BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan went into foreclosure due to my being in an accident. I was placed on a repayment plan to get the loan out of foreclosure with my first payment being due in XXXX 2016. I made the first payment with no problem. The second payment was due on XXXX XXXX and I made the payment on XXXX XXXX. I overnighted the payment on XX/XX/XXXX and it was received on XX/XX/XXXX. The XXXX was a Friday so I called on Monday to make they had received the payment and posted it. I was told that my repayment plan had broken on the XX/XX/XXXX. I asked why did the plan break and they advised due to non payment. I then asked how many days after the first do I have to make the payment before the plan breaks as the payment was n't even 30 days late. I agree it was n't made on the XXXX but I have never heard of a plan breaking after 18 days. The mortgage company stated to me that there is no set date for the plan to break, just whenever they review it and see there is no payment made. Also let it be noted that I have spoken to them several time during the month and not one person told me that the plan would break on XX/XX/XXXX. I thought I would have at least 30 days before the plan broke. When I spoke to the company on Monday the XXXX I was advised they would try to restart the plan and asked me when could I make the XX/XX/XXXX payment. I advised I could make the XX/XX/XXXX payment on XXXX XXXX. On Tuesday the company called me and stated they could not restart the plan because the plan broke on XX/XX/XXXX and the payment I made on XX/XX/XXXX would be sent back to me. 
I have worked in mortgage servicing for the last 14 years and I have never seen a repayment plan break in less than 30 days and this one broke on the 18th day. Furthermore this was my first repayment plan, and to also refuse to set the plan back up with an explanation that the payments have to made by so many days after the due date or the plan will break is not fair. Especially when I sent the payment in, certified funds, and now they are just down right refusing to accept the payment and are sending it back. 

I am someone trying to keep my home and to just refuse to accept the payment and send it back is not right. I could see if the payment was not made in XX/XX/XXXX but it was.

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 2015-06-30
Company: CREDIT BUREAU OF NEW ULM, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this was from identity theft and is fraudulent needs to be taken off asap i gave a copy of my police report and ftc id theft affidavit outlining the id theft

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Focused Recovery Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a copy of my credit report and noticed some erroneous items on my credit reports. Focused Recovery Solutions is handling the collection of the accounts mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Focused Recovery Solutions and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Focused Recovery Solutions entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

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 2015-08-23
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX called me being rude screaming at me and continual calling me after i told her to stop and XXXX XXXX the supervisor will not give me recorded call info so i can report the horrible and mean service no one wanted to help me after all I have made my payments on time and wanted to set another arrangement but I did have quistions to ask and that made XXXX mad all she wanted was my card info and did n't want to give help then again on XXXX she called me screaming her lungs out at me I had to hang up I refuse to be treated bad and so disrespected

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Di Tech has done several things to make it difficult to be a good customer. One, when making a payment by phone, they will not immediately apply the payment amount, especially if you call on the due date, they will take as long as seven days to apply the amount so that they can collect late fees. Another, we wanted to get back on a bi monthly payment schedule that Di Tech discontinued when they acquired our account from Green Tree, in order to do that, you need to pay one month in advance. We did that and they misapplied our payment to the escrow account, and they refuse to correct this issue. One thing led to another and now they are reporting us as delinquent on our mortgage payment. When we talk to a representative, they deny there are any issues, the mail and the credit report says otherwise. We are working on getting Di Tech out of our lives but I would like to see them straighten out this mess and remove the derogatory information in our credit report.

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 2015-07-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through Wells Fargo Financial. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the XXXX XXXX XXXX XXXX XXXX XXXX and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.

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: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS MEDICAL BILL WAS COVERED BY A WORKERS COMPENSATION INJURY, THE HOSPITAL HAS BEEN PROVIDED WITH ALL THE NECESSARY CLAIM INFORMATION.THEY HAVE SENT IT TO A COLLECTION AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company has tried twice now to add mortgage protection insurance to my loan. My original contract did not include this in the escrow account. My original contract included homeowners insurance and county taxes. My original payment was XXXX. Ditech has now increased my payment to XXXX because they claim the escrow will fall short. The escrow account has not fallen short ever in the time of the loan. The homeowners insurance nor taxes have increased. In fact the taxes will decrease this year. I have been trying for the past 3 months to resolve this issue with them directly. I have been told every month I have to make the payment that I 'm told to make otherwise I will be charged a late payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Company has hijacked my property taxes! 
My husband and I purchased a home almost 10 years ago and used XXXX XXXX XXXX for the mortgage. A few years ago, my loan was sold to a company named SLS ( Specialized Loan Servicing ). We obtained a 7 year arm with no escrow of insurance or home owner 's insurance. XXXX years ago, I went online to pay my yearly property taxes one month late, and noticed the balance was XXXX. Come to find out, my mortgage company requested my bill from my city/county government and paid the tax bill and started escrowing my mortgage account. I mailed them the money for the tax bill amount to settle my escrow account with them, but they did n't post the payment and were holding the funds in some sort of " suspense '' account. This also made my mortgage payment look delinquent, so they have also reported my to the credit bureau for being 30 days late on my mortgage payment. All because they were holding monies in " suspense ''. I called and tried to straighten it out, but they were very rude and unhelpful and I never got anywhere with them. This company is NOT a good company to deal with and I would never CHOOSE to do business with them. I 've read complaints all over the Internet about them. I do n't seem to have any rights when it comes to this situation. I continued to make my payments to keep things current so that they do n't try and take my house. I went online last year to make my tax payment which is due on XXXX XXXX, but they had already paid it again, but 2.5 months early, so they hijacked it again!! This year my tax bill came early in XXXX, so I 've already paid the bill myself, which I have attached here. They are demanding escrow when my mortgage contract signed with XXXX had " NO '' escrow terms. I want to pay my own tax bill as I have done for almost 10 years with no escrow. They are escrowing several extra months as well! Again, this company has hijacked my property tax bill for the past 2 years and forcibly added an escrow account to my mortgage and I need help rescuing my monies being held in escrow and to restore my mortgage to it 's original terms. Can you help?

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 2016-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Other

Complaint:
I have a credit card account with Capital One and they are not Reporting my payment of {$470.00} on my account there showing I owe {$430.00} but It should show I have a XXXX Balance on Credit Card Account. 

By not showing my payment they are effecting my Credit Score And I am not able to apply for things I need on Credit. I want You to force Capital to reflex my payment and to Close my Account showing I paid in Full. 

I know longer want to do business with such a Despicable company. 
Capital One is Dishonest and they hurt their Customer Credit Scores. 

Waiting to hear from you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted XXXX PAYMENTS on XXXX separate occasions several years ago on my 30 year mortgage. Instead of giving me instant credit on those payments the Mortgage Servicer XXXX, simply gave me credit as the mortgage came due. 

I have PAID OFF MY MORTGAGE. However I believe it should have been paid off a month earlier. GREENTREE refunded part of my escrow in the amount of {$1500.00} which I find strange, on XXXX/XXXX/2015. 
I asked the GREENTREE MORTGAGE FOR MY DEED on XXXX/XXXX/2015 and the woman answering the phone said under Texas law they had 38 days from XXXX/XXXX/2015 to send me the lien release WHICH I THEN AM SUPPOSED TO TAKE to the tax appraisal district and obtain the FREE AND CLEAR DEED to my property. 
The trouble is TODAY IS XXXX XXXX, 2015, I have yet to receive my lien release. 
The representative of GREENTREE said they merely mail it by regular mail and she claimed it had been mailed out on Tuesday XXXX XXXX and that I should allow 7 to 10 days. 
That tells me they did not mail out the document which represents title to over {$100000.00} and I request that your office investigate, the failure to give me proper credit on the monthly accelerated payments years ago as well as resolve their failure to give me a lien release.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Firstsource Business Process Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not dispute that I owe the debt. My complaint is that the agency calls multiple times/day and several days/week which constitutes harassment. They will call XXXX times within XXXX or XXXX minutes. They call, hang up with no message and call right back and will do this multiple times/day. I have also requested that they not contact my employer and they have done that after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing to you regarding my current mortgage with Ditech. My husband was laid off temporarily XX/XX/XXXX - they told us they did not have a program for his situation at the time to help us out. We fell behind and my husband went to work. I had hired a lawyer who had promised me the HAMP loan but after a couple of weeks he said we were not approved for that. He did a loan modification in which I was on a 3 way conversation with ditech rep XXXX and was promised the same rate I hade which was 3.75 % - 2 days later I received paperwork that said it was switched to 4 %. Ditech woull not take my calls until I released my lawyer - I did everything Ditech requested, I sent a certified later that was notarized and til as of date they will not return any of my phone calls I have left message after message to try and resolve my situation and no one will talk to me. I am now in foreclosure which I feel they did intentionally. I have XXXX children and I do not want to lose my house due to a company that intentionally does not answer certified mailings or phone calls. I would like help with this situation if you could please.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: ECMC GROUP, INC.
State: KY
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:
ECMC Which I have never taken a loan from are historically and repeatedly destroying my credit report after being paid in full years ago. My Original student loans were from XXXX XXXX and then sold or transferred to XXXX different collection company 's ECMC being XXXX of the company 's involved. I paid all student loans off and after being paid ECMC appeared on my credit report. I have tried to contact them and ask for an original contract to show that I had a loan through the company. I never received any response. I disputed this with the XXXX credit reporting agencies and it was deleted from my XXXX file for lack of proof 2 years ago and last month ECMC decided to change all the open dates and amounts to look like a new account and re reported to the collection agencies. It is very difficult for me to get any information from this company about the accounts in question and I would like them deleted from my credit reports immediately.

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 2016-05-05
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am one of many customers of Ditech mortgage company that toke the money from the mortgage and report that they never received. On XX/XX/XXXX after refinance the home with Ditech I send my first payment of {$2200.00} trough my bank on bill pay to make sure everything was OK. On XXXX XXXX the collection department call me at work and say that they never received the payment and that I need pay immediately if I do n't want any late payment on my credit. They also told me that my Bank had the money. I pay my payment immediately and call my bank to make sure they release the money. After hours on the phone with the bank and 3 way call with ditech we finally realize that Ditech apply the payment to a different account that was not my and never fix the problem. My bank release the document to them on XXXX XXXX that state and confirm that Ditech had this money apply to a different account and that should reimburse the money back to me. After almost every day call and spoke with multiple supervisor and XXXX they told me that will process the refund on XXXX XXXX and should take 3 to 5 business day to get the money back to my bank account. Today is the 6 business day and not money when back to my account on not one call me back for update on my account status. This is the worse customer service I had and I am upset that they have my mortgage for many years. Their excuse was that they change the system and all the account got changed. I received XXXX bills from Ditech on my address with XXXX different account numbers. How a financial institution can make such a mess and do n't fixed in time so customer do n't need pay the expense. Collection department now call me at work for my next payment when they own me one. I will continue to escalate this matter and follow all the process. I also record all the conversation with them to make sure that I have everything on file. I want my money back before I pay the next payment and should give me interest because they hold my money for 36 days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/2016 I contacted the Ditech Mortgage to find out where to send a check from the insurance company due to a fire claim. The representative told me to send it to a XXXX Illinois address. It was received on XXXX/XXXX/2016 at XXXX XXXX by XXXX XXXX. On XXXX/XXXX/2016 I contacted Ditech to make sure the check was received and the rep told me yes, but it went to the wrong address. The rep assured that it will be okay but claims will need to forward the check to the claims department to be processed. On XXXX/XXXX/2016 I contacted Ditech again because my account on the internet did not reflect any activity. Again I was told by a rep and management that the check will be posted on that day. After checking my account on the internet again on XXXX/XXXX/2016 with no activity I contacted Ditech to be told that it will take 7 to 10 business days to process by claims department and then sent back to payoff on XXXX/XXXX/2016. to be processed and check should be mailed the following week. On XXXX/XXXX/2016 checked the internet no activity contacted Ditech and to sum it up every call I got a different answer and empty promises. I continued to check the internet to find no activity so I contacted the XXXX which is a subsidiary of Ditech LLC. I spoke with XXXX XXXX and he referred to upper management on XXXX/XXXX/2016 XXXX XXXX Ext XXXX. XXXX stated the payoff was expedited and we show paid in full on XXXX/XXXX/2016 and I confirmed paid in full. However, XXXX stated if it showed paid in full he will expedite and contact me on Monday XXXX/XXXX/2016. On Monday I spoke with XXXX and customer service in reference to the payoff being incorrect. Instead of back dating the date of receipt it was dated as of XXXX/XXXX/2016. XXXX which upper management for compaints stated that he will look into it and call back and I have not heard back from him until this date. The company will try to tell you that I have cease and desist on my account. However, I had given XXXX permission to contact me in reference to receiving funds. I asked been asked to send letters and i have complied and now I am told that I have 30 days of posted payoff. My family and I have been through enough with the house fire and waiting on the insurance company to pay for the loss of my home. This is undo stress on myself and family. Please take this message as a sense of urgency due to my family and I not having home. I have lost bids on several homes due to not having sufficient funds to pay for a new home. Please see attached documents and audio to document my claim.

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