BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: Ditech Financial LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have made 3 attempts to stop Ditech from removing escrow taxes from our automated monthly mortgage payment. We have had the mortgage since XX/XX/XXXX and have always paid our own taxes. Since XX/XX/XXXX payments in the amount of {$1100.00} have been removed from my bank account and we were told that they were paid to our local town for tax payment. We have made 3 attempts to have this stopped and have received XXXX different stories from Customer Service, although all XXXX have made the statement of " we do not know why we are taking escrow from you, you are setup as a non-escrow account. '' We have spent several hours each time on the phone being passed from one department to another and no one can offer any resolution to our issue. We were told that " they will begin removing even more money from our account due to a shortage they have regarding our escrow account '', which we never had! The tax department told us " they have no idea why we are having taxes removed from our account as we are listed as a non-escrow account ''. They also informed us " they have no idea why they show them as making payment to XXXX, NH '' regarding our account. As of XXXX XXXX, XXXX, NH has no record of receiving payment from Ditech. I will notify my bank today and stop automated payments to Ditech until they research and fix this issue and I will continue to research refinancing with another mortgage company. I researched this issue and also noticed from consumer affairs.org that their are another XXXX complaints regarding ditech, which has made me contact you, so others might be able to be helped.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The attached Writ of XXXX XXXX was attached to my home at XXXX XXXX XXXX XXXX, XXXX Ga XXXX as a XXXX. This is not my debt. It appears this was orchestrated in order to damage me further in BRC Case Number XXXX, It appears the Trustee could have been involved as he is unethical, I am requesting all information be sent to me in order to take all necessary legal approaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company is charging me for an unsubstantiated corporate advance for real estate taxes paid that were never paid by the mortgage company. I never even had an escrow with them. This is fraudulent. Requested copies of proof that they paid these amounts and to whom ( requested specifically cancelled checks ) - they ca n't prove they paid it and are unwilling to remove the corporate advance from the account. I can prove that I, and I alone, paid for all of my property taxes. Again, there has never been an escrow on my home which I have owned for 11 years now. How do I get the fraudulent amount removed from my account? I have proof that all property taxes have been paid via my personal bank accounts - I have receipts and cancelled checks, ACH transfers made from my accounts that proved I paid the real estate taxes and not them! Fraud, fraud, fraud! I have spent over 18 months trying to get this resolved but the customer service is non-existent - the agents are rude and clueless.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my account set up for electronic draft payment bi-weekly .There charging me late fees no fault of my own, tried to get this straightened out several times. Also submitting principal only payments using mail in coupons using the additional principal only box and they are not being applied for principal only. They allow for both bi-weekly and principal only.

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 2016-02-02
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a mortgage with OCWEN. After a long dispute regarding my payment history and them saying that I was n't making my monthly mortgage payments, I obtained the services of XXXX and was able to get my mortgage and interest rate reduced based on a trial modification period. I signed and mailed two copies of the agreement to OCWEN, in addition to XXXX emailing two copies, as well. They never responded or sent the final copies to be signed, but later said that I did n't send the documents to them. There is a receipt verifying that XXXX did receive the document on XXXX XXXX, 2016 @ XXXX They have now erroneously reporting that I failed to comply with the arrangement. Upon speaking with XXXX and them engaging OCWEN, they 're saying that I failed to date the documentation. The documentation is in fact, dated for XXXX XXXX, 2016. This loan servicing company refused to process my loan payments for 1 year and said the reason was because I was 90 days late on a payment. I sent all certified mail receipts and cashier 's checks to their auditors ( located in XXXX ) and all they could say was that I missed a payment, but could n't come up with the 90 calendar days that were in question. I had to pay {$4200.00} to XXXX to work on my behalf because they tried to foreclose on my home. They are still assisting me because OCWEN has n't sent me the signed copy of the final loan modification as they told XXXX they did.

Company response to consumer: Closed
Consumer complaint received 2016-02-17
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the months of XX/XX/XXXX and XX/XX/XXXX I was late making my mortgage payments, XX/XX/XXXX was made XX/XX/XXXX and XX/XX/XXXX. I have made the payment plus late fee for these months. Ocwen Loan Servicing is charging me an additional {$6.00} for " Certified Mail Cost '' ( XXXX charges on XXXX/XXXX/XXXX, XXXX charges on XXXX/XXXX/XXXX, and XXXX charges on XXXX/XXXX/XXXX ). None of the mail that I received from Ocwen arrived at my home address ( billing address ) was registered or certified mail, however ; my renter received one certified mail at the property address for which the mortgage covers. This seems like an excessive amount of certified mailing charges and extremely unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Fair Credit Act says that positive / negative accounts should be removed after 7 yrs. if they've been paid off. I have several accounts that show as paid that are now past 7 yrs. I would like these accounts removed from my credit report. They're neither helping or hurting my credit, so pointless for them to be showing any longer. Please remove the below accounts : 1. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3500.00} 2. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$6400.00} 3. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$530.00} 4. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2200.00} 5. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$1700.00} 6. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$4500.00} 7. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$8400.00} 8. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$16000.00} 9. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$500.00} 10. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$1700.00} 11. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3400.00} 12. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3600.00} 13. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2700.00} 14. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3300.00} An old inquiry that should've been removed with XXXX done on XX/XX/XXXX. 

There is simply no logical reason for these items to be left on my report creating pages and pages of nonsense to have to sift through. I like my reports up to date. Please remove all 14 of those paid off student loans and the outdated inquiry. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Firstsource Business Process Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
First Source Adv. is contacting family members about 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 2017-01-13
Company: 21ST MORTGAGE CORP.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collector from 21st mortgage asks personal questions about how much money I will have in my pay check. Asks what other bills or expenses. Tells me it 's unacceptable if I do n't make my payment at the specific date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Servis One, Inc., Titusville, PA Branch
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am so frustrated. I am also very desperate. I am loosing my home. I am a single parent after loosing my husband to XXXX. He left me with XXXX kids. I had to get jobs, not a job but jobs to sustained my children. I struggle on a daily basis to put food on the table. All I am asking is for Bsi to please consider my request .I need a roof over our heads. This is the only thing both of my kids have to connect to their father. Bsi has refused to review my file and consider my request .Now my home is also worth a lot less than when we bought it. I would not be able to live with myself if I did not fight to keep our home. Please response as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Navient Solutions, LLC.
State: NY
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 have XXXX in student loans, XXXX which are private loans from Navient. I am having medical issues, and require XXXX this month. I called Navient to see if they have a medical deferment or medical hardship deferment plan. They do not offer any interest free deferment plans - only plans that will lower my payment but I will have higher monthly payments more in the future. I also asked to speak with the Office of the Customer Advocate and the XXXX representatives I spoke with all told me that they did n't have the number, or they can not give me the number. The last person I spoke to said that it was Navient 's policy to not give out the Office of the Advocate 's contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It's always a struggle to get the bureaus to remove outdated / inaccurate info. Well I'm requesting the items be removed/ corrected as follows. They don't add any value so there is no point in keeping it on my report past it's time, to create pages and pages of confusion for lenders to go through and figure out. 

1. Remove XXXX XXXX XXXX as my employer, I do not work here and the info is outdated. 
2. XXXX # XXXX - remove the dispute language showing, I never disputed this account & had no reason to ever do so. I requested the removal of old XXXX XXXX & XXXX loans that were more than a decade old, you chose to consider that a dispute & disputed an item I never complained about. Remove that language immediately as it's inaccurate & never requested by me. 
3. XXXX # XXXX - paid off XX/XX/XXXX - {$5400.00} limit account is outdated, remove. 
4. XXXX XXXX XXXX inquiry from XX/XX/XXXX should be removed immediately as it is outdated. This does hurt my scores.

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 2016-11-07
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Hi my name XXXX XXXX .... I have issue with a bank called XXXX they scam me right along with the car dealer ship.. XXXX.. ok I got a car. From theme and they told the XXXX come to find out that the car was XXXX I gave XXXX XXXX they told I will get my title ... I have to pay XXXX more my credit XXXX when I got my car. And they had me paying XXXX a month until they said XXXX was paid off ok I over paid. Later on the bank tell me. My pay stubs where fake the dealer ship had gave fake pay stubs I sent them my real ones and. They never respond..also I do n't have no paper work on car. Did n't sign anything they gave me one key to my car. .. ok started calling and go back forth to. The dealer ship .. and then I found they said I 'm paying a car. For 7 years this bank is scam and fraud they was working with the dealership ... the whole time they. Wanted paper work I fax and email it to theme ... they was saying oh I did n't get. For 4 days then when I said I 'm reporting this bank the next day when I called they said oh we have. When then been had it ... now they telling me we have to waiting until we get in touch with the dealing ship and all this other stuff when they know they close down and no one never pay a car for seven year. And they forge my hand writing and they let it go. They only way I seen. This because I told theme I do n't have paper work on my car or nothing ... I told theme to send me. The papers they did n't want to. So I made theme email a copy and they did n't want to. Now they have copy of my. Check and alll they still not try to. Work with me or keep make up things and not pick my calls they scam me for money and I want my title

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I sent out a letter to all 3 credit bureaus XXXX, TRANSUNION, AND XXXX on XX/XX/XXXX stating I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I still haven't received anything from them about the accounts that were inaccurate THE ACCOUNTS WERE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Apothaker & Associates, PC
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
this is an addition to a complaint I filed with you few days ago. Apathaker XXXX ( handling judgements against me ) has offered a written in stone proposal that I pay $ XXXX/mo for 24 months. I am a XXXXyo XXXX veteran on a fixed income and can not possibly meet this arrangement. I have an agreement to satisfy another judgement with the same attorney. I have been paying $ XXXX/mo. I recently learned that in spite of my arrangement this attorney plans to garnish my bank account. How can I honor the agreement if they plan to take my money????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Acceptance Solutions Group, INC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have asked in writing by mail, email, and fax for the company not to contact me by phone to collect. Even after asking verbally and in writing they continue to call me on my cell phone and place of employment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CITIBANK, N.A.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was verifying my credit reports for employment verification, for credit denial, lowered score and due declared disasters moratorium of DR4493-COVID19 PANDEMIC, DR-4473 EARTHQUAKES, DR-4339-HURRICANE MARIA AND THEIR DISRUPTION CAUSED MEA CAR ACCIDENT WITH PROPERTY LOSS IN XX/XX/XXXX, DR-4336-HURRICANE IRMA. I have noticed that SEARS reported inaccurate information IN XXXX about balances, missed payments and late fees charges and added missed payments and charge late fees to my balance over my credit limit, when i am not using my sears credit card neither more charges were allowed. i would like that they removed the inaccurate information as my rights under CARES ACT, AND following bills 116s3548is, bill 116hr748enr, bills116hr133sarcp11668. those charges not proceeding under declared disasters, i am not a delinquent criminal person. i have the right to privacy and intimacy and i do not want to SEARS shared my information because i was a survivor of the disasters and i was affected, i lost m employment, new contracts, and new jobs, lost my home, lost my cars due to my rights violation and now i am trying to fairly recovering i did not received any aid from fema neither from small business administration, that denied me the loan due to my credit report, and lost employment contract due to my credit report and i can not pay due to the employers do not contract me due to my credit reports and becomes a vicious circle, and libels about my image. i tried to resolve with them in XX/XX/XXXX under DR4473 and in XX/XX/XXXX under DR4493 and they do not want to fix the incorrect balance my credit limit was {$500.00} and i did not used my credit card because there no more transactions allowed so they are adding the missed payments and late fees charges over the credit limit in convenient way for them, and that it is not equal opportunities. i did not owed to sears {$1100.00}, i did not owed to sears {$1000.00}, i did not owed to sears {$1000.00} as the incorrectly and falsely reported to my 3 credit reports agencies.

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 2021-10-05
Company: Western-Shamrock Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company is straight up harassing me. I had already received a letter that they turned me over to a collections agency. Then they call me at work, on my cell phone. They even showed up at my house to drop off a letter. I understand the phone calls on my cell phone. But calling my job and also showing up at my house is where I draw the line. That has pushed it past where it needs to be

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint mortgage incorrectly paid our taxes twice in XXXX of 2016, which in turn sent our escrow payment to double what it should be. We had to struggle to get the overpayment refunded to our account, that finally happened in XXXX 2016. Now they are not able to get the tax payment schedule figured out ( either paying taxes twice a year or once a year. ) In turn our escrow payment is still double what it should be, which is resulting in a much higher payment than we should have. After repeated phone calls since XXXX, there has been no solution. Our XXXX payment is still {$600.00} higher than it should be. XXXX admits there is a problem, but says that a third party handles taxes and escrow for them and is n't sure why this has not been resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX was offered a loan modification with a down payment of {$9300.00} from XXXX with a down payment. XXXX sent XXXX the check they cashed it and they never gave her the loan modification. Then she was transferred to another servicer and it has been an on going process of trying to get her loan modified as well as trying to find out what happened to the {$9300.00} and why did XXXX take her money and would not talk to her after they received her money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing incorrect accounts that is reporting on my credit file, since XXXX 2020. I have not seen a change in the information that is reporting. I asked for documentation on accounts as to who, when and why. I have never gotten a response are documentation to support the information that is reporting incorrect.

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