BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-29
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I need relief from mortgage insurance on my current loan. I refinanced my home several years back under President Obamas HARP program. My mortgage company at the time was Greentree and the PMI would be removed in XX/XX/XXXX. I contacted my current service provider Ditrech and was told this cant be removed until XX/XX/XXXX. I am not clear for the reasons for this, but I need this resolved as I have had a severe reduction in income since XXXX due to illness and XXXX and am looking at a forced early retirement due to this condition. it is a strain on me to pay for co pays and medicine and to pay an extra {$200.00} + per month on a house payment that has not been late in almost 10 years of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/15 I requested validation from XXXX XXXX. As of XXXX/XXXX/15 I have not received any proof of this debt from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: USI Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Got a call from USI Solutions , Inc but did n't answer. Did a little research and found out they are junk debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: DISCOVER BANK
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of 2015, Discover Bank 's customer service person advised me by phone that, following 3 different months of writing more than XXXX checks/month on my money market checking account, I had reached the limit, and that a XXXX month would cause this account to be closed. This message was confirmed in a D. B. letter dated XXXX, which I received in early XXXX. I then wrote XXXX checks, including XXXX to the IRS for XXXX XXXX estimated tax payment due XXXX. 

However, on XXXX, I learned that this account had been closed XXXX when D.B. sent me a check for $ XXXX. The consequences of D.B. 's actions were : fees for returned checks from the closed account ( including XXXX for {$270.00} by the IRS ) ; stress caused by D.B. 's NOT advising me that the account was being closed on XXXX ; desperate attempts were required to provide funds for other checks, even though the money market account funds were sufficient ; even though I was told that a XXXX month of XXXX checks would trigger a closing, I lost control of my personal finances unnecessarily. 

The injustice of this is obvious to me, especially because I also have a regular checking account with D.B., into which D.B. could have transferred the $ $ before closing the money market account. This I could have arranged, if I had known before the closing that it would happen. The financial penalties ( exceeding {$300.00} ), plus the aggravation when several checks were returned for insufficient funds that were totally unnecessary should be borne by D.B. I have kept records of the transactions named above until this matter is resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Alorica Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
on XXXX/XXXX/2015, collection agency went on my credit reports, in violation of fcra, fdcpa etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: MNS & Associates LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collector is attempting to collect an old debt, that is past the statute of limitations. This debt is no longer on my credit report and has been closed. The collector calling me is asking for personal information which I refuse to give. I called them back and asked for the name of the company and address, and they refused to give me that information. They have called me 4 times this week, twice from the phone number XXXX, and twice from a restricted number. I belive the message said they were from XXXX or XXXX, as they spoke very fast and unclear. The voice message said to contact XXXX tp verify information. I asked them to take my name off of their calling list and they said no, we do not have a calling list. I hung up as I could see the call was going no where and decided to report them instead.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work out a loan modification with Caliber Home Loans since XX/XX/XXXX. Each time I have submitted the paperwork they 've asked for, they say they need only certain additional documents for a complete package. Each time as I have submitted what they request, they say to check back the following week, and then they have either come up with a different list or say they have n't received something that has been sent multiple times. At one point, my first Housing Counselor said she sent a certain item 3 times to them. They have given a list of items one day and two days later when they have what they asked for they give a different list, all the while pushing back and stalling the timeline of review so that I am now in danger of foreclosure. 
They are now in the process of DUAL TRACKING ... Caliber refuses to take the foreclosure sale date off my house, even though they finally conceded on XXXX XXXX that they have a complete loan modification document package to review. One representative told my housing counselor they would take it off in a few days after processing. Another, 2 days later, told her they will not remove the sale date as they believe they 'll finish reviewing and make a decision before the sale date. This makes it sound like they are really intending to go through with the sale, even though they say they 're reviewing now. I am no lawyer, but I doubt that the actions of Caliber Home Loans constitutes Truth in Lending, as I have caught them lying to my Housing Counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Not getting results from CB directly after mailing letters and sending faxes. These inquiries are not authorized and I 'm asking for removal from Experian report. 
1 ) XXXX Bank XX/XX/2016 2 ) XXXX XX/XX/2016 3 ) XXXX XX/XX/2016 4 ) XXXX XXXX/XXXX/16 5 ) XXXX XX/XX/2016 6 ) XXXX XX/XX/2016 7 ) XXXX XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was reported by XXXX department stor being late in XXXX and XX/XX/XXXX with my payment. I did make full payment with interest and late fee in XXXX and XXXX. With this late payment that XXXX reported to all XXXX credit reporting agencies my husband and I were not able to get the top tier interest rate of 4 % for 30 years instead got a 4.25 % for home refinance due to reported late payment that was payed in full. Contacted XXXX department store to get the late payment removed from the XXXX credit reporting agencies but XXXX was unwilling to remove the XXXX late payments even though the fee, interest and balnce as payed the subsequant month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was served a law suit for a medical bill. My wife and I found money to use to settle this bill we had allowed to go delinquent. My wife called into the agency to attempt to settle the dept. The company took her payment information and told her that they would withdraw the lawsuit. I later called in to request verification in writing that if we paid the debt with them the lawsuit would be removed. The agent, XXXX XXXX, proceeded to become rude and question why i would allow my wife to proceed if i disagreed. I then told him i was uncomfortable with the deal multiple times and he kept interrupting and repeating what i was saying. He then offered to cancel the payment and allow us to start over. When I said I wanted that option he became ever ruder and combative. I told him all i wanted was to settle the debt and i was not comfortable. We then ended the call with him cancelling the payment. 

I then immediately called back to speak with a manager XXXX XXXX. I informed him of what happened and he did not care at all. He did treat me better, but then he also informed me that they would not have withdrawn the lawsuit and that we had to pay the debt in full. I told him I wanted to know if i could settle with a lump sum payment and he said i could call back and work it out with XXXX XXXX. I told him I did not want to work with XXXX and that i was not comfortable. He proceeded to tell me i had to work with him and that he was the only person on my account. Not until I told him I would be filing a CFPB complaint did he let me know i could settle and that I could call back and speak with him. 

Their practice was deceptive, inappropriate, and unprofessional. I called in to pay my dept and take care of things and they treated me with disrespect. This company also mislead my wife and XXXX strong armed her into a payment arrangement we could have never met. This was a clear care of bully mentality and this feels business as usual. 

As a person who works for a debt collection company I know how important it is to have a willing paying consumer ... this was inexcusable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called " West Asset Management '' entered my phone number into an autodialer simply based on the similarity of my last name ( a common name ) to that of the debtor they were trying to locate. 

The autodialer voice prompts include an option to indicate that the debtor can not be reached at this number, but that prompt has been XXXX or is not functioning. 

When called back, an agent refused to identify himself or the company her represented. When called back again, an agent did identify their company, but refused to acknowledge they were a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Alorica Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
GLOBAL RECEIVABLES SOLUTIONS XXXX have a a unverified account from. I had previously disputed this account. I have never done business with GLOBAL RECEIVABLES SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt GLOBAL RECEIVABLES SOLUTIONS purport I owe. I request that GLOBAL RECEIVABLES SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that GLOBAL RECEIVABLES SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19
Company: Optio Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have a company called qualia collection services from XXXXphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in XXXX for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Experian Information Solutions Inc.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Experian Credit Reporting indicates I signed up in XX/XX/XXXX, which is true. However, I put in a request for cancellation in XX/XX/XXXX. Experian says they received no notice of this and I have no confirmation email. I have asked them to examine their records for any logins to the site, and only requested credit back of {$21.00} for the past 3 months, as that is standard to request for any purchase you dispute. They declined, offering 1 month credit only. I wish to receive the other two months. I should receive 6 months, but since I did not follow through on this - due to the death of my sister XX/XX/XXXX, when I no longer was interested in following my credit score or anything else, this is all I am asking.

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 monetary relief
Consumer complaint received 2017-03-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

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 2017-03-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, Ill try and make this short and sweet ... 
I have been diligently trying to get back money from my mortgage company for overages that I have paid the last 3 years. Bayview loan servicing has been collecting too much money for my escrow since XX/XX/2014, when they purchased my loan. I am a XXXX veteran who is tax exempt, I have the documentation from the county to prove this. EVERY TIME I call Bayview, I am pushed off to the next department with a different answer and a different resolution ; none of which has gotten me anywhere. I 'm XXXX. I do n't have the time, the resources or the patient for this treatment. I have asked a gal from my local credit union to help because Bayview has pushed me off time and time again, that its going to put me in the hospital. XXXX, my local banker has advised me to contact you to see if you can help. She has tried to fax, to upload, and to call when told to follow up the past 2 and a half weeks. She has had no luck. The last service representative she talked with, even hung up on her. She has been requesting an " escrow analysis '' of every transaction to date since they took over the account in XX/XX/2014. 
I want to know where my money has gone, why they have n't adjusted my payment to reflect the fact that I do not have to pay taxes. I want to know why this company pushes me off, I want to know why they wont help me. I just want the statement and I just want my money. Why as the " professionals '' will they not help? I pay my mortgage every month, on time. I have for the past 3 years while they have had my loan. I hope you can help me, I hope someone will hear my cry for help and make sure that this company does n't treat anyone else like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This agency has numerous errors on my report. Names, addresses and personal information incorrect. I have contacted them and they can not correct via on line or email. A phone call to them gave no results. I waited 20 minutes on the phone and finally hung up. They sent a updated report and refused to take off the incorrect info on Social Security. They are saying the address I live at is a business address, this in not true. They are reporting my name incorrectly. And I can not seem to upload anything to the site, nor will then send me a hard copy of the free report. There are several requests from companies I have no idea who they are. And I see some companies contact them all the time for updates on my credit. I take offense to all this. I do n't believe that companies should have so much access to my or any ones personal information, this way. This allows all kinds of people to access personal information and use it any way they want.

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 2016-09-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called into Wakefield and Associates using the number on my credit report on XXXX XXXX, XXXX at around XXXX. In that call I provided my name, social security number and date of birth and the male representative told me they did n't have any records matching my information. On XXXX XXXX I filed a dispute with XXXX and on XXXX XXXX I filed a dispute with XXXX and XXXX. The results were that the account was verified on XXXX and XXXX but that they had removed the account from XXXX. On XXXX XXXX I sent a letter to them at the address listed on the XXXX removal. The dates in my letter stated my call was in XXXX instead of XXXX, that was an error on my part but I included a copy of the removal and asked that they also remove from the other XXXX bureaus. On XXXX XXXX I also made a call to XXXX on an unrelated note and inquired as to how something could come back as verified if the company was given my information over the phone and told me they had no records for me. The representative then disputed the account again asking them to verify all personal information. On XXXX XXXX I checked my XXXX report and the account was gone, ten days later the account was back as a closed collection account. At this point I 'm assuming that they already received my letter and were only able to verify personal information because they got it from my letter. At this point they are playing with my credit report and credit score and no one is able to rectify this situation. I have not received any response from my XXXX XXXX letter. It should also be noted that I called the hospital on XXXX XXXX as well and they told me they had no record of the account because it came from a date that was before their merger with XXXX other XXXX and they did n't have any records prior to XXXX XXXX, XXXX. They advised me to contact the collection agency, which I did and that 's when this situation arose.

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 2016-03-09
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello my mortgage was transferred from XXXX XXXX to this company called SLS Specialized Loan Services llc XX/XX/2015. before my loan was transferred I had a monthly payment with XXXX XXXX for {$580.00} per month including taxes and insurance, never missing a month payment. XX/XX/2015 XXXX XXXX increased my payment to {$630.00} claiming the insurance had gone up. After my loan was transferred in XXXX 2015, my first three months were the same at {$630.00} then my XX/XX/XXXX statement came with a new monthly payment of $ XXXX/per month. I then called this new company SLS and was told there is an escrow shortage, this company SLS increased my monthly payment again it then went from XXXX to XXXX plus an additional amount of {$270.00} per month. This amount is not adding up unless iam paying double and triple for escrow. Iam asking for this to be resolved please.

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