BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage on XXXX XXXX on First Citizens Bank 's website. After I waited about two weeks for a response from them, I called them to figure out what happened with my application. From there, a representative told me that my banker was XXXX XXXX, and gave me his number. I called numerous times until he finally returned my phone call. I thought this would speed the process up to keep up the communication, but I have been chasing XXXX XXXX ever since. I have called numerous times, I get the run around on why I ca n't even get a pre-qualification letter to look for homes, he keeps asking for all of this documentation, and I even got his manager to push him and I still am here on XXXX XXXX with no answer. I am tired of waiting on an answer from them. I feel that if they were going to deny me, they could 've done that in XXXX, because they had more than enough relevant information then, but to put me through this for months, treat me differently than your other customers, and denying me the opportunity to go through the process is wrong. In their own process, it states I should have gotten the letter to look at homes months ago, but I am being told I have to go through the process before I even get to step XXXX, which makes no sense. I get no answers on why I am not even following their own process and still no answer. I just want someone to at least force them to give me an answer so I can just move on if it 's not going. Making me wait months is not the way to go about this, and denying me equal treatment feels like I 'm being treated unfairly. If this is how banks are operating after they caused the recession, no wonder house sales are so low. If this is how customers are treated now, no wonder they give up on buying a home and pay rent instead. That 's where I am right now, and I should n't feel this way when I have been given all of these reassurances with no results. I have more specific dates and times, but it 's going to take me time to compile all the times I tried to contact them with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: M.L. Zager P.C.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, 2015, someone identifying herself as XXXX from the Law Offices of M.L. Zager, P.C. contacted a third party about a medical bill. They contacted, by phone, a relative who lives in a different household and has nothing to do with my finances at all, asking about me and saying I owed them money. The phone number they called is not a phone number that has ever been associated with any of my accounts, so I do not know how they got it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Van Ru Credit Corporation
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Van Ru Credit Corp is continuing drastic collection tactics to collect for a debt I do not owe. I receive Social Security and they are threatening me. I need protection from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22
Company: BANK OF THE WEST
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went to XXXX XXXX XXXX XXXX in XXXX, CA to look at vehicles with the intention of financing through my credit union. It has been my understanding that per the terms of the Patriot Act, auto dealers can require a credit check before test driving a car while it allows them to give someone a rough idea of possible financing options without submitting a formal application for a loan. However, XXXX XXXX went beyond a basic credit check and giving me a rough estimate of what they could offer and applied for a legitimate loan on my behalf without my consent or knowledge merely to try and push a financing sale. They also did not provide copies of such paperwork per the requirements of California Law. I received a letter from Bank of the West days later saying that I had been denied a loan for an amount I also did not know about. Despite the fact Bank of the West is treating this as a legitimate loan application, they refuse to comply with their obligations as creditors to also providing copies of such loan as required in the State of California. This is a case of identity theft perpetrated by XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have NEVER EVER been late on my mortgage. I set up an automatic bill pay through my online banking and every two weeks they get a payment from me. I alway pay a little over and I am 2 weeks ahead. 

DiTech, the mortgage servicing company, misappropriated my payment a couple of months ago. I have called them on numerous occasions and each time they look into the record, they see what has happened, and tell me that they have to submit the issue to another department to rectify the problem ( place the payment in the appropriate account ). After a while, they begin to tell me how behind the department is and that is why the payment has not been correctly appropriated. However they still assure me that everything is alright. Then the following week I am getting emails and phone calls about the same issue. I am told the computer is automatically generating the calls and letters, but rest assured everything is okay. Finally I spoke with a Supervisor, who tells me that she sees the problem and that the previous advisors had not contacted the right person, she is going to contact the department head and I should not have any more problems. Now, I am concerned because they have started charging me late fees and my statements show I am thousands of dollars behind. 
The final straw was that I am now receiving letters from a collections agency, which greatly concerns me, because that means this is showing up on my stellar credit report. I am livid now, because we work hard to pay our bills on time, we work hard to keep good credit and to have this happen while they are getting my payments every two weeks is appalling. Can someone PLEEEAASE help me straighten out this mess! Please explain my rights or options.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2015-10-01
Company: Performant Financial Corporation
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received XXXX scholarship to go to school, however I lost it mid way into my XXXX year. They demanded I pay back all XXXX I owed them ( them being the XXXX ) which of course I did not have the means to at the time. It was sent to collections at which point it was tacked up to XXXX. The new agency refused my offer to make payments that I could afford and instead sent it to a new new collections agency after a few months. The new agency put a new fee on it, bringing it up to XXXX. Once again I contacted them and was told to enter into a repayment plan I would need to pay XXXX a month. If I ca n't make this new plan, it will likely be passed to a new collections agency and a new fee will be assesed. I only make {$14.00} an hour and my wages are being garnished, not to mention I 'm still paying off the federal loans I took out to finish college. I consulted with a bankruptcy attorney, but was told that it would likely not work due to the fact that the funds were used for educational purposes. I feel as though I will never get out from under this, or have credit for that matter. A college education was not worth this crushing debt. XXXX collections agencys seem to be completely unwilling to work with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: American Capital Enterprises, Inc.
State: CA
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 am disputing account number XXXX ( Balance {$160.00} ) with American Capital Enterprises because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted American Capital Enterprises to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Ditech Financial LLC
State: AR
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I, XXXX XXXX, act # XXXX, is making a formal dispute of the escrow analysis dated XXXX/XXXX/16. I would like a breakdown of the deficiency amount of ( XXXX ) and the shortage amount of ( XXXX ). 
I am enclosing a copy of the letter from Ditech that stated {$720.00} was paid for my taxes to XXXX XXXX XXXX XXXX XXXX. I am also enclosing a copy of my tax bills dated XXXX/XXXX/16 and XXXX/XXXX/16. 
Please take note of the enclosed My Escrow overview, distribution date XXXX/XXXX/16 for XXXX and XXXX/XXXX/16 Insurance only distribution amount {$720.00}. The same amount Ditech said they paid XXXX XXXX XXXX XXXX. I have my own homeowner 's insurance with XXXX. 
I would also like to have a breakdown of the XXXX XXXX XXXX of {$3100.00}. and the deferred balance of XXXX on my monthly statement that seems to change from month to month. 
Sincerely, XXXX Cc : Consumer Finance Arkansas Attorney General

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: BANKUNITED, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is a second complaint filed -- the initial complaint resulted in the bank rescinding the original foreclosure. We discussed the payment required to enter into a forbearance agreement. The original amount discussed was significantly lower -- the amount that was offered by the bank was eventually much higher and the funds were not available to make such a payment. We agreed to sell the family home after making certain renovations : those renovations ( about 80 % ) were made at a cost of over {$40000.00}. We began listing the house a short while ago. It was our understanding that the bank would give us the time to try and sell the house at a reasonable valuation. The listing price was almost XXXX % below the tax appraised value -- I think it showed we were serious about selling the home as quickly as possible. A great deal of work went into the staging and removal of most personal items to a storage center. 

We were scheduled for a realtor open house last weekend when a stranger knocked at our door saying the property was listed in the paper for foreclosure just a a little over a week away and wanted us to retain him to fight the bank -- we declined. A couple of days later a letter arrived from the Bank 's law firm saying the foreclosure was re-instated and scheduled for XX/XX/XXXX. The bank officials with whom we had discussed the forbearance, etc.had out emails and telephone numbers -- they made no attempt to contact us an alert us they were moving in this direction. We in good faith made several investment renovations decisions in the prior week, including purchasing new counter tops and appliances for the kitchen and replacement windows. It appears that this investment has been for nothing and we will lose these money. The auction will only bring an amount close to the banks loan/lien and we will see $ XXXX - $ XXXX of equity disappear. 

Given our willingness to list and sell the house at a discount, I think it would only have been right for the bank to provide this time. Also they should have communicated sooner that they were moving forward with the foreclosure so we could have stopped investing in renovations to the home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When a borrower pays the monthly loan amount in excess of the minimum payment requirement, Sallie Mae " holds '' the excess money and applies it to the following month 's minimum monthly payment ( which reduces the amount owed for the next month ), as opposed to applying excess funds to the priniciple balance of the loan as the website states. In order for Sallie Mae to apply overages to the principle balance, one must be enrolled in automatic debit. However, this is not conspicuously explained on the website, nor does the payment allocation example provided mention this requirement. I have been paying a little more than the minimum monthly payment under the assumption that the excess would be applied to the remaining principle balance of the loan, hoping that my little overpayments will decrease the balance of the loan slowly but surely. To date, I 've re-paid over {$5000.00} on a {$15000.00} loan, yet have a remaining balance of almost {$17000.00}. This payment allocation system deceptively allows for only accrued interest to be paid on the loan, keeping the principle balance high and untouched, which allows for more interest to be added onto the loan balance. This is unfair, egregious, and unconscionable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My complaint concerns compliance with the Home Mortgage Disclosure Act. By section 1003.5, I can request HMDA data directly from a lender after XXXX XXXX, and expect to receive it back within 30 days. 
I requested HMDA data from Quicken Mortgage on XXXX XXXX, 2016. I have not received a response. I followed up by telephone on XXXX XXXX. The company routed me through many different departments and then hung up on me. All along, their response [ paraphrased ] was " let us see about your request and if it is our policy to fulfill it. '' I would like to receive their HMDA data. Also, I asked for any HMDA data related to their subsidiaries. I believe they have a subsidiary named XXXX XXXX, XXXX. If that is a part of their institution, then I would like to receive that data as well. I would like the data in excel, .data, or text file. I am certain that they keep their information in a digital format, so that should be an easy means of executing on this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, XXXX XXXX XXXX refused care to me as a patient because she felt I owed her money even though I was up to date on payments based on the itemized billable account ( see attached billing ledger from her office manager, XXXX XXXX ). 

Even though it was BEYOND what was due, I paid the {$300.00} bill in full to the penny on XX/XX/XXXX. I have attached copies of the receipt of payment and email confirmation thank yous for full bill payment from XXXX XXXX and XXXX XXXX, the doctor 's office managers. 

In addition to attached copies of the ledger from XX/XX/XXXX, I have attached evidence of yet an additional payment I had made of {$150.00} on XX/XX/XXXX prior to the XX/XX/XXXX {$300.00} payment. The truth is : I paid WELL BEYOND what was due on the account according to the XX/XX/XXXX ledger balance. 

I did not see the doctor in XX/XX/XXXX AT ALL because the doctor still refused services to me after I paid my bill in full on XX/XX/XXXX. After I paid my bill in full on XX/XX/XXXX, she abandoned me as a patient despite the fact that I had a time-sensitive FDA regulated XXXX. It took me four months to receive much needed care and refill the XXXX. I was XXXX by this doctor when she refused patient care to me and yet I have not yet taken any legal action against her for my XXXX ( although I should ). 

TWO YEARS (! ) later, in XX/XX/XXXX, XXXX XXXX XXXX reported a collection of {$42.00} ( {$51.00} with interest ) to my credit bureaus -- over and beyond the final bill which was paid. This is fraudulent billing -- my account was paid in full in XX/XX/XXXX for {$300.00} and I have the receipt along with email confirmation that the bill was paid in full by her office manager. 

I have tried to contact the doctor 's new office manager 17 times to resolve this issue and he continues to hang up on me. I have asked for the doctor to call me back ten times and she has n't returned my calls. I have even tried to connect with the doctor on XXXX to reach her but she has rejected my invitation. I have tried to call the respective collection agency phone number listed as reference for this account on my XXXX credit report, and their number is " out of service. '' XXXX XXXX XXXX is a bad doctor with illegal billing practices. Her team has zero concern for patients or resolving patient billing issues fairly. She fraudulently charges patients and her billing procedures need to be investigated. 

Despite providing documentation about this issue in great detail including receipts, email confirmations, and more to XXXX, they refused to remove the Collection from my account. Both XXXX and XXXX have removed the Collection from my accounts, declaring it to be fraudulent billing. XXXX XXXX XXXX still refuses to take my calls and the phone number of her " collection agency '' is disconnected. 

Please help me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, Midwest Recovery Systems, LLC reported a balance of {$400.00} owed to " XXXX '' on all XXXX bureaus. Says the original creditor opened the account on XXXX XXXX, 2016. I have no knowledge of this account, and I have never once in my life had anything in the amount of {$400.00}. I have never received written or telephone contact from anyone notifying me of this so-called " debt ''. I have been watching my credit like a hawk as I 'm going to be going into the mortgage application phase within the next month. This reporting of this unverified, fraudulent debt has caused my XXXX to go down over XXXX points. Per the federal rules for debt collection, I must be notified with this debt and given the opportunity to dispute or negotiate this debt with a creditor before it is reported as an unpaid debt. I have NEVER been told of this debt. It needs to be removed from my credit reports immediately, and Midwest Recovery Systems, LLC must be held responsible for reporting false information and not following federal debt collection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Account Control Technology, Inc.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am being garnished by a collection agency identified as Account Control Technology. XXXX, CA. XXXX. The above listed company failed to notify me regarding the intent to garnish my wages. As a result this garnishment has caused financial hardship leading to an intent to evict from my apartment and loss of medical benefits. I have a medical condition that could cost me loss of vision and have been greatly stressed over this financial hardship. The company has failed and refused to send me legal documentation regarding the nature of the loan. The company initially identified itself as part of an Obama program and in association with Federal loan servicing, after doing much research this company is not a part of either program. They did not identify themselves as a collection agency. I am facing the loss of my home and XXXX because the garnishment is causing a financial hardship. They keep trying to get me to agree to a verbal contract. I have requested written documentation and as of this date have not received any legal documentation from this company. I do not understand how anyone could expect me to agree to a phone contract when they have been deceptive in their approach and are refusing to send legal documentation. I realize that their only concern is to make a profit for themselves but this should not cause me to become homeless or loose my XXXX. My housing and XXXX are very important. I have been on the XXXX because I can not understand how a company could garnish wages to cause homelessness and XXXX. There are many options regarding students loans that could have been utilized had I been given the chance. Your consideration in this matter is greatly appreciated.

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