BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-24
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed all/parts of the alleged debt owed and requested actual proof/documentation of the debt. Signed agreement with payments made. They responded to my letter and said after reviewing the debt they believed it was still owed. They did n't send me anything beyond that which makes it impossible for me to know if the alleged debt is accurate. They then filed a complaint in county court. I am responding to the complaint. This company recently settled due to collection practices on a class action suit. I feel they are still using questionable tactics. They now want not only the alleged debt but attorney and filing fees and that could have all been adverted if they would have provided me with the documents I requested but I believe they did that thinking they could make a little more money with this account by filing thinking I would agree to pay or a default judgment. I have dealt with them before and made an arrangement on a debt that they filed on that they provided me proof of so I think they thought they would get me to agree to this debt and the fees as well. Whether I owe the debt or not is not the issue ... the issue is I feel they filed to collect extra fees as I did n't make any arrangement with them because they failed to provide proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Signed up for paperless billing. Offered a 10 % off coupon for the anniversary date of XX/XX/18. Never received the coupon. Contacted XXXX   about the problem. Informed that I also needed to sign up for email alerts. Signed up for the alerts. Never received the coupon. XXXX failed to email a bill for the month of XXXX and failed to send the coupon. Now XXXX sent me a statement with a late fee and interest charge for not paying a bill that they never sent. Got the late fee and interest waived and paid off the current bill. Still no coupon and no help rectifying the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
On XXXX XXXX, 2015 morning, I received a phone call ( XXXX ) XXXX XXXX. He told me that he was an employee who works for government. He knew all my information such as my driver licence number, my address, how old I am, that made me believe that he is a government. He notified me that I was offered to get XXXX dollars due to I am on the way become XXXX and I had clean background, but I need to send him XXXX dollars for the service. On that day, he handed the phone call to another person ( XXXX XXXX ) and another phone number ( XXXX ) XXXX XXXX. XXXX told me I need to send her money by cash by XXXX within XXXX minutes. I sent her the money and also gave her my bank account number. After that she told me to wait for several times to get money. Until XXXX XXXX, 2015. I decided to close my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Credit Bureau of Lancaster County, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was notified by my credit company that my credit score had dropped. I checked my credit report and saw that I had a collection agency report. I was never notified of the debt, never given a chance to dispute it or to give my insurance information. Lancaster Collection alleges that they do n't have my info but they were still able to place it on my credit report. They could have gotten my address and phone number ( same number for XXXX years ) from my credit report. When I called they said it would take XXXX days to remove this from my credit report!!!! I was never given a chance to stop it from going on my credit report. I am suffering damages each day my credit score is artificially lower. Car insurance renewal, credit card companies evaluating me for offers or lowering credit limit thus increasing my debt ratio. This is terrible that they have the power to do this without speaking to me first!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial LLC took over our mortgage from Greentree Servicing. We fell behind on our mortgage last year and applied for a modification. We were behind in our mortgage {$3000.00}, and were applying to reduce our payments. The modification we were presented reduced our mortgage by {$60.00} per month, but Ditech added {$51000.00} to the principal. We agreed because we did not want to lose the house, a poor decision on our part, and are now falling behind again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are conscientious consumers who appreciate this process for clarifying and hopefully correcting errors found on our credit report. We recently went to have our credit reviewed, and we were pleased to learn that most things were handled correctly with a few exceptions. XXXX such exception, to our surprise, was Green Tree Servicing. Our original loan was established in XX/XX/XXXX, with XXXX XXXX XXXX. 
As described in other complaints against other mortgage companies, we lost employment due to layoff. We continued making payments on all accounts until XX/XX/XXXX, at which time we notified all lenders that we were unable to continue payments. At the time, our FICO score was XXXX ( see attached ) ; we hoped that we had proven ourselves as good customers and could work with lenders in good faith. Unfortunately, lenders advised us to let our accounts go " 3-months delinquent '', then they could help. The only thing that accomplished was to have our FICO score continue to go down. We contacted XXXX ( Federal National Mortgage Association ) and was assigned an analyst. We submitted all paperwork requested including an income and expense form, a list of all lenders and authorization to pull our last two-years of tax filings. After reviewing our submissions, the analyst concluded that we were eligible for " Deed in Lieu '' of Foreclosure for the mortgages. Green Tree was notified, and we went forward completing and having certified all of the documents they sent us, and we returned the documents along with the keys to the property. 
According to information on our credit report, the " Deed in Lieu '' final document was recorded XX/XX/XXXX. A copy of the form has been attached. However, Green Tree did not complete the paperwork that would show the XXXX balance on our credit report ( attached ). They appear under " Derogatory Tradelines '' as reported " XXXX '', and the account shows as a " Closed/Foreclosure ... '' Contrary to the zero balance shown under Property History, this form shows a balance of " {$92000.00} ''. 
For clarification, my husband is the veteran.

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 2015-09-18
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making bi-weekly payments that included extra funds to be applied to principal on my loan for about 1 1/2 years. In XXXX 2015 I received a check for {$640.00} from Ditech for escrow disbursement. Upon reviewing my account online I found where Ditech had applied my extra payments to escrow XXXX, sometimes XXXX in a month, instead of correctly applying the extra payments to principal. I have contacted Ditech with my findings and have repeatedly been told that there was no issue and that the multiple payments to escrow was legal. Once again, they sent me a check for funds that SHOULD have been applied to principal and reduced the interest charged to me. They refuse to acknowledge their error, despite the check copy that clearly shows otherwise. I have downloaded all of my data from their website that clearly shows this yet they refuse to correct. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/2016, I initiated a HARP loan application with my current lender Ditech. I was informed that I needed to provide homeowners insurance and sign the necessary disclosures to move forward with my application. XX/XX/2016, I received an email from the title company informing me that I had a judgement on my title report that would need to be cleared up before or at closing. XX/XX/XXXX, I also received a call from my lender advising me that my loan had been forwarded to their legal team for review. Apparently when I closed on my loan with Greentree, they cancelled my deed of trust from when I purchased the house, but forgot to record the new deed of trust. I was told at that time not to worry they would get everything cleared up. XX/XX/2016, I paid off the judgment on title. I forwarded the information over to my loan processor. XX/XX/2016, I was told by my loan processor that we were pushing to close my loan by the end of the month. One minute the loan processor told me the title company had everything they needed to close my loan, and later she switched it to say she had to resend the information. I reached out to the title company to see if they would give me a status on my loan and was later contacted by my loan processor indicating that they could not add the mortgage sent over by my lender because it had already been released. My lender is now ignoring all of my emails to them regarding a status on my loan. My lender did not record the deed of trust on my property, so I have an unsecured note.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Acct # XXXX Ditech mortgage. I mailed my payment XXXX/XXXX/15 to address that is on my payment coupon Ditech XXXX. XXXX XXXX XXXX, California. XXXX. I received letter from them on XXXX/XXXX/15 stating they had not received my payment. Call Ditech XXXX/XXXX/15 to get automated service according to them check received XXXX/XXXX/15. I also checked bank account that check # XXXX was cashed in XXXX/XXXX/15. Called XXXX/XXXX/15 was told by XXXX said she was located in XXXX that payment was not posted until after XXXX/XXXX/15 that is why I received letter. I called back XXXX/XXXX/15 hoping for a better explanation. To get same answer sorry your payment was not posted before XXXX/XXXX/15. I am not satisfied with either answer. How can there automated service say they received it and my bank so it was cashed 8 days before they mailed letter. All numbers from Ditech all go to costumer service so there is no one else to speak with. This company use to be Green Tree and only changed names a few months ago. I am in California and they are in XXXX XXXX, SD. They used my money for 8 days before it was posted? I can not do computer payment! No personal computer use of neighbors when she is home. Thank you XXXX XXXX. XXXX 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 2020-06-20
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Thank you for reviewing the complaint. After reviewing the credit report DBA Pargon Avenue which is collecting on behalf of XXXX XXXX XXXX continues to place items on the credit reports. Requesting validation of all information pertaining to the amount displayed. If coverage was out of the network, no financial assistance wasn't offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This would be our THIRD complaint issued against Green Tree Servicing LLC ( " GT '' ) - now diTech. Following the transfer of our loan to GT we issued XXXX previous complaints with your bureau due to GT 's harassment and illegal deceptive collection tactics, etc. and their failure to provide accurate accounting information regarding our mortgage account. Following the previous XXXX complaints, GT did issue a letter ( XXXX/XXXX/XXXX ) providing the accurate account information as being current ( attached as Exhibit " A '' ) and finally provided the acct balances info, i.e. principal, interest, escrow, etc. we had REPEATEDLY requested. Presently, we have been approved for a new loan which would SUBSTANTIALLY lower our interest rate from the current GT-Ditech 5.875 % rate. The new lender requested verification that our last 12 mos. payments on our GT-Ditech mortgage have been timely which of course they have. However, because of the inaccurate and FALSE information provided by ditech to our new lender regarding the history of our mortgage account insisting that we have been " seven times late '' when in fact this is completely FALSE and inaccurate as evidenced by the attached documents under Exhibits " A '' thru " D '', we have been unable to close on the new loan. The attached Exhibits prove that GT-Ditech 's information is FALSE because our account in fact has been, and is current as each and every payment made on this account has been TIMELY going back to even XXXX/XXXX/XXXX when GT issued their letter confirming the account as " current ''. We contacted Ditech on at least XXXX separate occasions on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in an attempt to correct the information. The first representative did n't understand our account and provided wrong information and refused to transfer us to a supervisor. The second and last representative ( there have been MANY ) to whom our account has been " assigned to '' after we explained the situation and that we just wanted the accurate information provided so we can pay off the loan and close escrow with our new lender - said " there was nothing he could do about it '' and hung up. Ditech 's actions appear to be INTENTIONAL so that we are OBLIGED to keep our high interest bearing loan with them all for THEIR financial gain and OUR financial detriment. PLEASE HELP!!! Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my current house an paid my loan off to Ditech. The title company ended up sending the check to the wrong address causing the payment to be XXXX days. I was n't informed till after the XXXX days that they did n't receive the payoff. I am now trying to close on my new house and ca n't because of the XXXX day late they refuse to remove that was n't my fault. The title company sent it to the wrong address they provided. I am now paying fees for my current builder to continue to hold home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Lendmark Financial Services
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I took out a loan with this company and it has been a nightmare. My payments were due on the same time each month. If it was one day late they would call several times a day very rude and threatening. They even went as so far as to call one of my relatives. In XXXX I went in to make a payment which was about a week late ( they had called everyday and several times ). The branch manager XXXX refused payment if I did not make payment for the following month which was not even due and even going to the extent of showing me a list of people which included myself as too the reason she had to work on Saturday because of us.Upon calling corporate which still resulted in rudeness and being told that they it is up to the manager if they want to accept payment or not. So I contacted a debt collection attorney whom sent them notice that they were the Guardian of the case. I have constantly received calls from them ( unknown numbers and different numbers ) even though they know I am working with an attorney. I received a subpoena that they were seeing me that came to me instead of my attorney and they have called and left messages almost daily even after filing suite . Their collection practices are horrendous. After being harassed by them, I saw some very negative reviews and it turns out I am not the only one that has been subjected to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: U.S. BANCORP
State: WA
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:
My private loan through US bank was forgiven last year. I just received a letter from them saying I was in default and that if I paid a lower amount now they would n't send me to collections. When I called them, they immediately told me it was a mistake and to disregard it. The lady I was talking to would not give me her name. I also asked for them to send me a letter showing it was a mistake which they will not send me. My concern is that they are doing this to others who will just pay the lower amount without realizing it is false.

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 2016-05-24
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I found a derogatory account from Ditech on my XXXX credit reports from XXXX, XXXX, and XXXX. The account does not belong to me and I have never had any accounts with Ditech. I called the company on multiple occasions during XXXX 2016 to asked about the reporting details of the account. I provided my full name, social security number, birth date, and current address to multiple representatives and supervisors. They all claimed that they could not provide me with details of the account if I could not provide them with the address of the derogatory entry. I replied that there was no address reported on the credit report entries. I informed them that I had provided enough identifying information for them to confirm my identity and tell me the current status, history and balance details of the alleged debt. They all still refused to give me details and it went so far as to have a representative, XXXX, on XXXX XXXX, 2016, tell me that it was against the law for her to give me details of the address and balance of the alleged mortgage account. I asked her to cite the specific law to which she was referring and she could not respond with the specific law. I then told her that I was disputing any ownership of the account per my rights to accurate credit reporting under the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ). She replied that FCRA required all disputes to be in 'writing. ' I replied that this was not accurate and that my verbal dispute with Ditech was sufficient. I asked her to cite the section of FCRA that required disputes in writing and again she could not do so. I then spoke with her supervisor, XXXX, and disputed ownership of the account and also indicated the contradictory reporting of the account between the different credit bureaus. She said that I would have to file an 'identity theft ' report with the police to have the account delete. I replied that I was not sure if identity theft had occurred, only that Ditech was erroneously reporting the account and that I was contesting its accuracy and asking o have it removed in accordance with FCRA and Ditech 's inability to verify it, along with their misreporting. The account shows a XXXX mortgage that was foreclosed on, but is currently in collection and has an outstanding balance of {$81000.00}. This is contradictory. How could a balance be outstanding and charged off on a property that was foreclosed on. This is allegedly a XXXX mortgage, so no balance would be outstanding post foreclosure. Nevertheless, she insisted I would have to file an identity theft report. I replied that I would not and that Ditech must removed this inaccurate entry or I would file suit in small claims court for violations of FCRA. XXXX replied that I would need to proceed along these lines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation