BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-02
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i was concerned for my taxes this year on my home i called ditech financial whom is my mortgage lender and they had told me that it would be over XXXX dollars for my mortgage if i was to add my taxes so i said no thanks i would pay them out of pocket and now i was to find out that ditech paid my taxes even though i gave them no written or verbal consent to do so,, when i called to ask why my mortgage had exploded to over XXXX dollars this month they told me that they had paid my house taxes for the city of XXXX, ,but i had already paid them out of my pocket for the year which was XXXX dollars,, now im begin told that XXXX had called ditech to get my taxes paid but when i called fannie mae they said they have no record of that nor would they do that because it would be illegal to do so,, so ditech lied to me about my house taxes and why they paid them after i had already paid them out of pocket and lied and used fannie mae as an excuse. my husband and i are on a fixed income him being a veteran from XXXX in XXXX and im a XXXX that just recently had XXXX,, they did this without my consent and now im told ill have to pay XXXX dollars to close the escrow account and get my mortgage back to the XXXX it was every month, my husband and i cant live like this we never asked them to pay our taxes and we can not afford the balloon payments they are asking now and we had a fixed rate before, they did this to a XXXX couple on fixed incomes and our family has owned this home for over three generations over 79 years we have always paid our bills on time and owe no one anything we dont even use credit cards because we are afraid of going over our limits .not to mention that since we had our ditech loan we have only been paying XXXX a month which they divide into XXXX for the principle and XXXX for the finance charges every month,, its not only the worst mortgage we could have ever had but we, my husband and i never asked for it we were sold to ditech from another mortgage company and did not want ditech to ever be involved with our mortgages because of their shady practices in the past. basically my husband and i were pushed into this without us ever being asked, and the worst is they have made changes to our mortgage without ever calling us or sending written consent to do do. my husband and i need help,, we are in XXXX maryand

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Lender has set a foreclosure sale date during short sale review process. Short sale was submitted for review. DiTech mis-assigned the file and changed systems which created delays. Alleged correspondence from DiTech requesting additional documents never received. Although this is in loss mitigation review, DiTech has now scheduled a sale date and refused to postpone to review for short sale.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Experian XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2016-12-03
Company: Credit Protection Association, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After pulling my credit report I see that there is an account on my credit file from XXXX ; however, I have not had XXXX as they did not provide service in the area I lived for the last 10 years. At XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: ECMC GROUP, INC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I sought student loan rehabilitation and ECMC stated that I could rehab for 5 % of income/month. I filled out their application and in the fine print in the contract ECMC states that the outstanding balance and collection costs would be capitalized and monthly payments would be based on the recalculated principle and interest balance at time of rehabilitation up to 16 %. I wrote back to the representative and stated that I was going to have a third party look at the contract and would get back to them. While I was seeking third party help ECMC went to court and obtained a garnishment for 15 % of my paycheck. 
I was ready to rehab my SL and started the process to do so. What can I do to reverse this decision and rehab with the XXXX? 
These student loans were borrowed for matriculation thru the XXXX from XXXX. The school has since closed. 
Thank You for your consideration, XXXX XXXX XXXXXXXXXXXX

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 2015-11-13
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds one from XXXX XXXX that has been discharged and the other from XXXX a division of XXXX XXXX XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen purchased our mortgage in XXXX XXXX. We made our payments through XXXX XXXX, but our XXXX statement raised the payment from $ XXXX to $ XXXX, supposedly based on escrow. We contacted the company and were told the only way to fix the escrow was to apply for a loan modification, which we did. From there, things went from bad to worse. After months of submitting paperwork and proving our ability to pay and proving the actual escrow owed and legally due, Ocwen denied the modification, declared us in default and served us with a foreclosure notice in XXXX XXXX. We filed a Chapter XXXX bankruptcy to stop the foreclosure. As our home was also our business ( a traditional bed and breakfast ), these actions affected not only our financial status ( legal fees, etc. ) but also our ability to continue to operate our business. We wound up selling the home in XXXX XXXX. Our original loan amount of {$470000.00} was repaid {$650000.00} by the time Ocwen added fees, penalties and other charges to the final amount. We attempted, through our lawyer, to get a lowered payoff and to dismiss some of the fees and charges, but Ocwen 's lawyer refused to cooperate. We have suffered tens of thousands of dollars in damages, all because Ocwen and its representatives lied to us, manipulated us and cheated us on a mortgage for which we had never missed a payment since XXXX XXXX. The XXXX lawyers we consulted all told us our only option was to file a Chapter XXXX, and it appears that may have been a mistake. But we contacted the Nebraska XXXX, the Nebraska XXXX, the XXXX XXXX and even the XXXX to try to find assistance in resolving this without selling our business and our home. The original escrow discrepancy was never resolved, even with a court order for Ocwen to produce the paperwork proving its why the escrow jumped more than {$2000.00} per month. Such paperwork, to our knowledge, was never submitted to the court. We have a detailed chronology of our interactions with Ocwen, along with mountains of paperwork requested and submitted. When Ocwen purchased our {$470000.00} mortgage, our home appraised at {$820000.00}, and this was clearly nothing more than a bold-faced attempt to steal our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I just received notice in the mail in regards to an alleged debt owed to Convergent Outsourcing for {$1200.00} from XXXX. I submitted several of dispute letters to Convergent somewhere in mid XX/XX/XXXX for validation. Due to non validation of this debt, it was released from my credit file. Now I received another notice today in regards to the same account that was dispute by me last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Optimum Outcomes, Inc, keeps calling me and stating I owe them money! I have instructed them I do NOT owe them or their client, because I have NEVER even heard of their client. They now call me 2 or 3 times per day and when I say I am going to sue the XXXX out of you if you do n't stop calling and harassing me, they hang up and then they begin calling again the next day! I am SICK AND TIRED of these brassiness harassing calls DO SOMETHING! YOU are the government agency so DO SOMETHING TODAY! They are rude, arrogant and full of XXXX! Get rid of these people today!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
On Saturday, XXXX XXXX, 2016, I received a call at my business saying that it was the gas company XXXX XXXX XXXX XXXX. They said that I had an overdue balance of {$490.00} and that I had to pay it immediately or my gas service would be disconnected, and my business depends 100 % on gas. They told me to purchase a prepaid card with the amount due on it ( {$490.00} ), and that when I got it they would give me instructions on how to give them the card information in order to avoid having my gas service disconnected. And I did so. I purchased a card called Reloadit with the amount off {$490.00} on it from the XXXX located at XXXX XXXX XXXX. But a few hours later I realized that the gas companys ( XXXX XXXX ) offices arent open on Saturdays, and that I had been a victim of fraud. 
I called Reloadit to see if I could cancel the payment process to the person who defrauded me, and it appeared that I had called in time to cancel the payment. 
The Reloadit representatives gave me a case confirmation number : XXXX. 
Three days later, a woman named XXXX called me from XXXX to give me a new incident number : XXXX. 
Since they hadnt called me back on XXXX XXXX, I called them again, and the representative XXXX gave me another case number ( XXXX ) and told me to send them the proof of purchase for the Reloadit card, plus a copy of the card with the numbers on the back of the card. She told me to send it by fax to XXXX, and I did so. 
They told me that it would take approximately one month to have my money returned. 
On XXXX XXXX I spoke with a man named XXXX, who gave me another case number ( XXXX ). And so it went : month after month I was assisted by different representatives who gave me different case numbers, telling me they were reopening the case, but they never gave me a solution or sent me the money. Ive already spoken with the manager and he hasnt given me the solution for getting back my money either. 

A few months ago I told them that if they didnt send the money, I was going to report them, either to the Better Business Bureau or the CFPB. 
Apparently they dont care. Ive given them several more months, and I still havent received anything. Please help me. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/22 My XXXX XXXX account was hacked and my debit card bank of America was attached. So there were 3 transactions and 2 went through {$990.00} and {$700.00} and {$280.00} were declined. Money was sent to XXXX. In XXXX XXXX they explained me only Bank can help me. I did everything from my end. police report but bank denied my claim 2-3 times. Moreover they didn`t even try to investigate what they supposed to do police told me. the time the claim was open not more than 1-2 weeks. I sent them all profs from my email how many times they changed my XXXX XXXX account for 2-3 hours. And that bank of America sends me account alert on my phone only in 8-9 hours after transaction was made. I already complained on it too. But they said there is nothing they can help me with. Under regulation E they have to give my money back. But I never receive it back

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 monetary relief
Consumer complaint received 2016-09-15
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Got a call yesterday from American Medical Collection just an FYI the rep was a XXXX man and he had a very rude way of talking to me. Said that I owe XXXX and that I needed to pay this today and if I did n't make an attempt to pay this off that going forward there was n't anything he could do and that they would per sue with legal actions against me. I told him that I 'm on a fix income and that I could n't afford to pay anything at this time. And he said well I guess we 'll have to levy your bank account cause regardless XXXX XXXX we 're going to get the money that is owed one way or the other and then he hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This debt was charged off on 2001 and no longer on my credit report in any way. I do n't know how they found my information but they are trying to collect a debt that no longer exists. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: Kriya Capital, LLC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is calling about a bill from 2 years ago ... I explained that I need to see the bill and that I do n't even remember the service i.e. ; ambulance ride ... After telling them I need a copy of the bill in question they would n't comply ... I 'm sure this is a scam and I told them so

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 2022-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I called XXXX Credit Bureau about the XXXX XXXX account still showing as CHARGED OFF AND close, but the Lenders are able to open the report to see a Charge-off balance of {$16000.00} The original balance was reported as {$17000.00} in XX/XX/XXXX ( date of the original loan ). The payments were {$400.00} per month. Payments were set up at 72 months which is XXXX years. Payments were paid on time from XX/XX/XXXX to XXXX  XXXX per month. The total amount out of pocket paid was {$19000.00}. How is the balance still {$16000.00}? I have wrote XXXX XXXX XXXX so many time in XXXX asking for the balance on the XXXX. I never received an answer. Finally in XXXX of XXXX I check to see the credit Report at all three Bureaus and the account was Charged off without reporting the balance to a collection Agency. This loan has been taken care of by XXXX. I noticed on the XX/XX/XXXX Credit report I requested from XXXX the balance was {$15000.00} the payments continued until XX/XX/XXXX. The balance on the account should be showing {$4600.00} instead of {$16000.00} There was only XXXX ( XXXX ) more years to pay for the vehicle. XXXX continue to say the XXXX is reporting {$16000.00} as of XX/XX/XXXX without speaking to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i have an account that is fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Blackhawk Network Holdings Inc.
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2016 i loaded {$500.00} to my account ending in XXXX. My account has since been frozen, with no ability to use the card for debit transactions, no bill pay functions, no ability whatsoever to transfer money off the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Credit Protection Association, L.P.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
XXXX/XXXX/2015 -- I received XXXX inappropriate phone calls from the 'debt collectors ' Credit Protection Association XXXX just today! First call was at XXXX - which is outside of the allowed call hours. Then at XXXX - they called me XXXX times in a row. They did not leave a message, just called XXXX times in a row - using up my phone minutes and harassing me. I do NOT owe this company anything and I do NOT appreciate being harassed! I have not received any written communications from this company and I do not know what they is about. -- - Also, upon investigation into this phone number, you will find that they have hundreds of complaints for spamming, scamming, calling outside FDCPA parameter, etc .... they need be stopped.

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 2016-01-26
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I reached out to this debtor from a debt that was incurred back in XXXX of 2011. The operator was very kind, I spoke to someone named XXXX. The balance that was showing up was {$100.00} on all XXXX credit bureaus. Maya informed me that due to daily interest accrual on the account the balance was now at {$140.00}. She was not able to give me the original debt amount prior to their addition of daily interest and fees. This is almost a 50 % increase from what shows on my credit bureau, not to mention that I really do n't even know what the original debt amount was at this point.

Company response to consumer: Closed
Consumer complaint received 2015-11-30
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX reported false information on my credit this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage through XXXX XXXX XXXX for a home in MD. I was approved for a DEED in lieu. The paperwork was done and processed XX/XX/2016. Bwi financial services notified me they were taking over loan on XX/XX/2016. I called and notified them I was in a deed in Levi and it has just cleared XX/XX/XXXX. They said okay they will make note and I notified them they needed to stop calling and mailing me items. I do not own the home any longer. They have continued to mail me sending letters and bills. I called a gain and told them to stop. I just received another bill. I called again this morning and they said the person is XXXX who is in chnarge of the account. They said he is not in but will have to call me again. I do. It own the home and I do not want to be harassed. BY BSI because they are not organized. They need to deal with XXXX XXXX XXXX and figure this out.

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