BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016, my mortgage company ( ditech ) completed a new escrow analysis and erroneously entered a duplicate property tax amount of $ XXXX- which in turn caused my escrow estimated payment to nearly double. On XXXX/XXXX/2016, I contacted ditech via phone and brought the error to their attention. The representative confirmed the error and assured me that it would be corrected. From XX/XX/XXXX-XX/XX/XXXX, I continued paying my normal mortgage payment amount. No further correspondence was received until XXXX/XXXX/2016, when I was contacted via phone by a ditech rep. and advised that I was now " delinquent '' on my mortgage payment since the ( inflated ) mortgage payment was not being paid. I was also informed that I was now accumulating " late payment fees ''. I advised the rep. of the incorrect escrow analysis and my prior contact on XX/XX/2016 to which I received a " sorry, there 's nothing we can do '' response. After a lengthy discussion, I was eventually transferred to a customer service representative, who subsequently contacted my local property tax office and confirmed the proper tax amount. Even after she acknowledged that ditech had not only mistakenly duplicated the tax amount, but had also failed to correct it on XXXX/XXXX/2016, and also failed to notify me of the failure to correct it -- I was still told by this customer service representative that I was " responsible for paying the incorrect amount due anyway '' and that " when ( they ) eventually sorted it all out, the difference would be applied to my principal ''. I have since received several additional phone calls, attempting to collect these erroneous escrow and late fees ; threatening that if I do n't pay, my credit could be impacted, etc.. Since purchasing my home, I have always paid my proper mortgage amount, on time. I do n't understand how I can be held responsible for ditech 's ( admitted ) mistake. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
well I fell behind with my mortage company due to my wife having XXXX sugery andwhile in surgery she had a XXXX and has n't been working for some time approx. 3 years and have applied for a modification mortage company I was behind and the XXXX which gave me a loan for the moneythey paid get me current which I pay them XXXX a month I was doing well and due to decrease in hours I fell into a problem and was tring to work out an modification with green tree and they are changing my loan from XXXX percent to XXXX interest and my mortgage is goingup instead of it going down and they taking me from 24 years to a 40 year mortgageand I ask the gentlemen XXXX at green tree why he stated I already had an hamp loan in which I thought with and hamp loan the percent would only go up about XXXX % after XXXX years I been sent paper work to green trre and they been strong arming me to sign the documents they sent to me by XXXX/XXXX/15 cause that 's the best they can do for me I have sent the paper work to the attorney general office in XXXX to look into this matter further due to them being rude and telling that I have to take this deal or they going to take my home I have all the paper work and there bussines practices really need to be look at with the threats from there customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Current representative keeps calling on my cell phone frequently during my work hours while I am being consistent with my payments. Previous representative called the same way but rude and threatened to take legal actions, screaming and arguing with me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Regarding account ending in XXXX and CFPB Case XXXX, I am aware of your acknowledgement of the cease and desist request regarding account number ending in XXXX. XXXX XXXX has stated " A cease and desist status means that we will not communicate with you to collect a debt.. In the letter you stated that you respectfully are declining my request to stop reporting this account which is my personal information to the credit reporting agencies. And that it will continue to report for up to 7-10 years. I am aware that communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Keep in mind that a financial institution may not disclose non public personal information to non affiliated third-parties. Also I was never given the option to opt out of such reporting. Also my consumer report should never contain any experiences made between the consumer and the person making the report. Being that I am aware of these federal laws protecting my rights as a consumer and you must delete the account ending in XXXX. This is my written consent to opt out of credit reporting for account ending in XXXX. If my instructions to opt out of credit reporting can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or [ fraudulent statement or representation to a customer a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am aware that whoever violates 15 U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 U.S. Code 3751 with fines up to XXXX for a felony by an organization.

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 2016-05-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
all XXXX burs are still reporting items over 7 yrs, XXXX reported to your agency that the item in question was remove and was reported to all XXXX burs that the item was paid XXXX which the banks used still have a item XXXX. when this was paid

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 2016-02-16
Company: Ditech Financial LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DITECH ... these people call day and night after the first day a payment is late. I paid over the phone after very aggressive phone calls from DITECH. They said they would waive the fee and when I saw my bank account they charged a fee. 
They also sent me a letter adding {$2000.00} to my mortagage that they obtained from GREEN TREE. They said it was audited and they found a mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This Complaint is the direct result of the continued failures of Green Tree/Ditech to rectify a set of errors in the accounting of Account Number XXXX. There have been a number of additional issues with the servicing of this account, dating back to the date which Green Tree/Ditech assumed the servicing of this account XXXX ranging from Green Tree/Ditech refusing to acknowledge permanent modification of the mortgage on said account, which pre-dated Green Tree/Ditech assuming servicing of the account, to being apparently unwilling and/or unable to generate an accurate monthly statement and/or sending it in a timely manner. After more than seven months of communicating back and forth with XXXX XXXX XXXX and the XXXX Department, the issues are currently unresolved, and show no signs of reaching a resolution dealing directly with Green Tree/Ditech. It is to this end that we now turn to the Consumer Financial Protection Bureau and the Federal Trade Commission with the attached formal complaint. The Complaint itself is comprehensive and too large to post in this area. The actual complaint is labeled Exhibit AA. All other attachments are supporting documentation, as listed in the complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian 's credit investigation has taken too long. I sent them the attached letter over thirty days ago, but I have yet to get a response from them.

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 2016-08-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX XXXX XXXX will not fix the problem on my credit report. All credit agency XXXX XXXX and Experian and XXXX will not fix problem. 
This was never suppose to be on my credit and have never provided the signed contract for service which they are trying to collect on??????? 
Only XXXX credit collection company XXXX followed the rules that XXXX sold debt too.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: PA
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:
Regarding account ending in XXXX and CFPB Case XXXX, I am aware of your acknowledgement of the cease and desist request regarding account number ending in XXXX. XXXX XXXX has stated " A cease and desist status means that we will not communicate with you to collect a debt.. In the letter you stated that you respectfully are declining my request to stop reporting this account which is my personal information to the credit reporting agencies. And that it will continue to report for up to 7-10 years. I am aware that communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Keep in mind that a financial institution may not disclose non public personal information to non affiliated third-parties. Also I was never given the option to opt out of such reporting. Also my consumer report should never contain any experiences made between the consumer and the person making the report. Being that I am aware of these federal laws protecting my rights as a consumer and you must delete the account ending in XXXX. This is my written consent to opt out of credit reporting for account ending in XXXX. If my instructions to opt out of credit reporting can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or [ fraudulent statement or representation to a customer a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am aware that whoever violates 15 U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 U.S. Code 3751 with fines up to XXXX for a felony by an organization.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
THE CREDIT BUREUS ARE NOT REPORTING MY MONTHLY PAYMENTS ON MY HOME. I MADE A PMYMENT ON XX/XX/XXXX FOR XXXX, XX/XX/XXXX FOR XXXX AND XX/XX/XXXX XXXX. MY LOAN IS FROM XXXX XXXX XXXX MORTGAGE.

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 2017-01-19
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I previously disputed the following addresses that do n't belong to me, but still is listed on my Experian credit report. The following addresses do n't belong to me : XXXX XXXX XXXX # XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, MN 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: Mortgage Research Center, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, or remove this review immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2022 open a loan and said deliquescent in report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Focus Holding Company
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Several time a day I am receiving phone calls from Focus Receivables Management , LLC. The phone call is an automated call that alerts me that that this is an attempt to collect a debt and to call their number, XXXX. 

I have called there number repeatedly but never get an answer. After sitting through a short automation, ( click XXXX to speak to someone ... ) The phone simply rings continuously and no one picks up. At this moment, it has been ringing for XXXX. No answer. 

The debt is not mine. It belongs to the person who previously held my current phone number. I would like to ask them to delete this number from their system to stop the consistent calling but I ca n't get through to anyone. 

It has now been ringing for XXXX seconds.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Six years ago I contacted XXXX XXXX because I was struggling to make my payments and had fallen behind. I called into XXXX XXXX to discuss options for lowering my payments. I was informed that my only option was to sign up for forbarence and defer my loan for two years. This is not what I wanted to do because I want to actually pay this loan off, but no other option was given to me so I agreed. For two years I made interest only payments. It appeared that if I payed more to my account some principle was applied, however it did not seem to make sense as to why sometimes it was applied and other times it was not. 

Once I had passed through the two years of forbarence regular payments resumed, although now higher than before. I was pretty much in the same place I was two years before only now with a higher monthly payment. I tried to go along and make as many payments as I could but eventually ended up in the same place of falling behind. I called XXXX XXXX again and asked for options. This was around 2014. Forbarence again. Same deal as before. I just came out of that a few months ago. My payment is now, of course, even higher than before. 

Since I work for the XXXX I called and inquired about the loan forgiveness program. I already have 5 years of public service in so I thought this would be something to look into. I was told that this program would not work for me and the payments would be the same. So I continued to pay as long as I could until I was faced with the same situation again. 

I just called Navient a week ago and was put on a new repayment plan that will last for two years. It 's pretty much the same package as before but I am told that additional payments will be applied to the principle. I have yet to make a payment on this new plan yet. 

My largest issue with the past action on my account is the fact that I did not want to go into forbarence. I just wanted to lower my payment and continue to make progress on paying this amount off. All that happened was the can was kicked down the road and no progress was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
ECMC IS WRONGFULLY REPORTING MY STUDENT LOANS ON MY CREDIT REPORT AND IS REFUSING TO CORRECT THE NEGATIVE STATUS. THESE ARE PAID IN FULL IN GOOD STANDING LOANS BUT REPORTING AS NEGATIVE AND MULTIPLE TIMES HURTING MY CREDIT IN A MAJOR WAY. MY NUMEROUS ATTEMPTS TO CONTACT ECMC WENT INGNORED AND THEY ARE CONTINUING TO WRONGFULLY AND NEGATIVELY REPORT THESE ACCOUNTS! 



1 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 2 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 3 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 4 ) ECMC Acct # : XXXX Credit Limit : XXXX XXXX XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00}

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 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is fraudulent to have reported the account in question without my written consent. Please provide evidence of such or remove the item in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX

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 2022-06-02
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX Bank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX and XXXX XXXX account on my name is still not removed or not marked a fraudulent on my XXXX report, I have documentation that can be attached as proof. I have never missed a payment with any of my own account however my credit report is showing as it horrible this will need to be rectified and resolved.

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