BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-24
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX TO CASE : Case number : XXXX Involving XXXX XXXX XXXX process attorney McCalla Raymer LLC .MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, McCalla Raymer , LLC ( hereinafter " McCalla Raymer '' ) is a law firm incorporated in the state of Georgia , their principal place of business is XXXX , XXXX, XXXX. McCalla Raymer acting for and on the behalf of its ' clients XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX has instituted and pursued non-judicial foreclosures of Georgia Security Deeds against the property of Plaintiffs described above with full knowledge that it lacked authority to do so, and has imposed similarly illegal foreclosures upon XXXX of similarly situated residents of Georgia. Defendant continues to prosecute XXXX such foreclosures against citizens of Georgia. XXXX XXXX XXXX ( hereinafter " XXXX '' ) conducts business as an electronic loan registry for the mortgage finance industry, their principal place of business is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXReported Lender : XXXX XXXX XXXX, XXXX. ( hereinafter " XXXX XXXX XXXX '' ) is a federally chartered bank, their principal place of business is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, XXXX XXXX XXXX XXXX ( hereinafter " XXXX XXXX XXXX '' ) is a XXXX XXXX, incorporated in XXXX, which owns multiple companies, each of whom provides some aspect of foreclosure, bankruptcy, loss mitigation, and loan settlement processing service, tax examination, title search, and other document management services. XXXX ' companies provide outsourced foreclosure processing services in XXXX states and bankruptcy processing services in all XXXX states. 
XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is a private equity firm, incorporated in XXXX, who owns XXXX of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX 's principal place of business is XXXX XXXX XXXX XXXX, XXXX XXXX. 
WHEN BANKRUPTCY FILED, ATTORNEY REPORTED MCCALLA RAYMER LLC WILL FILE SOMETHING CALLED CONTESTED MATTER TO RETURN TO COURT TO DISMM WHAT THEY CALL MOTION FOR RELIEF FROM AUTOMATIC STAY.THIS NEED NOT OCCUR AND BE TERMINATED IF IT HAS BEEN FORWARD. OTHER DOCUMENTS OF FRAUDENT STATUS HAVE BEEN RECOVERED AND ALSO CONVERSATION WITH ROBO SIGNERS HAVE BEEN ESTABLISHED RELATED TO XXXX XXXX XXXX PAST XXXX AND MCALLA RAYMERS ASSOCIATES. CURRENTLY RECIEVING PREMISSION AND NOTARY STATEMENTS TO RELEASE THESE DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since Green Tree sold to Ditech in XXXX XXXX, it has been a nightmare to deal with Ditech Financial LL. We have an automatic payment set up through our bank and we 've also made XXXX payments on Ditech 's website. According to their own records, we do n't have a payment due until XXXX XXXX, XXXX. 
Their debt collector has been sending us letters. We do n't want their incompetence resulting in an adverse effect on our credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: The Receivable Management Services LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a call from Receivable Management Services XXXX. They requested that I identify myself. I did, and then I asked who they were. They refused to give me that information, but insisted dthat I had to give them all my personal information. I absolutely refused and they hung up. I called them back by the caller ID and found out that the call was about a XXXX bill. I promptly called XXXX, and I got the issue resolved. It was a mistake on their part. The account had been written off for service issues, but someone accidentally sent it out for collection. My complant still stands against Receivable Management services for not properly identifying themselves. This is a violation of Federal Law. They must tell you who they are and why they are calling. It is also against Federal Law to require that someone tell all their personal information before knowing who they are talking to and why.

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 2017-11-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying XXXX XXXX, XXXX on a Home Equity Line of Credit ( HELOC ), loan # XXXX. TD Bank continues to incorrectly switch payments I designate as interest to principal and then show interest as unpaid. This has happened nearly every month for almost 6 months and I need to spend over a week every month going to a branch bank and requesting they correct the problem. 

Most recently, I made an interest only payment of {$230.00} to TD Bank on XX/XX/XXXX. Then, on XX/XX/XXXX, I made a {$750.00} principal payment. When I saw the XX/XX/XXXX payment online that same afternoon, it was posted correctly. After overnight processing, when I viewed the account online on XX/XX/XXXX, the payment was flipped out of interest paid to principal paid. Unless I hound the bank to correct this problem, TD Bank can report the unpaid interest for the month to all credit reporting bureaus as negative credit information that hurts my credit rating, which is in the mid XXXX. 

The XX/XX/XXXX principal payment first appeared as a split between interest and principal when viewed online the same afternoon as when the payment was made. Then overnight, the payment flips into all principal. About 6 months ago this problem started. It started around the same time as a former branch manager, XXXX XXXX, in the XXXX XXXX, FL XXXX XXXX office left the branch. She told me that she had spoken to the back office and told them to fix the problem. I think she may have told them to create the problem. 

TD Bank 's XXXX Florida branches and their staff all seem to be wholly incompetent. I 've dealt with TD Bank branches in the states of NJ, VT, PA and FL at various times and only the FL branches have continued problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.

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 2016-08-08
Company: BTH Management
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was unable to pay back loan due to divorce and increased debt and same income. The debt was passed off to new company which advised that they sent me a letter in XXXX 2015. I had not received any correspondence until I saw debt on credit report which did not offer the 30 days time frame to dispute or make payment arrangements before the being reported to bureau. Upon seeing the debt I called the number on my credit report and the representative advised me that there is no opportunity to settle the debt. I advised of my situation and she said no. I called back today which I was able to settle the debt and be placed on a payment plan. Also, the lady I spoke with apologize and told me sorry about the letter but there should have been one sent XX/XX/2015 but she is nor sure why so she will send me an email version. I just received a validation of debt which if was received I would have avoided the credit bureau report and settle the debt since my financial circumstances was getting better a the time and I Had a new job offer which was going to pay more. With me not getting the provisions that the fair debt collection and credit reporting act afforded me this debt is now on my credit bureau and is negatively impacting my ability to possible maintain a security clearance which is needed to maintain or obtain other paying jobs. I am requesting that since the 3o days which was just afforded to me today was not given in XX/XX/XXXX that this debt be removed form credit report, especially since I have now made a payment arrangement that is set from my debit card.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please help me prevent foreclosure to my property at XXXX XXXX XXXX which I have owned for twenty years as single woman head of house with no assistance nor help from anyone. After 15 months of continuously contacting my lender Ditech Financial/Green Tree Services denied my application over four times as a request for Special Forbearance and Mortgage per the investor request I have diligent prepared for months and worked directly with XXXX, XXXX XXXX & XXXX XXXX with NO Final Resolution and a unexpected/surprise Foreclosure Notice the day I submitted the final requested XXXX 2015 bank statement on the XXXX/XXXX/2015 the same day I received a notice I was denied plus received from the Attorney XXXX XXXX XXXX XXXX XXXX. foreclosure number. 
During the time Ditech Financial acquired Green Tree Service I was in process of completing the application process. Upon my attempts to make several calls to Ditch/Green Tree Services I have never seen such unprofessional non-responsive after contacting them for 15 months to work towards a mortgage modification resolution. I have numerous home repair issue I have attempt to repair using life savings and canceling insurance policies. I desperately need assistance to save my home from foreclosure as I have repeated called everyday since completing the Request For Mortgage Assistance application. I have the property listed and a buyer wants to purchase but no response from Ditech/Green Tree Services since XXXX XXXX, 2015. My roof is leaking, the foundation is cracking from the drive way unto the garage, my AC unit is not working and I can not afford to have all these items repaired. Again I have not been able to speak with XXXX XXXX my Ditech/Green Tree Account Representative for she is non-responsive plus continues to answer my calls but puts me on hold and returns to address my request for a Short Sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Credit Bureau of Lancaster County, Inc.
State: DE
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My insurance company were to pay all my XXXX and they never did. I was in a terrible XXXX in which all my XXXX were to be paid and that did not happen. So all of my XXXX were put in collections due to them not taking care of this serious situation. I did not have the money to pay them myself. LANCASTER COLLECTIONS XXXX XXXX XXXX XXXX XXXX PA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: SKO Brenner American, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased hair care products from XXXX XXXX which totaled {$140.00}. The products were paid in full in XXXX payments through my bank, XXXX. The payment sought now is {$54.00}. I have proof of all payment made. This company continues to hassass me. They have reported me to collection agencies. Documentation was sent via fax to the first collection agency, which was XXXX XXXX. Another agency sent a letter. The agency is SKO Brenner American, INC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer was accepting payments from me up until XX/XX/2015. I was also trying to catch up on my late balance from when I was working and had no other income. They sent me XXXX checks back and said my mortgage is in default and they have stated foreclosure proceedings. Why ca n't I continue to make payments to try and resolve this issue? I do not want to lose my house. If I had the {$6500.00}. plus to give them immediately, I would. I am searching for other options, such as retirement money or a loan from somewhere. I want to pay them. Can you help me, please???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my daugher and my son. I am now losing everything, I am trying to short sell the home to start over and DiTech is saying they ran my credit report and that XXXX advised them their is no FICO score, nor do I have sufficient credit? I spoke with XXXX and they advised DiTech has requested nothing!!! This is holding up me going on with my sad life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Sale of account

Complaint:
XXXX XXXX claims they have transferred a Costco Credit Card I had with them to Citibank. But I never applied for a credit card from CitiBank. 
This creates XXXX problems : 1 ) XXXX XXXX refuses to acknowledge my old Costco Credit Card account and let me download my transactions 2 ) XXXX claims I now have a new credit card with a bank/issuer that I never asked for an account with. 
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 2016-10-19
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX, I 've been attempting to get Ditech to correct my escrow charges to no avail. I have XXXX Ditech mortgages. Both loans had " lender-placed insurance '' which was canceled per Ditech 's own written correspondence on XXXX/XXXX/2016. However, I continue to be charged escrow for " insurance '' every month since then. ( My loans do NOT escrow for taxes or insurance. There were forced-placed insurance charges earlier in the year due to my condo association losing their coverage temporarily. ) I need my monthly payments to be adjusted to remove the escrow charges, as well as a refund for escrow payments already made. I have emailed Ditech numerous times ; I have spoken to countless representatives that keep reassuring me the escrow issue will be resolved shortly. I 've left several messages on the voicemails of supervisors ( including XXXX XXXX ) -- and have never received a call back. Over three months later, nothing has been resolved. 

I continue to make the full payments ( including the erroneous escrow charges ) to avoid late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am still having problems with Ditech in receiving a resolution on my loan Modification/Assumption. I need you to assist me in this matter as they are not responding to me. I truly believe they are not acting in a fair and just way. Please contact me and I can submit my entire file via fax. 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 2016-07-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX and XXXX have both removed the judgments from my credit report due to inaccurate reporting. I am asking that Experian do the same, as the judgments were never reported as satisfied under XXXX v. Equifax Information Services, LLC Civil Action No. XXXX and XXXX XXXX XXXX v. XXXX XXXX XXXX , Case No. XXXX, U.S. District Court, XXXX District of Virginia. Both credit reporting agencies have removed the judgments for reporting them inaccurately.

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 2017-02-18
Company: ECMC GROUP, INC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Consumer Financial Protection Bureau, To whom it may concern, The purpose of this letter is to submit a third complaint against XXXX [ XXXX ], now known as ECMC- the Education Credit Management Corporation . The previous XXXX complaints are under file case # XXXX & file case # XXXX. Back on XX/XX/XXXX, XXXX- Ombudsman at ECMC- responded to my last complaint stating that she determined that XXXX should have refunded my XXXX loan disbursement. XXXX then made the necessary adjustments, but there are still irregularities in the final calculation of my loan balance. As I have previously stated, this loan dates back to XX/XX/XXXX, from which I have been disputing this loan with different agencies ; first with XXXX, then XXXX, and now with ECMC. 

Even though I have been disputing this loan, I have submitted payments to the amount of {$1700.00} towards the amortization of this loan. Back on XX/XX/XXXX, I submitted a request for a breakdown of how ECMC recalculated the loan balance after having removed {$2500.00} from the original balance. They sent me a new total balance of {$2100.00}, for which {$1.00}, XXXX is principal, {$380.00} interest, and {$410.00} collection costs. In one of their balance sheets, they have a current principal balance [ dated XX/XX/XXXX ] of {$780.00}. I have been disputing this loan, and it was found that I was correct in my claims. ECMC has always had my contact information- of which I have been the one contacting them in this dispute- why are they charging me collection fees and interest when they failed to acknowledge my complaints? How are they jumping from {$780.00} to {$1300.00}, unless this loan is a negative amortization loan? My question to the Consumer Financial Protection Bureau ( CFPB ) is, back in XX/XX/XXXX, CFPB came into an agreement with ECMC regarding the purchase of certain assets of XXXX in which ECMC is to provide debt relief to XXXX students ; how come ECMC has gotten a free bailout pass from the government, supposedly for the sake of many students, but they are still continuing the predatory practices of XXXX? 

Please respond at your earliest convenience, and thank you in advance for helping combat the exploitative practices of agencies like XXXX, XXXX and ECMC XXXX and protecting victims, such as myself, from these dire cases of student exploitation. 

Sincerely, 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 2016-05-07
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On approximately XXXX XXXX, 2016 I contacted Ditech Financial, the holder of the mortgage on my home, with a question regarding the process for making a large payment against the remaining principle and also asking if I qualified for a " recast '' of the loan. I have received two letters from Ditech Financial both telling me that they are investigating my question. THIS IS A SIMPLE QUESTION! They are dragging their feet because they make over $ XXXX/day in interest on my loan. Every day they delay, more money goes in their pocket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my Experian and XXXX credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and XXXX, sent both of those credit reporting agencies, copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment has never been filed. I need these items removed from my XXXX and XXXX credit reports, as they have been paid and satisfied.

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