BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage servicer, Dovenmuehle Mortgage, has been escrowing our flood insurance, which is in the range of {$1000.00} per year. But the payment of the flood policy is included in our HOA monthly payment and our HOA pays the flood insurance annually. 

We had the same issue last year and I spent countless hours trying to resolve it with them. I was only successful after I filed a complaint with the CFPB. This year, I have to do the same thing. I can't believe that I have to spend hours each year to resolve such a simple issue. We are not even behind on our mortgage. Every payment is made on time. In fact, we are paid ahead. It's illogical that I have to keep having this fight every single year. I don't have time time to do this every year. I have a special needs child and a demanding career. It's simply unacceptable. 

At this point, the only acceptable resolution to this issue is to de-escrow the loan entirely. I can't have this battle with the servicer for the next 28 years. It's simply unacceptable. The HOA pays for the flood insurance. I am sick and tired of having to pay twice for this. I will simply not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: MONEY SOURCE, INC., THE
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that was transferred to the The Money Source from XXXX XXXX. Account XXXX I started covid forbearance with XXXX XXXX and requested to come out of forbearance. XXXX XXXX transferred the loan at that time. I was mailed a payment plan. The payment plan was XXXX dollars more a month than my orginal payment. Due to the fact that the escrow did not reflect my VA XXXX. However, the money source couldn't correct this amount until after the 3 months of payments. I paid the 3 months and they finally realized the amount was an over payment. 

Currently I am making payments still on the first of every month and we haven't executed a plan. I came out of Covid forbearance with my first payment in XXXX. 

While a have been making my payments, I would constantly get harassments calls about payments not getting made from XXXX XXXX. 

The latest issue with TMS is the fact that I have reported to the Credit Bureau that I have not made payments for 60 days and now my credit rating is messed up. XXXX to a XXXX and dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
See complaint  XXXX . Issue not resolved.  Ocwen omsbudsman kept referring to statements not present in Agreement  that was signed from GMAC. Today recieved same hard copy of letters of notice raising my interest iaw a step agreement. But nowhere in the agreement does it state that it is a step agreement, rather para.  4 sta tes a fixed rate for the life of the loan. Today the packet contains a letter that is a pre notice stating words to effect that  Ocwen i s trying to substantiate thier cause, it is dated  XXXX / XXXX /  XXXX  . I or my wife never recieved or had any knowledge of such a letter. This is the first time we have seen this letter, and it was never provided in any correspondence from Ocwen or GMAC prior to today. The letter is suspicious in nature in that there is no official letter head as in all other corespondence, Some of the writing is fuzzy and not of the same quality as in certain paragraphs and the ink in those paragraphs are definitely dark as to indicate that some one has super imposed writing over another letter. The letter is not signed by anyone. It just has a empty signature block stating  Loan Modification Specialist!  Any reference that this  XXXX  from GMAC is what appears to be a rubber ink stamp. I am giving Ocwen a chance to explain this obvious fraudulent letter. I will be forwarding all documents, especially this letter to appropriate Judical authorities for action! I ca n't believe that someone actually sent me this letter!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Clear Debt Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to you today as I am beyond out of my mind with the harassing phone calls I am receiving numerous times per day from this alleged collection agency, Credx Debt Recovery , LLC. They have also tracked down my father who is XXXX years old, my children, all XXXX of them, my daughter-in-law and her family and now friends that I have n't seen in years! This has to stop! It is utter harassment and the woman that is making the calls is as rude as can be, yelling at me, threatening to have me arrested! 




Is there anything that can be done about this? How do I make these unbearable calls stop? I am aware of the FDCPA law and am hoping that this can be enforced against these people. Anything you can do to assist me would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Walmart on 6 c onsecutive times sent damaged and poorly packaged products to my home. I filed a complaint with the BBB and got some help only to have it happen  XXXX  more times. I tried to pay off my account and the drop down box scrolled to  XXXX   XXXX   XXXX   XXXX  bank instead of  XXXX   XXXX   XXXX  which I had selected. A few days later I saw that  XXXX  returned the payment and charged me {$29.00}. I went back into m y WALMART  Credit Card and REMOVED the  XXXX   XXXX   XXXX  union from my payment options so that it would never happen again and payed with  XXXX   XXXX   XXXX . My account is payed off. Even though this is the first time it happened and I formally contacted both th e Walmart Executive Office and   Synchrony Bank the issuer of the credit of the credit card. Today I get a letter dated  XXXX / XXXX /  XXXX   that my payments were returned too many times? WHAT? Today I get a letter dated  XXXX / XXXX /  XXXX   in response to my formal complaint and explanation that everything is okay with my account. Today I go online and my account is closed for having too many payment returned. Say What?

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 2021-02-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2020 I requested forebearance due to Covid 19 hardship with Santander /XXXX ( mortgage holder is XXXX XXXX XXXX XXXX. 
Under CARES act when residential owner is requesting forebearance the payments are placed at the end of loan/mortgage terms. 

Santander/XXXX  continues to charge late fees, demanding monthly payments and threatening with foreclosure. 
When I call, I been transfered between reps and at all times hang up after hours being on hold! 

Also, under CSRES Act there should not be any negative reporting to credit unions. 

This entities needs to be investigated for not obeying the law.

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 2015-07-31
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had re-occurring payments scheduled to be taken out from my account every XXXX of the month. Payments have been continuing to be withdrawn from my account, last payment amount was {$260.00} on XX/XX/XXXX. I received a notification on my credit that I am 60+ days delinquent and now I am unable to do anything with my credit. It appears that my application had never gone through for the renewal of the interest rate reduction plan I was on and the same re-occurring payments from my previous plan were being withdrawn from my account which were no longer covering my minimum balance. I never received a call, letter or email stating this up until yesterday XX/XX/XXXX saying that my account needed attention. It turns out that the rest of the balance for each month had been spilling over to the next month since XX/XX/XXXX! I am outraged and now have no idea what to do. My co-signer is unable to obtain financing on a car now and has no car to drive. I have always been diligent with my payments and anytime I had a rough month I would call to make sure the payments were taken out in time before they would report anything negative. Normally I would receive a call from Navient if something was wrong and when I called today, the rep even admitted fault that they never made one phone call since XX/XX/XXXX. Navient has promised to have this resolved by XX/XX/XXXX, but every time I call they say it is still being worked on. Meanwhile, the payments are still being taken out and not covering the minimum payment because they have not fixed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   XXXX   XXXX   XXXX   pulled my credit three times in  XXXX  of   XXXX  .     I did apply to refinance my truck loan in  XXXX    XXXX   but, I do not understand why my credit was pulled  three times? For the same loan. I have disputed these with all   XXXX   credit agencies and within 24  hours I am being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my FICO score. The irony here is that  XXXX   XXXX  declined me for a credit line increase on my credit card because I had too many inquiries.         XXXX   :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX   Experian :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    XXXX  :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   XXXX   XXXX   XXXX   pulled my cred it three  times in  XXXX  of  2016 .     I did apply to refinance my truck loan in  XXXX     2016  but, I do not understand why my credit was pulled  three ti mes? For the same loan. I have disputed these with all  XXXX  credit agencies and wi thin 24  hours I am being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my   XXXX   score. The irony here is that  XXXX   XXXX  declined me for a credit line increase on my credit card because I had too many inquiries.       Transunion :  XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX  /2016      XXXX   XXXX    XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX /   2016    XXXX   XXXX     XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16

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 2017-05-09
Company: EQUIFAX, INC.
State: WA
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:
Negative item reappeared Im a little confused.  XXXX  months ago, I disputed the following previously deleted account as being inaccurate, and Equifax deleted it because the furnisher agreed with me.         But today, I went online and checked my credit and noticed that Equifax put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least  XXXX  days after placing this item back on my credit report. So why was I not notified? Because of your actions, I was denied credit. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine.     Please delete this previously deleted account within   XXXX   days of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have continuously tried to dispute this collection off my credit report because it is reporting negatively and hurting my personal life as far as being able to get approved for lines of credit and purchasing a home.  XXXX   XXXX   XXXX   XXXX  has yet to validate that I owe them a debt. In the paper they sent me it has a computer generated signature and not a original signature. It has not been validated and once before deleted off my report and as of  XXXX   XXXX  2017  it reappeared.

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 2017-05-09
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection ma de verbal promise that by us paying the debt, the debt would be REMOVED from all credit bureau 's. According to the my complaint filed yesterday, they have recordings.     We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by a point or  XXXX . As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points.     Which additionally, this substantially impacts my mortgage rate. Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial discrepancies in my  credit score.      Additionally now, CFPB prematurely allowed this issue to be closed, when  in FACT it i s no where near closed.     FOX notes, they have a recording. They have NOT produced a recording where I was present when I heard my wife confirm the debt would be REMOVED. I DEMAN D FOX TO  PRODUCE THE RECORDINGS which clearly exits the call confirming they WILL REMOVE the debt.     Secondly, I 've provided PROOF, t hat FOX HAS NOT REMOVED THE DEBTS. They are still listed on   XXXX   and  XXXX  .     I 've reattached for this complaint.     I will be calling CFPB in the morning to ensure this is left open  until FOX co nforms and fulfills their agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Diversified Consultants, Inc.
State: GA
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:
Diversified Consultants , Inc have consistently harassed me to succumb to paying a debt that I do not owe nor have any responsibilities to. They persistently report on my credit profile an account which other credit collection agencies in the past deemed erroneous and a mistake and have appropriately deleted and corrected with the XXXX major credit bureaus in my favour. 

This aggressive collection account which has been placed on my credit profile is hindering and encumbering my ability to secure any measurable employment. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
Dear Sir or Madam : Bank of America continues to erroneously assess late payments and interest charges to may account. As supported by all of the evidence, I paid my balance in full on time ; however, BoA, for unknown reasons, returned at least two payments made by ACH deposit. Finally, weeks later, BoA actually processed an online payment. Despite its numerous mistakes, BoA continues to send threatening letters to me and harass me by telephone and SMS. Please intervene.

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 2017-10-12
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: ALLY FINANCIAL INC.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was using Ally Bank Bill pay service to pay the monthly rent for my apartment. 
For the month of XXXX, XXXX and XXXX the rent has been paid using the Bill Pay. My account shows that money has been check has been delivered to the landlord and money debitted from my account. But my landlord is not accepting that money has been received. Finally I was put onto the eviction and I was told that I need to pay the month of XXXX 2016 rent with late fees? What 's going on? Who is right - Bank or this landlord. Today in the court this landlord said via his attorney that check has been sent to me via certified mail which I am yet to receive ... for more than 30+ days - i am showing the money has been debitted. I was out of country for almost 6.5 weeks so could n't follow with Ally Bank but they are saying follow up with the landlord. But the landlord is not willing to even talk - one needs to talk to the attorney. I end up paying late payment and unfortunately the original check money is also gone from my account. If money is debited from my account and check has been delivered but landlord is saying that they do n't have the money then where is the money?

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 2017-05-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I 've disputed multiple inquiries with Experian regarding   XXXX   XXXX   from from    XXXX   XXXX   XXXX    and   XXXX   XXXX   from   XXXX   XXXX   XXXX   as well.     Additionally I did not give   XXXX   XXXX   XXXX   authorization on   XXXX   XXXX   XXXX  . I was already a resident of the building that the credit inquiry came from.     There are also multiple abusive hard pulls from On-site  Manager  listed on my account from  XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  .     Each time I 've disputed with Experian the response came back the same saying that they were in fact authorized inquiries. Their findings do not show actual requested inquires from myself but from third parties that I am not associated with.     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers rather they are hurting customers.

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 2017-05-09
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contrary to the FCRA, as well as  XXXX  and  XXXX  credit scoring procedures, company has falsely reported multiple charge- offs, one each month since the actual single occurence, rather than the single charge off that existed, resulting in inceasing negative impact over time rather than decreasing negative impact over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My husband had a credit card with USAA. I was a authorized user of the card but never signed personally for the debt. My husband filed chapter XXXX bankruptcy. Usaa issued me a new credit card number, which they will not provide the full credit card number to me and transferred his debt to me. This was not my debt. I filed a dispute claim with the company but they did not answer my complaint. They call upwards of 20 times a week to collect this debt. I have talked to them and have asked to talk to someone who could make a decision or clarify there position. Sometimes I will be transfered 3 or 4 times. I need some help

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