BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: Ditech Financial LLC
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX sold our XXXX Mortgage to Green Tree Servicing LLC a few years back. I 've been reading about harrasing calls for collecting payments and we most definately agree, they were so rude and demanding. Their calls would always start out " could I speak to XYZ '' and you respond " this is '' and the next sentence would be " do you want to keep your home at XYZ '' ). Really, what a very offensive comment on your XXXX call requesting payment information. I recall many times I commented that they put their efforts towards collecting from true " past due '' customers and not us when we did n't miss a payment in a 30 day window ). They would go so far as calling on the due date if it did n't arrive and ask where 's your payment, what 's the check number, why did n't you mail it in time. XXXX conversation we specifically remember that was so wrong on their behalf.. I questioned them as to why they continue to call every month without allowing us the 14 day grace period before it 's past due. I was told Green Tree is a collection agenecy not a mortgage company so no grace period is allowed, which I found to be very concerning as my loan was definately connected to my home mortgage for colateral. Last year, XXXX sold our primary mortgage to Green Tree as well so I 'm concerned what the future may hold for us if our payment does not arrive on or before the " due date '' and no grace period allowed ( according to GreenTree representatives ). I do have to say for a professional lending company, they have no professionalism in their business tactics. 
We just recently paid our XXXX mortgage in full with GreenTree so we could have the harrassing stop every single month, no matter what the date was and we did not feel they deserved XXXX in interest to support wages for that kind of customer service. If I had the finances I would pay my primary mortgage in full as well so GreenTree receives no interest from us ( but we currently do not have the resources to pay it in full ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Goshen Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We put our house up for short sale, it has been up for sometime. We received a solid offer based the comps in the area. Investors want an offer of {$120000.00}, which is unrealistic. When I asked if the comps were reviewed I was told not really. They refuse to stop the sheriff sale

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt collection agency is reporting negatively on my credit report and they should not be as arrangements for payment were made with the original creditor and a certified check has been cashed by the original creditor for the amount that we agreed upon. The only contact I have ever had with Financial Recoveries was to dispute the validity of a debt and request that they remove there account from my bureau reports. I had to make XXXX request for debt validation and when I finally received it, it was in an unsealed envelope with personal and private information exposed. Financial Recoveries have received proof of payment from me as well as XXXX XXXX showing my obligation has been met with XXXX however they refuse to remove the negative and incorrect info from my credit report. The original balance was {$1500.00} I settled with XXXX for {$750.00} which XXXX accepted and cashed my certified check but Financial Recoveries will not remove the negative info and are reporting that I still owe a balance of {$820.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Capital One thru XXXX has been garnishing my wages for a debt that is well over 7 years old. They have violated my rights under the FDCPA Fair debt collection act. In XXXX XXXX, XXXX Capital One had a Civil Action against me. XXXX, XXXX XXXX XXXX filed it on Capital One 's behalf of a credit card debt of around {$1000.00} ( I dont know the true balance ) in XXXX County Oklahoma. I was never informed of this court hearing. I found out when on XXXX/XXXX/XXXX when Capital One started garnishing my wages at XXXX % per paycheck. The paperwork was supplied by my employers, not Capital One or XXXX, XXXX XXXX XXXX. That was when I contacted XXXX Co Courthouse for documents of the Civil Action. The balace of the bill was {$4800.00}. That was about XXXX times the accual amount of the bill. Then I moved from Oklahoma to Florida in XXXX XXXX due to the tornadoes destorying my home. 
In a new job in Florida I was yet again getting my wages garnished on XXXX/XXXX/XXXX. Capital One again thru XXXX, XXXX XXXX XXXX was garnishing wages at XXXX %. I called Capital One and they told me I would have to contact the lawer firm handleing the case. I called XXXX, XXXX and XXXX and tried to settle the case due to financially difficulties I was having. I was informed that they would not settle and if I didnt pay the full amount they could go to court and get me to pay more money than I owed. XXXX, XXXX XXXX XXXX didnt record my phone call and the woman I was speaking with refuse to tell me her name. She was cussing at me and telling me the firm and Capital One owned me and they could do what ever they wanted to get payment, the court was on thier side. About 4 months later I was contacted by XXXX, XXXX and XXXX about settleing the debt. The man stated he was authrized to allow the amount garnished to be enough to settle the debt. He would be sending me a letter in the mail stating the debt was settled and considered paid in full. The letter never came. I tried to contact XXXX, XXXX and XXXX at the phone number he provided and it was disconnected. Then called the phone number on all the papwork and was hung up on. Then on XXXX/XXXX/XXXX Capital One allowed XXXX, XXXX and XXXX to garnish my bank account. They took {$1000.00}. 
Captial One and XXXX, XXXX and XXXX has never once contacted me on any of the court cases against me. XXXX has XXXX County Court house where the judgements are coming from. The debt is well over 7 years old and doesnt even show up on my credit report anymore. Plus the fact that they settled with me and yet still coming for money and the XXXX Co Court is letting them. I know now that Capital Once and XXXX, XXXX and XXXX lied to me about the settlement as I have never gotten the promised settlement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased products through XXXX  which used affirm as a payment option. I paid ALL loans off & received paid in full notification via email & inside their affirm app. 
ALL of the products ordered were incorrect so a return & refund was arranged. 
I returned the items and got confirmation they were received. Since then Ive been bombarded with emails telling me I owe them money ( which is baffling ). 
I spoke with an affirm representative and he told me that THEY STILL OWE ME {$670.00} XX/XX/2022 at XXXX p.m. I have the notes. 

XXXX Thats the confirmation number I was given for a 2 to 3 week response from XXXX ( which I never got )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: ID Analytics, 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: Credit inquiries on your report that you don't recognize

Complaint:
I discovered a credit bureau report from XXXX XXXX that I did not authorize.

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 2016-09-15
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, Regarding our attempts to modify our mortgage with Greentree/Ditech over the past, almost 2 years. 

*in late XXXX, we began working towards a modification *after almost a year, full of lost papers and constant resending of documents, we were approved for a trial modification in XXXX XXXX *we made trial payments, per their instructions, in XXXX, XXXX, and XXXX of XXXX XXXX XXXX, there was no communication. 
*after repeated calls from us, we made a payments in XXXX and XXXX. 
*rec 'd a letter in XXXX stating we no longer would be able to modify due to not returning documents? 
*attempted to contact the rep on the letter referenced above, but no answer and no return call after leaving numerous messages *last message I left stated I would not continue payments until we could figure out what was going on. 
*continued to reach out in XXXX - no replies *drafted a letter to Ditech in XXXX XXXX responded in XXXX, stating they would review my inquiry, and get back to us in 30 days *In XXXX, another letter was sent by Ditech, basically saying our situation was still being reviewed *In XXXX, we rec 'd a letter from and attorney stating he was authorized to begin foreclosure proceedings *sent a letter on XXXX XXXX in response ( as requested on the attorneys notice ) with copies of the correspondences with Ditech *No response *Homeowners policy renewal payment of {$370.00} sent by me on XXXX - check was returned to us *Called my ns agent who stated policy was paid in full by the lender - we have always paid ourselves? 

So, it is now XXXX, and I 'm fearful that these people never had any real interest in working with us, and foreclosure is imminent. 
My wife and I worked diligently to save our home, but it just does not seem to matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech is current servicer on a mortgage loan transferred to them from Green Tree. All correspondence from them relating to possible modifications or other remedies come in the form of a letter, but it is never signed by anyone. Seems to me that whoever is sending me a denial etc should sign the letters. I feel that ever since the transfer of the loan that one person should be my contact in loss mitigation/modification dept. so I have a name and phone number. Personal contact is needed, but seems to me they always are changing people and its almost like starting over when a new solution is possible. Poor communication with no one person really having the authority to solve the issues involved. Suggestion that I make for a possible remedy never are presented to XXXX XXXX on my behalf.No real flexibility in working out a solution to prevent a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: World Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Company states that I owe a remaining balance on a loan of approximately $ XXXX+. I have refinanced loans with this company a number of times over a number of years. I feel that the interest calculation on the loan is incorrect and that I have more than paid off this loan based on the amount of interest paid as well as paying for insurance. The company is continuing to try and collect the remaining balance and is continuously calling work and home. I want the loan to be investigated to determine whether or not it violates lending standards. If it does not then I will pay the remaining balance. If it does I want my account resolved and any negative credit reporting corrected. In addition, I want the Company to cease calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX, 2016 I received my XX/XX/XXXX/XX/XX/XXXX escrow in mail from Ditech Financial LLC. Upon reviewing I became alarmed by the huge property tax increase and large increase for XX/XX/XXXX mortgage payment due to these projections. ( felt a little sick because of a similiar situation taking place in XX/XX/XXXX/XX/XX/XXXX ). I telephoned next morning ( XX/XX/XXXX ) to find out what was going on. After several calls I was quickly able to realize that the escrow projections were in error based on customer service reading my neighbor 's parcel ID as well as mine. I explained that there was a legal amendment/ partial release to my mortgage based on an error of Green Tree 's when a refi was done as part of The Making The Home Affordable Program. ( XXXX XXXX had pulled the wrong legal desciption when refi was done ) I ask that they look in their system for the document and they were able to pull it up but some how it was overlooked when they uploaded file ; this was in connection from Ditech becoming GreenTree. Thus began the inconsistent information being given to me by customer service. I was told that under circumstances that it could take up to 14 days to investigate but with documents in their system to call mid next week and they should have it investigated. It was then said it would only take another 5-7 business days to perform new analysis. Finally the rep I spoke with said information from calls and XXXX page amendment would be emailed to me while we were on phone but to date no email has been sent. This made me very uncomfortable in thinking that the calls could be overlooked and so could the research they said they were going to do. Therefore I sent several faxes and letters ( Written Qualified Request and Notice of Error ) on Saturday, XX/XX/XXXX as well as messages to the online message center. I did not receive any phone calls to confirm receipt of information. Then on Monday, XXXX XXXX, 2016 I sent a letter priority mail ( so I could track when it would be delivered to ) The Taxing Department, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX As one last attempt I emailed Ditech directly XXXX. The email consisted of said letter and forwarded emails from XXXX County Treasures Office of which had the XXXX page partial release document attached. When I called Ditech Customer Service on Wednesday, XXXX XXXX and was told a whole set of different time lines, they were not allowed to email customers and that this could take up to 90 days after research was finished I became more than alarmed and realized I needed assistance in getting this error on their part fixed thus turning to you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Green Tree Services had excepted a payment in full and left with just about nothing. Yet they still have a negative on my credit report. XXXX XXXX was going to give me XXXX funds to relocate and XXXX decided they did not want this considering they were not going to get their full payment. So I was forced to settle for XXXX, not once did I have anyone come to my defense in order to get me what could have gone a long way. Malicious acts from those who have power. On top of not giving me the funds, I am stuck with a negative on my credit report till 2020. Some justice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone is trying to open a credit card with a line of credit for XXXX With citizen world Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had hail damage to my home of over $ XXXXXXXX. The insurance company issued me a check with Ditech Mortgage ( lienholder ) also on the check. Ditech Mortgage stated I had to send them the insurance claim, endorsed check and copy of contract for work to be completed. I sent all of these items along with breakdown and invoices of items I paid for already out of my pocket. I sent the package out and waited. I called after one week and was told they were still working on the file. I received a check today for $ XXXX ( this is what they call half of the {$20000.00} check I sent them. They did not send me the reimbursement for the {$4300.00} that I have spent out of pocket to replace all of my windows ( which were broken and damaged ). They are telling me they will not release until I provide proof windows were replaced. I sent the paid in full receipt for not only the windows but the installation invoice. I sent them pictures yesterday. I called today and was told they will not send any more money until all the work is done. I have holes in my roof and we have had several torrential rains since the hail storm. I need my money to be released so I can get the rest of the work completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in Ohio confirmed they are all paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Scott Fetzer Financial Group Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
United Consumer Financial Service is trying to collect on a debt for so called house alarms that only cost XXXX and they charged XXXX for them. This was flat fraud on people who do n't know better. XXXX XXXX is a collection agency for them also and has sent multiple letters.The company that comitted the fraud is out of Missouri. But not sure of the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Incorrect information on My report, XXXX XXXX reports dept of XXXX I never had a account with these people,

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 2016-09-06
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was sold to Ditech approximately 12 months ago. Ever since Ditech has received my mortgage it has been a nightmare. I 'm bombarded with invoices once maybe twice a week. Before I am even delinquent there are phone calls and more mailings about getting current. I have had and currently have mortgages with other companies and have never experienced such a confusing and negative experience on an on-going basis before EVER. Unfortunately this is not just a one time event but reoccurring every month. If I do n't look carefully at my invoices and question the charges I would be paying many unnecessary fees. Again something I 've never experienced before with any other mortgage company. I believe Ditech intentionally makes their billing statements confusing to decipher and frightens people by threatening to foreclose on their mortgages when their mortgages are not in foreclosure status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: BTH Management
State: VA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I went to check my credit report and notice that Plaza services has put something on my report. I do not know what this is. I have not receive anything from this company saying that I owe anything. They should have sent me a letter letting me know who the creditor is so that I could have taken actions before it went on my report. They gave me no notice to get this resolved.

Company response to consumer: Closed with explanation