BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX, PaXXXX Tel:XXXX Email : XXXX XX/XX/XXXX Dear sir madam : My final complaint : The mortgage " document is a fraud because the signature on the document the bank is claiming to be XXXX signature is not that of my Ex-wife, XXXX . Thus, I 'M kindly asking that the CFPB use the services of your good office to probe this concern. For now, I 'm awaiting the bank proving to the court that my Ex-wife lied under oath to the court. The signing is hers '. 
At this juncture, many thanks for the CFPB support to people like myself and those are and have been struggling to remedy financial predatory difficulty against the most powerful e like the entity like the banks and subsidiaries. 
This missive is to acknowledged receipt of the " Company respond, Ditech Financial LLC to the Consumer Financial Protection Bureau ( " CFPB '' ) Case No. XXXX Ditech Financial LLC Account No. XXXX In the last paragraph of their letter, the company wrote : " At this time, the account is currently past due and owing for the XX/XX/XXXX payment and all subsequent payments. If you have any remaining questions regarding any potential loss mitigation option ( s ) or as to the loan account, please contact Ditech at XXXX. '' In hindsight, my concluding complaint thus : The signature on the " Note '' is " fraudulent and predatory ''. In XX/XX/XXXX when XXXX did not provide me " QWR '' that I requested, XXXX counsels reported to the court that " The bank could not provide the Note because the bank was transitioning to an electronic filing system. '' In addition, my ex-wife ( XXXX ) testified in court on XX/XX/XXXX. Under oath she explicated that " The signature on the note is not my signature, I never authorized anyone to sign for on any document/s. '' XXXX added. She concluded with this statement, " Your honor, if my signature is on any mortgage note or bank note is not my signature, '' XXXX reported. 
In sum, I 'm await the " QWR '' I have requested from Ditech to audited. For the note that Ditech and partners have been taking through " XXXX '' for is a federal crime. It is fraudulent and predatory. I need the bank to provide me an authentic verified copy of the bank Note bearing my Ex-wife. 
In the cause of the struggle, XXXX, Account No. 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 2015-09-29
Company: World Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was previoulsy informed by the Department of Homeland Security that my information was invovled in the security breech and that my information needed to be monitored. In late XXXX early XXXX my checking account was compromised and my payment that was sent to Worl Finance was returned. I contacted World Finance and explaned to them the situation and they agreed to allow me to bring my account payments current on or before XXXX XXXX. I set a payment to be payed from my new account on XXXX/XXXX/2015 which was recieved by World Finance. I received a phone call from them stating that they are refusing my payment because I had a report XXXX return payments. When I inquired about return payments he stated that my most recent payment was returned and a payment that was on a previous loan was returned as well. I informed him that I called about the previous payment and the conflict with my old checkking account being frozen due to the information breech which he confirmed was in the notes. He then stated that its a sign in the store that states when loan payments are returned XXXX or more times they are no longer going to accept payments from me. I then argues that my contract does not specify any of this and that I was unaware of any signs in the store. He the stated that he was returning my payment and that no other oayments sent to them form my bank will be accepted. I asked to speak to a manager but was told he would call me on Friday XXXX/XXXX/2015. On XXXX/XXXX/2015 the manager never called. I the contacted World Finance and I was spoken to harshly by a young woman on the phone. When I tried to explain my problem she stated that the polucy which I was calling about was a corporate policy and was not lsited in the contract. She then stated that the manage would then contact me on XXXX/XXXX/2015. As of XXXX/XXXX/2015 no one has contacted me and I have called several times to the store but now XXXX will take my call. XXXX payment made on XXXX/XXXX/2015 has been sent back to me. In addtion I would like to mention that I have had several loans with this company and have had an excellent lending history with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: SYNCHRONY FINANCIAL
State: VA
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:
synchrony bank keep reporting paid non account as minds how XXXX is j c penny 's to keep giving account if I didn't pay the first they report three account, XXXX they agreed it was fraud see attached letter and the other was paid by letter

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 2017-03-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX and XX/XX/XXXX at Chase Bank, someone pretending to be me presented fraudulent checks and asked for the money to be given to them immediately. The checks of course bounced and the bank withdrew the money from my account. The checks were for {$1500.00} and {$1900.00}. None of this seemed suspicious to the bank. They initially denied the claim for reimbursement. They claimed that the information matched what was on file and that the signature matched. I have seen the endorsement of the checks and the signature clearly does not match. I also do not believe they verified the driver 's license number, nor did they ask for the debit card. My wife threatened to sue and they reopened the case. They claim that they have 30 business days to investigate. This sees extremely unfair to me as they gave my money to someone who is not me, expect me to be without the {$3400.00} because of there mistake, and expect me to wait 30 business days for money that I need to pay billls. Also, I am sure that be looking at the security camera footage at the bank it should be easy enough to prove that it was not me that the gave the money to. With the way that the bank has been treating us throughout this process, I have no confidence that they will refund the money. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-05
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I contacted Credit Control Corporation about a recent medical bill that is being handled by insurance. I also called regarding an old erroneous debt that a lender stated that I needed to pay even if the debt is disputed & not valid. After contacting the company, they read notes in the account to show that I contacted them in XXXX regarding this debt which validated what I told the representative which is that this should not be a debt on my credit report because a money order was mailed to pay for this debt even though I am not responsible for this debt. I was advised that this debt ( $ XXXX {$67.00} XXXX XXXX ) would not be reported because it was being disputed, etc. However, months later it was reported & I called back regarding the debt and no supervisor, etc followed up with me to remove the debt as it was stated would be done. Fast forward 4 years, I contacted them to get this resolved because it is still lingering on my credit report, and I have been hung up on, advised no one can assist me there, advised I can not dispute this debt, and advised that it would not be removed even though I was told twice in XXXX it would be & there are notes in this " account '' there to show this. Shortly after a conversation with an employee who stated that she was a supervisor turned negative, a debt from XXXX XXXX popped on my credit report. This was never reported prior to the conversation with this rude individual. In addition, I was never notified on this debt ; I was never advised that this can be disputed, and I have no knowledge of this debt. I became aware of it through a credit monitoring service in which I subscribe. Through the credit report from my credit monitoring service, I saw that the " original creditor '' is XXXX XXXX. I did not authorized the services or treatment of XXXX XXXX during the time it was stated that this debt was delinquent. In XXXX, all my medical appointments were provided through military-affiliated services XXXX This debt all of a sudden reports on my credit report due to retaliation by employee ( s ) at this company who hung up on me as well as stated that she can not help me. This is in violation of my rights, and reporting this invalid, erroneous, and inaccurate date is damaging to me which is what the individual ( s ) who did this was trying to accomplish. I am not responsible for this debt. This debt is not valid, has not be validated, and I have never been made aware of this XXXX debt so I can exercise my rights as an XXXX citizen to dispute it. The timing is impeccable - 2 years after it was stated that it was delinquent. A year in which I never utilized or authorized the services of this group. Please investigate XXXX erroneous medical collections with this company & assist me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I used to have a college checking with chase and a few credit cards. When i closed my college checking that i had opened with them of 5 years. I Left and came back to Chase bank and opened a Total Checking account, I was in good standing with Chase all this time. Then recently my Total Checking account was closed for no reason. I went into the Chase XXXX, TX branch and was advised by the Banker that my accounts are marked as Fraudulent and that no further accounts should be opened at anytime. He showed me the notice posted to my accounts and name within Chase Bank system. This is redicules, I should n't be marked as fraud as i have never committed fraud within chase at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
About 5 months ago I received a call from XXXX credit saying that I owe {$600.00} and they were a debt collector. I told them I do n't know that company and it seems like if I owe money to some creditor I would be getting bills for it and I never have. She wanted my bank info which I refused to give. She said I would be sued if I did n't pay. I asked for their address and told her to send me documents to prove I owe it. And if I see that I did I would send a money order. She said they could n't do that and I would hear from their lawyer. Well I looked up XXXX XXXX and saw a bunch of complaints and saying they are scammers. So I did n't worry about it. Well today I was left a recorded message that said this call is from Eaton Group Attorney 's and this call is from a debt collector for me to call back. Which I did n't yet. Should n't they show me proof that I owe this. I have no recollection of owing money to this company. I 'm not even sure if Eaton Group Attorney is talking about XXXX XXXX. ( For the question " Which of these best describes you issue ''? The answer is just that they threaten to sue me not that it 's an old debt because I have no idea what it is. ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When our mortgage was sold from XXXX to DiTech, they misplaced one of our payments during the transfer. They insisted they did n't have this missing check so we resolved the issue quickly by stopping payment on the lost check and issuing a new one. 

Then they found the missing check and tried to process it, but it was already stopped, so it was returned. This went into their system as a returned check. 

Since then, DiTech has been telling us we are short a payment because of a returned check, but we are not. We are fully paid up with the correct number of payments, which they see and admit every time I talk to them on the phone. They know that they have a system error that is misreporting this as an issue, and I 've been trying to resolve this with them since XX/XX/XXXX over the course of a dozen phone calls that last XXXX minutes each. 

But they can not fix this problem. I 've been assured a number of times that they are correcting it, and then we get a late fee the next month again. I call them, they see the problem, they remove the late fee ... and then the next month I get another late fee because the underlying problem is not resolved. 

I did not choose DiTech to service my account, and I do not seem to have any recourse to get away from them without refinancing my mortgage. They are constantly over-billing me for late fees that I do not owe, and I waste time talking to them every month in a desperate attempt for them to fix their problem. I 'm afraid that they are going to affect my credit rating by reporting me for late payments that I do n't owe.

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 2017-02-13
Company: AMERICAN INTERNET MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Aimloans advertised a mortgage rate with a certain APR. After I filled in an application, they, I saw a DIFFERENT APR /fees. When I inquired, a representative informed me the fees are third party fees??? then what is the point in publishing the APR if it does n't include the TOTAL FEES? 

XXXX 
RE : AimLoan Application - Started But Not Yet Completed CRMXXXX Inbox XXXX XXXX XXXX XXXX XXXX ( 17 minutes ago ) to me Hello XXXX XXXX This is not false advertisement. The information is based on Aimloan and what we charge for our lender fee. The other fees involved are third party fees and are not included in the information quoted on a third party site. While not all lenders subscribe to this way of doing business I can assure you it is a standard practice. I apologize for any confusion. 

Thanks so much XXXX XXXX XXXX Loan Officer - NMLS # XXXX Direct Phone/Fax XXXX XXXXXXXXXXXX My normal office hours are XXXX XXXX M-F " Our mission is to provide the lowest cost, most convenient mortgage in America. '' www.aimloan.com From : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Monday, XXXX XXXX, 2017 XXXX XXXX To : XXXX XXXX Subject : XXXX : AimLoan Application - Started But Not Yet Completed XXXX so this was a false advertisement? please change the ad so it will not mislead others. 

XXXX image XXXX On Mon, XXXX XXXX, 2017 at XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX XXXX wrote : Thats funny, last year I got a rate from XXXX from a lender. When I went through the process, the APR was exactly as advertised. 


XXXX On Mon XXXX XXXX XXXX, 2017 at XXXX XXXX, XXXX XXXX XXXX lt ; XXXXXXXXXXXX XXXX ; wrote : Hi XXXX XXXX XXXX does not take into consideration any third party fees. When you do a rate quote from XXXX you are only seeing the lender/origination fee. When you get the same quote from Aimloan.com you are being quoted lender/origination fee plus title, appraisal, recording, etc. 

XXXX XXXX Loan Officer - NMLS # XXXX Direct Phone/Fax XXXX XXXXXXXXXXXX My normal office hours are XXXX XXXX M-F " Our mission is to provide the lowest cost, most convenient mortgage in America. '' www.aimloan.com From : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Monday, XXXX XXXX, 2017 XXXX XXXX To : XXXX XXXX Subject : Re : AimLoan Application - Started But Not Yet Completed CRMXXXX Hi XXXX XXXX I am traveling this week but been meaning to talk to you. I found some really good rates on XXXX that leads back to your company. But when I was on aimloan, I notice the rates changed and the APR was ALOT higher. There was a package mentioned on XXXX that says total cost was something like $ XXXX. But then when the information on your site suggests something like $ XXXX. 

I was looking re-finance a property with the least amount of cost available. 


thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
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:
I have tried submitting various complaints to  XXXX ,  XXXX , and Experian with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.

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 2017-01-12
Company: Blackrock Mitigation Group LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
At approximately XXXX on XXXX XXXX i received a phone call from # XXXX. They asked for my son and I explained that he was not here. they said since I was his mother they could talk to me but I had to call a different number. The second number is XXXX. The woman on the other end XXXX told me that my son was going to be served papers to go to court due to non payment of a card with a department store. I was very nervous about this since my son is XXXX and could never go to court for something like this. I was trying to figure out how to avoid this happening. The woman on the phone told me that the company was BlackRock Mitigation and so while on the phone I used my ipad to check this out and found out it was a scam. I was directed to call FTC immediately which I did and was told to go online and fill out the complaint. they wanted my bank card number and were going to take the money from my account to pay this debt. I ended the call. I then received it again and I was told be ready to go to court. It was not even for me. The call then came through again twice more.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Convergent Outsourcing has received a signed notorized Police Report and still continue to report Fraudulent information on my credit. This has to stop, this company ca n't continue to ruin peoples lives. I ca n't get financed for anything because of this, I pay ALL my bills on time. I work to hard to not be able to reap the rewards I value my credit.

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 2022-04-19
Company: EQUIFAX, INC.
State: LA
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:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$480.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$6500.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I believe that XXXX is improperly report my credit score inaccurately. I believe the information provided to them about my inquires has damaged my rating being that my history is fairly new. Other bureaus are reporting higher than scores.

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 2017-02-13
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a company listing I owe on a medical debt which I do not. I have XXXX insurance policy 's that cover 100 % this information is inaccurate and false. Please help as I have been trying to fight this

Company response to consumer: Closed