BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage had been in bad standing for several months due to some life changing event that included husband being laid off from work, martial separation, and daughter stating school. Green Tree had been contacting me extensively and I kept informing them of my issues at home. At one point I was 2 months behind and a person from Green Tree left a letter on my door asking for me to contact Green Tree. I then contacted them and was informed that I needed to submit a complete package of bills, paystubs, and letter informing them of my recent changed. I then called to follow up with Loss Mitigations and was informed that my case could not get reviewed until my account was current. I would ask for the Loss Mitigations phone number and was informed that they could not speak to me until my account was current. I then took a loan out in order to may my account current and not get forclosed as I was told by Green Tree and then called back once again to see about my Loss Mitigations case and was told that it was closed and could no longer be reviewed because my mortgage was current. A few months later I called back once again to see about reducing my finance rate and was asked to fax several documents. I had to pay a fax service {$30.00} just to send all of the information needed. I was then informed once again by Green Tree that I did not have any options available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a condo in XXXX XXXX, MS. That was destroyed during XXXX XXXX in XXXX. Greentree Mortgage was my mortgage lender. I only have a slab left from the condo. I paid my mortgage for many years after the destruction. I tried to work with them to decrease my payment or extend my loan. They would do neither. I got a call from them that they were going to charge me an exorbitant amount of money for their " full coverage '' insurance to protect their " investment '' from fire, etc. I told the representative, that it was a slab, nothing was left, that a fire would only improve the property. I went through all the representatives and supervisors. They threatened to foreclose on the property. This went on for several months, with calling at all hours of the day and night, threatening, etc. Finally, I spoke with them and the company would not modify the loan and said they would foreclose. I gave them my contact information and they said they would start foreclosure proceedings. Move forward to XXXX, and I find out that I still own the property and they never foreclosed. I went to the XXXX mortgage office and my original mortgage it still there. Now they have " Reorganized '' and have this lawsuit against them. I found out that they Charged off my account, but never foreclosed, now the property is in limbo. Who has my mortgage now? Ridiculous company, charged me tons of fee 's from everything from paying your bill on their system to all these charges, Who can even tell what the real mortgage amount is with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named LNV Funding had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who LVNV Funding is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our lord XXXX, thirteen years later, I am now being harassed by XXXX XXXX XXXX, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, XXXX XXXX XXXX is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
this is the XXXX complaint our mortgage company keeps making same mistake charging us for paying our taxes and house insurance when this is a non escrow account they say my county and house insurer say we are delinquent far from the truth we send documentation proving they are lying they are tuning our credit we are on social security and cant afford a lawyer some should help us they keep tacking on more money to our morgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I spoke to Rushmore several times since my mortgage was bought by them. Each month I called in to get my mortgage on auto pay and was told it was set up. Each month I learned the mortgage was debited late and after I called in for a manual draw. There were a couple months that I paid double payments since the prior month was not debited and each month the agent told me not to worry about the error since they were not reporting to the credit bureaus due to covid. I have a more than 12 year history of on time payments before they bought my loan and now that they have it, they have yet to resolve the autopay issue. I have given them my account information each month for billing and they still have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a modification, the bank modification department gave me a payment plan to follow, I would know the outcome at the end of the plan. I followed the plan as requested, but the bank failed to notify me of the outcome, I kept calling and asking what to do, the loan officer never answer my calls, the customer service department kept telling me to keep sending the amount as per payment plan. After a couple of months, I made the decision to start paying more to catch up with the normal payment. The collection dpt. started calling me saying I was late on the payments, I kept explaining to them about the situation, and they kept giving me the run around within the different departments ; Although they knew I never got an approval or denial letter, they still reported my account as past due with the credit agencies. I 've asked them to view my payment history showing never late, just following the payment plan, but the bank refuses to remove the bad reporting from the credit reporting agencies. 
The purpose of this complaint is to ask Citi mortgage to immediately remove the bad credit report from all the reporting agencies. 
This is not accurate reporting and has been hurting my ability to refinance and improve my quality of life.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

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 2022-10-02
Company: Avant Holding Company, Inc.
State: TX
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:
Avant company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2015 the XXXX area went through a flood for the fourth time in less than ten years. As the residence go through the rebuilding and repair process, we find out that you are not in good hands with XXXX or Greentree Servicing ( Ditech ). 
XXXX insurance company finally released the funds in complete to myself and the mortgage company Greentree Servicing ( Ditech ). The funds have been in the hands of the mortgage company since XXXX XXXX, 2015 and still has not paid anything out. 
XXXX initially promised a check to take care of emergencies now, i.e., to take care of the water heater, furnace, etc. That never happened. They informed me that they should be able to release a check within 7 - 10 business days. Once again it never happened. In good hands is a statement that XXXX should not be using. They did n't take care of any emergency funds. 
After three and a half months none of the repairs have been completed because no funds have been released. All the paperwork has been filed with Greentree ( Ditech ) since XX/XX/XXXX. The mortgage company has made my contractor fill out the same tax paperwork now five times and there is only XXXX possible ways to fill this out. 
Since the flood I have been boiling water to take a bath. As it starts to get colder out now, I 'm having to use space heaters to keep the place warm. I have now stopped paying my mortgage so that I can either move out of have the funds to fix what needs to be fixed. 
On XX/XX/2015, I was called an XXXX by one of the Greentree ( Ditech ) employees for not knowing how to manage my money. I am now getting hang up calls from these people. They call me every day telling me that I owe them, but they do n't want to hear that they owe me for the services that need to be done. 
At this point I am being driven away from my house. I am getting sick from lack of hot water, lack of possibility to get warm, and there is mold growing in the house causing me to cough uncontrollably. 
I have no other options at this point, but to move. My health is now a factor and no funds are coming. How do I possibly get out of this? How can they expect me to stay here with the house in this condition? How can I be getting harassed by this company that wo n't help it 's customers? 
I do n't know what else to do, but move. They have made it so hard on just fixing my house. I 'm completely exhausted. Everytime I call Greentree ( Ditech ) it is over an hour on the phone and if they do n't cut me off, I get treated like I 'm the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX  reports on all my credit reports derogatory and invalid information for years Ive disputed this and asked for validation of debt and none ever provided by XXXX experian, XXXX  and XXXX. Credit agency keeps saying it meets fcra requirements but will not provide me any judgements, bills, or documents proving this debt belongs to me. I am going to obviously seek legal council and seek damages.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act displaying the address, XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2015-10-25
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX or XXXX of XXXX 2015 my mortgage company, XXXX, informed me that Green Tree, now Ditech would be takingover my mortgage, letter stated payments prior to XXXXwere still to be made to XXXX. Payments made after XXXX of XXXX were to be paid to Green Tree/Ditech. In XX/XX/XXXXI started receiving statements from Green Tree/Ditech thatI was behind XXXX payments, I talked to an accountrepresentative and was told that it looked like XXXX and XXXXpayments had not been forwarded to Green Tree/Ditechfrom XXXX. Now it is almost XXXX, Green Tree/Ditech claim they do not have those payments. However, Green Tree/Ditech have received my XXXX paymentsmade out to them. They have been applying those pymtsback to XXXX which still makes it look like I am behindXXXX payments. I need this cleared up immediately. I can providecopies of the checks, signed certified return signature cardsand copies from the bank where those payments cleared the babank from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Credit Karma, LLC
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
the address from California is that of the person who stole my identity 10 years ago.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Denied Energy Efficiency MortgageXXXX told that is a cash out loan. Lakeview and XXXX stayed that it is a cash out loan and that is not authorized under VA IRRRL. Need to have done and rectified. They are lying about who denied me and who the underwriter is.

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 2020-08-10
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
In XX/XX/2020, I filed a dispute with XXXX, Equifax and XXXX   credit bureaus about the unverified account : XXXX XXXX CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The CFPB found that XXXX XXXX  violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. Specifically, XXXXXXXX XXXX was : XXXX XXXX XXXX FRAUD AND FORGERY NOW TOLLING CONSUMER PROTECTION -=MY HUSBAND AND MY NAME ARE OWNERS OF HOMES- THEY ARE EXPLOITING IN A SYSTEM WHERE THEY HAVE MY HUSBANDS NAME ON PROPERTY THAT READS IS A HOUSE BUT IS A LOT- YET PAYING TAXES SINCE 2017 - CALLED TAX OFFICE NOW ITS REMOVED- BUT i HAVE THE PICTURES-SO YOUR DOING A GOOD JOB- XXXX XXXX IS DOING ACCOUNTS- THEY ALSO TITLE FLIPPING- AND THEY ARE TOLLING Exploiting personal data without authorization : Failing to provide legally required consumer disclosures : The Truth in LENDING Act requires banks to provide certain disclosures TO A DEAD PERSON WHEN STEALING HIS IDENTITY AND A WIDOWS LIFE ESTATE AND ALL THEY OWN WHEN WE WERE NOT IN DEFAULT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After receiving a summons for foreclosure in XX/XX/XXXX I completed the answers within 2 weeks of receiving the summons and had this turned in by the deadline date. I also sent in a request for a settlement conference to be scheduled within the provided deadline. Once that was completed my husband and I contacted the XXXX XXXX XXXX XXXX ( XXXX ) for additional assistance. While working with the XXXX they were able to help me complete my loss mitigation package which was provided to the lender and the lenders attorney on XX/XX/XXXX. Since XX/XX/XXXX I have not received anything in the writing from the lender regarding that package. A lady by the name of XXXX XXXX will call both myself and my husband during business hours when we are not available. My husband and I have both returned her calls and left voicemails of when is the best time to reach us and she will never call during these times. Every time we call her it goes straight to her voicemail, which we then leave a message letting her know when to contact us. The only thing we have received in writing since the loss mitigation package was completed are letters simply stating that XXXX XXXX is our point of contact. I have now been assigned an attorney ( XXXX XXXX ) through the XXXX who has confirmed that the settlement conference has not yet been scheduled and that written contact has not been made and he will now be an appearance on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yes is XXXX between the XXXX and the XXXX or 2021 they took XXXX XXXX I'd like to get my money back they laugh giggled said it wasn't there they hung up over the phone they're quite argumentative over the phone that year I still have the account the records and then it'll wisely ruined by somebody I think they have a little wise worker or someone of a sort liking to steal money from people or cash yeah I'd like my cash back or the XXXX assets that they stole from me I hear they did it this year too about {$200000.00} XXXX or {$200000.00} XXXX this year and back in 2021 I like to get my cash back I'm really aggravated I'll be leaving my ATM card number that's the only thing I have on me right now I found you guys on the news

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 2016-11-10
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This now my 3rd or 4th complaint and the first revealed that Ditech had no record of a debt attached to the phone number they have been calling but yet the calls continue. Today when checked my answering machine there were 2 more. I guess I really need to just start logging these because what, it 's worth a XXXX or so per call and notification and confirmation on debt exists has been well documented on this site!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: IL
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 sent a dispute letter to Experian recently and I have not received any results. I have never authorized nor obtained any credit with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation