BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am being charged {$920.00} in insurance fees for a mortgage force placed insurance policy from XXXX. This amount was just charged to me XXXX XXXX after I received ( XXXX ) XXXX claims settlement checks in XXXX XXXX. XXXX check was for {$980.00} and the other for {$950.00}. These were due to overpayment on forceplaced insurance policies. Incidentally I obtained my own home owners insurance in XXXX XXXX. I had a loss of coverage in XXXX due to my having to fike a claim on my state farm home owners insurance from the XXXX XXXX XXXX XXXX that hit Alabama. My insurance company dropped me when my policy term was up. Over the years my forceplaced insurance has always been paid in conjunction with my house note. It would be an additional {$120.00} on top of my {$630.00} mortgage. When I came out of bankruptcy in XXXX XXXX {$13000.00} was paid to Greentree to bring all balances current. I feel I am being charged this huge amount to pay at XXXX time due to the insurance settlement. It has been added to my mortgage payment sue for the month. I am disputing this amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
MEADE & ASSOC # XXXX has reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was XXXX XXXX XXXX. This is a error and needs to be updated.

Company response to consumer: Closed
Consumer complaint received 2022-04-22
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Original company XXXX XXXX Alleged amount owed {$550.00} Third Party The CBE Group I have continuously been contacted by a third party debt collector The CBE Group and the calls have been non stop on a daily basis.I spoke to one of their representatives to make them aware of the laws and to cease communication with me. But unfortunately the calls have kept coming in. According to 15 U.S.Code 1692 sections ( a ) ( b ) ( c ) ( d ) and ( XXXX ). 

The company never announced who they were when they continued to call me from an automated telephone line. I received paper notice in the mail that a debt was owed to the original creditor which is XXXX XXXX. Which the company had been notified of my bankruptcy filing and still sent the " alleged account to The CBE Group, which I gave them no permission to do so. 

According to 15 U.S. Code 1692b ( 1 ) ( 2 ) ( 3 ) 15 U.S. Code 1692d ( 5 ) ( 6 ) Calls Received from The CBE Group On XX/XX/2022 at XXXX a.m. 
On XX/XX/2022 at XXXX a.m On XX/XX/2022 at XXXX a.m On XX/XX/2022 at XXXX a.m. 

15 U.S. Code 1692k ( a ) ( A ) I want the company to pay me for each call which is {$1000.00} per occurrence either that or I will pursue litigation against them for the mental and emotional damage they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loans that originated through XXXX which XXXX XXXX XXXX later had Greentree Servicing to service. I have requested a XXXX and Greentree just keeps giving me the run around. This form is needed by another entity to assist with my mortgage payments. Greentree is only capable of calling about the money past due not giving me the form which will allow my mortgage to be paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Wrong name and address on my credit report

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 2016-07-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage started with XXXX XXXX and was sold. They had just completed a loan modification to place my taxes and hazard insurance into to escrow and to remove my ex-wife from the mortgage. The company that took the mortgage over was XXXX XXXX XXXX. They increased my payment dramatically and would not acknowledge the modification I had with XXXX. Within 90 days, they sold the mortgage to Rushmore Loan Management services who also would not acknowledge the loan agreement I had with XXXX. 
I have spent almost two years trying to get Rushmore to honor the loan agreement I had with XXXX when the loan was purchased. They have not only refused to honor even though I have provided them with the modification paperwork, but have not cashed any checks I have sent to them, refused to tell me who owns the note, and have destroyed my credit so that I can not get another loan or mortgage. My credit was pristine until this all began. Rushmore continues to pile up interest and fees but will not acknowledge their error or give me one person to deal with. I have corresponded via emails, writing and numerous phone calls and have been either ignored, or blatantly lied to. One representative told me that he did n't know why I have n't sued them because this is standard procedure for them to exasperate the client until either they pay or get foreclosed. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greentree/Ditek have been loosing paper work not uploading it and saying they can not do HARP mods but can do in house. I am XXXX a XXXX vet XXXX my wife passed two years ago cutting my income in half. They say they are trying to help but there actions show othrreise. They continur to charge late fees and when I pay they apply to late fees generating more fees. I am at 8.75 % and they want to keep me there. I have had an on time payment history for 10 yrs till my wife died I spent down my savings know the would rather foreclose brcause its better fit thrm so put a ,XXXX year old vet in thr strret

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
since XX/XX/2022 my loan company has not taken my payments or booked my modification. I signed a document for my modification and they will not book it with my payments. They have to resolved the issue in the last 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Actually XXXX of the above. Our bills through them are medical. A failed XXXX XXXX at XXXX XXXX that totally XXXX my wife. Patient relations understands this and has told me, " just send what you can, when you can. I have documentation, cancelled checks and bank records showing I am making payments, more than I should but, even after advising them NO MORE CALLS, every day they call, some time several times a day. WE had to finally have a block put on our phone. They had called my work office and even advised my supervisor who they were and why they were calling. Disclosing my debt info to her! They even asked for my we whom they know to be XXXX and is not working. Especially at my place of employment. My supervisor can attest to this as they called several times after being told not too. " I make regular payments to these people and they constantly harass us for more, more, more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
PHOENIX FINANCIAL SERV ( Original Creditor : XXXX XXXX XXXX ), balance is {$320.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account XXXX. {$8500.00} Account # 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 2015-08-07
Company: Harbor Front Acquisitions LLC (Closed)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Hello, Today XXXX XXXX representing Harbor Front Acquisitions, LLC contacted me and also called a relative of mine. XXXX XXXX left threatening messages on both of our voice mails and falsely claimed that he was calling in regards to a file assigned by the state. He also said that I had serious allegations against me. When I called XXXX XXXX back he explained that he was calling on behalf of XXXX XXXX XXXX and stated that they would pursue criminal charges against me if I did not cooperate. I explained to XXXX XXXX that I was unable to discuss this issue over the phone as I was at work and I requested that he send me information in writing. I also explained that I had no way to verify he was who he said he was. XXXX XXXX told me that the next documentation that I would receive would be in the form of a lawsuit. 

I believe XXXX XXXX and Harbor Front Acquisitions, LLC violated the FDCPA in several ways:1 ) They contacted a third party and falsely told them that I have accusations from the state against me2 ) XXXX XXXX knowingly misrepresented himself as a state representative3 ) XXXX XXXX threatened me with a lawsuit and/or criminal charges

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: William D. Meeker Enterprises, Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX Dear XXXX credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature 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 2017-02-13
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has increased my mortgage payment consecutively each year citing escrow shortage. Although my liabilities did not increase this year they have now added an additional {$75.00} to my monthly payment. My current escrow balance has {$770.00} in it. Over the course of this next 12 months my liabilities will total {$4300.00}. They collect {$360.00} each month in escrow. I will pay {$4300.00} over the next 12 months to escrow. Adding that {$4300.00} to my current balance of {$770.00} the total in escrow will equal {$5100.00}. That is way over the cushion they claim to have. This company is constantly trying to overcharge customers in fees and escrow. I would like them held accountable for their bad business practices. I would like my payment to accurately reflect the cushion they claim exists. Their cushion is listed as {$480.00}. If they were calculating correctly using this cushion and my current escrow balance, my monthly escrow charge should be only {$290.00}. Not the {$360.00} they 're currently charging. I 'm currently overpaying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
ECMC has began reporting an account to the credit bureaus without contacting me and verifying the debt first. I have not been contacted by ECMC in any way ( mail, phone, e-mail etc ... ) and given the opportunity to address the alleged debt that has been placed in collections on my credit report. I attempted to contact ECMC via certified mail, with the address provided in the credit report which was listed as being XXXX XXXX, MN XXXX. According the the post office tracking number my certified mail is being " returned to sender '' due to that address being unknown. Since I have n't been successful in contacting ECMC via mail, I am submitting this complaint. Below is essentially the body of the letter I sent to ECMC on XX/XX/2017, which has been returned to sender. 
-- -- -- -- -- -- Dear ECMC, This letter is in regards to item/account being reported to the credit bureau ( s ). I have not received any correspondence from your company attempting to collect a debt. I have not been given the opportunity to address this alleged debt with your company before you began reporting to the credit bureau ( s ). Please cease reporting this item/account ( alleged debt ) to the credit bureaus until the alleged debt can be verified. This is not a refusal to discharge any debt that I may lawfully owe ; In fact, I agree to discharge any debt that I may lawfully owe, once the alleged debt has been verified. What is being requested as validation and verification of the alleged debt is listed below. 
1. Verification of the debt, which includes the actual accounting 2. Verification of your ( ECMC ) claim against me ( XXXX ) ; that is a signed invoice 3. The contract binding both parties ( XXXX and ECMC ) Upon receipt of the above requested items, the proper actions can be negotiated between me ( XXXX ) and your company ( ECMC ) to discharge the debt. Until the debt can be verified, as mentioned previously in this correspondence, please cease reporting this alleged debt to the credit bureau ( s ). Thank you, in advance, for your prompt attention to this matter.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On, XX/XX/XXXX, I discovered a account on my credit report that had two late payments, I was never late on payments on the following account named XXXX, XXXX XX/XX/XXXX, I submitted the Letter to remove lates to the credit bureaus, the late payment under XXXX with the date of XX/XX/XXXX, and XX/XX/XXXX for Transunion and XXXX, needs to be update since I was never late on the account, so I need that information to be update

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 2017-01-13
Company: Meridian Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a timeshare over 10 years ago was paid off and I told them to keep the timeshare I do n't want it no more. I stop paying the maintenance fee each year. Timeshare said I was stuck with them for 30year which I was never advise about this or even sign any documents making me aware about a 30year. Anyway timeshare was paid off and I do n't want it at all. I have never use the timeshare which was a bad investment making me loose over {$10000.00}. Timeshare is with 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 2021-09-07
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I TOLD THEM TO MAKE SURE THAT THEY'RE REPORTING 100 % ACCURATE INFORMATION. HOWEVER, I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. THESE ARE DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX A letter was sent to me in an attempt to collect money to a closed account. 
The account was closed by PayPal on XX/XX/XXXX. 
I do not know of this account PayPal Credit is referring to XXXX. 
The money that PayPal credit is trying to collect is a third party collection. 
Synchrony Bank is the creditor PayPal Credit is the collector PayPal is some how included Since My PayPal Account is closed I have no way of disputing these false charges. 
These Companies also are not licensed in the state of Connecticut as banks or as collection agencies.

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 2017-02-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan that was transferred to a new loan servicer on XXXX. 
The new company is insisting I am late for XXXX and XXXX. I am not late but even if i were, they can not try to collect for months they did not have the loan. 
The Company is Bayview Loan Servicing , LLC . 
XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally provided consumer rights to privacy and confidentiality under 1681. 
Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 u.s.c 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish an account without my written instructions.

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