BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
DITECH FINANCIAL LLC., and XXXX are attempting to sale my home on the courthouse steps XX/XX/XXXX with an assignment that was robo signed XX/XX/XXXX by XXXX an atty that was attempting to foreclosure a few year ago. the assignment was created after the cut off date of the of the XXXX. According to section 201 of the pooling and service agreement had to be conveyed prior to this cutt of date of XX/XX/XXXX. The assignment is fraudulent ATTY XXXX was not the vice president of XXXX. HE WAS THE FORECLOSING LAWYER. XXXX signed a verified affidavit XX/XX/XXXX, and it was filed in SUPERIOR COURT OF XXXX GA XX/XX/XXXX. This affidavit was also recorded in the deed book. I have asked that my concerns be address, and this foreclosure be stopped for XX/XX/XXXX The cut off date of the trust in section 201 clearly states that this assignment should have been obtain before XXXX, also it contain fraudulent infomation, and fraud can not be the basics of obtain a deed. my main goal is to keep my house with an affordable payment to the write party

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Innovis
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit reporting agencies are incorrectly reporting my current account status as XXXX120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had an operation in XX/XX/XXXX and my insurance covered all charges. Received notification from the provider XXXX XXXX in XX/XX/XXXX indicating they were n't paid. Called immediately and gave them insurance info. Never heard back. 
XX/XX/XXXX ran my yearly credit report and found a collection agency had put negative mark on my report. Called agency and asked who they were representing, why they had never sent me any kind of written notification or called me. 
They claimed they had wrong address and claimed to have called me XXXX times, which was an out and out lie. I never received XXXX call or message from them. Told them by not giving me the opportunity to dispute the debt, and immediately reporting my account to the credit bureaus that they violated the Fair Debt Collection Practices act. They did n't seem to care I then requested they provide me with proof that their client, XXXX XXXX, had filed a claim with my insurance company on a timely basis, and what exactly I was billed for, and they refused. It is companies like this that give the whole industry a bad name.

Company response to consumer: Closed
Consumer complaint received 2015-10-05
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was paid off XXXX XXXX. I was told to expect my refund within 10 working days from our notary, who was previously an escrow officer. I called the mortgage company on XXXX XXXX was told that, by law, they would not be releasing my {$4000.00} escrow account balance for 30 days. That is totally unacceptable to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-12
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I filed for chapter XXXX bankruptcy relief on XXXX/XXXX/2015. My case was dismissed due to not paying my installment fee by due date. My case was re-opened. During the time that my case was dismissed creditor I am complaining against sent me another attempt to collect debt from a completely different company ( since they were included in my list of creditors ). I went to bankruptcy clerk to amend my list of creditors to include this company although they were originally listed as ECMC. About two weeks later I received an attempt to garnish my wages from the same company but using an address different than the one I included in my amendment. I should not be receiving any attempts to collect as I am under an automatic stay and have also requested an extension to my stay due to my case being temporarily dismissed and re-opened. I have been disputing the validity of this debt for 10+ years and this debt keeps being resold to different creditor companies.

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 2017-02-27
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from PLAZA SERVICES # XXXX. I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act 609 ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the following : 1. ) The contract Agreement between the Original Creditor or the original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.I want to request that PLAZA SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
MY SERVICER, DITECH, FORCED PLACED INSURANCE 8 MONTHS AGO, AND STILL CONTINUES TO COLLECT THE PREMIUM FOR IT, EVEN AFTER I PROVIDED PROOF OF MY EXISTING POLICY IN XXXX ( WHICH THEY ACKNOWLEDGED RECEIPT OF ) AND THEY HAVE NOT APPLIED A CREDIT. I 'VE CALLED 5 OR 6 TIMES TO GET THIS RESOLVED AND HAVE HAD NO LUCK GETTING THE SITUATION RESOLVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A XXXX XXXX Charge is showing up on my Credit Card. They were not authorized to put any charges on my Credit Card. I did go on their website looking at flights and cancelled the transaction and did not purchase anything. For some reason, they took the information input and charged my account. I called them within 24 hours to ask why they charged me and they would not return the funds even thought they were not authorized to charge the account.

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 2017-01-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have several items on my credit reports that have been disputed with Experian, XXXX, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others. The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request. I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation regarding the following accounts : 1. XXXX County Magistrate- ( XXXX docket # 's XXXX/XXXX/XXXX ) 2. XXXX- # XXXX 3. XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4. XXXX- # XXXX 5. XXXX- ( # 's XXXX,XXXX inserted XXXX with XXXX different amounts, XXXX ) 6. XXXX- # XXXX 7. XXXX- # XXXX 8. XXXX- # XXXX 9. XXXX- # XXXX 10. XXXX- # XXXX 11. 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 2015-06-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened a XXXX credit card account around in 2010 and I believe XXXX merited with XXXX XXXX. My XXXX MasterCard were paid in full and closed before I there were transferred to XXXX XXXX. At this time XXXX again Experian Credit Bureau is reporting my XXXX XXXX accounts with negative information. I reached out to XXXX XXXX and they stated that they will contact the reporting agencies again with the positive information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home was XXXX and fortunately I was able to sell it and pay the loan off in full. My closing date was XXXX/XXXX/15. I obtained a payoff from the attorney and have the confirmation of delivery in addition to them acknowleding that they had it and said they forwarded it to the mortgage company. They received the payoff in time. It was paid in full based on the payoff and Ditech has still not paid the loan off. They continue to pursue me via mail for collections and are now asking me for proof of Home owners ins. They actually owe me money because based on when the loan was paid off, it was over paid based on the good thru date and they owe me interest for those days. They also owe me money for the forced placed ins that the premium was paid in full for the year in the payoff and I did not use it for the full length of time. The via XXXX tracking # is XXXX check # XXXX for {$350000.00} sent to Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, IL 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 2017-01-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : Experian, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, 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 2017-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
My account has been on autopay and now Im 2 months past due and I have a late payment on my credit report. I was on autopay so I shouldnt be late. I didnt recieve a letter or call. As soon as I was made aware I paid the {$650.00} amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has been misapplying my mortgage payments since XX/XX/XXXX. Today I got a letter stating that my XX/XX/XXXX payment was unapplied, which is just another example of their lack of accounting skills. My account is a XXXX year fixed {$680.00}, homeowners until XX/XX/XXXX is {$120.00}, Taxes are {$1600.00}. Total monthly due is {$940.00}. I pay {$960.00} to avoid escrow shortage. Bank of America 's accounting is a scam to charge unwarranted fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Debt Management Incorporated
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was called several times by Debt Management Inc, they were claiming to be a debt collector and wanted me to verify my full social security over the phone. I chose not to do so as I 've had my identity stolen in the past. They claimed to have sent letters, which I never received. They also continued to call me in a harassing manner ( XXXX calls a day ), after I asked them to communicate through written correspondence. XXXX day, I received a voicemail, stating that they were going to file suit, had retained attorneys, and that I had XXXX hours to call them " or else. '' I notified the agent that I was recording the call, he said that it was unlikely that I was doing so, he also asked if I liked not paying my debts and asked if I wanted to go to jail. He hung up, called me back and continued to refuse to email me any sort of verification until I told him that unless I received an email of the debt ( ie : receipt ), that I would n't pay. Without my prompting, he said the last XXXX of my social security, current address, previous address, my full name, and other sensitive information without verifying who I was. After I verified the bill of {$60.00}, I asked to talk to his supervisor. His supervisor got on the phone, started to incoherently scream at me, and when I let him know that I 'd like to record the call, he started screaming that he could have me sued and arrest me if I was recording him. He also said that he could record me but I was n't allowed to record him. Not only was my personal information given over the phone, I was threatened XXXX to be arrested, but I was harassed. As somebody who pays all of my bills and with a flawless credit history, this was a scary and upsetting experience. The health clinic also stated that despite paying, they 've reported me as " refusing to pay. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
calls 3-4 times a day saying I owe a debt. I acknowledged that I owed the debt but still keeps harassing me. called this morning XXXX/XXXX/2016 at XXXX. and calls frequently through out the day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On or around XXXX XXXX, 2016 XXXX XXXX collection agency representative called my office seeking a consumer on phone number XXXX. 

Debt collection agency representative refused to give name of company and address to write cease and desist letter. 

Representative had wrong number in auto dialer system and continued to probe me as a third party despite the clear request for cease and desist information to be written per the FDPCA and similarly relating to Iowa debt collection law. 

Refusing to provide information is abuse and similarly did not resolve the issue of third party harassment. In relation to the same, the representative-agent refused to provide basic information about the company in order to conceal identities in relation to the nature of her debt collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
PORTFOLIO RECOVERY REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
The bank charged off the amount owed and then turned around and sold my account to a third-party called Portfolio Recovery. They call numerous times per day at my office when I have asked them not to. They have told me repeatedly that they can not sue me, but they continue to harrass me about the monies that were charged off. I was told by my attorney when we filed bankruptcy that a charge off is like a bankruptcy, it will stay on my credit report for XXXX years but not to pay anything on it, this all happened about XXXX years ago when I filed bankruptcy and paid the XXXX for about 12 months and then had it dismissed. I am in good faith paying my bills off XXXX by XXXX, however, my attorney said to ignore any of the ones that were charged off that they are moot. Between health problems, marital problems, having to move XXXX different times in the last XXXX years I absolutely can not take the stress these calls cause me and have asked this company to cease and desist all phone calls to myself and my husband as they are very disruptive when they call us during work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A credit card was taken out under my name when I was XXXX. I have disputed this and they continue to send me bills. They agency Portfolio recovery associates did not verify they were speaking to the correct person they just started giving me all the info. They were also very rude I was hung up on twice because they did n't know how to answer my questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After months of continued phone calls regarding a debt that my mother is adamant she does not owe, I sent a cease and desist letter to Portfolio Recovery Associates via certified mail, return receipt requested on XXXX/XXXX/XXXX. It was delivered and signed for on XXXX/XXXX/XXXX. The letter states that she disputes the original debt which was sold to them in XXXX from XXXX XXXX and was a debt from XXXX. So, regardless, the statute of limitations has been reached and unless they plan to take further action through the courts, they are to stop calling our home or sending collection letters. 

I have explained to them many times that she now lives with and is dependent on me after going through XXXX this year alone and XXXX. Today is XXXX/XXXX/XXXX and we just received a call from them and of course the person on the phone acts like they have no information at all about the certified letter or my mother 's health and communication issues. I have POA, but do not have time or patience to deal with the daily phone calls or to communicate with these people. It is upsetting to my mother every time she realizes who is calling and just trying to keep the fact from her that they are harassing us is a job in itself. I no longer try to get details from her, but I do understand when she is saying NO, NO, NO! By now, this company should have all of this information on file and leave her/us alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get calls, which I do n't answer, from this Collection Co on my cell phone and I do not have any debts. We are a home with old folks with XXXX and do not like to be disturbed. We do not owe them anything. Please stop the calls.

Company response to consumer: Closed with explanation