BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: MIDFIRST BANK
State: ND
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently a Successor of interest on my FHA loan. I have been trying to make a payment or work out payment arrangements since XXXX. At first they refused to acknowledge my divorce documents. Then when COVID started and forcloser proceedings were stopped. I entered into COVID protection for XXXX  months. Two months prior to my forbearance being up I reached out to my servicer to work out a modification. I even filled out assumption paperwork per their request My servicer insisted that my x husband sign a quick claim deed ; he will not that is why the judge did it for him during the divorce.

A default judgement was entered against my x husband and myself - I couldn't obtain legal counsel to fight the forcloser. Once I did he just seemed to hold my hand through the process. 
Doing nothing to actually fight for me. The bank proceeded with the forcloser but did have me fill out yet another modification forum for the third time- they made an offer in just a few days and said they needed XXXX  days to do a title search, weeks later they took it off the table saying it never happened. My attorney did not get it in writing nor did I. We had no proof of the offer so they told me it didn't exist. I dreamt it up!!! 
I applied for XXXX  XXXX and my servicer REFUSES to talk to my state agency. I informed Midland Mortgage in XX/XX/XXXX and again on XX/XX/XXXX that I applied for XXXX but they refuse to acknowledge.. 
I received a letter from the state of ND dated XX/XX/XXXX and the Midland Mortgage has yet to contact them. Regarding my XXXX application. 

Please help me!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech was negligible in providing me information. They overcharged me. Now, they are trying to steal my home!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
World Finance called me about four times in less than five minutes on or about XXXX XXXX, 2015 around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my property in 2007 for {$330000.00}. Last year I had the property appraised at {$360000.00}. I have paid down my mortgage and now have a balance of approximately {$200000.00}. I have submitted at least six requests to my lender to cancel the PMI and they continue to indicate I have not paid down my mortgage to the required XXXX % LTV ratio. I need assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have rental property which was late on payments as tenants had not paid rent for seberal months. I did make the Payment after the monthly statement had been generated and was sent to me. The company sent someone to the property, which I understand is normal. But the investigator began talking to a neighbor leaving the impression that the house was being foreclosed upon.The company has my phone number and my home address for contact information and knew how to reach me, yet they did n't. There was no need for them to collect any information from the neighbor or tell them who they were or why they were there. Also any information shared was incorrect. Is n't that illegal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There are multiple debts form XXXX collection agency listed on my credit report. Experian is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Experian, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from XXXX they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2015-08-26
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX my mortgage was sold from XXXX to Green Tree Servicing. In XXXX, my homeowners insurance was cancelled because GreenTree made the payment late. " It crossed in the mail. '' In XXXX, I received a check for escrow overage. On XXXX XXXX, I received a notice of delinquent taxes from my county treasurer. I called the County Treasurer on XXXX XXXX, they indicated to me that the XXXX tax payment had not been made and the XXXX tax payment was applied to the delinquent XXXX payment. I called Green Tree Tax department immediately after I hung up with the County. The Tax Department had me fax over the delinquency notice and they would " research '' the case, which would take 2 weeks and they would get back to me. To date, I have yet to hear from Green Tree. Furthermore, when I asked what to do with the escrow overage check, the Tax Dept. told me that it was n't their dept. and I would have to contact customer service. Customer Service advised me to return the escrow check to be credited back to my account. To date, I do n't know if this money has been credited back to my escrow account ; I asked for an email or a phone call to confirm this. Finally, my escrow overage is {$400.00} less than my delinquent tax bill. I have written a letter to Green Tree outlining my dissatisfaction with this situation, their customer service and what I would consider resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. Ditech, Financial has repeatedly charged fees that are unexplained fees without adequate explanation. They refuse to speak with me regarding this matter. I am executrix of an estate and have tried to continue the mortgage payments as instructed until the Probate process is done. Letters of Testamentary and other info as requested has been forwarded to Ditech, but they constantly say they do not have the information. However, they accept my checks. Letters from them are confusing and contradictory. Their actions are unsavory and they refuse to cooperate effectively. 2. I am requesting that the account is reconciled to reflect accurate charges immediately. 3. I have several correspondence from Ditech that states late fees, delinquences, content that states changes/adjustments. However, this information is not definitive and change with the next correspondence. 4. Ditech does not adequately sevice this loan. 5. This company shows all indications that their means of operation is illegal. One can not make demands or threats, if they have not adequatly explained what the customer needs. This company is the same as Green Tree that was sued. Ditech should not be allowed to operate period. All monies need to be returned or at least waived until the account is fully corrected and correctly operated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Ditech Financial LLC
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan from Ditech. Whenever I pay extra above the billed amount it is not applied to the principal. Last month I sent a {$25.00} payment in the middle of the billing cycle marked " all to principal '' it was all applied to interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We put our house on the market XXXX XXXX 2014 for $ XXXX within a week we were told greentree wanted $ XXXX. we signed all the paperwork. we submitted everything as it was given to us within XXXX hours.We received a letter dated XXXX XXXX stating " you can not be involved in an account modification and a short sale where an offer has been submitted, accepted, accepted, approved and is pending closing, or a deed- in - lieu where the deed has been executed and the related documents are being finalised '' greentree repeated thisXXXX times in the letter. I think a reasonable person has an expectation of a closing being imminent. The closing was set by our lawyer for XXXX XXXX. XXXX kept asking information which had been submitted. They never asked for an appraisal until XX/XX/XXXX. They did not allow a closing until XXXX XXXX. I believe they do not act professionally or with the custom in mind. I truly believe they just did not care about performing their duties in a professional and prompt manner. I had a contact person but when I kept calling they transferred me to a line that was an answering machine. no one ever returned my calls. 
I expected my credit to drop, but what is hurting me now is that they are showing late payments, which if they did there job promply and professionally we would have closed by XXXX XXXX 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have the same bill reported XXXX times on my report. 
Act # XXXX & XXXX are duplicates. 
Med XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX-XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: NC
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:
My name XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-11-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My spouse filed for chapter XXXX approx 2010. Our attorney advised that we could have our home equity line of credit 'stripped ' because the house was appraised at less than what we owed. The chapter XXXX was approved and we were assigned a trustee to which we sent money to each month for a period of time. Then, our attorney called advising that we could have the bankruptcy converted to a chapter XXXX where which we would no longer have to pay the trustee. We paid the attorney the additional fees and the chapter XXXX was approved. Now, my spouse is attempting to refinance her home and we are advised that Greentree financial, the heloc company has a lien on the property. 
I can go on and on about how greed is destroying America. But for crying out loud, we were led to believe that we followed the letter of the law. Now I ca n't do n't hear from our attorney and the window of opportunity is closing to qualify for a lower interest rate. 
My spouse has been working for the same company for fifteen years. Now. She barely makes above {$30000.00}. The company has layoffs very very often and each time it scares the wits out of her. She is a hard working individual as is evident by the fact that she has never been laid off but she works in manual labor and she is getting old to the point where she may not be able to keep up the pace for very much longer. And she 's aware of that and she 's just trying to lower her interest rate from 5.5 % to a XXXX. Not very much, but its something! And now she 's being trounced on by this lender when the rule clearly states ' In addition, if your house is worth less than your first mortgage, you can petition a bankruptcy court to declare the HELOC loan as " unsecured, '' which would effectively cancel the loan as well as the lien. ' Do we have to be rich, or in the 1 % to have this rule affect us? I 'm a XXXX veteran and she 's coming up on a major decision as to remain at {$30000.00} and continue with the wear and tear of her position, or quit and find something for possibly {$7.00} per hour. Our government and the corporation that support or government have placed her in a lose-lose situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Friday, XXXX XXXX, 2015 the bank branch manager at PNC, XXXX claims she received a phone call requesting she fax our bank statments for the last three months to an institution. about a week later my nusband noticed a {$15.00} charge to our account and inquired as to why. He was told by the bank manager that she had a call on XXXX and that the " recognized my voice '' and faxed statements and charged us for photocopies. 
ISSUE : I never called the bank requesting this action. Neither XXXX of us were told about this or asked to come in and sign a release for our information to be faxed. We took our phone records at a later date to prove we did not do this. This did not matter to her. We went to the police department but they can not do anything. My husband was advised to leave this bank as our information could be anywhere and compromised. 
It is unlawful to fax bank accounts without the written permission/release by the account holder. There is no written release by me or my husband. We have since removed all the assests possible from PNC BANK in XXXX, NC and opened new accounts in another bank in town. We feel we were treated poorly by negligence on the part of the bank branch manager who took the bogus phone call and faxed our information without our knowledge. We need PNC to admit wrongdoing and return our money charged for photocopies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan at XXXX XXXX  was transferred to Loancare LLC for servicing in or about XX/XX/2021. Since then, Loancare LLC has refused to credit my payments to my loan, and has instead been misappropriating the funds and claiming that the loan is delinquent. I have spoken to customer service agents at least 5 times and sent a letter by US mail asking Loancare to apply the payments I have made in XXXX, XXXX, and XX/XX/2021. The phone service representatives claim a " mistake '' was made and that it will be fixed and the payments will be correctly applied. But this has been going on for months with no resolution - nothing is ever fixed, and Loancare continues to keep my payments without crediting them to the interest and principal of the loan despite my frequent express directions via telephone and via letter to credit them appropriately. Loancare also stopped sending me monthly statements by mail or online, apparently in an effort to conceal its fraudulent scheme. This company is a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I decided to check my credit before applying for a car lease and to my surprise I saw I have a collection on my credit report. I did n't received a notice to dispute the validity letter, where I have XXXX to dispute the validity. Under the FCRA they are required to send me this letter PRIOR to reporting anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: PNC Bank N.A.
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Once again, I attempted to do an online transfer of {$100.00} from my PNC checking account to my PNC smartcard and once again PNC has removed the funds from my checking account and has failed to put them on the smart card, forcing me to call in YET AGAIN, be placed on hold and transfered to various departments in order to get the funds either returned to my checking account or put on the smartcard. This time, an " escalating customer service rep '' said that they are aware that there is a glitch that sometimes does this, that it is their fault, that they have had numerous calls when it happens, but have no idea how to fix the glitch since it is inconsistent. PNC needs to have severe punitive penalties, from in effect, stealing from its customers and not addressing the issue unless customers are willing to be on hold for over an hour with each incident and get angry. PNC acts are clearly illegal and need to be fined heavily -- my guess is they will figure out the " glitch '' very quickly if they are forced to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: PNC Bank N.A.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Bank failed to make the annual payment for homeowner 's insurance, despite proper funds in my escrow account and all payments being current. The insurer cancelled the policy due to the bank 's non-payment. I was never informed of this until 90 days had passed and PNC placed forced coverage insurance on my mortgage. I have acquired new homeowner 's insurance. Because I am deemed high-risk due to PNC 's non-payment, my insurance premium rose significantly.

Company response to consumer: Closed
Consumer complaint received 2015-06-27
Company: CNP Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Filed a complaint yesterday against XXXX XXXX. XXXX XXXX XXXX ( XXXX ) called us and again threatened legal action. And refused to validate the debt. XXXX sent a letter to XXXX yesterday requesting all communications be in writing and that the debt be validated. Today the debt is {$340.00}, not {$790.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I filed a dispute in 2013 against the collection agency known as XXXX, account number XXXX Phone number XXXX with XXXX sometime in 2013. Transunion failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.

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