BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my my co-pay to XXXX XXXX XXXX in XX/XX/XXXX for my XXXX. I never received a bill for charges beyond that. PDQ Services, INC has looked into my credit it seems over the years, my husband and I filed for bankruptcy in XX/XX/XXXX. I disputed the information this XXXX XXXX because I got a hit on my credit AGAIN. In the dispute it was stated that the debt was not included in my bankruptcy because it had been paid- I PAID MY MEDICAL CO-PAY for services rendered- again with no notification of owing more than that. Now they are sending me letters stating they contacted their client XXXX XXXX XXXX to verify the debt. 

I called today to speak with XXXX as I have moved away only to find the office has been CLOSED. There is no forwarding number, website or information. I do not know who PDQ is contacting because XXXX XXXX XXXX is out of business. 

I am so frustruated, my credit score has dropped XXXX points in the last month due to this improper collection. When I tried to call today to get information on who they spoke to I could n't get the person who was trying to collect from me on the phone. This is now 5 years later.

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 2021-01-07
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is the email used to submitt documents for relief for finaicial hardship this company claims they havent recived docuemtns in a timely fashion which is inaccurate. i will provide proof that is was sent timely AND this is the second time that this has happened to me and Mr cooper does NOTHING to remedy thier clerical process and records tracking and deny any RESPONSIBILITY after tremendous damage is done. 
point being when this happend XX/XX/XXXX which would have been my first complaint against this company they lost documents and i showed proof that it was submited ONTIME. so enclosed ill show two instances of negligence the prior misrepresentation of the emailed documents they claimed i didnt submit and this last one This happened XX/XX/XXXX ihade until the XX/XX/XXXX to supply documents on the XX/XX/XXXX i wsa denied becasue they said they havent recieved documents. 

WHEN I CHECKED MY ACCOUNT ONLINE THE DOCUMENT WAS SWITCHED initally it said XX/XX/XXXX the one i SAW had the same language but the date CHANGED to XX/XX/XXXX but this one said XX/XX/XXXX??? this was SWTICHED i swear im not going crazy this company is altering docuemtns to for ill intent. even still the doc was SENT TIMELY on the XX/XX/XXXX but as GOD as my witness it said the XX/XX/XXXX this needs to be investigated!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree improperly raised the interest rate on my mortgage. The terms of my mortgage contract state that the index is the weekly average yield on the United States Treasury Securities, adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. It also states the most recent index figure available as of the date 45 days before each change date, is the index that will be used to determine the change. The new interest rate will be calculated by adding 2.75 % to the current index and then rounded to the nearest one eight of one percent ( 0.125 % ). The rate will never increase or decrease on any single change date by more than two percent. 
( Prior to the reset my interest rate was XXXX. They added 2 % to the 2.875 % and it is now 4.875 %. They did not adjust according to the contract and use the proper index ). 
Forty five days before XXXX XXXX, 2015 is XXXX XXXX, 2015. On XXXX XXXX, 2015 the index was XXXX adding the margin of 2.75 % my new interest rate should have adjusted to 2.97 % with a new payment of {$900.00}. Not {$1000.00} In addition my escrow account shows that a payment for my hazard insurance will be made on XXXX XXXX, 2015. I have never had an escrow account for insurance or taxes, I pay them myself. 
On XXXX XXXX, 2015 I called and inquired about this. I was transferred to 4 different representatives, each time having to give my account number and social again. no one was interested in helping me answer my question. They were rude and wanted to know when this months payment would be made. The final person I talked to told me to send a fax to customer service general correspondence, stating I was disputing the change in the rate, which I did on XXXX XXXX, 2015. I also have written a QWR ( RESPA ) letter which will be mailed certified tomorrow XXXX/XXXX/2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I separated in XXXX 2014. We have a XXXX mortgage with Greentree XXXX. My husband did not / is not helping me financially with any of the bills we had. I contacted Greentree and requested forms to apply for a modification based on XXXX income XXXX mine ). They wanted the divorce decree. I had n't filed for divorce at that point due to the financial state I was in. I was granted a quit claim deed and my husband signed off on the house. My XXXX mortgage company XXXX XXXX XXXX quickly issued me a modification based on XXXX income. Greentree would not accept the quit claim deed and wanted my husbands financial information. I explained to them he does n't live there anymore and will not provide me with his income or expenses. He then was out of work with absolutely no income from mid XXXX thru late XXXX. I have tried to provide everything and anything to Greentree to request assistance with paying my XXXX mortgage and they refuse to do anything until I provide a divorce decree. I have filed but am in the 90 day waiting period that PA has for divorces. I receive telephone calls on my cell phone, and at work, at the minimum of XXXX to XXXX times a day. I always get the same person ( XXXX XXXX and she is very nasty and likes to remind me that I am a mother and need to keep a roof over my sons head so I need to pay my bills and she is a single mother and manages to do it, why cant I? I have blocked every number possible but they still get thru and leave numerous messages on both my cell and work voicemails. I am current with my XXXX mortgage and certainly do n't want to lose my house over a {$14000.00} loan that I can repay with a little assistance. They refuse to work with me and harass me every day of the week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last XX/XX/2020 I've file documentation regarding to those unknown and inaccurate accounts that I found on my credit report. It cause me a lot of stress since no response yet its almost 60 days now. Im a victim of XXXX  Data Breach and I demand to REMOVE ASAP those accounts on my credit report or I will file a litigation.

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 2016-08-07
Company: World Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and XXXXXXXX with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
XXXX validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen XXXX. XXXX very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime XXXX XXXX must cease and desist all debt collection practices. 
In the event XXXX. XXXX or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: BTH Management
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to Plaza Services, LLC. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted Plaza Services and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to Plaza Services via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by Plaza Services, LLC on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from XXXX claiming to represent Plaza Services, LLC to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to Plaza Services, LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My home was taken off my credit report. I filed a bankruptcy loan back in 2008 and I clearly told my attorney to make sure my house was not included in the bankruptcy. My mortgage servicer was Greentree, the mortgage was reported in my credit report properly, but DiTech took my loan and removed my home from my credit report, even though they recently sent me a verification of mortgage stating the home was mine. This has ruined my credit. I have talked to them on many occasions and they are not willing to help. I tried to get a reaffirmation and mt bankruptcy attorney has been uncooperative. My loan investor is XXXX and they have told me they do not know what I should do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX An unexpected Payment book arrived in U.S. Postal mail. I nor wife have ever shopped at Conn 's Appliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: ECMC GROUP, INC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I sent a Letter to ECMC disputing the accuracy of negative reporting of Charge off on my credit report for student loans that were through XXXX XXXX, I had, had them deferred back in XXXX for 6 months and then in XXXX XXXX, they were paid off in full. Those letters were sent out XXXX Certified letter on XXXX XXXX, XXXX, signed for on XXXX XXXX, XXXX. After 30 days I never heard a response back from ECMC. I 've disputed inaccuracies with ECMC back in XXXX as well, sent a letter out on XXXX XXXX, XXXX they refuse to respond to my letters requesting " that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them this debt and therefore has broken the law by not reporting in a timely manner.

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 2016-12-26
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I continue to have problems with Ditech. I made a payment for my mortgage that was due XXXX XXXX, XXXX. I sent the payment with the statement for this due date on XXXX XXXX, XXXX. It was received by Ditech according to their own records on XXXX XXXX, XXXX. Instead of being applied to XXXX 's statement, it was applied to the principal of my loan. When I failed to receive a statement to make the XXXX XXXX, XXXX payment, I went to my account online on XXXX XXXX, XXXX. It was then that I realized that Ditech had misapplied my payment from XXXX and had assessed a late fee because it indicated that it had not received the payment for XXXX XXXX, XXXX. I called customer service and XXXX told me that she would put in a request for reallocation and to reverse the late fee. I went ahead that day XXXX XXXX XXXX, XXXX ) and made a payment to cover the XXXX XXXX, XXXX payment. On XXXX XXXX, XXXX, I saw that my XXXX XXXX, XXXX payment had been applied to the XXXX payment and that my new due date was XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, the due date is now back to XXXX XXXX, XXXX, and both XXXX XXXX 's and XXXX XXXX 's payment are in a catch all category of " unapplied amount. '' This is unbelievable! They have also not reversed the late fee, even though my XXXX and XXXX payments were not late. I will call them again tomorrow but this is getting ridiculous!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am on bi-weekly payments with ditech. 
They did a system migration and applied the payments to principle which made my loan in pass due status. I then received a letter from a debt collector in attempt to collect a dept. 
This is a problem that was create by ditech to thousands of loans. It has affected credit problems and mental stress.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was closed a while ago. When Covid 19 forced XXXX XXXX 's call center to close, I was unable to make my payments due to my account already being closed for over a year. With a closed account you have to speak to an agent to make a payment. It was out of my control that they're call center was closed due to the pandemic, and I should not have to suffer consequences for that. As soon as the call center opened up, months later. I made my payments. I should not have any late payments on my credit report. It was/is against the law due to National Shut Downs because of Covid 19.

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 2016-11-06
Company: Midwest Recovery Systems
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a notice from XXXX on a new collections account appearing on my XXXX credit report. 
1. I know nothing about this debt 2. I was never notified in writing prior to this debt collector being put on my credit report 3.I never had an account with the original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I was making regular payments. In XXXX XXXX I was XXXX in the Michigan XXXX. The finance company knew this but continued to harass my parents. 
I was released XXXX XXXX, XXXX. I got my Social Security XXXX reinstated and started making payments XXXX XXXX, XXXX. I have been making, and plan on continuing to make regular payments until it is paid off. 
I have been regularly checking my credit score and have noticed that the balance is still at {$19000.00}. I called Ditech to inquire as to why my payments are not being reported. I was told that they do n't report payments until the outstanding balance is paid in full. At {$300.00} a month, that will take about 6 years. It will state on my credit report that I still owe {$19000.00}. 
If I am making regular payments, then they should be reported to the credit bureaus. They are quick to report if you DO N'T make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan is through PennyMac. I pay it at the end of the month - that is when I have money to pay it. I have always paid it at that time. I have had multiple conversations where they acknowledge the request and that I am less than 30 days past the expected pay date. They keep calling me during the day, at work, during the month about that payment. They say the only way that I can get them to stop calling me at work, while I am working, on the only phone I possess ( a cell phone ) is to file a " cease and desist '' letter. 

I have to pay a lawyer to get them to not call me at work, during the day. That is unacceptaable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 120 days past due as of XX/XX/2014 90 days past due as of XX/XX/2014 60 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: TRANSWORLD SYSTEMS INC
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:
I was assigned my current home telephone number approximately XXXX months ago. Since the assignment I have received numerous unsolicited calls and XXXX put a stop on XXXX of them. However, Transworld Systems , Inc., a collection agency attempting to collect a debt has consistently continued to call me even after I have called them on XXXX different occasions giving my name and telling them they are calling the wrong number. Using their ID code XXXX they verified they are collecting on XXXX different people and my name is not among them. They promised to remove my number from their records again today XXXX/XXXX/16. I am sure I will continue to receive their calls since I have called them XXXX times before. Listing of calls : XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 It is illegal to call after XXXX XXXX but they did

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Attention Midland : The last correspondence I sent your company on XX/XX/2016 pertained to a demand for validation. Your company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report as a valid account. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the account from my credit report.

Company response to consumer: Closed with explanation