BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
DITECH I am having serious problems with the servicer of my home equity line of credit. The loan was originated by XXXX XXXX XXXX ( a predator lender ) then assumed by XXXX XXXX XXXX then sold to Green Tree now known as DITECH I have had repeated problems with Green Tree/ Ditech . such as : 1 having my monthly payment applied to the wrong account. 
2.holding the amount I paid extra with my monthly payment in an escrow account to be applied toward next month 's interest. **It should have gone to reduce principle. 
3.confusion and lies in addressing my latest concerns, due date change, loan modification or ReFi. 

Ditech is reporting me over thirty days late with my payment for XX/XX/XXXX. 
My payments are due on the XXXX of the month. So I pay the XXXX of the month only3 days later. Each month I send extra for the 3 to 4 day delay and verify it on the next statement When I saw my credit bureau, I forwarded a copy of each monthly payment debited from my bank account for XX/XX/2016. to Ditech I called a couple days later to discuss and get the error corrected. The gentleman I spoke with was having difficulty and asked his supervisor for help. 

Supervisor XXXX asked me " And what is your question ... ''? I guess she had n't been briefed so I explained again. She responded in a very harsh tone " Well you 've been over 30 three times ... ''. I was astonished, thanked her and concluded the conversation. With that attitude I was n't going to get anything resolved. 
I called two mores times the next week and got promises " you will see the correction in XX/XX/XXXX '' or " you 'll get a call back '' So who was I to it write to. Ditech, s president, XXXX XXXX is gone, resigned or fired. The parent company, XXXX XXXX, XXXX XXXX, CEO is working to downsize the company to make it more " efficient ''. 
What happened to providing effective customer service for the accounts they have. The staff is rude and confused. This is clearly not happening and needs oversight by a Regulatory Agency. 

My loan is due to reset to higher payments, no one knows when. I did the math. A higher payment I can not afford and sill cause me to default. I asked Ditech 's loan modification specialist, XXXX to please call me so I could apply. To date I have not received a return call from Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After reviewing a recent credit file report provided by XXXX, it has come to my attention that " ConServe '', a collection agency based in XXXX, NY, failed to send written notice of a debt, did not specify the debt amount, and did not provide a statement with my rights to dispute the debt. The company has operated under unlawful pretenses and has violated the Federal Fair Debt Collection Practices Act. I seek an outcome through the ConsumerFinancial Protection Bureau that will rectify this gross consumer rights injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was with a Mortgage company for some years. My mortgage was brought or giving to my previous MTG company. I was behind often and I would ask for waivers, or if they could refinance my MTG but they always told me that they couldnt because my MTG was like a car loan so they could not do it. They always threaten to come get my double wide and I always said, how are yall going to do that because my land was finance with my house. I would tell them that I never had any trouble getting my payment waiver with the company that had my MTG before they had it. So finally they had me to write them and tell them my situation and why I could not make my payments because they where suppose to refinance it but, they said they couldnt. So I talked to my bank about refinancing for me. When I had to call the previous MTG company about the title it was to my surprise, they told me that they didnt have it. 
I called everyday to speak to someone different and there answer was the same. Doing that same time I went to the court house to check on the title and when i did that i saw the original MTG company as the owner on the deed. I even checked with DMV because they said it was like a car loan. I called around to attorneys and asked questions but none of them gave me any value information. I also looked online for information but nothing was clear to me as far as this being right. I also wrote the attorney general. They didnt receive any thing from them either but after the MTG was refin they sent them a letter and told them they didnt have the MTG any more. There name was never on the MTG, they didnt even own it and they knew it but they kept collecting my money every month. When I went to the closing I was told by the attorney there that they had to do a lose title because the MTG company didnt have one. I didnt know about a 3 day cancellation because the attorney didnt give me any paper work until they recorded it at the tax office. When looked it up the next week the new MTG company was on the deed. I just think this was wrong and I dont think they should been able to sell something they didnt have ownership to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Set up 2 payments to get current and the bank is still harassing us and making threats. Im a XXXX XXXX XXXX veteran of the United States XXXX. I have scheduled payments, not sure what the issue is, bank is even harassing us on a Sunday!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: EOS Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX ( XXXX ) entered into an agreement with me in XXXX XXXX to provide bundled package of cable television, internet, and phone for a fixed price that would not change for 2 years. A few months later in XXXX, they added a monthly charge of {$4.00} for internet modem, which I refused to pay because this was included in the fixed price locked for 2 years. XXXX continued to bill for this service. I always paid the originally agreed monthly fee on time, but refused to pay the {$4.00} surcharge that was outside our agreement. As XXXX continued to bill this surcharge despite numerous call to them, I terminated their service. XXXX claims that I owed them {$8.00} in unpaid surcharge and an additional {$67.00} for not paying the {$8.00} on time. In XXXX XXXX, I received a letter from XXXX. XXXX XXXX, a collection agency based in XXXX XXXX, XXXX, stating they were representing XXXX. I sent an explanation to them that I did not owe the amount of {$75.00} to XXXX. This collection agency closed the case after receiving my explanation. In XXXX, I received a letter from a second collection agency, XXXX XXXX, based in XXXX, XXXX. Again, I sent them an explanation that I did not owe the disputed amount to XXXX. In the mean time, I noticed that my consumer credit report showed negative information that I owed {$75.00} to XXXX. I disputed this information. Subsequently, XXXX XXXX closed the case and sent communications to all major credit bureaus to remove the negative information. On the XXXX XXXX, XXXX, I received a collection notice from a THIRD collection agency by name, EOS CCA, based in XXXX, XXXX. Again, I sent my written explanation immediately on XXXX XXXX, XXXX stating that I did not owe the amount of {$75.00} to XXXX. I did not provide my phone numbers to EOS CCA. However, EOS CCA has been calling my office phone XXXX a day for the past 7 days, apparently obtaining my work phone number via internet search. I have not received a written reply from EOS CCA. Instead, they keep harassing me via XXXX a day phone calls to my work phone number. This practice is HARASSMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made contact with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning this debt. I have repeatedly informed them that they were filing the insurance claim with XXXX incorrectly and they refuse to file it correctly. I have made contact with XXXX and was informed that they have not filed the claim correctly and that is the reason why they have not paid the claim. XXXX XXXX XXXX XXXX refuse to file the claim according to XXXX rules and guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-31
Company: NATIONWIDE ACCEPTANCE LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent Nationwide Southeast a Fraud Affidavit on XX/XX/2016. As of date, they are still reporting information that do not belong to me on my XXXX and XXXX. I have also sent this same Fraud Affidavit to XXXX and XXXX and they have not removed this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: AFNI 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 was paid

Complaint:
XXXX sent an unpaid portion of a final bill to collections and I accepted a settlement offer and in return for cashing the check it was agreed upon that they would remove the item from my credit, they cashed the check and left the item showing unpaid and open on my XXXX report,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions 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:
THIS IS NOT A DUPLICATE COMPLAINT This is Additional information in regards of the CFPB Complaint ID XXXX I, XXXX XXXX had ForgXXXX to submit my Cease And Desist letter in previous complaint mentioned above. 

However, the Cease And Desist letter is attached now in this complaint and shall not be construed for any reason!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: AFNI INC.
State: PA
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:
i never had or owned a XXXX phone or XXXX due to my living arrangements i did not have all my information and a lot of my personal belongings where not given to me or thrown away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: AFNI INC.
State: AZ
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:
I do n't have an account with this AFNI , INC . 

AFNI , INC, XXXX, IL XXXX XXXX. 

AFNI , INC claimed that I owned them {$600.00} and reported this account under Collection ( XX/XX/2016 ) with three companies XXXX. This action is incredibly damaging to the consumer credit and damaging my employment opportunities. Most companies these days want to check a potential employee credit reporting before hire.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Financial Filing & Reporting, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
GLC financial stated that I took a cash advance from XXXX XXXX XXXX and did not pay. I went to XXXX months ago and they have no record of me doing a cash advance and they stated that there system has been hacked. GLC stated that they are sending me to the district attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: EOS Holdings, 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:
Hello Sir/Madam, I received a " Notice of collection placement '' from a collection agency by the name of EOS CCA sent on behalf of XXXX XXXX for the amount of {$1000.00} on XXXX/XXXX/15. I found out from XXXX XXXX that somebody had stolen my identity at XXXX XXXX store to purchase XXXX phones 2 years ago. I had to file a police report before sending my dispute to XXXX XXXX and XXXX via email with all of the support documentations. 


Best Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I run a small business and have been banking with regions bank for a few months what a huge mistake at times my account has a low balance and they take advantage by reordering large transactions over ver small ones so they can collect large fees at times a few Small transactions that total less than XXXX dollars have cost me over XXXX in fees if they would process as the items came in this would never happen this is a huge scam

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: United Debt Counselors, LLC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
BLUF : This company is using intimidating verbiage to pressure consumers into working with their company. They also falsely claimed they are approved through the FTC, which stated they do not deal with these companies. 

Detailed information : Please see the attached letter that I have received. 

I called the company and they stated that they have approval through the FTC to receive my information from the credit bureaus to send letters to consumers and that their verbiage is also approved. They stated that their information includes any consumer with greater than {$4000.00} XXXX in unsecured credit debt. The company also stated that they negotiate with the credit card companies to pay off balances at up to 40 % off the balance. And they organize a savings account to save up and pay off this amount. The call was possibly recorded by the company, it took place on XXXX XX/XX/2019 around XXXX. 

I did not provide any information to this company. I did not attempt to work with them to settle any debt. I told them I do not have credit card debt with any of the listed banks, especially nothing over {$4000.00}. The employee offered for me to call back and possibly get someone with a working computer, and they could possibly remove me from their contact list. I did not call the company back. 

I found the CFPB after calling the FTC to inquire about their procedures. 

Company information : United Debt Counselors , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter stating I owed a debt and this was the first notice I have ever received on the matter. The letter just states that I owe a debt, it does not include a date of service or any helpful information to help me do my research. I have a family member who experienced the same thing and am starting to suspect this is a tactic to gain additional interest. I ca n't help but wonder how many other people are paying outrageous amounts of interest due to never being notified that anything was owed. Though at this point, I can not even verify I owe anything as I was n't given any information. The letter is from an attorney, which I believe is meant to be a scare tactic ; but the amount is so high, I just ca n't believe it is a true debt. I think their business practices should be looked at more closely. I sent the attached letter to the collector as well via certified mail. I waited a week to submit my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Data and Contact Management Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is dealing with an Estate Debt. A major credit card company hired a Collections Agency to collect a CC debt after my mother death. I am the legal administrator for the estate. 

Upon contacting both the CC and the debt collector, I was told by the CC the debt collector is the only XXXX that can now neg. the debt with me. Upon contacting the debt collector I was informed by the collections company that if I wanted to settle below a certain amount, they would need to verify the amount in the estate account and where asking me to provide a bank account statement. 
I feel they have no right to request such a document. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a personal line of credit with Regions Bank. I had a late fee put on my account that was also reported to my credit. I never received a statement in the mail. They say they sent it, but I did not get it ( the US Postal service is not a 100 % guaranteed delivery service ). Also, I do all of my banking online. They are the only bank I have that still requires mailing service ( they wo n't even let me pay my bill online from another bank ). They also do not allow me to view my statement for this account online. Also, when I logged into my online account, my account showed a {$0.00} balance. The only way I was to know I had a bill due was to get the statement which I did not get. This bank is XXXX of the largest in the XXXX. There is no reason I should n't have access to statements online, for them to correct their system so when I have a balance due, it actually shows a balance due on my account. I called and emailed them and they pretty much said " not our proble. We mailed you a statement. '' It is their problem in the Internet age I can not have full access to my account. I have problems with the postal service because they confuse my address with another person and sometimes I do not get my mail which is why I do all of my banking online! They reported my late payment on a fee I was unaware of. They need to update their system and remove the XXXX late payment I have ever had posted on my credit report!

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 2017-01-02
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/2016 I was charged XXXX NSF charges in which I should have only been charged for XXXX. A XXXX dollar charge was presented which left me XXXX positive after which a charge of XXXX came in from XXXX which caused me to overdraw my account. However, with the extra charge of XXXX dollars caused my account to have a domino affect over the next few weeks which caused over XXXX dollars in overdraft fees. I went back farther in my account and this is not the XXXX time they have done this but this time it just caused a lot of problems and was very inconvenient being that it all happened during the holiday season

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