BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-21
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Professional Credit Management of XXXX, AR ( PCM ) intentionally and illegally reported and continues to report false information to Equifax. I had a procedure in XXXX of XXXX. They originally reported the date of first delinquency as XXXX of XXXX, three months prior to the date of service. Pursuant to the Fair Credit Reporting Act ( FCRA ) they must report accurate to the credit bureaus. I have their manager, XXXX XXXX, on a recorded call stating that they do indeed report false information so the information will come off sooner. Reporting false information is still illegal. Since then, PCM has reported the debt as unpaid when it has been paid and now they 've changed it again. In the last 2 months PCM has reported several different false reports, defamed my character, and jeopardized my ability to get sound interest rates. PCM should be shut down immediately and required to cease operations. I am also asking the CFPB to do a full audit of PCM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reviewed a current copy of credit report and I show incomplete or inaccuarte information that was not verified with acocunt holder XXXX XXXX XXXX ( auto ) account number XXXX. Per FRCA and FDCPA I have be violated due to the reinsertion act and I am request that this account be delete due to viloation. I has not contacted nor I have not received and writing certified commucation from XXXX XXXX per law. Please delete due to unverifable means and viloation of reinsertation. Also, This has been placed under FTC fraud reporting and sent certifed mail to Transunion for removal.

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 2016-06-10
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made an additional Prinicipal Payment to my loan in the amount of {$1400.00} on XXXX/XXXX/XXXX. The payment credited to the account on XXXX/XXXX/XXXX ( {$970.00} to principal, {$93.00} to interest, {$170.00} to late fees and {$190.00} to escrow ). The payment I sent along with a detailed itemized statement was to be applied as follows ; {$950.00} to additional principal, {$470.00} to late fees and {$15.00} to ISF fee. XXXX/XXXX/XXXX I called in and spoke with CSR who advised she would open a ticket to have the correction made. I was advised the correction would take 7- days. On XXXX/XXXX/XXXX the correction to my account had not been processed/updated so I called back and asked for a supervisor. I got XXXX who apologized for the issue however advised he would ensure the correction was made. He also advised he would credit my past due amount $ XXXX. I confirmed the amounts which should have been credited and he reassured me he would call me back with the next three - five days to confirm the adjustments to the account. I did not hear back from XXXX. XXXX/XXXX/XXXX I called back, asked for XXXX who was not available. The CSR transferred me to XXXX ( TX Callcenter ). It is my interaction with XXXX which is prompting my complaint. After being on the call for 15 minutes and 43 seconds with XXXX asking me the same question over an over again " do you want payment applied to XXXX or not XXXX that is all I am asking you " and me replying with " no, I have advised you this 3 time already '', she went on to advise me that she did n't need me to " break anything down '' for her as she was clearly able to see what should be corrected and told me to hold while she made the correction. XXXX indeed did not put me on hold simply muted her headset line, I XXXX and know the difference, and released the call without confirming or calling back to me as the customer to reassure me that the issue after ( 3 ) failed attempts would be resolved. 

It is currently XXXX My call with XXXX was released adversely by her at 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 2015-09-27
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Greentree last XXXX after 2 months with them I was told I had a {$1700.00} escrow shortage 2 months after that they told me my payment would be increased again because now I had a {$1500.00} shortage last month I get another escrow analysis and now they want another {$2000.00} so in XXXX and a half years I owe them over {$5000.00} in escrow shortage my property taxes are {$4600.00} .Nobody in thier so called customer service seem to know anything I do n't know what they are doing with my escrow payments but something is n't right this place is a nightmare.I see ditech has taken but the damage is done and I dought they are going to be any better since that are really the same company. I do n't know where to go to get help with this and get honest answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
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:
this account was started as a result of identity theft i have file police report and ftc id theft affidavit notarized outlining this specific account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been sick with XXXX XXXX for 2 aND 1/2 years. I was forced to leave my job ( I was terminated when I applied for another leave ... ). I needed more XXXX. 
My mortgage is serviced by Ditech Financial and I am being harassed and threatened by the account rep working on my account. 
" XXXX XXXX '' aka XXXX is that account rep. 
She calls everyday and tells me that I am refusing to talk to them. In the same conversation she will ask the same questions. " But you wo n't tell us what your intentions are. '' I called customer service, explained the situation and requested a new account rep. I was told that, " i'Ve never seen that happen since I 've been here. '' No change was made and I continue to be subjected to these rude and abusive collection techniques. I am waiting for Soc Security XXXX and a XXXX XXXX payment which will be monthly, but XXXX tells me that " I just need to graciously exit the house because I ca n't pay for it. '' I am behind in my payments - I was unable to make my XX/XX/XXXX and XX/XX/XXXX payment and I am less than 60 days late. 
When i'Ve spoken to XXXX , she says that I refuse to give them information ( as I answer their questions ). I refuse to take her calls - she called today and left a message, " XXXX XXXX - we have n't heard anything from you ... '' I'Ve been in this house for 13 years. I never paid late. I have a serious illness - I am not a dead beat. 
There are so many complaints i 'm reading about this company and XXXX talks to me as if I deserve to be treated like a XXXX. I do n't! I need help - now. I 'm asking to be treated according to the boundaries set up as acceptable collection practices. Please!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: DISCOVER BANK
State: IN
Product: Credit card
Issue: Other

Complaint:
I am starting to be harassed by phone for credit card collection. I want Discover to cease and desist contacting me by phone for collection on my Discover credit card account. I have other credit card companies that have used harassment by phone for this reason and reported them and the credit card companies quit calling me. Please contact them and let them know that this type of harassment is illegal. 
Contact information : Discover Card information : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX IN XXXX SS # ***********

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Several years ago my XXXX mortgage was transferred to Green Tree for servicing. I immediately called Green Tree to set up on-line payment of my monthly bill. Well, I was rudely informed that Green Tree does not accept on-line payments. The customer service person, referred me to a phone line that handles complaints about Green Tree. Can you imagine the number of complaints Green Tree receives, if they have a separate department that handle these matters for the company. 

This morning I received my SS payment on-line and immediately went on-line to pay XXXX Mortgage, XXXX XXXX Bank, XXXX XXXX, and XXXX Card. And I will mail my payment to Green Tree, because on-line payments do n't work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree financing has had an equity line of credit on my property in Ohio. In XXXX XXXX, they bought the primary mortgage from XXXX. Green Tree doubled the payment on the equity loan in XXXX XXXX. I filed for loan modifications on both loans, the equity interest rate was dropped, but the primary loan was offered to extend back out to a 30 year mortgage at 6.875 %. I did not take this and asked for the amount to bring the mortgage current. I did a pay by phone payment on XXXX XXXX XXXX for {$4600.00}. This was to bring the mortgage current through XXXX XXXX. 

Green Tree did not credit the amounts to the account. I have made several calls to clear up the matter, but am being told that they have no record of a {$4600.00} amount. I was told I did n't send in a XXXX payment, but when I produced a receipt, they asked for a couple of weeks to clear their records. Green Tree also said I would continue to accumulate late fees and I should be fine to pay them. 

I did get letters dated XXXX stating that both loans were in good standing and were current. Today I received a loan modification packet stating I am 30 days past due. 

During one of the conversations, XXXX from Green Tree said " I needed to understand that her investors did n't care about the equity loan and just wanted to foreclose on the property because they could make money ''. 

I would refinance to get away from Green Tree, but the value of the home is still less than the combined mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My home that I live in in XXXX, XXXX at present recently sold, it is closing on XXXX XXXX, XXXX. Originally XXXX was the XXXX lien holder who sold note to XXXX XXXX XXXX then Green Tree Servicing then currently Ditech is the servicing company. There is also a XXXX mortgage on this home that is serviced through XXXX whom is reporting in good standing and was originally serviced by XXXX then XXXX XXXX XXXX. XXXX is not showing any bankruptcy what so ever. I am working with my lender on a new home in XXXX, XXXX which is to close around XXXX XXXX. 
XX/XX/XXXX I was discharged from bankruptcy court filing chapter XXXX but kept my home that I 'm selling and a rental property in XXXX which is serviced through XXXX XXXX, always has been. For some reason none of the properties were reaffirmed and of course it is to late because banks wo n't let this happen after discharge. I have every intention of following through with my loan obligations. While working on a new loan with my lender for the purchase of the XXXX home we have discovered that Ditech is not reporting my good standing to credit bureau. This is affecting me in regards to getting the best possible scenario in a loan. I 'm in desperate need of your help in talking to Ditech by XX/XX/XXXX as that loan is getting ready to be paid off. It would be beneficial for them to report on my behalf. My attorney that did my BK called XXXX XXXX ( XXXX property ) XX/XX/XXXX to help me to get them to report to credit bureau because of same scenario. They are now reporting me in good standing to credit bureau. I Have worked hard to regain my credit and good standing. If you can help in any manner it would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with XXXX and ECMC because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, ECMC, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer XXXX. I 've never had any way of knowing that XXXX now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH ECMC, who I had been paying faithfully. Finally, ECMC lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX  and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2016-03-11
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For several years, my mortgage was held by Greentree Servicing LLC. When they first acquired my loan from XXXX XXXX XXXX, Greentree informed me that the only way I could pay was by either automatic withdrawal or through XXXX, for which there was a {$12.00} fee per transaction. Not wanting to give them my bank information, I chose XXXX for all of my payments and was charged {$12.00} for each such payment. It is my understanding that as part of Greentree 's 2015 settlement, they were forced to pay restitution to customers who were unlawfully required to incur the XXXX fees. I am therefore writing to see if I may be eligible for that restitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My family and I live in insecurity, which apart from our economic situation we have been facing since 2007 by the economic crisis that I hit us, we have used various means such as law offices, offices that meet mortgage problems, deal directly with the XXXX XXXX XXXX and it 's all the same bank fraud treatment calcularnos As we won without being certain to reach a payment at your convenience, we have been going from bank to bank and are today with green tree, my house cost 400K and today day no 260K worth more, the last lawyer who seek told us that there was a mortgage fraud because there existed the original mortgage note among other irregularities at the time of sale, but wanted 15,000 dollars to help eight years later I have not solved anything and if XXXX XXXX intentions on the part of banks and could have been a solution to this problem. Our little XXXX does not allow us to clearly understand the process and we are afraid to take any decision. May XXXX have mercy on our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 'm XXXX XXXX XXXX, and the principal on my student loan has doubled the amount I borrowed nearly 25 years ago ( $ XXXX for both XXXX and XXXX ). I 've been paying monthly on-and-off ( between deferments ) for about 16 years, amounts between $ XXXX $ XXXX. I 'll restate : I 've been paying my student loan for 16 years, and none of my payments have gone to the principal of the loan, which, if applied correctly, would have been paid off by now. ( I 've calculated I 've paid nearly $ 40K over the span of 16 years ). 

I had federal loans originally. Then I consolidated with XXXX XXXX. XXXX XXXX gouged me with capital interest, then, when they were having legal troubles, cleverly split their company off to the company I now deal with : Navient. 

For someone like me : XXXX XXXX XXXX, been out of college for 20 years, consistently paid what I could throughout the years, there is no hope of help for me. I have literally just given {$40000.00} of my money away. None of my payments have gone to paying my loan. And I am in more debt than when I started college. I believe when XXXX XXXX approached me when I was XXXX XXXX XXXX, I was the victim of predatory lending practices. All I wanted to do was go to school so I could better myself and get a good job. Now I 'm {$100000.00} in debt. I ca n't even buy a home and it has affected my credit. I net $ XXXX a year. I need to CFPB to help me finally resolve this issue -- call it even. I 've paid them {$40000.00} and there is no end in sight. At this rate, I 'll be XXXX XXXX XXXX and still paying on my student loan!!!! There must be a point when loans are waived -- beyond public forgiveness. Is n't there a XXXX threshold? HELP. I 'm drowning in student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: American First Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American First Finance has attempted to contact me numerous times everyday for the past month, to the point where it has upgraded to complete harassment on their part. They have refunded money to my accounts, only to debit it back out in order to keep their collection tactics active and continue to harass. The amount being collected on has been contested by myself and my financial institution and several stop pays have been initiated, costing me even more money from my bank, XXXX. It has been a true terror dealing with this company and I really hope this report is a warning to other on doing business with American First Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent all documents to Experian ( XXXX, letter from XXXX, etc ) on XXXX different occasions. They have failed to correct the balance to XXXX. 
This has been corrected and cleared from my husband 's account due to consumer finance efforts his case number is XXXX. And for this we thank you. Now, your help in this matter is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief