the stability of our home which we 've enjoyed since XXXX. We 're the very example of why these programs are created, but the process is too complex to make them accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Capital Management Services, LP
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Capital Management Services called our home phone and also my husband 's cell phone. I called them back and they asked my name. I asked who they were looking for. Again they asked my name. I told them. The woman said there was a personal matter with me. Then asked my middle initial and the last XXXX of my social. I asked what this was about. She said they needed to verify who they were speaking with. I refused. She said she had my info. I asked what it was. She refused. She then asked me what my birthday was. I asked what the call was about and she would n't tell me. She told me I was not cooperating. I asked what this was about again. She would n't tell me. I told her not to call my phone again. I have NO idea who they are looking for and or what the call was about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Midwest Recovery Systems
State: NC
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 systems has filed a false claim on my credit report. I never recieved any notification about a debt or communication. It is reported on my credit report as of XXXX XXXX 2016 for a XXXX XXXX XXXX. XXXX XXXX XXXX I have researched is a " pay day '' loan company. I have not taaken out a pay day loan and do not owe this debt. I have been monitoring my credit for the last 3 years and this just appears without any notice. I have written them and demanded they remove this negative item immediately. I also imformed them that " Payday '' loans are illegal and unenforceable in NC. I have not taken out a payday loan, and do not owe this debt. I am a XXXX and will take this to litigation as a class action suit as I am sure I am not the only XXXX they victimized in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: ACS Education Services
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Following the complaint I filed last month ( Case Number XXXX ), XXXX XXXX of ACS stated that on XXXX XXXX, 2015 {$12000.00} was deposited into my bank account electronically. 

First, no funds have been deposited into any bank account I control. Upon discovering this, I have made repeated calls and emails to ACS and XXXX XXXX for over a week. Thus far, none of them were returned. By calling the main line, however, I was able to speak with a base level customer service employee who informed me that the {$12000.00} was sent to an account with XXXX XXXX XXXX. I have no XXXX account on file with ACS, the XXXX account I once had was closed a long time ago and all references were deleted from my end of their system in XX/XX/XXXX and updated to XXXX XXXX XXXX. I do not know why ACS sent the funds to XXXX, nor do I know who currently is holding those funds, but I do not have any accounts with XXXX and can prove that fact. Consequently, no funds have been returned to me, despite XXXX XXXX 's claim that they were. 

Second, I did not authorize this transaction. In fact, when I became aware of the situation, I left XXXX XXXX a voicemail indicating that I wanted to be fully informed of the financial ramifications and how interest would be calculated prior to any action. No authorization was made. Had XXXX XXXX called me back, I likely would have refused the refund or, at the very least, informed him of the proper place to send the money. 

Third, I have repeatedly called XXXX XXXX and the Resolution service of ACS and no one has returned my calls. I have also emailed them and have received no responses. The only success I have gained is with base level customer service, but they are unable to help me and were merely able to inform me that the money was sent to XXXX XXXX XXXX. 

As it currently stands, it appears that ACS has taken {$12000.00} and it appears they have no interest in even discussing the matter with me directly. 

Surely, if this remains uncorrected it must be a violation of civil and criminal law. I ca n't imagine you can simply seize over twelve thousand dollars without any repercussions. There must be some form of fiduciary duty in play with regard to the payments that I had already made to them. I can not imagine that ACS is allowed to erase past payments without authorization, and then send that money to a random XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: The Leviton Law Firm, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ive received 2 voicemail 's from the XXXX XXXX XXXX representing XXXX in regards to a debt for my business. I called and spoke with XXXX, who stated that I owed a debt from a policy that I had from XXXX XXXX to XXXX XXXX. I had no knowledge of the debt so I asked for additional documentation. He could not provide that but offer to give me the contact of the debt collector. The gentleman by the name of XXXX XXXX was rude and could n't provide any additional information in regards to this policy/debt and asked me not to contact him anymore. Both parties will not send any documentations and I will not claim a debt that I have no documentation for. I have included the times and dates of our conversations. 
XXXX Voicemail ( Law Firm ) XXXX Voicemail left by XXXX ( Law Firm ) XXXX ext XXXX Case # XXXX Policy # given XXXX XXXX/XXXX/XXXX Phone calls between myself and XXXX XXXX Phone call between XXXX ( XXXX contact ) , contact # XXXX Please investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: BlueChip Financial
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
In 2012 I received what they call an Installment loan and I lost my job.. I notified them to cease the ACH withdrawal from my bank account.. I recently been getting harassing calls from this company or whom ever does the collection.. They never say, and is a different person threatening that they have papers to serve me I explained that I no longer live in Michigan and they never asked for me to update my address and they continuously harass my parents.

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 2015-12-08
Company: National Credit Adjusters, LLC
State: IL
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:
NCA WENT ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA. SOLD DEBT TO XXXX WITHOUT VALIDATION AND ENDED UP ON MY CREDIT REPORTS IN VIOLATION OF FDCPA, FCRA, AND TCPA. XXXX CALLS TO MY WORK ETC SEE ATTACHED PHONE AND OTHER RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Dream Center Education Holdings
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt to The Art Institute of XXXX was PAID off by a Student Loan Forgiveness program and it is in the XXXX as PAIN IN FULL. HOWEVER, the school has fabricated a {$6000.00} debt for me, stating all types of erroneous damages and they are HOLDING MY TRANSCRIPT which is PREVENTING ME FROM transferring to obtain my XXXX XXXX. Not only that, The Art Institute has SOLD my account to a collection agancy and then the collection agency gave it BACK. They are claiming I left damages to an apartmentXXXX, in which there are NO PICTURES, NO PROOF and there were XXXX students living in that apartment WITH ME. I have attempted to work out a payment plan with The Art Institute but I work for a consumer advocacy firm and I am NOT PAYING an INVALID debt!!!! Please investigate this matter as they are HOLDING my TRANSCRIPT and causing me to have HOLDS in registering for XXXX XXXX XXXX XXXX XXXX. I am XXXX class away from my XXXX in XXXX XXXX. I have a copy of the XXXX sent in by a XXXX XXXX, who was on the ORIGINAL STAFF when I attended The Art Institute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
According to the XXXX, A servicer must automatically terminate PMI for residential mortgage transactions on the earliest date that both the principal balance of the mortgage is first scheduled to reach XXXX percent of the originalvalue of the secured property ( based solely on the initial amortization schedule, in the case of a fixed-rate loan, or on the amortization schedules, in the case of an adjustable-rate loan, regardless of the outstanding balance ) and if the borrower is current on mortgage payments. My loan has met these requirements. On XXXX/XXXX/XXXX, I sent a fax to the Escrow Dept. of Ditech XXXX formerly Greentree XXXX stating that I was aware that my PMI was due to automatically terminate on XXXX/XXXX/XXXX and I included a copy of my appraisal and the amortization scheduled provided to me by Greentree. On XXXX/XXXX/XXXX, I received a denial letter from Ditech listing reasons for the denial that 1. ) Do no apply to my loan and 2. ) Based on a original value amount that was not provided and that would not be valid according to my records. On XXXX/XXXX/XXXX I sent another fax asking Ditech to provide me with the original loan value that they are using and how they came up with this value. Instead of properly responding to my request, The escrow dept. sen a copy of the same denial letter that they orginally sent, with no explaination of what number they are using the for the orginal value or where that number came from. I 'm being forced to pay PMI each month when I legally do not owe it as to avoid a late fee. I was told that Ditech would refund the money XXXX XXXX if they found I overpaid. Why should Ditech get to keep and make interest off my money for 6 months or more for violating the law? The answer is that they should not and if they are attempting to take advantage of a well informed consumer, just think what they are doing to consumers that do not know their legal rights.

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 2016-09-03
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech sent me " resolution '' that not right to my case. i did not complain about {$500.00}, and {$770.00}, that they never took from my account. I do ask about {$800.00} I paid on XXXX/XXXX/16, and and {$800.00} I paid on XX/XX/XXXX. 
Please I am waiting for the answer. 
XXXX XXXX XXXX/XXXX/16

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Ditech Financial LLC
State: ND
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial LLC recently purchased my mortgage and I 've had many problems w/ them from the start. My 1st payment w/ ditech was due on XXXX/XXXX/2015. I tried to set up my online account w/ them but was unable to do so. I called and they said since my account was new I had to wait about 2 weeks in order to get a user name and password. Since I was within the 60 day transfer window I figured I 'd just wait until I could set up the online account and do an ACH transfer. I continued to get hounded by their collection dept all month. Now it 's around XXXX/XXXX/2015, I try to set up my online account and am told the service is down for some reason. Since I was still within the 60 day transfer window I told them I would make a double payment on XXXX/XXXX/2015. The rep at Ditech argued w/ me saying he 's never heard of a 60 day transfer window. The collection dept continued to call. I found it odd that they would call my workplace before calling my cellphone. I do n't want my co-workers thinking I 'm some sort of deadbeat. 

So I finally get registered online w a user name and password. I went to set up an ACH transfer and the website did not allow me to do it. So I had to call in to Ditech. I was supposed to make 2 payment for a total of {$2900.00}. Ditech tried pulling out {$2900.00} three times which resulted in overdraft fees, lots of phone calls, and lots of irritation. When I set up the ACH transfer on the phone i was told I would not be charged to {$12.00} convenience fee, but I was actually charged it twice. They said they would refund the overdraft fees and the convenience fees but I have n't seen it yet, going on close to a week. 

According to Ditech my account is past due, not sure what this is doing to my credit score ... 

Ditech seems to be an aggressive debt collector and not a mortgage servicer ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have faxed cease and desist to this company on several occasions and advised verbally on several occasions including XXXX/XXXX/15 to XXXX management and collectors not to contact me. I declined to provide them a phone number and adivsed this is becuase I DO NOT WANT TO RECEIVE CALLS. Today I received a call from XXXX XXXX XXXX XXXX ext XXXX his caller id # XXXX @ XXXX XXXX XXXX/XXXX/15. 
He stated XXXX him to call me. I advised him as per a previous coversation with him XXXX/XXXX/15 and management I adivsed I wanted no calls and did not give them this number to call me in fact I refused my phone number all together. I advised my phone number is on a cease and desist and always has been. That he should not be calling me under any circumstances. I took his information and advised him I would be reporting this incident. 
When my phone rang with this debt collector I was in XXXX XXXX and was asked to leave the room due to the disturbance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my own homeowners insurance in XXXX of 2014. On XXXX of 2014, Greentree placed lender placed insurance plus unneeded flood insurance in the amounts of {$1500.00} and {$1900.00} on my property creating an escrow shortage. They have acknowledged that I had insurance ( 1 year later XXXX but are still insisting that I owe escrow resulting in my on-time mortgage payments being credited toward escrow shortages and then being considered late. I have made all of my payments on time yet they asked for an additional {$1300.00} in XXXX. They have threatened to foreclose and bounce me from representative to representative with never a resolution. There is no physical address to get a signature from so they do not acknoledge receipt. I am honestly ready to let them foreclose in the hopes I can get a resolution with a judge present.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: JPMORGAN CHASE & CO.
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation