BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: Ditech Financial LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have completed a deed in lieu of foreclosure with Ditech. I completed all the requirements and received a check through cash for keys. All the paperwork has been signed and I have contacted the attorney in charge who states the deed in lieu has been filed and is entirely complete. Although this deed in lieu paperwork was completed XX/XX/2016, they are once again harassing me with letters and phone calls regarding this debt. I have explained to them that the deed in lieu has been completed ( obviously they should know this ... ) and I have a deficiency waiver agreement I received from them. I have told several people who have called me from ditech that this matter is settled and they should not be contacting me. Nobody has followed up and they continue to send me letters, bills, and calls. I recently received a certified letter regarding default on this loan and demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Malen Associates must report the XXXX XXXX debts as having balance of " XXXX '' TO THE XXXX CREDIT BUREAUS. When XXXX XXXX hired Attorney Firm to collect their XXXX credit card money THAT I OWED THEM DUE TO DEFAULT AND MY UNEMPLOYMENT, surely XXXX XXXX has agreed that the Reporting Power to the CREDIT BUREAU will be given to the Attorneys, and XXXX XXXX would not FURTHER damage my credit. It seems that Malen Associates collected their fees from XXXX XXXX and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. 
HERE IS MY CASE : In XXXX, XXXX XXXX Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired Malen Associates LLP ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. XXXX XXXX was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with Malen Associates. 
In XXXX XXXX, I negotiated the terms of my XXXX XXXX XXXX credit cards debts with Malen Associates attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with Malen Associates who had the agreement of XXXX XXXX, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, XXXX XXXX HAS AGREED to this terms. 
As of today, My XXXX XXXX BANK Account Number : XXXX .... and XXXX XXXX BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, XXXX XXXX XXXX reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through Malen Associates Attorneys, and received letters from Malen Associates for the complete clearance of the credit cards with XXXX XXXX Bank. 
WHY DOES MALEN ASSOCIATES ATTORNEYS OR A LAW FIRM FOR DEBT COLLECTION ALLOWS THE XXXX XXXX false statements that I have unpaid balances? As of XXXX XXXX the balances are " XXXX '' and Malen Associates sent me a letter of clearance. WHEN XXXX XXXX is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE. SUCH ACTIONS ARE PERMISSIBLE BECOUSE MALEN ASOCIATES ARE INVOLVED IN NEGLIGENCE COLLECTION PRACTICES AND UNFAIR, NO correct REPORTING or no reporting atall.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: MD
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 disputed 2 items erroneous reporting on my Equifax credit reports on four occasions, via USPS Certified Return Receipt mail. The dates of the dispute letters were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Attached ). 

The erroneous items are : XXXX XXXX, entered as of XX/XX/XXXX for {$490.00} XXXX XXXX reporting 90 days late from XX/XX/XXXX - XX/XX/XXXX The same erroneous information was being reported by XXXX & XXXX XXXX who did thorough investigations and removed the items immediately. Neither of them remain on reports from the other 2 bureaus. 

The letter sent on XX/XX/XXXX was not responded to until after 40 days of the USPS tracking receipt date. Due to not responding in 30 days the erroneous items should have been removed. 

The letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- they responded that the information was simply " verified '' but provided no information on how it was verified. When I asked for proof of the investigation in subsequent letters, they simply reiterated that info was " verified ''. 

Despite the lack of a valid investigation or ensuing reinvestigations and never providing proof of verification methods, the discrepancy still remains with differing info from the other 2 bureaus, who with one letter were not able to verify the erroneous data and removed it immediately. ( Pages showing different reporting attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I completed a loan modification through GreenTree Servicing LLC on XXXX/XXXX/XXXX, they increased the loan amount by $ XXXX to include all the fees, interest etc. After my XXXX payment on XXXX/XXXX/XXXX, they increased my payment by charging me additional fees of {$110.00} each month. Additionally, they added fees to the payoff and/or escrow account when we refinanced in XXXX of XXXX. I tried to talk to GreenTree about this, they indicated it was attorneys fees. They stopped charging me for a couple of months and then started again. I would like to get reimbursed for these charges. I do n't feel them to be appropriate since the loan modification included all attorneys fees, interest and servicing charges added to the principal balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: Credit Protection Association, L.P.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of continual ID theif. This is either do to XXXX XXXX that lives at XXXX XXXX XXXX , XXXX IN XXXX or do to Collector sDatabase. The XXXX Police will not Help the XXXX WI police. 
All Below is going on My Credit, I have cleared it but I also have to pay {$300.00} a year for ID Protection. 
XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} XXXX XXXX Defaults on his Services ( XXXX ) {$700.00} XXXX XXXX Defaults on his Services ( XXXX ) {$800.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$1300.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} Police Report Filed for all above XXXX XXXX XXXX Defaults on his Services ( XXXX ) {$250.00} Police Report Filed for all above XXXX - All above have been cleaned from my Credit Report ( Unknown Date ) XXXX Defaults on his Services ( XXXX ) {$1000.00} Police Report Filed for all above XXXX This was just file XXXX/XXXX/16. 

The question that no Police Detective or Reporting Agencies can answer. 
- IS XXXX stealing my SSN ( but I do not think that XXXX ask for the SSN ). 
- OR is the Collections Companies doing this to me? They have linked my name and his name together and added it to some database that can not get that information removed. 

I have Spent {$300.00} for that last three years ( {$900.00} ) because of the Collectors or XXXX. I have to keep Renewing do to XXXX Defaulting on his bills and the Collectors coming after me and not him. 

Each time this happens I have to get a Police Report, get current bills, Affidavit explaining why it is not me, DL, and all this personal information has to be sent to each collector. Giving all my Personal Data to them to clear me. I spend hours each time.

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

Complaint:
Green Tree Servicing has force-placed insurance after receiving proof of insurance from both the insurance agent and borrower. Multiple calls, faxes and emails have not resolved this issue and they continue to charge their own insurance premium. Multiple voice mails for supervisors have not been returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: Scott Fetzer Financial Group Inc.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Receiving automated phone messages from a company identifying itself as a collection agency for United Consumer Financial Services Company. A loan with that company was paid off in XXXX 2016. I want this company to cease calling my phone. The number the messages come from is XXXX. Attached, please find correspondence confirming the debt is paid in full. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: KEYCORP
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2016 suddenly I was assessed {$7400.00} in late charges by KeyBank XXXX XXXX XXXX. After several exchanges with KeyBank officials, I have not yet received a resolution. Attached are my statements which shows that prior to XX/XX/2016, there were no late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been a paypal user for nearly a year and was using a third party website to sell my products. Paypal told me I was wasting my time by not providing a high mark up on my items. Soon after they limited my account for selling goods purchased from the retail store. Quoted by the agent " Your Wasting Your Time ''. They now have over {$2700.00} and they have locked my account to release funds. I am filing a formal complaint to have my funds released. I no longer want to support this financial institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had received an approval for a short sale with GreenTreeXXXX the buyer did their inspection and issues came up on the report. I alerted my closer at GreenTree ; XXXXXXXXXXXX, about the property report, and the buyer wanted a reduction in the price to cover the repairs ; and he told me that XXXX will not reduce the purchase price so I need to close with the approval I had. I contacted XXXX and they asked that I forwarded the property report to the servicer and they will forward my request to them to review it. I emailed me : XXXXXXXXXXXX, the reports and the addendum asking for a reduction in the purchase price. The closer XXXX XXXX, refused to forward the email to XXXX. I requested multiple times and my request went in vain. I decited to circumvent the servicer and email everything XXXX. This was when I received an email XXXX that my file wad cancelled in GreenTree negation system XXXX went ahead and reduced the Value to XXXX less although GreenTree refused to submit what XXXX had requested. This seems to be a practice of GreenTree to force you to close. I need my file reopened so I can close on this sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Crow Creek Sioux Tribe
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On approximatelyXX/XX/XXXXa loan was taken out with Myloansite for {$820.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$240.00} was completed on my next registered pay day of XX/XX/XXXX with 19 payments of {$240.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$4900.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of Tribal loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates Myloansite applies to their loans ( annual percentage of 664.97 % ) do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back only the principal amount of the loan, but not the interest and fees. I willingly borrowed {$820.00} and will pay it back via payment plan, minus the {$240.00} I have already paid, for a total of {$570.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of Myloansite to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, 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 2016-05-10
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have tried calling the collection agency to resolve my financial issue, because I am hard of hearing and they wo n't communicate with me on speaker phone. So then I ask if they could communicate with me via email and they refuse. They told me to got get a different phone. 
First of all I do not owe the debt it was paid by XXXX XXXX. I tried contacting them and they said the the XXXX Doctor has to talk to them directly. The doctors office refuses to do this. Do n't I have the right to resolve my issue?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I applied for mortgage modification in XX/XX/XXXX. I was current and have excellent credit. I provided all necessary requested documents by the end of XXXX. I was told that it will close by end of XXXX or by XXXX. I received approval and new payment amount starting in XX/XX/XXXX. My old payment amount on my mortgage is withdrawn automatically but i am getting delinquency letter. I have contacted them and they have not sent anything in writing but verbally said that i am not delinquent. I am told now that it will show on my credit as delinquency for a period of time. I was not told this at any point in the refi process. I am current and have paid. Tried to contact them several times and made call appt. but no response. Lack of response and my delinquency status is worrisome. I was decline HELOC refi from XXXX. My real estate tax was to be paid by CCO since it is escrowed in the new loan, it is not paid yet. Now it is XXXX and my mortgage refi is not complete or close yet. They have dragged this process long for no apparent reason. I have provided all required information right away. Signed and sent documents on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX had XXXX XXXX and XXXX XXXX XXXX do an illegal FORCLOSURES with so asset back pass through certificate. Pooling. I recently learned my mortgage paid for these without my knowledge OR permission how do I collect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Blackhawk Network Holdings Inc.
State: DC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Dear Consumer Financial Protection Board, On XX/XX/XXXX I attempted to sell XXXX XXXX XXXX E-Gift Cards to gift card reselling website Cardpool, with a total face value of XXXXUSD. Following the submission of my order, Cardpool marked my order as order as a " physical gift card sale '' and requested that I send them the gift cards via XXXX. I then contacted the store and explained that I did not have a physical gift card and asked if they would process the transaction, as I had already submitted to them the gift card numbers and pin information. Since then I have sent several emails and have received no response. Although Cardpool does not provide an exact timeline for customer service, their website notes that they " will get back to you within a day. '' It has been over two weeks. I am requesting the CFPB 's assistance in garnering a reply from Cardpool, and ideally, would request that the company process my order and sent me payment for the gift cards I have sold to them. 

For reference, the emails I sent along with the dates are provided below : XX/XX/XXXX I am attempting to sell your company XXXX XXXX XXXX E-Gift Cards, face value of XXXX USD per card. The transaction ID is XXXX. However, when I went through your online check out process your site noted that I now need to send you a physical card to complete the transaction. I am confused as to why this is, as I recently sold you site a similar XXXX XXXX E-Gift Card with no issue. I have also already provided your company with both the gift card number and PIN number so do not see why it would be necessary to send a physical card. Any assistance you can provide would be appreciated. 

XX/XX/XXXX Dear Cardpool Support, I am writing to follow up on the below inquiry in respect to my recent attempt to sell your company XXXX XXXX XXXX gift cards. I would appreciate your attention and any assistance you can provide. Thanks! 

XX/XX/XXXX Dear Cardpool Staff, This email marks my third attempt to follow up with your company in respect to my sale of XXXX XXXX XXXX Gift Cards for XXXX USD per card on XX/XX/XXXX. I again request that your staff review the order and process it as an e-gift card rather than as a mail-in order, as your system had wrongly designated my order when it was placed. If I do not hear from your company within the week, I will be forced to elevate this to the Consumer Financial Protection Bureau. I hope that this does not come to that action and hope to hear from your staff soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I moved out from XXXX XXXX in XXXX 2014. I received notice in XXXX 2014 that I owed various items, which were illegal in the state of XXXX to collect - such as re-painting the walls. I contested the charges with apartment complex. XXXX months later I received notice From XXXX, they simply sold the debt to a collections agency and did not call or work with me on my request for more info or to resolve. XXXX became aggressive to collect despite requests to resolve. I hired an attorney who sent requests to XXXX and to XXXX to provide sufficient detail regarding what was being collected, and within the law, they had 30 days to respond. Neither party responded to the party within the allocated timeframe. As such, the debt is invalid due to lack of response from EITHER party. I have disputed this debt with XXXX and provided information and they removed it XXXX and XXXX need to remove this debt as well, but refuse to because XXXX continues to state this is a " valid '' debt despite proof that we have attempted to resolve this in the legal forums.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Servis One, Inc., Titusville, PA Branch
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refer to complaint XXXX. The complaint was not resolved. The company did not correct my mortgage payment effective XXXX 2016 per their response. They admitted that they stole {$1200.00} from my escrow account to pay someone else 's taxes and that they penalized me by raising my monthly payment. They made their correction effective XXXX 2016 leaving me to pay the {$890.00} for XXXX which is {$220.00} more than was due for XXXX 2016. Their response did not address the other issues at all ... the fact that they have consistently paid my XXXX taxes late costing me late fees and interest. They did not respond to my request for a refund of the late fees and interest that they again stole from my escrow account. They also did not speak to their insulting and derogatory message " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This statement is made on every call I have made to them and also appears in their response letter. They are not attempting to collect a debt, my account is not past due, I am calling them with questions and they are not a collection agency ... they are my mortgage company. I am 100 % dissatisfied with their response and demand action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation