BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector calls everyday repetitively all day on a debt that I do not recall. The amount they are requesting is XXXX from a XXXX and XXXXfrom payday XX/XX/2009. 
# XXXX Fax # National Credit Adjusters Contact # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I monitor my credit report, more frequently now as we 're attempting to buy our first house. A collection notice was filed for the amount of {$3900.00}. We have received no notification of this debt, no verification of this debt, and consequently no notice of right to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: GOLD KEY CREDIT, INC.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of any debt that I would owe. I noticed this collection on my credit report from Gold Key Credit INC. I tried to call them to find out about why is this on my report, as far as I know I had no {$400.00} medical debt. I waited on the phone for someone to answer then all the sudden the phone disconnected. If the debt is mine, I have no problem paying it. I just want to verify that it is mine and they wont even answer the phone so I can learn more about this debt. the XXXX is the one listed on the site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was called by my mortgage company telling me I was late making a payment and asked if I would like to do so over the phone. I could not understand why they would be calling since I have automatic withdrawal from my account bimonthly. I was unable to discuss the situation then being that I was in a grocery store. When I called back I found out that XXXX of my bimonthly payments was being applied entirely to the principal and that I was getting late fees because naturally the required monthly mortgage payment was not being received. My mortgage was with Greentree when I initiated the bimonthly payment. I was told that Ditech acquired the mortgage and that everything would remain the same with Ditech as it did with Greentree. That is not the case. When I initiated the bimonthly payment with Greentree, it was not the amount that Ditech started to withdraw from my bank account. When I called and asked about this I was told that loots of things happen when mortgages are purchased. I now am watching to see if the late fees ( more that one month ) and the payment is being applied to the mortgage and not the principal. I also learned that although I have the first of the bimonthly payments taken out of my bank account, it is NOT applied to my mortgage. As stated on my statement, the money is listed as " funds in suspense ''. I thought the payment was being applied to the mortgage not being held until the balance for the month is received and applied. So the first half of the payment is taken from my account and held " in suspense '' in an account at Ditech where I am certain it is earning them interest yet it is not applied to my mortgage whereby lowering the interest accruing on the mortgage. Can they really do that? Also, they now say I can have the PMI removed, however they are requiring me to have an appraisal with XXXX of their vendors to qualify to remove the PMI. I though PMI was to insure that they would receive payment not to insure the value of the home. Why am I being made to prove the value of the home to get rid of an insurance 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 2016-04-06
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for numerous loan modifications with my former servicer XXXX who has failed to provide me with timely decisions on my loan modifications and practiced in Dual Tracking. 
My last loan modification was submitted to XXXX in XXXX 2016, to date, I have not received a decision from XXXX. However, absent of a decision XXXX filed a Notice of XXXX which recorded on XXXX/XXXX/2016, to further cause harm to my family, my loan was transfer to Ditech on XXXX XXXX, 2016, still without a decision on my loan modification. In a letter dated XXXX XXXX, 2016 from Ditech we received a Welcome letter. I called everyday to Ditech to see if they had my loan modification from XXXX. Ditech said they were missing some information I ask what? I informed Ditech that XXXX had received all of our financial information, the application, and bank statements P & L and proof of residency had been provided to XXXX. Ditech wanted us to begin again with everything and all documents, they were never able to provide the list of missing items and dismissed all of our request out of hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX erroneously reported that I was XXXX days past due on my mortgage when I paid on XX/XX/XXXX over the phone and payment was credited the same day. They are crooks and should be fined and I am demanding that they immediately correct my credit report. 

DITECH FINANCIAL LLC has flagged your account as XXXX Days Past Due. 
XX/XX/XXXX Alert Date XXXX Source EXPERIAN XXXX DITECH FINANCIAL LLC Payment Status XXXX Days Past Due Status Date XX/XX/2016 Balance {$180000.00} Balance Date XXXX Address XXXX XXXX, MN 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 2015-07-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a mortgage modification with my lenders XX/XX/XXXX, XX/XX/XXXX and was denied because they said in XX/XX/XXXX I did n't get all documents in which is incorrect then XX/XX/XXXX they said they denied me for Tier 1 and tier 2 because of my income I thought when modifying your loan it brings the interest rate down to 31 % of your income. Well now they said I was denied because my investor has decided to drop my taxes and insurance because of the value of my property and its not in their best interest to modify and they will not add escrow. Well when I purchase this home I had taxes and insurance on my mortgage is it legal for them to just take taxes and insurance off my mortgage if they want to? I am now {$28000.00} in arrearages with my mortgage my house is only appraising at {$35000.00} and I owe then {$61000.00}. What are my options to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was on a trial period for a loan modification through PNC Mortgage. I made the first trial payment, but unfortunately the XXXX payment was applied mistakenly to a different account through XXXX XXXX. The mortgage company is telling me that they want to sell my home in 40 days. Please help, we just got back from out of town.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert from my credit profile

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 2017-01-05
Company: Stearns Ventures, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We want to state for the record we are a Business : XXXX filing the compliant on the consumers behalf ( our borrower ). We first started working with our borrower back in XXXX. It was an FHA loan that required a case number to be transferred to us as it was assigned to the property that was in the process of being purchased. that fell though due to financial difficulties. We were able to find a new property in XXXX for our client. This is the start of our complaint. After performing our query search we discovered that the case number that was attached to our borrower had been transferred to another Lender Stearns Lending. It then took 3 days to finally get in touch with someone who could assist with cancelling the case number ( it needed to be cancelled as our borrower was now interested in another property ) after another 3 days went by until were told by 2 parties from the lender that their records indicated the loan was closed. When looking up the information on our end we did notice that a closing date was entered for ( XX/XX/XXXX ) and MI was already collected for the old property our borrower was interested in-our borrower never closed on that property. We have documentation that proves cancellation of that property as well as the earnest money being returned It has now been over 2 weeks with no follow up from Stearns Lending. No documentation that our borrower closed on the property on their end. At this point there is closed a loan done by them using our borrowers SSN and date of birth on a property they never purchased. The lender is now " holding our borrower hostage '' as we can not proceed with our file nor will the borrower be able to close or purchase on any loan until the matter is addressed.

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 2015-09-16
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage has been transferred to a new servicer three times in 3 years. This latest time, I received a letter on XX/XX/XXXX that told me my bill due XX/XX/XXXX was due to the new servicer, even though I had not yet even received a bill from them. Then I received a " privacy policy '' that says they will share my information freely for marketing purposes unless I jump through several hoops to get it turned off. Oh and by the way, I only have 30 days to do so and their office is only open from XXXX to XXXX if I choose to phone in a change. This is a gigantic pain XXXX. why must I go through this routine every year?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC Bank never gave me the promised sign up bonus. They bait and switched me into an account. Then, I deposited a check and forgot to authorize it. It 's a new knid of check I did n't realize I had to pre-authorize. So, I went back and put in another check and the bank kept it and told me my account was closed. I contacted the bank ASAP telling them I put a stop pay on the check and they reported me to XXXX for fraud. 
I also contacted them and asked to be opted out every way possible via their privacy policy and they claimed they could n't do it because my account is closed, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Calvary Portfolio Services is illegally reporting a collection account to all of the major credit bureaus. The account was originally with XXXX XXXX XXXX. We have already paid this account off many years ago. We told Calvary Portfolio this but they refused to verify this or to verify the validity of our debt when the first contacted us. This is in violation of the Fair Debt Collection Practices Act. Also the account is over 7 years old since the breach of the contract. It should not be reported due to the Fair Credit Reporting Act. Calvary is violating FCRA Section 605 ( c ) by re-aging the account to leverage their collection activities. It was back in 2007 that we had problems with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
This is a follow up dispute in response to the companies response to complaint # XXXX The first thing I want to bring up is that in my discussions with SPS over the past 3 years, I have been told the same thing that " we are in the process of rescinding the sale/foreclosure '' or that the foreclosure '' NEVER was completed ''. So that is nothing new. Secondly, their response does not address the damage to the property that occurred under their control, and as a result of said damage, combined with the market, the value is much less than the XXXX deal offered in their reply. The property was sold at foreclosure for {$110000.00}. They also fail to acknowledge the fact that, until they restore the property to my name I CAN NOT/WILL NOT sign any legal documents relating to the property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to close on my parents estate. I paid off the mortgage when my step father passed away, while my mother was still alive. Now the bank PNC is telling me I have to pay off a line of credit that was open back in XXXX. This loan was through National City Bank in Ohio. The debt was wrote off as bad credit by this bank in XXXX. PNC purchased this bank in XXXX and now is trying to get fund already wrote off " as bad debt ''. I have no documentation that this money was ever spent by my parents, nor do I have anything from any of the banks that they ever tried to come after the funds. The bank also can not supply me with any documents stating they tried to get these funds and or any statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Paypal Holdings, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Ebay floods inboxes with offers to " sell for free '' " list for free '' after the consumer falls for the deception and sell an item they are hit with a bill for the seller fees. When contacting ebay they explain that " It does n't matter what the email title says, if you read the small print you 'll discover that they are only waving the {$0.00} listing fee. 

Ebay also floods inboxes with email that state " sell a ____ ( in my case a smart phone ) by a certain date and get a {$25.00} ebay gift card. in the small print you 'll find that the card will be issued at ebays leisure usually within XXXX weeks, and the card must be used by the date on the card. what they do n't disclose is the date on the card will be XXXX days from when the email is sent. 

I fell for both of these deceptions, while selling my iphone. I would never have used ebay if it was not for the email that said " sell for free '' and the " sell a smartphone by ___ and get a {$25.00} gift card '' was a bonus. 

After the sale I went fishing for a week upon returning home I found I was hit with full seller fees and the gift card was expired by the time I even knew I had it. 

In disputing this with ebay they were unwilling to see the error of deceptive marketing. how ever they did offer to settle for 50 % which was {$17.00} and change, I told them to use the gift card that I never got to use, and was told I cant use promotional gift cards to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX collections has apparently continued to call me over and over again, the problem is they have been calling my parents house to reach me. My parents are really annoyed since they call everyday and multiple times throughout the day. I am positive they have my cell phone number but have not called me once. They keep calling my parents house looking for me, and it is truly harassing my parents. They have also failed to communicate with me by mail to see where I owe and how much I owe so I can pay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i got a letter from PayPal inc charging me {$99.00} from nowhere? 
i dont know why they are cahraging me that amount? 
First, i dont have credit with paypal inc second, i buy on XXXX, XXXX but my debit card is charged every time i use it. 
please help me avoid this scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-10
Company: Paypal Holdings, Inc
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal limited my account. I still have { {$220.00} } in eBay gift cards which can only be used with a paypal account. 

Now I ca n't use this gift card balance because it is linked to my limited PayPal account. PayPal is not willing to give me a refund of {$220.00} nor issue me a different gift card of {$220.00} value or even de-link this gift card so that I can gift it to someone else. PayPal is saying I will forfeit the {$220.00}. 

I bought these gift card and paid the full purchase price, so they ca n't keep it. I believe it 's absolutely wrong for PayPal to take away my eBay gift card balance. Request your help to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: FORD MOTOR CREDIT CO.
State: AK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took a loan out with Ford Motor Company to boost my credit score, I 've been paying on time for over a year. Still nothing about the loan is reported on my reports. I have called the company to ask for resolution and to no avai, l time will not solve this issue by its self. When I shopped for the loan and agreed to the chosen loan it was with the understanding they reported to all three companys.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Army and Air Force Exchange Service
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
This XXXX will never go into default! How is that possible? 
The company is also using my social as the acct number which means any employee has accesses to my full name and social. 
The card has been gaining interest for the last 3 years so its grown to 10 times the money I actually owed. 
Some one needs to look into what this company is doing to vets.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Trident Asset Management, L.L.C.
State: TX
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:
This company is trying to collect on a debt for XXXX that is not mine. I have never had a XXXX account. I asked for validation of debt and all I received was a bill. Where is the proof I signed for this account. I have never lived at the address they had listed. I would like proof of this debt like paper work with my signature showing this is a valid debt. It is negatively affecting my credit and I would like this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief