BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-29
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am set-up with Ditech with their automatic biweekly payment option offered through their website, and all payments are current, have been timely made in total monthly amounts that exceed my static mortgage payment obligation that does not change as I do not impound and have a fixed interest rate. I can provide documentation upon request of my recent statements and payment history. Despite their own payment history showing me as current, Ditech has issued me a billing statement on XXXX/XXXX/2016 indicating erroneous past due amount and a {$83.00} charge for " late fee. '' When I called their customer service number, at XXXX and spoke with representative " XXXX '' in South Dakota, I was told that many people are having this problem as a result of a new computer billing software Ditech just started using that is not properly accounting for payments and is charging late fees even though payments are current. She confirmed that my account is current and has not ever been delinquent and that she would remove the erroneous late fee. Although I was informed they would rectify their error today by crediting the erroneous late charge, I was told that this may continue to happen again next month, but just to call back again next if/when their computer software charges an erroneous late charge, if I want to be credited for future erroneous late charges as a result of their flawed new computer software. I inquired as to what Ditech intends to do about erroneous late charges billed to other customers due to their " new software issue '' that do not complain / call to request credits and was led to believe that Ditech did not have any plans to take any pro-active action to rectify the situation and properly credit accounts that are current. Nor, was any time frame provided as to when their new computer software issue would be fixed so as to not charge erroneous late fees. I was not satisfied with this response, or the lack of operational control concerning non-functioning new billing/payment software. Furthermore, the representative asserted to me that this was " not Ditech 's fault '' that their new payment/billing software program does not function properly, which I found quite preposterous and unacceptable in light of Ditech 's responsibilities as servicer of the mortgage. I am respectfully requesting the CFPB investigate these troubling issues concerning Ditech 's business practices concerning erroneous late fees being billed to non-late borrowers and not being pro-actively reversed as a result of their " new billing software '' issues. Thank you in advance for your time and service.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Tenaglia & Hunt, PA
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am wrote them in response to their letter dated XX/XX/2020 as an Outside Counsel to XXXX   XXXX XXXXXXXX XXXX. 
The information they provided was not the full history, its partial information. They did not validate enough information, I asked to provide from inception. I see inaccuracies on the statement. I am not in possession of that card in several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have received a Tax statement from County that taxes are not paid for XXXX. I have sent the tax statement on XX/XX/XXXX to Pennymac and they have not responded to my emails or phone calls. Called Customer Service for about XXXX times and it just sits on queue forever. No person to talk to. I have requested a call back and no one responds. 

I have sent emails dated XXXX. 

I would like to know the proof of any payments made and also have them contact the County and sort this out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : 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 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 explanation
Consumer complaint received 2016-01-07
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a mortgage with greentree for 20 years, and it 's been a nightmare with threats to come to my home move me out if I did n't get my payment in and will sue me, next thing i know I had thousands of dollars added to my mortage. Threats at my boys : they Told my boys " they are losing there home need find place to move, contacted my mom asking her to come up w/money or ill lose my home /contacted my X - mother law hitting her up for money. Now I been trying for loan mofication for a year greentree would deny mofication because they did n't reviewed required documents. I sent in what I was suppose to over and over again. I have contacted my state attorney general 3 times they are NO help!!! 
Greentree sold my home behind my back when they said I was finally approved for deferral, next thing I get was a letter telling me to vacate home. I have my son and grandson ( XXXX ) living with me I have been verbally abused threaten and put under extreme pressure ( XXXX, missing work XXXX ) from years of abuse from greentree.I have worked all my life, I had XXXX good jobs, but with 20 years of declining work force ( which I did n't create ) I fall behind on mortage. Greentree lie and deceived me and should be shut down. Now I have to scrap up money to get a lawyer to help me stop the sheriff serving me papers to vacate. Greentree has billed me XXXX for attorney fees court ect. I was only XXXX behind when I started mofication, now I owe them XXXX to stay in home. Can you please help? I have all documents from start to finish. 
Thank you XXXX XXXX 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 2022-01-28
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
LAst spring ( 2021 ) i went into the XXXX XXXX MD Best Buy to purchase XXXX TV 's for my new XXXX XXXX  condo i was furnishing. Time was important since I wanted to rent the condo immediately and it had to have TV 's. 
I also had Best Buy agree to install them. 
The man who helped me got me to pay with both my debit card and a credit card he asked me to apply for. 
He said BB would contact me shortly to arrange day and time for the install. 
Unfortunately, when i spoke to the delivery dept. in XXXX XXXX  they said they could not deliver the TV 's for several weeks. 
That was much too late so i told them to cancel my order. 
I also went to the XXXX XXXX store to ensure they canceled my order and refunded my money. 
They assured me they would. 
Instead, i have been receiving bills and threats ever since from Citibank ( Best Buy 's bank ) demanding payment on my credit card for TV 's i never received! 
I asked several times to speak with a manager at Citibank but they always refuse.

I have tried to contact the district manager of Best Buy but he never returns calls or e-mails.

Citibank has now begun reporting me to credit agencies as delinquent on payments for goods i never received and for an order i canceled immediately.

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 2017-06-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are  XXXX  inquiries on my credit report that I did not authorize. Before any credit is issue I am suppose to receive a phone call and still have not. I am a victim of identity theft and need these inquiries removed.  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   It shows up   XXXX   only suppose to be on there  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 2020-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i have file disputes on XXXX XXXX and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: First Direct Mediation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Got a text message early today from phone number XXXX, saying I had to contact them about a failed bank transaction and that it was urgent for me to call them. 

So I called, and this guy by the name of XXXX XXXX answered, without identifying the name of the company not giving me a debt collection warning or anything. He was asking me to confirm my information, which he had already in hand ( name, date of birth, social security number, place of employment, and old bank account info. ). He was also being very rude. I kept on asking for his name and the name of the company and he would say it very fast and would get agitated. I told him I think youre a scammer and he went off on me. He started screaming at me, saying that it was a shame that Im a cop and I cant pay a {$400.00} debt. And that he was going to give me a courtesy, but instead he threatened to file a lawsuit for  harassment and file criminal charges against me. 

He also stated that the debt was from a company called XXXX XXXX, and that he was representing them. I would repeatedly ask for his name and the name of the company he worked for and he rudely told me Learn English! And grab a pen!!!!. I was very offended by that. Rude and unprofessional! He stated he worked for a company called First Direct Mediation, based out of XXXX, NY. I also kept on asking to speak to his supervisor or manager and he was saying he had no supervisor or manager, that he worked for himself. All while raising his voice at me. I was at the doctors office on an appointment when this call happened. I told him I had to hang up because I was going to see the doctor and he still acted rude towards me and hung up on me. 

I then immediately searched in XXXX the name of the company and found the website and called and asked to speak to a manager. My call was transferred to a a gentleman named XXXX who identified himself as the operations manager. He seemed more reasonable and respectful. I told him about what happened and I asked if an individual named XXXX XXXX worked there. He confirmed to me and apologized about Mr. XXXX behavior. I also advised XXXX that I will be reporting this to an attorney at a consumer law firm. He apologized once again and said he will listen to the recording of the call with Mr. XXXX. 

I have spoken to an attorney at a consumer law firm and they will be taking action and investigate further into this company and the actions of XXXX XXXX. 

I submitted this report to the CFPB for record and so the CFPB can also see the abuse of debt collection companies and not much is being done about it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is currently reporting my XXXX XXXX account as charged-off. I 've received a letter from XXXX XXXX stating there is incorrect information being reported on my credit report and they have agreed to remove this account from my credit reports. Please see a copy of my Equifax credit report, as well as a copy of the letter from XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX XXXX and my wife 's name is XXXX XXXX. On XX/XX/2019, we applied for a refinance with Lakeview Loan ServicingXXXX XXXX XXXX, on our existing mortgage with XXXX XXXX XXXX XX/XX/XXXX. The amount of the loan applied for was originally for {$320000.00}. The process took 4 months for us to get Final Approval and the Loan Processor even asked us on when we want to close. I have sent emails and made telephone calls since, as to the status of the closing. The answer I was given was that there needs to be some updates made. Today, XX/XX/XXXX, after demanding for an explanation and answer on what's holding up the closing, I was told that we can not go forward with the closing because of how the loan was structured. I can't understand why we were told that the loan has been approved and ready to close as early as XX/XX/2019. My complaint is that why we were made to understand that the loan will close when in fact, there were some issues that need to be addressed that we were not aware of. I will forward the stream of emails between XXXX XXXX XXXX ( on behalf of Lakeview Loan Servicing ) and ourselves. The persons that I had communications with are : XXXX XXXX XXXX at Lakeview Loan Servicing, and XXXX XXXX at : Lakeview Loan Servicing. I hope this will merit your kind attention. Respectfully yours, 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 2017-09-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX- payment of XXXX due as of 2017. 
I have been to the doctor once this year and I have insurance. And I have paid the remaining balance in full. Im unaware of what to do. Or where this even came from. Please help me.

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 2017-06-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Somebody keep going online trying to get credit cards in my name and now I have  XXXX  new inquiries that I did not authorize and need to get these  XXXX  inquiries removed. The new ones that was just added is  XXXX   XXXX   XXXX / XXXX / 2017  &  XXXX   XXXX   XXXX / XXXX / 2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
" XXXX XXXX " has been calling me everyday sometimes multiple times a day about collecting on a 4-5 year old debt. ( and maybe others ). I'm awaiting important phonecalls so i have to pick up every call i get. And it's always someone from " XXXX XXXX ". Sometimes they won't even say who they are and tell me they can't give me that information unless i tell them who i am ... Last time i spoke to someone i told them are you seriously harassing me during a pandemic? To which they replied " we are not harassing you ''. If calling multiple times a day from different random numbers is not harassment then what is?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hi my name is XXXX I have debt thats from 10 years ago from a bank and I keep receiving calls as well as all my family threatening me to take me to court and even arrest me if I dont pay amount in full by certain day. The person calling me claimed to be an attorney after first answering the phone saying he was the person all the mail got back to, so Im worried and uncomfortable with this situation. The number to the people threatening me is ( 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 2017-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX and XX/XX/XXXX Wells Fargo drafted unauthorized payments from my checking account, causing me to incurr NSF charges in the amount of {$35.00} for the month of XX/XX/XXXX and {$210.00} in XX/XX/XXXX. XX/XX/XXXX payment in the amount of {$2500.00} and XX/XX/XXXX {$11000.00}. I had told that the payment would be refunded within 24 hours on XX/XX/XXXX. This has yet to hhappen, Supervisors XXXX XXXX XXXX and XXXX XXXX XXXX had both listen to the recording that I had not authorized and requested my acount number to deposit or reverse the fee 's. On XX/XX/XXXX XXXX XXXX @ XXXX indicated that he was not refunding the money and conneccted me with the office of the president. During a recorded conversation, i was told that I would recieve a call back in 72 hours. Its been weeks and no call. Now im not recieving call for my mortgage payment, 'm being charged a {$12.00} fee to make a payment over the phone. Ive inclured {$180.00} return check fee on both loans. I'vee aso been told that if I have another returrn check on my mortgage I will no longer be able to make a payment over the phone. Clearly retiliation and Extortion. Also to review my payments are now fulluy amortized and i should be at the 18th year but they have me paying them off in 23 years on both loans. My previouse loan had more of my!! XXXX payment going to principal than with the new loan. It doesnt add up to the thruth and lending although my moortgage balanced increase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: American Financial Network Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is about : XXXX XXXX Loan Officer XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, VA XXXX T : XXXX | NMLS # XXXX My friend and I have been looking for a mortgage lender to finance our next property. We came in contact with Mr. XXXX XXXX, who's a loan officer. Mr. XXXX asked us for our financial documentation unlike other mortgage lenders who would simply ask for SSN,  name, and DOB to pull credit information. He demanded that we must provide him with our 2 years of tax returns, W2s, and latest pay stubs in order for him to pull our credit and qualify us for a mortgage. 

However, after we followed up with Mr. XXXX for the mortgage estimates, his demands gotten more absurd. He now wants us to sign a commitment letter before he shows us the figures he is offering. The commitment letter states, that after signing if we happen to find a lower interest rate and decided not to pursue the financing with Mr. XXXX, we will need to pay him {$1000.00} in fees. 

We have spoken to Mr. XXXX several times but he never mentioned this was supposed to be their company policy. Even when he was pushing us to send him all of our financial and PII information he did not mention that we had to sign a commitment. 

Mr. XXXX has wasted a lot of our time and in the end, he didn't even give us the numbers he promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was refinancing with XXXX and the loan company I have Ditech has incorrectly filed to XXXX XXXX that I was late on 3 payments. I have my bank statements showing that I am not late and I was charged for my XXXX 2015 twice when I paid XXXX the prior mortgage company XX/XX/XXXX but Ditech states that I did n't although they see I made the payments they are saying to pay XX/XX/XXXX. I have a print out from XXXX that I do not owe XX/XX/XXXX. So because I made additional mortgage payments I should n't be late and they either owe me money or change the payments to show I am a month in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation