BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: Eagle Home Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I decided to buy a XXXX home that was almost done being built. From the beginning, I was rushed to complete the loan docs and close by XX/XX/2016. I was encouraged to use their lender UAMC because they offered closing costs and covered other expenses. The first lending disclosure showed the monthly payment to be approx. {$2100.00}. After submitting additional documents as requested, I received another lending disclosure through XXXX that showed the amount to be approx. {$2600.00}. I talked to the mortgage consultant I was working with XXXX XXXX and asked why the new disclosure showed a different amount. She said she would look into it and get back to me. Shortly after, I received the final lending disclosure that showed the monthly payment to be {$2100.00} three days before closing. Since that was the amount I was prepared to pay, I was prepared to go to closing. I did not use my right to negotiate a better price, interest or use another lender. At closing, I signed the Final Lending Disclosure that showed the payment to be {$2100.00}. On XX/XX/XXXX, I received a statement and bill from UAMC showing the payment to be approx. {$500.00} more than what I signed up for. Due to the holiday, I called UAMC on XX/XX/XXXX to ask about the discrepancy. I was told by XXXX that she would contact the Loan Officer-XXXX. I was not contacted again until XX/XX/XXXX by email from XXXX asking me to sign a new payment letter showing the amount as {$2600.00} saying there was an error in the monthly property tax reserve. As a consumer, I am not aware of what is missing on forms that I 'm signing. I faxed her a letter letting them know this was unacceptable and that they needed to adjust numbers on their end ( i.e. home price, interest rate, etc. ) so that my payment was correct and my escrow was covered by my monthly payment of {$2100.00} as I believed they were when I signed the closing paperwork. She argues that they are not in violation of the Truth in Lending act as I stated in the letter because other costs were less than originally stated. My reply by email was that as a consumer, the number that is important to me is the monthly payment. I need immediate assistance as the payment must be made by XXXX to avoid a late charge and I do not want any impact on my credit score. This is my 3rd mortgage experience and I 've refinanced twice. This is the first time I 've ever had an issues. I 'm not ignorant but this has to be a violation of the Truth in Lending Act. I could understand if months or a year from now, there was a slight increase due to taxes being higher than expected but the first payment?

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 2015-09-19
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midland Credit Management Inc. ( " MCM '' ) never responded to my XXXX XXXX, 2012 letter requesting verification of the underlying XXXX XXXX Bank debt. Also, no notice of my right to dispute this debt was ever communicated to me. Finally, as this debt was deemed fraudulent by XXXX XXXX Bank, MCM refuses to refund the payment that was made to prevent this fraudulent debt from ruining my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Called on XXXX/XXXX/16 for a payoff amount on XXXX loans serviced by XXXX and was quoted an amount which I paid that day. Payment was posted XXXX/XXXX/16. Called back to verify that loans were closed and was informed that XXXX loans were still open. The loans that were open were the loans with the highest interest rate. Billing statements had a preprinted notice that any additional amount paid would go to the highest interest accounts first. Called back to ask about why loans were still open and was told that XXXX loans were over paid. Had I NOT called and asked, I would have had XXXX opens that were open with the highest interest. I should not have had to call and make this correction because of your poor systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech is the mortgage holder on my property at XXXX XXXX XXXX. XXXX XXXX PA XXXX.I am a XXXX XXXX XXXX XXXX.I received my award form the VA last year.Included in my rarting is exemption from real estate taxes on most of my property.I still do pay for an additional XXXX acres of my property.When i submitted my paperwork to Ditech about the exemption it took quite awhile almost a year for them to lower my escrow payments to adjust for the lesser taxes i will pay.Ok they lowered escrow payments but now they are always late paying my real estate taxes.They are now late for a payment that was due XXXX XXXX, 2016. I have called them numerous times ( their tax department ) and it is to no avail .I have submitted to them the times and payment amounts for my taxes.They are still paying late and i am assured they are paying the late fees but i dont believe them.I need them to get their act together and pay my real estate taxes on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MARYLAND XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MARYLAND XXXX XXXX XXXX MARYLAND XXXX XXXX Loan Service XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: Debt Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was taken to the emergency room at XXXX XXXX XXXX in XXXX TX. on XXXX XXXX, XXXX. I am XXXX Vet, all my medical is paid by the VA. I had confirmed with the VA and XXXX XXXX the bill was paid in full. In XXXX of XXXX I received a collection notice for {$770.00} from Debt Recovery Solutions , LLC XXXX XXXX XXXX, New York XXXX. I immediately called the VA and they confirmed this bill had been paid 5 years ago. The hospital also confirmed the bill was paid. When I called Debt Recovery Solutions the agent was extremely rude in fact hung up on me twice. I called back and asked some questions but the only thing he would say was send a fax proving the bill was paid and hung up. There was no fax number on their notice so I called back and he gave me one. I recently got a notice that there was problems with my credit score and I needed to address this problem. I pulled up my credit report I get once a month from my bank ( XXXX ) and was shocked there were XXXX outstanding amounts in collections, all were from previously paid medical expenses paid in full by the XXXX of witch I also just confirmed paid in full. I have a strong feeling that this company is targeting VA payments that do take some time, over a year to settle up. Through skip tracing methods they can easily find laps periods between XXXX XXXX for Vets and the final resolution of payment by the VA. This example of receiving a collection notice 6 years after services rendered, and after confirmation from the VA. is very troubling and has dropped my score more that XXXX points. Can I get any help with this and my credit scores?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had multiple federal loans from XXXX XXXX and because I am in the military I used my Student Loan Repayment Program which paid XXXX XXXX {$9000.00} in XXXX lump sum. That was XXXX of the only payments I have made on my loans since I graduated in 2008 but the amount should have kept me current for many years. My total student loan debt was about {$40000.00} at that time. XXXX received payment and then transferred my student loans to ECMC where interest is accruing rapidly. I personally feel that the lump sum of money should have brought me all sorts of options including the XXXX and/or XXXX XXXX. I am currently serving in the XXXX XXXX ( XXXX ) and also I work XXXX ( 5 years ). 
Instead, once ECMC got a hold of the account they have been asking for payments and I was not able to pay the monthly fee due to the fact I was barely able to keep a roof over my head. I have since entered into the XXXX program with ECMC but I feel it is unfair due to the fact I paid a lump sum to XXXX XXXX. I should be entered into a XXXX program immediately with the lump sum taken into account. Also, all the interest that has been accumulated should be wiped clear. I understand that XXXX consecutive payments on a loan forgiveness program is the standard but I should be offered 5 years of consecutive payments, at this point, after such a large sum of money was paid. Please help me find a solution. I even have another {$1000.00} left I can pay in lump sum from my XXXX to aid in the activation of XXXX and/or 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 2015-03-26
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had numerous problems with Green Tree Servicing. I ALWAYS pay my regular payment plus an additional {$50.00} each month for the principal. In many cases, the principal is not posted to my account. For my last payment, this company only said I paid {$110.00} when in fact I paid $ XXXX.Also, my principal payment was not credited. I have been given NOTHING but the runaround from this company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to school at the University XXXX. Each XXXX month semester cost me roughly XXXX $ in tuition + room/food /books to attend. The price of tuition raised every financial year and by the time I left I had nearly {$100000.00} in loan debt. I have tried to pay off over and over but ca n't keep up with the high payments. 
The loans are owned by the National Collegiate trust. In XXXX I lost my job like many at the time and hit hard times. I went without a job for XXXX years so my loans ended up going to creditors. I tried to work with the creditors but between trying to support my family and get myself back on my feet again I could n't keep paying. I kept trying to work with the creditors but finally it got turned over to a lawyer to attempt to collect this way. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
on XX/XX/2016 I checked my credit report and all my inquires was deleted, when I log on today all of my inquires were back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I have been a valued AMEX card member since 2013 and happy with their services. However, in XX/XX/XXXX, I have applied for the American Express platinum card with the sign up bonus of XXXX Membership reward point after {$3000.00} spending. I used this card for my daily spending. After one month, I met the requirements, and American Express posted the XXXX points to my Membership reward account. On XXXX XXXX, I noticed that Amex had reversed the XXXX points on XXXX XXXX with no explanation whatsoever. I contacted the CSR and gave me a case number, but told me no reason. On XXXX XXXX, I called the back number on the card, tried to figure out what exactly happened to my points. I was told that my points been reversed was because my spending did not meet their requirements. Since I had received my points after {$3000.00} spending, and AMEX already posted it to my account, I had no doubt regarding what is qualified for the spending. Now, after two months, which already exceed their promotion period ( 90 days of opening account ), AMEX came back and told me my spending was n't qualified??? Are you kidding me? IF it is not qualified, then I should have known. If it is AMEX 's own IT or Tech problem, then I should be granted to their own mistakes!!!! BUT, they did not do anything, so I decided to cancelled the card without any hesitation. 

BUT, this afternoon, I received a call from Membership Rewards, a lady told me my reversed points were still under review, because there was an error regarding of what I had purchase on my platinum card, so she said it might take couple more weeks to finish the review. I told her I had closed my account already, she said if I wanted to continue this investigation, I had to reinstate my account. BUT there is no guarantee of what could happened to my account. 

1. I only asked for extended time to make qualified purchase, since I am the only covering AMEX 's own fault!!!! BUT they would n't grant that!!!! 
2. Since I already closed my account, why are you guys telling me this further review, and suggest me to reinstate!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A hold was placed on my checking account this afternoon for {$5100.00}. I contacted my bank, XXXX, and they named Premier Credit of XXXX XXXX and Indiana Department of Revenue as the parties requesting the hold. I had not heard of Premier Credit of XXXX XXXX before, and because I pay taxes I 'm familiar with XXXX. However, I was shocked to learn that there is a claim for that amount of money, and even more shocked to have found out by not being able to access the funds in my bank account. I did not receive a certified letter, a notice to appear in court, a day in court, nor was I served papers, or anything similar that could prove that I was provided with communication regarding whatever is going on. According to XXXX, they received a court order and have to comply - my question is where is MY copy of said order? Why do n't I have the order? How is it legal that a XXXX is afforded due process, but I 'm not? I 've been paying taxes since I was XXXX years old, and my income continues to rise, which means the amount that I contribute to this state continues to increase - along with my property taxes. I am extremely offended by this miscarriage of justice. Why is it legal to take money from a bank account without advising the account holder in advance ( certified notification )? Furthermore, this money is not owed, which I will have to spend my time, taking away from my husband and XXXX young children, during the next several days/weeks/months resolving whatever this is all about. However, my issue right now is not whether I owe a debt for {$0.00} or a XXXX dollars - the issue is how is the practice of seizing bank accounts over an " assumed '' debt without providing prior notification or even dispute resolution legal? Where is my due process? Where is my day in court?

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 2017-01-04
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The loan I secured in XXXX for my home was with XXXX. It was a 10-year interest only loan converting to an ARM based on the LIBOR. I just received notice from Ditech ( the fourth lender since XXXX ) of the amount of my new payment beginning XXXX XXXX, XXXX. I do n't have a problem with the interest rate going up because I understood that from the beginning. What I am now discovering, however, is that the amount applied toward principal is less than the previous year which leads me to wonder if the method they use for amortizing the loan will ever bring the balance to zero. 
In conversations with various lenders about refinancing with XXXX, I 've been told that I would have to go through my current lender because I continue to need a no doc/stated income loan as I am self-employed with XXXX credit scores. I have been told by Ditech that there are XXXX problems with refinancing with XXXX. The first is they are showing ( incorrectly ) that my home is a multi-family home even though I have confirmation and verification from my county tax office that it is a single family residence. 
Secondly, Ditech is stating that since I have an Alt-A loan, they can not put me in a new loan that will raise my payment. In other words, I could not convert to a XXXX or 20 year fixed interest rate loan even though that would be in my best interest because my payment would go up. This notion is somewhere between hypocrisy and irony in that my payment continues to go up each year with my current ARM and could go as high as 10 %! 
My concern is that there may have been unscrupulous business practices on the part of XXXX and unwittingly continued with Ditech. 

As mentioned, the original loan was a no doc loan since I 'm a self-employed XXXX with excellent credit scores. That has not changed, however, I am now XXXX. I 'm hopeful there is a no doc XXXX or some instrument that would not be starting all over again with a 30 year mortgage - or possibly modifying my loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
World Finance and I settled in XX/XX/XXXX and agreed that I would pay {$75.00} a month to settle my balance. I have been doing as such. This arrangement was made in XXXX County, GA. They have since filed a suite in XXXX County to garnish wages because XXXX County will not accept them. Again, I have been paying to my agreement. I have called the office to rectify, however, they do not respond at all. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. World Finance reported as a judgment when there was no judgment because we settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is against the following Company : Green Tree Servicing - XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX www.XXXXcomThis company illegally placed " attorney fees '' on my mortgage without my approval and i have no idea why. They said it was attorney fees that they placed on my monthly mortgage and did not mention or give me any written explantion of these fees. I had to pay them so my monthly payments would not default or be late. I demand these fees be returned to me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have submitted a complete short sale packet on XX/XX/XXXX2016. Once received the lender ( DI-TECH ) ordered a BPO ( broker price opinion from an REO broker which is in my opinion a conflict of interest as they they are not Licensed or Certified Property Appraisers and are not allowed to make adjustments for repairs. I was then told to get XXXX Estimates from Licensed Contractors in regards to the cost of repairs. I have done all that was requested and submitted to the lender who seems not to know what department is actually handling this short sale. There is an assigned Relationship manager named XXXX whom i have never spoke with and has not tried to make contact. There is a scheduled sale date for XXXX/XXXX/2016. and i am waiting to conform if the sale has been postponed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation