BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is my third complaint since XX/XX/2016. Payments continue to be misapplied. I sent a check XX/XX/XXXX with specific instructions to payoff the XXXX higher interest loans with the Dept of Education. The payment was applied to the Federal loans which have over a 3 % lower interest rate. I called the advocate dept again and was told it would be fixed. Days later I called again to see why it had n't been fixed yet and was told it takes 7-10 business days and it would be fixed by XX/XX/XXXX ( that span was 13 business days ). The payment was reversed multiple times with errors up until XX/XX/XXXX where I think they are now done making adjustments. The misapplied payment from XX/XX/XXXX was not fixed. The adjusted payment originally applied XX/XX/XXXX now shows on XX/XX/XXXX. Not only am I being charged the difference in interest for those days between the DOE and Fed loans, I was also charged {$7.00} in interest on Dept of Educ loan XX/XX/XXXX that should have accrued only 25 days of interest since the payment ( last payment XXXX was {$5.00} to interest ). I have printed portions of my loans to accompany my claim. It does not cover the multitude of times I have to call, call again, and call some more to get my payments fixed over the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Back in 2014 I cashed Savings Bonds for my daughter at XXXX different banks- Bank of America and XXXX ( I have accounts with both of them ). They both reported interest earned to IRS. NOW, as an unemployed and XXXX XXXX XXXX, Financial Aid demands that I furnish a document of these interests earned ( XXXX, box XXXX ) but because I only received the summary for filing purposes, I had to contact both banks for a detailed XXXX showing the interests earned was from the savings bonds, NOT interested earned on savings. I had NO problems with XXXX, they sent me a detailed XXXX report showing that the interest earned was from savings bonds and I received it within FEW DAYS. Bank of America never responded to my request so I called the bank again and submitted a second request. AGAIN, NOTHING. One rep called me asking me for more information but he found out that I was using a relay service, he refused to talk to me!!! I had to call and speak to a different rep then subsequently with his manager then the manager did some researching and found what I needed THEN RE-SUBMITTED MY REQUEST AGAIN to the tax department which would take ANOTHER TEN DAYS!!! I 've ALREADY waited TWO WEEKS for it!

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: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I disputed an account with the credit bureaus and each time my disputes either came back as " verified '' or was absolutely ignored. I contacted the company in question directly 3 times and I am mailing them my fourth letter today via certified mail. I first contacted them at the address they have listed on my credit report XX/XX/2015. I heard nothing back. I then did a search online and sent a letter XX/XX/XXXX. I heard nothing back. I did another search and found an address claiming to be their headquarters XX/XX/XXXX via certified mail and it was signed for. I heard nothing back. I am now sending out my fourth letter today, XX/XX/2015 along with this complaint. By ignoring me, they are violating my rights under the FCRA and are showing willful neglect in taking care of this. I have been having trouble getting this erroneous for over a year now and will be taking XXXX Carrington Mtg to court. By law, a creditor has 30 days to respond to the dispute or they must remove the account. The same things goes for the credit bureaus. Each dispute has been ignored. Your company 's last response to my complaint stated that I have made too many disputes and changed my reason for the disputes. Let me be clear on something : if my disputes were investigated properly, I would not have had to go to such lengths to get this taken care of. By law, once I notify a credit bureau that I believe their investigation results are incorrect, they must conduct another investigation and obtain the actual documentation that " proves '' the veracity of an account. This was not done and XXXX concurs with this process that I am stating is imperative. Not only were my disputes with Carrington Mtg ignored, they do not have XXXX address to contact. I am not able to get anyone on the phone to verify any of this information and I have put over 50 hours and thousands of dollars into correcting this mistake. 

Here are the addresses that Carrington Mtg has : This XXXX is stated on their website as their " headquarters '' CARNGTN MTGXXXX XXXX XXXX XXXX XXXX XXXX & XXXX, CA XXXXThis XXXX is stated on my credit reportCARNGTN MTGXXXX XXXX XXXX CA XXXXThis XXXX is stated on their website under " contact us '' CARNGTN MTGPO BOX XXXX, Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: ERC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
When applying for a mortgage I discovered a debt listed on my credit report that I do not believe I owe. 

The account was for {$110.00} from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was dated as being opened in XXXX. 

I sent a letter to XXXX XXXX asking that they provide me with the amount I owed, the name of the creditor to whom the debt is owed, verification of the debt, and proof they were licensed to collect the debt. They failed to respond to my letter and I filed a dispute with all three credit bureaus which resolved in my favor and the invalid debt was removed from my credit report in XXXX of XXXX. 

Recently I received an alert from my credit monitoring agency and they informed me that this debt has reappeared on my credit report under a different company. 

Enhanced Recovery CO of XXXX XXXX XXXX, XXXX, FL XXXX is reporting that I owe them {$110.00} and they set the date of the collection as of XXXX/XXXX/XXXX instead of the previous XXXX date in attempt to prolong the duration this invalid debt would stay on my credit report which I believe is a misrepresentation of the debt and a violation of the Federal Fair Debt Collection Practices Act. Enhanced Recovery CO has also failed to send me an initial communication as required by the Colorado Fair Debt Collections Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-28
Company: DISCOVER BANK
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tried to open  a CD acc ount at Discover Bank. Just want to transfer money from a Discover B ank Savings a cct. Spent time on line filling out application. At the end of the application process, was notified to call a service representative to fin alize the opening of the account. Called the representative and was on the phone for 15+ minutes with 10 minutes hold while they investigagted. Meanwhile I received an email stating the application was not accepted. I brought this to the attention of the respresentive who put me on hold for another 4 minutes and then came back and said I have to start the process all over again. When I ask ed why, there was no reason. I fillled out all the paperwork to the best of my ability. It was a mere transfer of funding from an internal account. I called to complain and find out why. No one could answer. My time is valuable, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint with Equifax Credit Reporting bureau on XX/XX/XXXX. I received notification that the dispute was resolved on XX/XX/XXXX. The dispute was concerning a public record from a judgement placed by XXXX case ( # XXXX ) which was filed on XX/XX/XXXX. It is currently classified as " satisified '' as of XX/XX/XXXX. This judgement should have never been placed on my credit report because it was filed and placed on my credit after I filed the bankruptcy and the bankruptcy was discharged on XX/XX/XXXX. I filed disputes with XXXX and XXXX and they both removed the judgement from my credit report. I contacted Equifax via phone and spoke with both a representative and a supervisor. The supervisor was rude and stated no matter what documentation I provide whether it is from a court or any other entity they would not remove this discrepancy/incorrect information from my report. I would like for this to be removed from my credit as soon as possible please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing LLC took an extra {$380.00} out of our checking account for the month of XXXX, 2015. Our normal payment is {$1700.00}, Green Tree upped the payment to {$2000.00}. We called and found out that a person with the same first and last name and a different middle name, home owners insurance was paid out of our escrow account. There was {$3000.00} taken out of our escrow and our mortgage payments were re-figured to cover the cost of the {$3000.00}. Green Tree told us we had to pay the extra {$380.00} to cover the amount taken out of the escrow even though it was their mistake. We canceled our automatic payments hoping this would be resolved by XXXX XXXX, 2015. Green Tree had n't collect the money from the other person by XXXX/XXXX/15 so we were required to pay another {$2000.00}. We sent a message to Green Tree on XXXX/XXXX/15. On XXXX/XXXX/15 {$3000.00} was put back into our escrow account. But Green Tree still owes us for the extra we paid in XXXX and XXXX. We were contacted by mail saying that they were looking into the matter and would get back to us in 30 days from the message we sent. We have never been able to talk to anyone other than customer service. Same with our attorney. The attorney called today and Green Tree stated that the money they owe us was taken care of when they deposited the {$3000.00}. back into our escrow account. 
This is the message we sent to Customer Service on XXXX/XXXX/2015. 
I just made another mortgage payment of {$2000.00} for XXXX mortgage payment. I also paid {$2000.00} in XXXX. The normal mortgage payment is {$1700.00}. This mortgage payment was increased because you paid for the other persons home insurance {$3000.00} out of my escrow account. When I look at our escrow account online, it does n't show any of the updated changes. I would like a detailed statement showing the changes. I would also like a check for the amount {$770.00} ( {$380.00} for XXXX and {$380.00} for XXXX ), to be refunded to me to cover the amount taken out of my checking account to cover your mistake. I am paying out of my pocket, for your mistake. This is n't right or just. I have hired an attorney and letters have been mailed and faxed. I have been told that the escrow account ca n't be adjusted until you receive the funds from the other persons account. Please have someone other than a customer service representative contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We originally had a loan with XXXX. It was serviced by Greentree for a while and now Ditech. We 've had a terrible experience with both Greentree and Ditech. 
In the past I submitted complaints about Greentree with the Department of Business Oversight.Therefore, I 'll limit this complaint to my experience with Ditech. We were making biweekly payments with XXXX and have continued making biweekly payments all along. Ditech apparently ca n't handle biweekly payments. I have spent countless hours trying to figure out what they are doing. There were a couple of months where my balance went up instead of down and they were charging late fees for electronic payments that were deducted directly from our account. As a matter of fact, they should have had excess money, as I recently started making additional payments to reduce the principal balance. Having the extra payment be applied directly to principal reduction is also a challenge. They hold the money in an unapplied funds account. I have to call to make sure they apply the funds towards principal reduction. Every time I call I get different explanations. 
Regarding the late fee, they said that the payment for XXXX XXXX, 2016 was returned. We checked our XXXX XXXX account and the funds were withdrawn. When I called back the new customer rep said that the funds for XXXX were there. Now he says the the XXXX XXXX statement was returned. This was not the first time they claimed a payment was returned and charged a late fee when, in fact, the money was withdrawn from our bank account. 
It is impossible to know how they are applying our payments as they misapply funds and they go back and reallocate the money. On the website you ca n't see the details unless you click on it. Which makes it extremely hard to see the full picture. 
I have requested numerous times an amortization schedule based on biweekly payments, and every time they send me an amortization schedule based on monthly payments. 
At this point I have XXXX confidence on ditech being able to service my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WE fell on hards times back in 2012, losing jobs, XXXX, XXXX etc. We took from our XXXX XXXX durning this time period. Family had to move in with us due to their own hardships, casuing our monthly expenses to go up. We just recently fell behind because of these situations. We understand that we can afford the mortgage we know we are at a 30 % debt to income ratio, had we applied durning the medical situations and unemployment the debt to income ratio would have been approved. Our primary mortgage has just been approved for a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: R & B Corporation of Virginia
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt is not mines and the company continues to place this account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Eagle Home Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX and XXXX were in the process of buying a property in XXXX, Florida. The process started around the beginning of XX/XX/XXXX and lasted until XX/XX/XXXX. The mortgage company was Universal American Mortgage Company ( UAMC ), and the loan officer that handled the loan was XXXX. The entire process lasted around 4 months. It lasted so long that we needed to provided the same information ( updated ) over, and over again. XXXX was XXXX, she was put on XXXX around XX/XX/XXXX. She had a XXXX on XX/XX/XXXX and was put on bed rest as well, she was XXXX weeks XXXX. Her XXXX was going to last until the XXXX which was going to be around XX/XX/XXXX. Because of her XXXX on XX/XX/XXXX she was put on bed rest until further noticed from her doctor. Because of the length of the approval process UAMC requested new payments information on XX/XX/XXXX. UAMC saw different numbers from the ones they saw around XX/XX/XXXX. XXXX and XXXX informed UAMC ( XXXX ) that XXXX was XXXX, that she was put on XXXX by her employee, and that she had a XXXX on XX/XX/XXXX. UAMC told us that they were going to disapproved the loan because of XXXX being on XXXX, best rest, and because of that reason she was going to make less money. UAMC told us the only way they will approved the mortgage loan was only if XXXX returned to work, provide proof of she being back to work, and also provide proof of her new payment information. XXXX did n't have other option than cut her bed rest and return to work by the end of XX/XX/XXXX. XX/XX/XXXX was forced to returned to work under pain medicine in order to get the loan approval by UAMC.

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 2017-01-05
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I only want Ditech to modify the loan to mortgage only with auto pay. I was told in the last call that they ca n't change the terms on a service contract. ( It 's not a service contract since it has been sold three times to banks before they got it. ) But in the next mailing, they sent me a modification contract to go from 30 to 40 years for me to sign. Why would I sign that? I have sent 6 copies of the same letter asking for the mortgage only change on three different platforms ( fax, mail and website ). They have responded to none.I will not answer their calls because the verbal abuse you get is not how I will be treated. 
All I want is the same contract they sent with the 40 year change to change the service terms to mortgage only with auto pay. 
Thank you.

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 2016-03-04
Company: Revenue Assistance Corporation dba Revenue Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collection agency " The Revenue Group '' called me numerous times. This morning they called again from XXXX and I answered. They asked to speak to XXXX XXXX, who is my XXXX year old mother. I told theM she was asleep and XXXX. The Representative XXXX XXXX asked if i would wake her up and i said no i would not and asked if i could help them as i am her son. She then explained that she was a debt collector and that my mother owed money to someone - I did not catch to whom - at this point I explained that she had violated the Fair Debt Collection Practices Act by disclosing to me a third party that : A. Who she was B. Who she worked for C. That she was a dept collector D. Who her client is She began to try to talk over me, insisting she had not violated the law. 

I asked for her name which she gave willingly, but I had to ask her a few times for the name of her company and she all but refused to give me her phone number saying " do n't you have it on your cell phone? '' I told her that the number that appears on my cell phone may not take incoming calls and that I wanted the correct number to her company, which after a few more requests she gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I spoke with XXXX XXXX from Green Tree Servicing. This is the company that bought my loan from XXXX XXXX. After trying for a year to do a short sale on my condo, I was forced to keep it because they would not agree to a settlement. After trying to negotiate with them for a year, I decided to rent out my condo because it was going to go to foreclosure. I do not want to keep the condo, and the bank is recognizing this problem, but they can not do anything about Green Tree. Consequently, they continue to ask for documents that they already have. THis has been going on for a year. They continue to harass me with telephone calls and tell me to go to relatives to borrow the money that I owe them. XXXX XXXX told me to ask my " sugar daddy '' for money. He said that they did not want to make an offer because I might have won the lottery without telling them. This was very disrespectful and uncalled for. I find Green Tree to be very unethical and practice bad business habits. Now, I am again back to the beginning with them asking for more documentation. Its just a vicious circle. I can not get an answer from them. I am submitting this complaint, so that someone will answer my questions. I just want a resolution, so I can proceed.

Company response to consumer: Closed with non-monetary relief