BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As a Home Owner Citizen of the United States, I am angered and dismayed by Ditech/XXXX use of Federal Law to claim cushions as a safeguard and projections as excuse to add charges to borrowers ' accounts ( contrived by people that have no stake in the home ). Charging additional money and not processing payments ( holding payments in unapplied funds UAF ) result in additional and unfair charges/fees, bad credit reporting, threats of and real foreclosures. These practices are predatory tactics of an unscrupulous and greedy mortgage industry that has total power and control. It is laughable ( if it was n't so sad ) that the powerful mortgage industry claims need for safeguards/protections against the lowly individual. I vehemently dispute the calculation of additional cushions/projections ( fake charges ) that put consumers into a foreclosure status ( piling fees, upon fees, upon interest, upon fees ... ) .These additional charges are CONTRIVED ( trumped up charges, not true debt ) no matter what legalese/label used, i.e., cushion, projection, fees, whatever. Ditech/XXXX claims of borrowers being payments behind because of their calculations, holding funds UAF, and practice of sending contradicting letters claiming various amounts owed provides evidence of a mortgage industry gone awry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had entered into a loan modification with XXXX XXXX XXXX at the beginning of XX/XX/XXXX. By the time all the paperwork had been completed, PennyMac had purchased my mortgage and had began servicing the loan. The completed modification documents were submitted to PennyMac, after all the trial payments had been made, by XX/XX/XXXX according to the PennyMac records. There was no mention made of any missing documents or any problems with the paperwork. Shortly afterwards, I began receiving billing statements from PennyMac showing that I owed over {$2000.00}. I then called only to be told that the modification was still being processed and to ignore the statement. I began to regularly communicate with PennyMac loan services to which I was told repeatedly that the modification was being processed and to " give it another 30 days ''. When tax season came around, the XXXX showed that I had only paid approximately {$2000.00} in property taxes and insurance premiums on the loan. After finally contacting someone other than a CSR, I was told that a document was missing from the modification which was delaying the entire process, my credit would be repaired and that a Senior Vice President was working on correcting my XXXX form. I was only six days ago that I received a phone call from a PennyMac CSR whom informed me that PennyMac was issuing a Notice of Intent to Foreclose on the property when I had made all my payments, fulfilled the stipulations of the Loan modification and followed the advice from the PennyMac employees. AT this point, PennyMac has reported that I am approximately 16 months behind on my mortgage payments. 
After doing some research, I discovered that this particular chain of events was anything but " happenstance '' as PennyMac has a history of following this pattern of action usually resulting in several of their clients having to file bankruptcy in order to distance themselves from PennyMac, XXXX XXXX XXXX, and XXXX. This is a clear violation of XXXX XXXX by practicing willful negligence by " losing '' loan modification paperwork while damaging consumers credit rating and proceeding with foreclosure proceedings against numerous consumers who are NOT a foreclosure risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midwest Recovery Systems recently added themselves to my credit report as a collection agency. No info was added about the original debtor. After several attempts to contact the company, I finally spoke with XXXX XXXX whom advised he is a manager. He informed me that the debt is for a payday loan from 2012, which was received from a company named XXXX XXXX. He then advised that the debt was bought by his client, being XXXX XXXX XXXX XXXX. I worked with Maryland 's Dept of Labor, Licensing, and Regulation, whom informed me that payday loans are illegal in MD. They also instructed me not to pay the loan and informed me that they would be seeking legal recourse against the many lenders that are illegally lending to MD residents. I thought this nightmare was over, but now this company is hurting my ability to purchase a home and move forward with other plans for my family as this blemish is bringing my credit score down. I am requesting assistance in removing this issue and learning how to make sure this issue does n't happen again, in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HUD statement and Deposits into Escrow seem to match and accurately estimate/account for all required disbursements. Lender however is explaining that the disbursements on the account put escrow in negative balance of over {$5000.00}. No mathematical model I have been able to devise gets myself, the title company, or the loan originator to the same figures Penny Mac is billing me for. The HUD statement accounts for disbursal expenses and the only increases in insurances not on the HUD Total roughly {$540.00}. If paid XXXX months up-front, the HUD total accumulated amount covers expenses less the increase in insurances how could the balance possibly go into the negative past the amount of insurances increase? I believe I am being billed XXXX for XX/XX/XXXX MUD taxes that were collected since loan origination, although clearly included in the HUD the MUD tax was not paid in XX/XX/XXXX but in XX/XX/XXXX. I have repeatedly asked representatives to share the mathematics that equate to the negative balance and they can not and have blamed increases in insurances and taxes that do not exist. I have worked with all parties involved to attempt to resolve and after working with the title company and agent who wrote up the loan originally was instructed to submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Debt Management Incorporated
State: MA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I owe a past debt and it was forwarded to Capital Recovery Systems, XXXX in XXXX, MA. I called the company the other day and first thought it was curious I got the personal voice message of a woman named " XXXX '' who said she is from " DMI '' and " XXXX ''. I asked for a call back which I did receive and asked for update from the gentleman on the repayment amount and to inform I would be paying via personal check. The rep on the phone asked for my debit or credit card number and advised they do n't handle " paper '' transactions any longer. I advised I did not want to recite my credit or debit card numbers during an unsecured process and transaction but he insisted. I again insisted I would mail a check but he said they would not accept it. I needed time to think about all this so said I would call back when I was in fact ready to set up payment but I am in fact NOT ready and I am glad I waited and gave this some thought. No one should be coerced or forced into reciting their debit or credit card numbers over the phone to an officially unidentified company. Also, this company has never indicated anywhere in writing that they will not accept paper checks. So in my mind they can not enforce this. Also, on the internet there is notation that the company is permanently closed. I have no idea what is going on with this but I need to make payment but now can not and I refuse to under these circumstances. This company, XXXX needs to be investigated. The phone numbers associated are : XXXX XXXX XXXX XXXX and 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: Brennan & Clark, Ltd., LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been receiving numerous threatening phone calls and messages from this collection agency Brenman & Clark and when I finally decided to talk to them, the person disclosed personal information about me that I was very uncomfortable with. For a moment I thought it was a scammer. This person was extremely rude, threatening and continues to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22
Company: World Acceptance Corporation
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I hired a Credit Repair agency XXXX Law Firm to have World Acceptance Company verify an item listed on my account, I tried to request the same items twice and was rejected. XXXX XXXX the XXXX of XXXX XXXX sent out XXXX letters denying my request. I have sent pay to delet offers and received no response. This debt collector is in clear violation of Fair Debt Collection Practices Act Section 809 Validation of debts 15 USC 1692g.XXXX XXXX deemed my request enacted by the F.D.C.P.A as " Frivolous '' as it is my fiar right as an American citizen of the United States of America to request account validation without roadblocks halting my consumer request. I am requesting that this company supply me with all documents requested without prejudice or hesitation as I have given my full name, address and contact information several times as listed in several documents sent out to World Acceptance Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: ACS Education Services
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX, 2015, I called ACS, one of my private loan providers, ( note, this is not the original lender and it has been changed during the length of the loan a number of times without my consent ), to ask about options to help me while I am unemployed and without income. At this time, I received a letter which offered " the ML ( MGRS Plan ) where for 6 months your monthly payment on the private loans are reduced at XXXX % of level ( fixed ) installment followed by 6 months the monthly payment is at XXXX % of level installment followed by 12 months of interest only payments followed by level repayment for remaining term of the loans ( You must have at least 36 months of term remaining and a principal balance outstanding of {$10000.00} or more ). The request for this option is done verbally. " When I called to accept this offer on XXXX XXXX, 2015, I was told that this offer was not available to me because I had taken advantage of this in the past, time unknown, but that it was noted on my account and only available once during the loan term. Therefore, the offer was no longer valid. I asked about other options and was informed about forbearance, but this would require me to have a 1 % interest rate increase ( to an already variable interest rate ) for the 12 mos payments following the forbearance. Other than this, no options were available to help me. 
The man I spoke with was in XXXX and could not connect me to a supervisor, but he would have a supervisor call me within 48-72 hours, as is standard response time. 
I have XXXX accounts with ACS, have asked for a consolidation, and always have been denied the opportunity. I have asked for lower interest rates and have also been denied. The term of the loan is unclear and when I ask, am unable to get a clear answer. 
Between the XXXX accounts, the original loan amount was {$26000.00}. As of XXXX 2015, I have paid a total of {$11000.00} in interest and {$9300.00} in principal. I also have another private loan and government loan and in total pay $ XXXX/mo for student loans. I have never missed a payment. 
I am a XXXX, who has worked at XXXX until recently. I have tried to work with banks, Dept of Education, and other repayment companies to identify options, and feel no one is able to help me honestly understand the benefits and burdens of options nor the ramifications of decisions. I feel powerless despite my efforts, education, and patience. Is there anyone who can help? Thank you! I ca n't and wo n't pay these companies forever without some flexibility on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Midwest Recovery Systems
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection account showed up on my credit reports for Midwest Recovery Systems. They 're phone number is listed as XXXX. They 're address is listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. They show original creditor as XXXX XXXX. 1. I have not ever received debt verification or any correspondence from the collection agency. They say the account was placed in their office XX/XX/XXXX for debt dated XX/XX/XXXX, yet they have never contacted me. 2. I have never done business with CP Investors. I have not ever been contacted by them for any debt. 
I believe XXXX XXXX to be a scam and Midwest Recovery also. They failed to notify my of any account in their office within 30 days and reported a, fraudulent account to the credit bureaus. I would like the account removed immediately and Midwest Recovery held accountable for failure to comply with the law. What they are doing appears to be fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: UBS BANK USA
State: LA
Product: Credit card
Issue: Arbitration

Complaint:
On XXXX XXXX, XXXX, I rented a car for use in XXXX, XXXX, from XXXX via my XXXX membership. I declined insurance with the belief that my visa card covered any accident liability. Unfortunately, I found out when I filed an insurance claim that visa does not cover car rental damage in XXXX, along with XXXX other countries. 

If I would have known about this, I would have have purchased car insurance. I am an informed consumer, and I do not bet. I would never drive a car without insurance, in fact, it is probably illegal, and XXXX should have not rented me a car without insurance. 

I feel that this exclusion information was not easy to come by. On a search of visa 's policy on this, I found this at https : //usa.visa.comXXXX # XXXX " Effective XXXX/XXXX/XXXX. Please note : This benefit is available on all XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Rewards cards. 
Protect against collision and theft. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Rewards cardholders receive Auto Rental Collision Damage Waiver coverage for damage due to collision or theft. 
Benefit at a glance Collision and theft coverage on auto rentals. 
To activate coverage, complete the entire rental transaction with your eligible XXXX card and decline the collision damage waiver ( CDW ) coverage if offered by the rental company. 
The Auto Rental Collision Damage Waiver ( " Auto Rental CDW '' ) benefit offers insurance coverage for automobile rentals made with your Visa card. The benefit provides reimbursement ( subject to the terms and conditions in this guide ) for damage due to collision or theft up to the actual cash value of most rental vehicles. '' Nowhere does it say that there are exceptions to this coverage. 

And specifically, I found this on the webpage of my personal XXXX card issuer : http : //financialservicesinc.ubs.comXXXX/UBSVisaXXXX.html http : //financialservicesinc.ubs.comXXXX " Auto rental loss/damage coverage Up to {$50000.00} " Nowhere was it noted that it did n't apply to cars rented in XXXX until I got to this website : XXXX : XXXX " This benefit is available in the United States and most foreign countries XXXX However, no benefit is provided for motor vehicles rented in XXXX, XXXX, the XXXX XXXX XXXX, or XXXX XXXX. '' I have sent my complaint to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UBS Bank XXXX - Disputes XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Car Rental dates : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: VALLEY NATIONAL BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance with this bank based on Radio commercials calling for a XXXX refinance. The issue I have was that theyrequire you to fill out a mortgage application and require you to pull your credit, PRIOR to requiring you to pay the nonrefundable XXXX fee. I contacted XXXX XXXX who put me in touch with her Manager XXXX XXXX XXXX XXXX regarding themain issue is the fact that they require you to pull your credit prior to disclosing the fee. I would have never have givenpermission to pull my credit if I had know the fee was non refundable and up front. Credit Inquiries affect credit worthiness andcould affect me being able to get a mortgage at a competitor. I asked him to write a letter to send to the credit bureaus to removethis inquiry he refused. He also refused to do anything in regards to either making the fee payable once the loan is all approved orroll it into the closing cost. This structure almost forces a customers hand to go with them since they have already dinged creditand forced them to pay the XXXX. I have an issue with the fact that they were just no helpful and they just chalked it up to this howour system works. They should have to disclose the fee prior to filling out the application NOT the very last screen since theyhave already pulled credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX XXXX in assets.

Company response to consumer: Closed
Consumer complaint received 2021-04-27
Company: ZIONS BANCORPORATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XXXX I began the process of refinancing my mortgage. The old mortgage company, Zions Bank, confirmed that they received funds and marked the loan as paid in full on XX/XX/XXXX. The old mortgage had a positive escrow balance in excess of {$8500.00} that needs to be returned. As of today, XX/XX/XXXX, I still have not received the refund for the funds held in escrow. After speaking to the mortgage company onXX/XX/, 30 days after they were fully paid off, I was told by them that they prepare a check for the refund at 20 days after the loan is paid off. They said that they need 16 days for the check to be received by me. They have not told me how much the refund is only that they mailed it on XX/XX/XXXX. After I mentioned the CFR regulation that I believe applied in this instance and which they did not appear to be compliant with, I asked them to escalate the matter and to put me in touch with their legal department to inquire why the refund had not yet been provided. They had a customer service person contact me onXX/XX/21instead of someone who could address my specific inquiry but he said that refunds were not his department and he would have to ask that the matter be escalated and would get back to me soon. 


From what I can tell by reviewing information on your site, 12 CFR 1024.34 mandates that the refund should have been returned within 20 days. It was not. I contacted the bank and asked them to speed up the process or deliver the funds by directly depositing them into the account that they required me to set up at the bank to allow for automatic payment. They say they are unable to transfer the money and can not wire it either. It appears as though the bank is trying to use my money as long as possible before returning it. Even the notion that I should expect 16 days from the time they mail a check until I receive it is preposterous. The bank does not give me the option to make my mortgage payment 16 days after its due date to account for mailing time and it should not be afforded that additional time either.

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 2017-03-28
Company: RSI Enterprises, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
RSI Enterprises contacted me to collect upon a debt that is ; a. invalid b. not within their rights to collect on upon asking RSI for verification via U.S. certified mail, I received a response that does not fit the burden of proof for such a debt. RSI at this time has continued their collection efforts on this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: SQUARETWO FINANCIAL CORPORATION
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 is not mine

Complaint:
I continue to get debt collection notices from CACH , LLC ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that CACH , LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation