davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-08
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Dynamic Recovery Solutions, LLC (OH)

For the past year I have been working with a debt management law firm, XXXX XXXX XXXX. They have been negotiating with several lenders including XXXX XXXX. I know they have reached out and spoken with XXXX XXXX yet I am still being harassed by them. Most recently they obtained my former address and have been calling and mailing letters to this address. I know longer live at that address nor was I even living there at the time the loan was taken. I believe this violates my privacy. Also I have been receiving emails. I received 3 within two hours today. These emails claim that Dynamic Recovery Solutions acknowledges my promise to pay them $ XXXX amount of money. I have never talked to Dynamic Recovery. I send all there correspondence to my lawyers. They do not even have my bank account information and if they do then it was illegally obtained because I never gave Dynamic Recovery any of my information. I believe this to be fraud and shady business practices. In their email they are trying to be deceptive in getting me to sign an authorization form because they know they are not acting in good faith.
Consumer complaint received 2016-07-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Carvana Group, LLC (TN)

On XXXX/XXXX/16 started the process of purchasing a vehicle from Carvana on a referral from a friend. Found there website easy to navigate thru and great selection of vehicles. Went to the process of esigning all of the documents. Was given a date to which to pickup the vehicle at the XXXX XXXX. We we 're excited as the whole XXXX concept intrigued us and something we can share with the family. On XXXX got a call from there Customer Advocate informing me that they would be furnishing us the loan because of what theu called discrepancies in my application. The same information was used to purchase my fiances vehicle and also to enter into a home loan purchase so was astounded to be told they would n't be doing the loan. Not sure why we get all the documents like purchasing agreement and buyer 's guide only to be told no. Also i entered our bank routing and account number which worries us that it 's just sitting in there system. I found there Customer Advocate to be extremely friendly and helped answer all my questions that we had prior to making the decision to purchase a vehicle from Carvana. There UW i found to be condescending extremely rude and heartless just calls says we ca n't help you. Did not nor would not give us the opportunity to correct any errors we might have made if there was
Consumer complaint received 2016-06-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Data and Contact Management Solutions, LLC (WA)

DCM Services has phoned 2 times requesting information regarding the executor for my brother-in-law 's estate. I asked them NOT to contact me after the first phone call and they did so again this morning
Consumer complaint received 2015-10-29
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (GA)

I loaded {$420.00} cash to my rush card at XXXX XXXX on XXXX and I am still waiting almost 3 weeks later to see the money on my card. I have emailed and called customer service on several occasions but they still have n't resolved this issue. I even mailed the corporate office a letter with a copy on the original receipt from XXXX
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

On Saturday, XXXX/XXXX/16, I received a from Ditech Financial stating that my XXXX 2016 mortgage payment was not received. The letter further went on to state that late fees would be charged as a result. I contacted Ditech customer service on Tuesday, XXXX/XXXX/2016 to learn more about Ditech 's assertion that the payment was not recieved. I explained that my payment was made online with XXXX XXXX XXXX bill pay system. My statement was documenting that the payment was processed to Ditech on Thursday, XXXX/XXXX/2016. The customer service representative and subsequent supervisor requested that I fax a copy of my recent statement to them. I faxed my statement on Friday, XXXX/XXXX/2016. I called to follow up with Ditech the first week of XXXX. The customer service representative stated that the disputed was sent on to investigations. I had provided customer service and the supervisor with my contact information in my initial call and in the subsequent call. Having received no contact initiated by Ditech, I called to follow up as to whether my payment had been located. My XXXX 2016 payment to Ditech was sent and documented processing during this time. I then recieved a letter stating that my XXXX payment was not received. I contact Ditech customer service and was told I needed to provide a visual image of the processed payment. I asked how one accesses visual documentation of an electronic payment and the customer service representative suggested I contact my bank. On XXXX/XXXX/2016 I enlisted the assistance of XXXX XXXX of XXXX XXXX XXXX to help research my payments. She reports that XXXX XXXX XXXX central processing verified the payments to XXXX XXXX on behalf of DiTech on XXXX/XXXX/2016. As of this submission, Ditech has failed to contact me to confirm resolution of this issue. Resource staff contact information fails to access staff. Front line service representatives are unable to confirm resolution. 
At this time I am seeking assistance to resolve this payment dispute.
Consumer complaint received 2016-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

1 year ago we requested to have PMI removed from our mortgage payment through Chase bank. We made significant improvements to home over the past 3 years to satisfy the XXXX % LTV required by Chase. Chase bank outsources the appraisal through a third party called XXXX XXXX. XXXX XXXX then assigns a local appraiser to do full appraisal. The appraisal came back with no increase from purchase price and with many disrespectful and unprofessional opinions form the appraiser. Thus I was not granted the request to remove PMI and Chase was not willing to listen to my dispute. The appraiser was completely out of line and unprofessional in his description of my property and made assumptions that without my consent. I have everything documented from the original request to final addendum made to my appraisal. I would like to know if this is something I could bring to an attorney for review because I would gladly take the time and effort to do so. After reviewing my documents I hope you agree with my statement and believe I have serious case against Chase and XXXX XXXX. Thank you for your time!
Consumer complaint received 2016-06-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TN)

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

XXXX and Green Tree Servicing Failure to Comply with TILA and FDCPASummary of Complaint : XXXX and subsequently Green Tree Servicing have not provided verifiable proof that they have legal standing to administer a loan modification or file a Default Judgment and suit under the Mortgage. XXXX and subsequently Green Tree Servicing has failed to provide adequate evidence that proves XXXX is the current legal owner and 'holder in due course ' of the debt under which they demand payment and have foreclosed. 
XXXX and subsequently Green Tree Servicing has filed a Complaint ( lawsuit ) in 2010 to foreclose on my investment/future retirement home in the State of South Carolina. Unfortunately the judge did not allow my Demand for Discovery and eventually a Judgment of Foreclosure was issued by the court. The case has been moved to the Master of Equity to administer the public sale of the property. 
Green Tree Servicing has offered loan modification and other loss mitigation options. I responded to Green Tree Servicing that I would like to apply for a loan modification but I could do so only if they provided evidence that proves who owns the debt. XXXX and Green Tree Servicing have failed to provide the requested information in failed to comply with TILA and FDCPA. It is my belief and based on documentation XXXX and Green Tree Servings filed in court and the county Registrar that the true legal owner the alleged debt XXXX.
Consumer complaint received 2016-10-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Revenue Assistance Corporation dba Revenue Group (FL)

I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.
Consumer complaint received 2016-04-13
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ditech Financial LLC (CA)

I have been working with Di-Tech Financial in regards to my loan modification. I have sent numerous faxes followed up by many phone calls. Everytime I speak to someone, they always request the same information that was sent prior to my follow up. When I try to speak to an agent, their voicemails are full and I have to call back. I am usually on hold no less than 15 minutes only to find out the person I was speaking with is not the correct contact person.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

Our mortgage was paid off on XXXX XXXX, 2016 with Ditech. On XXXX XXXX, 2016 our payment amount was automatically withheld, and we received a notification that the refund would be processed within 20 days. The refund still has not been processed and each representative that I have spoken with since XXXX XXXX has provided a different story. XXXX representatives, XXXX stories. Today I was told that the money is escrow. A second re on the same day said the check was released on XXXX XXXX.
Consumer complaint received 2016-07-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

My former mortgage company was bought out by Ditech effective XXXX, 2016. I called Ditech to set up automatic withdrawals on the XXXX of each month. XX/XX/XXXX and XX/XX/XXXX, both withdrawals were n't taken until the latter part of the month. Somehow Ditech applied the XX/XX/XXXX payment towards the principal only, claiming I made two payments in XX/XX/XXXX. Not! XX/XX/XXXX, I cancelled the automatic withdrawals, and made an electronic payment online. Ditech claims they never received my XXXX payment. They even withdrew my capability to make an electronic payment after that. I filed a dispute with Ditech on XXXX XXXX, and attached my XX/XX/XXXX checking account statement, indicating Ditech 's withdrawal in my statement. I wrote a personal check for XX/XX/XXXX and XX/XX/XXXX 's mortgage payment. The XX/XX/XXXX payment was acknowledged, and I am awaiting the XX/XX/XXXX acknowledgement. In the meantime, my stellar credit score went down XXXX points! Ditech strips you of your dignity and intelligence. It is my hope that I receive more than a rote automated response from Ditech. How can they NOT take responsibility for their errors, when the evidence is clearly there? My next step is to contact an attorney and see that Ditech does not continue to thwart their responsibilities as a reputable loaner. This is just the beginning.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

On XXXX XXXX, 2015, I deposited a cashiers check ( {$33000.00} ) with Green Tree 's bank ( XXXX ) to pay off my Green Tree mortgage. As instructed by Green Tree, the cashiers check had my name and mortgage account number in the memo section so they would know which mortgage account to credit. I confirmed that the check was deposited to the Green tree bank account ( # XXXX ) I checked a few weeks later since I had n't gotten any loan pay off papers. Green Tree said they had gotten nothing. I obtained a copy ( front and back ) of the cashed Cashiers check and sent it to them. They looked at this and admit it looks like they got the money, however they ca n't find where it went. They are now " researching ''.. It has been more than a week of researching and almost three weeks that they have had my money and they do n't know where it is nor will they credit my account.. 
Meanwhile, they show a payment is due for XXXX XXXX. I asked that they change this since in fact, I owed them nothing. Of course they could n't do that. Instead they said " Oh we wo n't report this as late for 30 days ''. Like they can be trusted. 
At this point, I have no faith they will " find '' my money and I will likely have to hire an attorney to get my $ {$.00}
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

In XXXX of 2016 DiTech financial informed us they did not have proof of our last property tax installment. We faxed the receipt to them and heard nothing more. In XXXX, we attempted to pay our first installment of property taxes and were refused. We were told that DiTech paid them. We called DiTech and asked why they paid the taxes and they said that they started a escrow acct. We were not informed nor did we request a escrow acct. We asked DiTech why this happened and we were forwarded to the Property Tax division where we eventually were passed to a supervisor in the XXXX office name XXXX. XXXX investigated and admitted that DiTech made a mistake and that we should not have had the escrow acct. That it was XXXX and right after the holidays within a week he would contact us and let us know that the issue was resolved, that the taxes were now back in our responsibility. The contact never came, my wife and I personally called XXXX and left numerous messages but no returns ever came. A letter came XXXX XXXX stating that our account had changed and it was now under escrow, no viable information as to why was offered. We made our normal mortgage payment ( without the addtional escrow fee ) in XXXX, DiTech accepted it without issue. 
Since we determined that the only way we were going to get out of the escrow account was to search for a refinance option. We found an option with better terms and shorter duration and no escrow. We accepted the offer and closed on XXXX XXXX. We attempted to pay our XXXX payment to DiTech and they refused the payment unless we paid an additional XXXX for the escrow. We stated we were not paying the escrow that we never agreed to the escrow and we had found other financing because they forced us to. DiTech responded with the threat that we either pay the full amount they stated or they would turn us over to the credit agencies. 

On XXXX we received a letter from DiTech stating we are now late and have added $ XXXX to our account as late penalty. 
This threat, even if it does not come true, is completely a bully tactic and left us with no choice but to look for your help. We will also be filing with the Oregon State Attorney General 's office so that DiTech can be told that they do not have the right to bully and do as they wish with my home or credit.
Consumer complaint received 2017-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (CO)

I have XXXX issues. First is I had a debt paid off with ACS over a year ago, last month I got a letter from them stating that they overcharged me XXXX dollars XX/XX/2013 and are now refunding the money. In addition the letter they sent which I will attach, is incomprehensible and makes no sense at all stating some people received more or less money than I did so they are refunding my money. 
The second issue is that account has been closed for over a year and last week I got an email from the company with an access code to access the account, which I did not sign into or try to access, I then logged in myself and it says that the account had just been accessed so it appears they have been hacked, my wife then had a similar email and her loan was paid off a year or two before mine.
Consumer complaint received 2016-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (MI)

So much of my payments go towards interest rather than principal. At times, when I would pay more than my required monthly minimum, that extra money went directly towards interest. The first year and a half that I began paying ( 2011 ), all of my payment went towards interest and nothing went towards the principal. Is that normal?
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Paramount GR Holdings, LLC (FL)

I closed on a mortgage refinance with Paramount Equity ( PE ) in XX/XX/2016. As of XX/XX/2016, I still had not received any payment coupon books or information about how to access my mortgage account and information. I was told by PE that my loan was being transferred to another service company, and that I would be contacted by them by the next month ; one story was that the transfer was audited, which was the reason for the delay. In short, for each of the past three months, I have received the same story from PE : " It should be processed next month ( XXXX, then XXXX, then XXXX ). '' XXXX is here, and still not servicer on my loan. They appear to be incompatible to set up my loan servicing properly, and thus incompetent at their job.
Consumer complaint received 2015-11-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NY)

I had a XXXX in XXXX XXXX and was transported to the hospital by ambulance. I had medical insurance at the time but I did not have my insurance card at the time. Later, I called and provided my insurance information but the amount on the bill never changed. I called again but they insisted that I still owed the same amount regardless of insurance. After my refusal to pay, due to the refusal to apply my insurance, they sent my account to a debt collector. This was about 5 years ago and Apex ( debt collector ) has continuously called, at all hours of the day yet they never leave a message nor have I ever received a paper bill. This debt is negatively affected my credit report.
Consumer complaint received 2017-02-01
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (IL)

I contacted Rushcard on XX/XX/XXXX and was informed my card was cancelled because they had sent out a new card and it was returned. I advised them the address was wrong and I had money left on the card in my possession. They advised me they could n't deactivate so I told them to close account and send me a check for {$110.00} ..They sent check to wrong address and it was returned. They sent me an email saying they had my funds and would reissue the check. It 's now XX/XX/XXXX and still have not received my money.
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (FL)

after filing a complaint with XXXX I have noticed I am not able to get into my account and I have noticed just before this happened that rush card has been taking XXXX out of my account on a daily basic saying its for XXXX i have not used rushcard for such transaction and they have been taking over XXXX out of my account and wont refund it i sent in all doc saying its not me and copies of all info they wanted after 90 days rushcards closed the case and kept my money and now after trying to get to my account they have blocked me from it my social secuirty money goes there and after social secuirty had deposit XXXX for back money owed to me rushcard stole it and is saying they have no record of money going to XXXX i printed the statement before being locked out of my account and now nothing is going to be refunded