BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-25
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my third complaint against Ditech Financial LLC regarding Account No. XXXX. On or about XXXX XXXX, XXXX Ditech, for the first time since XXXX XXXX, acknowledgement their own Reaffirmation Agreement, the change in contract terms, including payment and interest rate. However, the letter ( attached ) indicated a past due balance of {$2500.00}, agreeing to discontinue collections, and place the past due amount at the end of the note. We have since sent another letter to all credit bureaus and Ditech providing evidence of payments in excess of those amounts due for years XXXX through XXXX. 
On XXXX XXXX XXXX, I spoke with XXXX XXXX, Director of Customer Service, who promised to get to the bottom of our problem On XXXX XXXX, XXXX a Ditech representative contacted us and said the account was corrected, no longer past due, and the credit bureaus had been corrected as of XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, XXXX, XXXX, XXXX we received collection calls from Ditech for amounts past due. 
On XXXX XXXX, XXXX we received a certified letter stating we were in default, and had 20 days to pay in excess of {$2500.00} or be in default of our note. 
Clearly, Ditech has no accounting department, or very inept personnel who can not maintain accurate records. I have personally maintained a spreadsheet of every payment since the date of Reaffirmation in XXXX, XXXX, which is attached. Unless the CFPB can assist with this ridiculous creditor who can not obviously maintain accurate records, I am not faced with pursuing legal alternatives since we are obviously out of options. We appreciate any assistance you can provide since we are obviously on daily collection calls again even though we have multiple letters to GreenTree / Ditech to cease and desist all calls to our cell phones and employment. The attached spreadsheet identifies the collection efforts in the last few weeks. Thanks you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Eagle Home Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I closed on a mortgage loan from the Universal American Mortgage Co to purchase a new home. I advised the mortgage company representative that I would likely payoff the mortgage in the near future and inquired if there were any prepayment penalties or expenses. I was assured there were not any of these. When I closed on the sale of my former home on XXXX XXXX, 2015 I called the company and asked for payoff information to payoff the mortgage on XX/XX/2015.. I did not receive the requested information and after several calls submitted an email. I finally received a call advising of the following : 1. My loan had been sold to a loan servicing company to be effective XXXX XXXX, 2015. 2. I could not payoff the loan until I had submitted the XX/XX/XXXX payment to the original company. 3. On XXXX XXXX, 2015 I would then need to call the new company - The XXXX XXXX XXXX to arrange for payoff. 
This decision or possibility was never disclosed during the loan process and will require me to pay over an extra month of interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Actually this is more info on Case number : XXXX. I do not see a way to give more information. I received a document in the mail. When I spoke with XXXX several weeks ago, he mentioned the net Principle Limit could be accessed and used. After doing my own research previously and making previous calls to Financial Freedom/One West, I doubted this was true, so I decided to test it. I tried to withdraw {$1000.00}. If he was correct, I would just withdraw the money I did n't know was mine for the asking, and pay the commission and closing fees. But, I was correct and XXXX was not. In the mail I received documents requiring my signature to adjust my mortgage so I could get my {$1000.00} check and then only receive approx {$300.00} per month, which would then not cover my living expenses on the home should it a ) not sell or b ) HUD does not approve the short sale. So, I did not sign the papers and again, I am right back where I started. I do n't have money for the commission and legal fees to sell the home and FF/One West is still pushing foreclosure and deed-in-lieu since they will not help with the closing costs. Again, this would have only cost them $ 5K last year if I sold to the first buyer ( RE commission and legal fees ), and now they have paid me {$7500.00}, which means they could have saved {$2500.00}. How could the US bail out banks when this is what they do to elderly homeowners?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: CIT BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We represent an estate of a deceased who had a reverse mortgage. XXXX things, the daughter submitted a request for {$14000.00} from the remaining line of credit three days before the mortgagee died. The money was needed for XXXX bills, etc. Payment was denied. Also, we notified Financial Freedom we wanted to sell the property. They send us a notice of foreclosure. They have ignored both inquiries. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Utah System of Higher Education
State: SC
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:
I had my federal student loans at multiple places, XXXX and XXXX, and applied to have it consolidated, to XXXX. During the consolidate however XXXX decided that they to sell my loan, to XXXX. XXXX never bothered to verify that information was still accurate after they completed their process before they sent the money. XXXX is now charging me for the new consolidated loan even thought the original loan still exists. XXXX has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have received it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing me.

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 2016-10-14
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to see XXXX XXXX XXXX XXXX XXXX XXXX for medical services on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX at XXXX ( business name ) Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , NV XXXX Phone # : XXXX. I paid my copay. My insurance company ( XXXX ) owes the remaining balance and is under a RECEIVERSHIP/Court order XXXX Judicial District Court of XXXX County, Nevada ( the " Receivership Court '' ), in case number XXXX, and pursuant to Nevada Revised Statutes chapter XXXX, entered its Permanent Injunction and Order Appointing Commissioner as Permanent Receiver of XXXX ( the " Permanent Receivership Order '' ) Per the court order XXXX can not bill consumers or patients, but have done so anyway and have ignored the court order. After explaining this several times by phone and email, on XXXX/XXXX/XXXX I received an email stating I was no longer in collection status from a XXXX XXXX XXXX. I continue to be billed and reported to collections. The last transmittal letter from Transworld Systems Inc. Collection Agency on behalf of their client XXXX XXXX XXXX XXXX is dated XXXX/XXXX/XXXX. My credit is being effected negatively and should n't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Resurgent Capital Services L.P.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have received a loan from a XXXX XXXX in 2014 in the amount of {$23000.00}. I was only able to pay off one instalment of {$830.00}. The debt was sold to the collection agency showing the amount of {$25000.00}. This is in excess of {$2800.00} that I never borrowed. I received a letter from Resurgent Capital Service a few months ago. I responded that the amount they show I owe is incorrect. I sent them supporting documents. Today I received a second letter from them. Their letter states that I did not provide enough documentation to prove the right amount I owe. I will send them again my bank statements, but I would like to file a complaint about reporting my debt to the collection agency and showing on my credit report with an incorrectly high amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. 

They tried to get my bank account information, and promised that they would not extract the funds until XXXX XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. 

They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXX my mother passed away. I am the executor of her estate. She held a American Express XXXX Credit card ending XXXX. The card was not recovered in her personal effects or at her residence. A collection agency ( XXXX ) was assigned by American Express for collection of an outstanding balance. XXXX Services provided all the statements for a review since the card was not recovered and suspected fraud had taken place. In XX/XX/XXXX XXXX Services was provide all the information including police report, forge signature receipts for purchases and the request made for credits issued against the account. XXXX Services forwarded all the information back to American Express for resolution. American Express assigned a case number however they have failed to make any credits to the account. Numerous letters, faxes and phone calls have failed to resolve the issue. XXXX complaint XXXX Failed to resolve issue. Attorney General XXXX complaint XXXX resulted in forwarding complaint to Comptroller of Currency XXXX XXXX. Follow on phone contact with Comptroller of Currency forwarding complaint to your office as of XX/XX/XXXX. Comptroller suggested contacting XXXX Bank whom took over American Express XXXX Credit lines. Phone Conversation with XXXX Bank confirmed that only active accounts had been transferred from American Express and they had no information available concerning the account or the account holder. Although sufficient documentation has been provided to American Express they have refused to act, or communicate effectively across departments or with the administrator of the card holders estate. I can provide all the documents that have been transpired to support the complaint. The credits in the amount of {$3700.00} be paid back to the XXXX Trust request has been made several times, but American Express has continued to fail to act for an extensive period of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Midland Funding via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
American Express, inquired on my credit report. I sent a certified letter to American Express at their correspondence address advising I did not recall said inquiries or application to Amex for any of their services. I explained if they found I was in remiss to send all supporting documents to me for review. The time American Express is allowed by law has transpired and the inquire remains. I have tried to call several times however, American Express elected not to have fraud in America, in an effort to protect my self from Id theft I refused to provide my social security number to any agents other than those in the U.S. which is at my sole desertion. American Express has informed me that I am XXXX and elected to disconnect several times. Sadly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX American Express solicited me with a " new offer '' to apply for a Delta Skymiles credit card. The offer I received explained that I would receive XXXX Delta Skymiles if I completed the application and then used the credit card to purchase {$3000.00} worth of goods within the first 3 months of receiving the card. I applied for the card and spent {$3000.00} before XXXX XXXX. I contacted XXXX at AMEX customer service on XXXX XXXX inquiring about the miles not credited to my Skymiles account and he opened case # XXXX. On XXXX XXXX, XXXX I received my next account statement and I still had not received credit from American Express, even though i had spent the {$3000.00} in eligible expenses. When I contacted AmEx customer service I was transferred to a supervisor who informed me that I am not eligible to receive the offer because I had opened a Delta American Express card years ago. American Express clearly had that information when they sent me the new offer for a new American Express card in XX/XX/XXXX. I can not understand how its ethical or even legal to send someone a false and misleading offer for credit promising incentives that you will later claim you will not honor. I am requesting that American Express honor the offer they sent to me promising XXXX Delta Sky Miles after I spent {$3000.00} on a new American Express card. I accepted the offer in good faith and I expect American Express to complete the offer as it was described in their credit solicitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Adjust penalties. FNB bought XXXX XXXX in PA and with it my account. 
Balance of XXXX cents. 
Service fee of {$5.00} because my account required XXXX of quote : To avoid a service charge in this account you would need to meet XXXX of XXXX requirements. They are a minimum balance of {$500.00}, a recurring direct deposit, or XXXX debit card transactions per month. When the account is overdrawn for 3 consecutive days there is a {$12.00} continuous overdraft fee. unquote. 

My account at XXXX did n't have these restrictions. The fee put my balance in the red at {$4.00}. There was no notification that a transaction initiated by them would cause overdraw. Two days later I noticed the situation from logging in online and had absorbeda {$12.00} penalty and immediately arranged a {$20.00} deposit but it was too late to avoid the next {$12.00} penalty. Apparently a penalty of {$12.00} is charged every 3 days. I have attached a download .csv of the transactions. 

Sir/Madam, this is like the 3 second rule and like chasing a moving target. Should n't they be obliged to notify me if a transaction that they a generating will create a negative balance and hence give me time to cover the {$5.00}. Once again the big banks are beating the little guy to a pulp. It 's just plain greed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX Account XXXX XXXX had violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Account Number : 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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX Account XXXX XXXX had violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2015-10-20
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
After getting behind on my XXXX and XXXX mortgage with Ocwen Loan Servicing I agreed to a a deed in lieu of foreclosure to Ocwen and moved out of my house to avoid foreclosure. Since completing the deed in lieu I have continued to receive collection calls and letters from Ocwen and its assigned debt collectors for the XXXX mortgage that I no longer owe. This is harassment and I have met with an attorney to resolve this situation if my complaint with the CFPB does not resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: William D. Meeker Enterprises, Inc.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I found that someone did a hard inquiry on my credit 2 days ago and I am currently not applying anywhere for credit, I tried calling the company listed as CIC to complain but no one answered, I left a message.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation