BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to request your assistance in getting the PMI off my mortgage loan. 
In XXXX, with the help of my family, I bought a home for myself ( a single mom ) and three sons The mortgage was in the name of XXXX & XXXX XXXX ( my sister and brother-in-law, with my name on the title ) ; the amount of the original mortgage was {$120000.00}, including home owners insurance, interest and PMI. 
At the time of the closing, we were told the PMI would be automatically dropped once I established a consistent, timely, and good payments ; probably within two years In XXXX, the housing market fell, and like many homeowners I now owed more than my house was worth Unlike many homeowners ( or banks ), I did n't walk away from my responsibility I kept making payments However, now the PMI had a new rule : the house had to be paid to 20 % of its original worth, in order for the PMI to be dropped. Since my house was now worth little more than half of what we originally paid, this goal was no longer an option. 
In XXXX, we refinanced {$97000.00} for a lower interest rate The lender was Green Tree Servicing LLC, XXXX, XXXX , XXXX XXXX, MN XXXX Account # XXXX. Again we were told the PMI would automatically come off after a history of payments was established. After refinancing, we also put an upstairs addition on the house, adding XXXX bedrooms and another bathroom, paid for with my own money. 
In XXXX, my loan was sold to and is currently : Ditech, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX. Monday-Friday XXXX ; Saturday XXXX XXXX Account # XXXX. 
My Mortgage started at {$120000.00} today the balance is at {$77000.00}. In fourteen years, I have not missed a single payment, nor was I a single day late. In fact, for the past two years, I have been putting approximately {$100.00} extra a month on the principle of my loan. 
This time when I called to have the PMI removed, I was told I would have to pay {$1000.00} to have one of their appraiser 's come out to access my home. This is almost equivalent to a year of PMI! My understanding has always been that the lender would drop the PMI automatically, when the balance of my mortgage fell to 80 percent of the original value of my home. 
I feel victimized. There does n't seem to be an end to the PMI on my mortgage. The finish line keeps getting pushed away. The rules keep changing. 
I would greatly appreciate your assistance in this matter. If you need additional information please call me at ( XXXX ) XXXX. Or email me at : XXXX. 
Is n't it odd that my mortgage was sold to a company that exists at the same address as the previous company?? 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with XXXX for at least a dozen years. A couple months ago, they transferred it to Ditech for servicing. I am not, nor have I EVER been late on my payments, yet every communication I receive from them tells me " this is an attempt to collect a debt. '' I sent them electronic correspondence about this on XXXX/XXXX/16 ; a month later I got a letter stating that they were still researching and I would get a response soon. When the response finally came it was a generic " Apology '' letter that said : Thank you for bringing this matter to our attention. We regret any dissatisfaction you felt regarding the service provided. Please be assured, appropriate department management has been notified, and has addressed the issue accordingly. '' And at the end of the letter was the " this is an attempt to collect a debt '' disclosure. It 's obvious that my complaint fell on profoundly deaf ears. Is Ditech allowed and/or required to tell me that, even when I 'm not in arrears? A customer service rep told me that a mortgage is a debt, so they can say that even when payments are current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Ability Recovery Services, LLC
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XX/XX/2009, I went through a divorce my husband took everything. Looking to better myself I signed for some online courses. Came across the online school XXXX XXXX. I spoke with a representative, ask questioned like was the school accredited?. All my questions were answered falsely. They told me school was accredited. Signed up and I found out the next day, that the school was not accredited. I was not happy about that and I called to cancel my classes. I was told that my classes would be cancelled since I have been in classes for less than 7 days. They told me I could withdraw as long as XXXX % of the course work was not completed. If I recall correctly I only completed XXXX % of the work. I attended another local university and never logged on again. Now I am in a position to buy a home and this XXXX XXXX XXXX is on my credit report preventing me from doing so. I have called XXXX XXXX they told me they sold my account and have no information of my case. So I called the collection agency and they told me that they only have records of me attending for the one day noted above but they could not take it off my credit report and I need to pay them the XXXX. 

If I had in fact completed that course I would have no problems paying the money, But I did n't. Furthermore it 's really sad that organizations like this exists praying on the weak and less fortunate. Who in there right mind would spend time and money on a course that is not accredited and you will not be able to gain employment afterwards?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I saw a notification that on XXXX XXXX {$2500.00} was transferred into my Santander, bank account, using a mobile application, from an unknown institution. I also got notifications that my username and passwords were changed and that two new payees had been added to my account and that password had been changed a second time. In addition, 6 external transfers had taken place, a total of {$2800.00} I went to the bank that morning and was told not to worry, that if it had nothing to do with me, I would get refunded the money. The bank gave me a copy of the check and a transaction printout and told me to go and report it to the police. The police told me that they could not file a report as the bank had not given me enough evidence. 
On XXXX XXXX I went back to the bank and they told me they would file a fraud report and it would be investigated. 

On XXXX XXXX, my mother went to the bank as her ATM card was rejected and was told that her bank account, which had a balance of ca {$10000.00}, was frozen and it would remain frozen for 60-90 days until the investigation was over. If she wanted access to her remaining money she had to refund the {$2500.00} to cover the declined check. My bank account covered the remaining {$300.00} of the transfers. 

XXXX, in XXXX XXXX, was on the phone with the Santander Fraud Department who advised him to withdraw the money from my moms account including a fee of {$8.00} so that she could get access to her money. She had no choice but to agree. 

On XXXX XXXX, XXXX my mom called the Fraud Department and was told by the employee who told XXXX to charge my mom, that it wasnt the bank 's problem and when asked what her name was she refused to give her name and hung up. My mom called and reported the incident to a supervisor ( ref XXXX XXXX employee id XXXX ) and she was not very helpful or nice either. 

The banks guidelines are that one can only transfer {$1000.00} a day so it is strange that a un cleared check of {$2500.00} can be transferred out of the account the following day. 
I am convinced that we received such appalling treatment because I am only XXXX years old and we are XXXX and nobody really cared that I was the victim of a fraud. I have also reported the fraud to the institution who issued the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Empowerment Ventures, LLC
State: CT
Product: Prepaid card
Sub-product: Payroll card
Issue: Adding money

Complaint:
My name is XXXX XXXX i have a rush card, I went to XXXX to had money to my card I did XXXX cash deposit XXXX for XXXX dollars and the other was for XXXX. And I never got my money on my card. It 's been 3days ever since Friday. I have bills that is due by a certain time and every time I call rush customer service there is always a long wait with no answers. My money is missing and I wan na it now. I have XXXX plus a grandson so I need my cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: Collection Bureau of America Ltd.
State: OH
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:
XXXX placed my previous electric account with Collection Bureau of America. The original placement amount was {$1200.00}. I 've made several payments further reducing the debt to {$710.00}. After review of the previous XXXX account statements. My final bill was not calculated correctly. As of today, I 've not been able to get anyone in the XXXX final bill unit to return my calls. The collection company is still pursuing the collection and now stating that even though I 'm under a payment agreement that this will still be reporting onto my credit. This is not fair business practices as I 've been on the phone with them every single time they have called.

Company response to consumer: Closed
Consumer complaint received 2016-08-16
Company: JH Portfolio Debt Equities, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am buying a home and on my credit bureaus there is a collection for a company named J.H. Portfolio Debt Equities, LLC. I called to clear up this matter and was told it was not being handled by them as they are a buyer of debt not a collection agency and they referred me to XXXX XXXX. XXXX XXXX states they are just a call center that distributes debt collection to various agencies and I needed to contact XXXX XXXX XXXX which I did and settled out this debt on XXXX XXXX, 2016 and was told it will be deleted once updated. I received a letter from XXXX showing it was paid and that there is a zero balance but apparently they do not report to the credit bureaus and they said I needed to contact the original creditor which is J.H. J.H. is being impossible to deal with and refuses to provide accurate information and states that they will not provide me a letter stating it has been settled in full. They are continuing to report this as open with a balance due. I have spent weeks attempting to resolve this and J.H. will not return any messages and told me that they are sorrily with how they are handling this. In the meantime I am losing the house we are trying to buy and my family is going to be homeless in less than 2 weeks. I have begged them to just give me a letter stating that they are not a collection agency and who the agency is because the bureaus will not accept a letter from XXXX because they are not the ones reporting on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: The CMI Group, Inc.
State: OH
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 have an unverified account from CMI. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI Provide verification of the following : 1. 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 CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2016, the credit bureau XXXX notified me that potentially negative information had been posted to my credit report. I checked my credit report and found that JH Portfolio reported my account as " seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department, '' with the information " Terms '' of " 1 Month, '' and that it is an installment of {$410.00}. This company has not provided me with notification of the right to dispute before reporting to the credit bureau.

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 2016-07-18
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a medical bill from XXXX XXXX / XXXX XXXX XXXX for XXXX. Enough I was making monthly payment, XXXX XXXX / XXXX XXXX still sent my account to a collection agency. My account was referred to XXXX. I continued to make monthly payments and paid off the account in XXXX, 2016. All payments were made to XXXX. I actually over paid by {$14.00} at which time I called XXXX regarding my credit on XXXX XXXX, 2016. I was informed by XXXX that I did have a credit and I would receive a refund in the amount of {$14.00}. My refund was processing and I should receive my refund by XXXX XXXX, 2016. I did not received my refund. I called XXXX to inquire about the refund and I was informed that my account was transferred to Credence Resource Management and given the phone number. I could not get an answer from XXXX as to why my account was transferred or on my refund. I called Credence regarding my refund. I was informed that Credence had to research further and to call back. I waited a week to call. When I called back, I was informed that no research was done regarding the refund and more time was needed. Again, I waited about a week. When I called back, I spoke to manager " XXXX '' and although there was credit on my account, Credence needed to research and contact the " customer ''. As of today, still nothing has been done. XXXX and Credence both verified that I am do a refund. I am being refused my money back. 
XXXX XXXX XXXX / XXXX XXXX ; accnt # XXXX / Credence 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 2016-01-29
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a letter thru regular post office mail dated XXXX/XXXX/16 addressed to the wrong name and about a license plate I 've never owned ; letter states " If this matter is not resolved immediately you will be commanded to appear at an administrative hearing where a determination may be made that you owe substantial additional fees and fines, registration of your vehicle being refused, and the use of your vehicle being prevented until the amounts due are paid. '' Letter states the matter has been referred to this firm ( Linebarger Goggan Blair & Sampson , LLP ; XXXX TX ) by XXXX XXXX XXXX XXXX XXXX which is continuing to record XXXX XXXX XXXX violations by a vehicle with this tag & state records say I am the vehicle owner. They do not explain how they arrived at the large amounts due for the tolls listed. 
I 've never received any toll notice from XXXX. I have driven through there infrequently and have gone online and paid minimal tolls that I have incurred, AFTER the dates of these tolls. There is an error in my name on the letter. This is not and has never been a license plate I own. The tolls are from 9 & 10 YEARS ago. 
Contacting the company resulted in the response that the file would be reviewed and a letter sent. 
I am concerned about getting a future notice to appear in court ( where I do n't live ) and improper research to determine this is not mine. Proper research would have quickly ruled out that it does n't belong here. Others online state that this company has been ruthless harassing other people, and that one tactic is to demand a court appearance and to receive a favorable decision when people do n't show up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was divorced from my ex-wife. My ex-wife and I had a combined income of about $ 125k.  After the divorce, I was left with the home and had to remove my wife 's name from the mortgage in order to keep it. The divorce left me with assuming all of the debts that were once shared with my ex-wife and damaged my credit worthiness. I applied to Chase Mortgage for a modification. After supplying my financial information in XX/XX/XXXX, Chase Mortgage agreed to a modification only lowering my mortgage by {$20.00}. Although, my household income had decreased by 50 %, I attempted to continue to pay the newly reduced loan through XX/XX/XXXX. I was supposed to sell the home between XX/XX/XXXX-XX/XX/XXXX, but I had been laid off in XX/XX/XXXX so I did not put the home on the market until the Winter of XX/XX/XXXX. I could not apply for another modification for a year, so I did my best to continue to keep my home. To no avail, I wound up filing Chapter XXXX Bankruptcy prior to the foreclosure scheduled in XX/XX/XXXX and surrendering my property. Earlier in XX/XX/XXXX, I received a check for a class action lawsuit that Chase had been sued for discrimination in giving bad loans to minorities. I destroyed the check because I felt that I had been victimized as well, and that Chase had given me the botched modification so that I would eventually lose my home in a great neighborhood with an excellent market. Now, we are going through a short sale for an amount that will cover the loan at about $ 170k. Chase was right in projecting that I would lose my home with the {$20.00} decreased modification, and that the home would sell quickly on the local market.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed that my credit score had dropped precipitously from XXXX to XXXX due to a negative report. When I ran my credit report I found a false report had been made. PMAB LLC is a collection agency employed by XXXX XXXX XXXX. PMAB LLC reported an account balance of {$440.00} as not paid to the XXXX and other credit bureaus. PMAB LLC had good reason to know the account was not mine. When I telephoned PMAB they admitted the charge had been made by my XXXX year old son, not by me. They identified my address as a former address where I have not lived for 8 years. When I complained I was told I should get my son to pay the bill. I am not responsible for the bill. I am not responsible for getting my son to pay his bills. When I telephoned XXXX XXXX XXXX to complain, they told me they had no balance due on any account from me. That leads me to believe the collection agency is an unscrupulous agency which preys on the elderly by engaging in extortion. Please assist me in regaining my rightful credit score by the elimination of this unlawful report. I have attached a copy of the PMAB item as shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called Navient back to back. Every time I call they hang up on me when it is time for them to transfer me to customer service. I reside in the state of Georgia. I call the XXXX XXXX ( Navient number ). They pick up, ask the reason why I call, then state they will transfer me to customer service. Every time they suppose to transfer me it hangs up. I have repeatedly call them back to back. I have phone records to prove it. I have talked to someone in XXXX, XXXX, and XXXX ( from Navient ) about why my credit score have decreased since I am on an automatic payment plan with Navient. Everyone I have talked to claimed that each month it would be updated. Each month my payment is considered missed or late on my credit score. Navient is the only thing that is messing up my credit score. I have sent letters to all 3 credit bureaus and only one sent something back ( XXXX ) which states the investigation will take 30 to 45 days.

Company response to consumer: Closed with explanation