BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-08
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
PHH yet again denies us due process to receive fair access to assistance under any program in its considerable power to secure, commensurate with our need, particularly concerning Loan # XXXX. It is clear PHH is committed to continue, unabated, the practice of serial omissions and repeated failures intentionally designed to subvert fair and equitable services rendered in response to any hardship affidavit we might submit. Certainly the varied and detailed descriptions of our hardship condition ( s ), you dismiss even now, submitted on your demand, in formal application of a reasoned repayment plan, Forbearance or HELOC Refinance ( modification ) programs, plans readily available even prior to our early attempts to obtain a realistically structured solution, are adequate to your need - you provided written acknowledgement the hardship affidavits, detailed household expenditure submissions, tax transcripts and federal filings received and in your possession were adequate to complete several previous application packages concerning Loan # XXXX ( and # XXXX ) free of arbitrary or capricious currency limitations, the applications denied apparently by use of whimsical fancy, without fact based application of any information demanded we provided ; PHH betrays a committed resistance to any serious effort to evenhandedly administrate any program available, based on the financial and budgetary facts we submit ( ed ) representing an accurate debt ratio assessment. PHH demonstrates an interest solely in drawing out the process in hope to cause, discover, and/or exploit any infraction occurring as a result. 

We, along with XXXX XXXX, have cause to believe, based on evidence of the conduct by all operatives, representatives, agencies, and consigns working on behalf of the company encountered during this process, PHH does not intend to cease engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and, PHH remains in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by continued engagement in deliberate acts of harassment, the cause of undue emotional distress ; and, continued policies and practices of resistance to full disclosures, negligence, intentional " stonewalling, '' and refusal to honor requests for response to correspondence, and fair and open exchange of substantial information, important to achieve mutual understanding of facts in evidence, to establish the common ground and good faith required to reach just and equitable solution ( s ) or compromise ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: UNITED SECURITY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
United Security Financial Corp continues to call us XXXX and XXXX times a day re guarding our mortgage. They also keep calling up at XXXX when we 've told them XXXX times we live in California. 
We 've asked them to stop called so frequently as we are getting together the paperwork requested.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX where I used to work would force me to conduct illegal credit card transactions by forcing elderly customers to reapply for a XXXXXXXX XXXX XXXX  though they already had one. XXXX XXXX is the store manager who attempted to force me to do it. This person rewarded such behavior.

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 2016-11-20
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage processor is sending me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT when i 'm not even 3 months ( 90 days ) late on my mortgage. In addition, my mortgage is due on the first of each month with late fees starting on the XXXX of each month and a grace period until the end of the month. Therefore, Ditech ( my mortgage processor ) starts calculating my loan is late on the XXXX and issues me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT on the XXXX of the month. As a result, I have 90 days before I even suppose to get such a letter which was send to me in 60 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I executed a cash for keys agreement with Greentree as part of the Deed-In-Lieu of foreclosure agreement. Now Greentree is unwilling to pay me the {$3000.00} amount that was agreed to by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
our lender ( Ditech Mortgage Corp ) did not pay our impounded property taxes as per the scheduled payment due. Now we are in default to the tax board with penalties. this came up today when trying to finalize a refinance loan. this issue is delaying the closing and will affect my rate. this needs to be resolved asap please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: SQUARETWO FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested verification of debt and no information has been received. I need signed documents that I entered into contract with CACH LLC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: 1ST 2ND MORTGAGE CO. OF NJ INC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage company has misrepresented themselves by guaranteeing me a 7 year mortgage at 3 % interest rate. They had all of my documents within a reasonable time period ( 2 weeks ) and because the rates went up instead of down, as they were hoping for, they are not honoring our agreement, as per our emails. I found that they lied to me and did not lock me in with the 3 % saying that the forms needed to be completed first. They are completely unethical and dishonest. They were the ones that called me regarding the reduced interest rate and I quickly acted upon it. I took my time, effort and cost to gather all of the information that they needed and I am told " I 'm sorry for the misunderstanding ''. There is no misunderstanding, they are just scamming me and I do n't appreciate it. I want them to honor their commitment that they made to me and complete my refinancing as per our agreed upon arrangement. I find it hard to believe that after 9 years they treat their customers like this and expect to get away with it. I am sure that I am not the only XXXX they have done this to. I would greatly appreciate you looking into, what I believe, is their unethical behavior. I have all correspondence that was emailed between us. I want them to honor their commitment that they made to me and complete my refinancing, as per our agreed upon arrangement, 7 year fixed term at 3 % interest rate.

Company response to consumer: Closed
Consumer complaint received 2016-07-20
Company: Empowerment Ventures, LLC
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My wallet was stolen and my Rushcard was used with my pin. I filed a dispute and was told because my pin was used, there was nothing they could do, they closed my case, and then told me to do a rebuttal and get the case reopened then they will investigate. I got a new card from them but I feel they should have investigated when I reported that my card was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
.I am a Medicare covered patient. Trying to balance bill I am not responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: MRS BPO, LLC
State: NY
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 a final bill to the wrong address after I closed out my account when my contract was over I looked up the bill and paid it IN FULL they took my payment but held the bill to sell to a 3rd party collections agency NEVER telling me ANYTHING I assumed the account was paid in full called and they just re sent me to collections where i had to pay an additional {$22.00} they still put derogatory mark & late payment even though the debt was already paid for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: RGS Financial, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
RGS Financial of XXXX XXXX showed up on my XXXX credit bureau on XXXX XXXX, 2016 for {$120.00}. This caused my credit score to drop by XXXX points. I have never received a disclosure of debt from this business and they have done irreparable harm to my credit. I do not any clue as to what this amount of for as it was not properly disclosed of to me. I have live at the same address going on 3 years and it has been on my credit file for 2.5 years. This is in direct violation of Federal Statutes pertaining to collections. This needs to be deleted immediately from my credit file or a civil suit will follow for the fullest amount allowed by XXXX County, XXXX Court for irreparable harm to my credit file and failure to adequately disclose the debt prior to placing it on my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
PORTFOLIO RECOVERY SERVICES OUT OF GEORGIA CALLED MY WORKPLACE TRYING TO COLLECT ON A SEVERAL YEAR OLD DEBT FROM XXXX XXXX CREDIT CARD. I DEMANDED THAT THEY NEVER CALL ME AT WORK, AND THEY SAID THEY WILL CALL WHENEVER THEY WANT. THIS CALL CAUSED ME GREAT EMBARRASSMENT WITH MY STAFF DISCLOSING THAT I HAVE A DEBT IN COLLECTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: FC HoldCo LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I called Flagship in regards to my vehicle loan to let them know that there was a {$4700.00} check on its way to them. I asked to be transferred to the total los department as that was where I had been previously told that was who I needed to talk to. They bounced me around the first time I called and the. Sent me to someone 's voicemail. I hung up and called back. I asked to be transferred to the total loss department once agin. They transferred me to a female named XXXX who stated that she was my representative. I asked if she was in total loss. She said that she was not. I asked to be transferred and she declined to transfer me stating that she was handling my account. I informed her that the check was on its way from the gap insurance. She asked me to hold on and then placed me on hold. She kept me on hold for approximately 5 minutes. When she came back on he line she then proceeded to tell me that she had to transfer me to another department. I asked her why she did not just transfer me when I asked and she would not answer. She kept talking over me. I asked to speak with a supervisor. She said she would transfer me. The next thing I know I am listening to a XXXX recording. I hung up and called and spoke with a supervisor who stated that she must have dialed the wrong number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery XXXX is continuing to collect on a debt that was cancelled and where I received a XXXX from the bank. They also called on Sunday XXXX XXXX 2016 at XXXX. 

I have no other consumer/installment debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN claimed I did n't have adequate hazard insurance last year ( XXXX ), although I sent them a copy of my policy. I received another letter saying I did n't have insurance, sent them another copy of policy. Another letter saying they have now purchased insurance and I owe them {$1500.00} from my escrow. I had my insurance company send the policy and they finally corrected the issue and refunded the money to my escrow. Fast-forward to this year ( XXXX ) and the same song and dance is occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Although we have been very responsible with our mortgage of over 15 years -- -with ocwen and XXXX -- -we are still stuck in a punitive mortgage rate of 9 -- 16 % -- -- is there anything you can do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please see the attached. I believe my Client has not been treated fairly, and is now facing a Sheriff Sale in 3 weeks after years of trying to do the right thing and sell his property. We nee d these Mortgage Companies to be held accountable.

Company response to consumer: Closed
Consumer complaint received 2015-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX XXXX XXXX XXXX who was servicing our mortgage loan XXXX sent us a letter indicating that we had to purchase flood insurance. In response to this letter we visited the XXXX of XXXX office to verify is our property located at XXXX XXXX XXXX XXXX had been classified or considered to be in a flood zone. They said no. We proceeded to contact XXXX who informed us that if we did not purchase flood insurance we would be in violation in terms of our mortgage loan. We then proceeded to purchase flood insurance. During this period of time we were under Chapter XXXX Bankruptcy Protection Case XXXX yet XXXX failed to notify Bankruptcy Court of a new added requirement that was neither part of the Chapter XXXX Confirmed Plan or part of our initial mortgage loan obligation. In XXXX XXXX we received a letter from US District of Oregon notifying us of a class action suite Case No. XXXX : XXXX identifying us of victims of flood insurance fraud. It was claimed that XXXX ( XXXX ) violated the legal rights of its consumer requiring them to purchase excessive amount of flood insurance coverage and by arranging for improper kickbacks for itself and/or its affiliates ( including in the form of commissions in connection with forced-placed flood insurance. Our mortgage loan was transferred from XXXX to SPS Portfolio Servicing on XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received a similar letter from SPS Portfolio claiming that we had to purchase yet again another fraudulent flood insurance coverage. Our SPS loan number is XXXX. We remain protected under US Bankruptcy Chapter XXXX yet SPS has also failed to obtain approval and notify bankruptcy court of a forced insurance coverage that was neither part of our original mortgage loan or part of the confirmed Chapter XXXX Plan. 

Thank youXXXX XXXX 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 2016-02-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or around XXXX XXXX, XXXX, I received a XXXX ( Cancellation of Debt ) from SPS Mortgage. The date of identifiable event is XXXX/XXXX/XXXX. SPS Mortgage continued to collect mortgage payments before and after the identifiable event date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Rocket Mortgage, LLC
State: AR
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I contacted XXXX re : list of lenders for home refinance. Several cont-tacted me, including Quicken Loans. I told them I was shopping around for a re-finance loan and they gave me information. I specifically told them I was notready to do anything just yet. I did NOT apply for a loan, or indicate that Iwould at a later time. When I checked my credit report I saw their inquiry onmy credit report. My understanding was that my inquiry of rates would NOTbe reflected on my credit report, and none of the others were. I contactedQuicken and was told if they had my ssn # and dob they could check mycredit. If they do, why was theirs shown as a " hard '' inquiry? I do not believe itshould be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: McCarthy, Burgess & Wolff, 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:
I am protesting and feel I am not responsible for advertising with YP simply because the fine print on an original contract stated I must cancel business with them prior to the anniversary date of original contract. I have no way of remembering anniversary dates on such transactions and the original sales person did not alert me to that stipulation in the contract years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loancare transferred my loan servicing to XXXX XXXX XXXX in XXXX, 2016 and sent me a letter to that effect XXXX XXXX. I made my XXXX payment on XXXX XXXX and can prove it was mailed that date. Now Loancare says my XXXX payment was not received until XXXX XXXX, which made me plus XXXX and I can not now get a refinance.Under the Real Estate Settlement Procedutes Act 12 USC 2601-2617 they can not penalize me for a " late '' payment for 60 days after the loan servicing is transferred. They will do nothing to correct their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I are looking for a new house. We were pre-approved by XXXX lender. 
Unbeknownst to me my husband decided to contact Quicken loans to check on refinance rates for our current home. While at work he spoke to a representative who gave him all of my credit information to include a credit card in my name only and the outstanding balance.

Company response to consumer: Closed with explanation