davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (AL)

I 'm a victim of identity theft and recently called Equifax 's customer service and requested an identity block of negative information on my credit report that was due to identity theft. I requested a supervisor and she told me that " We do n't do that at Equifax, we do n't block information and only the creditor can request that ''. I know this is not true so I am registering a complaint for failure to block information that has been asserted to have resulted from potential identity theft, and for which I have filed a police report and thus complied with the provisions of section 605B. 

I relented and told her that this was a violation but she said the only thing they could do was dispute the items and do an investigation. But I 've disputed around a dozen times and there has been no progress or REAL investigation done. This is the reason I filed the police report in the first place. I have done everything required to fulfill my obligation to request this block, and their refusal is in clear, and willful violation of FCRA 605B. 

To verify what I am saying, I am enclosing a copy of my Identity Theft affadavit filed with the FTC, a copy of the police report, and proof of my identity that I have already sent Equifax. Any support from you would be greatly appreciated.
Consumer complaint received 2016-10-17
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BTH Management (MD)

I took out a loan with XXXX XXXX for {$1000.00} XX/XX/2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from Plaza Services. I never received any communication from Plaza Services that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted Plaza Services who advised that they sent a notice XX/XX/2016. I advised them that I never received any communication.
Consumer complaint received 2016-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

In XXXX 2016, Ditech Financial LLC did not credit my account with the normal monthly payment that always comes out of my bank 's bill pay. After numerous phone calls, I finally wrote them in XXXX, than again in XXXX, and again in XXXX. All three times I sent them proof of payment. They finally admitted that my payment got credited to another account, but still did not credit my account. Also, they would not give a payoff amount. On XXXX XXXX, 2016 I submitted a complaint with the Better Business Bureau and the next day, according to their on-line web page/my account, they did something. It is very confusing because they credited half the amount of my payment and had some principal numbers and interest numbers and unapplied numbers. But I was happy because my XXXX billing statement showed I was currant in my payments. Also, I received a payoff statement which seemed to have the correct amount. However, I have since received another billing statement for XXXX that states they have put my XXXX payment in their " Funds in Suspense '' account and they want me to pay XXXX payment again. And I received a foreclosure letter from them dated XXXX XXXX, 2016. A week later I received another letter that was a copy of the first. Both letters state I have till XXXX/XXXX/2016 to cure the default in the amount of {$0.00}. This makes no sense to me. I have always been paying them on time ever since they have assumed the loan.
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (KY)

It shows on my credit report that Credence Resource Management reported to XXXX XXXX that I owe them an amount of {$1400.00} on an XXXX XXXX XXXX  bill collection on XX/XX/2018.However, I have never received any type of written correspondence from them any time after the date the debt is reported. Which goes to say they have not provided me with any type of validation of this debt. The debt also continues to show on my credit report and I am aware they can not legally report a debt that has not been validated on my credit report and that it has to be taken off until validated. I have reason to believe as well that this is a possible scam.I currently have a dispute in process concerning the debt with XXXX. I believe as well the account has in fact crossed SOL for the state and type of debt. I've already tried sending them a debt validation letter and have not received a reply. I do not want to pay for a debt that is not mine and/or end up paying a fake collection agency.
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

In XXXX 1996, I and my then spouse signed a mortgage contract with XXXX XXXX XXXX. The loan was soon bought by Greentree Servicing and recently, Greentree changed over to Ditech. I have been divorced for approximately five years and in the divorce decree, the judge granted both the land and home to me. This divorce was granted through notice of publication since the whereabouts of my spouse were unknown. 
The mortgage contract ends soon and the payoff is currently little more than {$5000.00}. With this being the case, I attempted to speak with a representative from Ditech regarding some questions about the mortgage and they refuse to speak with me and answer my questions because they claim I am not on the loan. I signed the mortgage, and all relevant notes necessary in obtaining the original financing. I have offered to provide them proof of every statement I have made herein so that the disputed issues such as escrow activities can be audited and an accounting provided. 
The whereabouts of my former husband are still unknown to me. 
It is my sole desire to have a true audit of this account so that I may determine a legitimate payoff amount. 
Lastly, since the inception of the original loan I have increased my credit score to a point significant to have qualified for a reduced loan rate through refinancing but due to the failure of this lender to even communicate with me, I have been denied the opportunity and thus been penalized by being frozen at the rate of the original mortgage. This in itself has cost me several thousand dollars. 
As a woman, I feel that I have been discriminated against for this reason. The mortgaged property is located at XXXX XXXX XXXX, XXXX, AL XXXX in XXXX County
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

Complete XXXX Loan Modification Package submitted to Seterus on XXXX/XXXX/XXXX. They did n't review the documents for over 30 days, making the documents out of date. Updated documents sent and sent again. Called and told the package was complete. Called a few days later and was told there were missing documents and the other agent was mistaken. Sent in the missing documents. Then apparently another missing documents letter was sent to the homeowner on XXXX/XXXX/XXXX. Was not received until XXXX/XXXX/XXXX. XXXX asked for missing docs to be submitted by XXXX/XXXX/XXXX - over the XXXX holidays!! DOcuments not received by XXXX/XXXX/XXXX and file closed on XXXX/XXXX/XXXX. XXXX XXXX at Seterus now saying that file can only be reopened with ENTIRE NEW PACKAGE SENT, and the cycle starts all over. WHY DOES SETERUS DO THIS TIME AND TIME AGAIN?? It 's back to XX/XX/XXXX. XXXX XXXX 's supervisor, XXXX XXXX says we do n't have to resubmit a NEW PACKAGE. We just have to send in the information requested in the missing document letter. What is correct or true? 

Seterus on behalf of XXXX is deliberately not reviewing documents and providing false and misleading information about these files to homeowners and their advocates. 

I just spent 30 minutes on the phone with XXXX XXXX, who said that the file was closed because they were seeking information that was duly provided ( I have emails that show the information was sent ) about a contributor. This also happens time and time again. You send Seterus information and they claim they never got it. 
I still do n't know what to do or what to send and why I have to send everything in again, just to be in the same place in a few months. Why is this going on in XX/XX/XXXX!
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

A loss mitigation package was faxed to Ditech originally on XXXX/XXXX/2016 to start a loss mitigation review. A document request was made on XXXX/XXXX/2016 where bank statements, pay-stubs, and a new letter of employment was requested. XXXX XXXX started working at his employer on XXXX/XXXX/2016. On XXXX/XXXX/2016 a letter of employment stating the first date of employment was XXXX/XXXX/2016, salary, and wage along with his first pay-stub that was received dated XXXX/XXXX/2016 was sent to Ditech. When Ditech was contacted on XXXX/XXXX/2016 they stated that because he can not supply the 30 days worth of pay-stubs they do not have a complete packet. The review was then sequentially closed in XXXX because the 30 days pay-stubs could not be provided for the new job. The review should never been closed over documents that were not able to provide. A new packet had to be sent to them on XXXX/XXXX/2016 with all updated documents. When the lender was contacted on XXXX/XXXX/2016 XXXX XXXX, the representative at Ditech, stated that the account was removed from loss mitigation, they do not have the documents that were faxed on XXXX/XXXX/2016, and they still have a foreclosure sale listed for XXXX/XXXX/2016. The file has been active in loss mitigation since XXXX and they are violating dual tracking. They not ask for documents that are not possible to have and then close out the review to continue with foreclosure. The letter of employment is the verification that they need along with the only pay-stub received that is required and they could have reached a decision but instead they closed the review and are stating they are not receiving documents sent to them to continue with the foreclosure.. Pursuant to Regulation X of the Real Estate Settlement Procedures Act, 12 C.F.R.1024.41 ( g ) they are violating dual tracking.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

My current mortgage company ... .Ditech..formerly Green Tree Servicing charges a {$12.00} convenience fee for electronic check payments through their own website. I find this fee to be egregious and hypocritical given that hey are encouraging everyone to move away from paper bills only to then " ding '' people {$12.00} for paying online. This is not new technology and certainly does n't cost them {$12.00} to process. Your assistance is greatly appreciated. 
Thanks, Consumer
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I was a victim of identity theft, I processed all the steps I needed to get these accounts removed of my report. It seem like Equifax consumer affair dept is handling my report at this time. I ca n't access my report online or received it via mail. I spoke to two specialists in consumer affairs ( XXXX and XXXX XXXX ) they told me it do n't matter if I gave them a police report, the creditor have to remove the accounts off my report. They were very ghetto and rude. I have been getting lied to repeatedly about my file. I faxed over the documents they asked for 3 times already and nothing is getting done at the moment.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good afternoon, I divorced my wife over 18yrs ago. we had purchased a home together during our marriage, upon divorcing, I gave the house to her and signed over the deed to her. she was supposed to have Bank of America remove me from the Mortgage. I am now remarried now for over 15yrs and we are tying to purchase a home of our own. however because my previous residence that I shared with my ex wife is still on my credit it does not allow me to get a new mortgage. I have attempted to reach BOA and they basically laughed at me. it was court ordered for her to remove me from mortgage and she did not. I am not responsible for the home nor have I been for 18years. This NEEDS to be taken off of my credit report and solely in her name as per divorce decree.
Consumer complaint received 2016-01-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CO)

During a recorded phone call on XXXX/XXXX/XXXX, a supervisor by the name of XXXX ( XXXX? ) in Dovenmuehle 's Loss Draft Department repeatedly stated that they follow " XXXX loss draft guidelines. '' In a subsequent call on the same day a representative named XXXX confirmed that XXXX 's statement is the same guidance that " they '' get. Presumably " they '' are the representatives in the loss draft department. 

However this can not be true. Per XXXX XXXX 's own website : " Consumers are sometimes mistakenly advised that because their government-insured or government-guaranteed loans XXXX serve as collateral for XXXX-guaranteed securities, XXXX XXXX determines servicing decisions regarding their loans. 

However, XXXX XXXX does not set standards for mortgages that are to be federally insured or guaranteed. Each agency that is providing the mortgage insurance or loan guarantee sets the standards for the mortgage originated and the approved lenders that participate in the XXXX XXXX program are responsible for ensuring those standards are met for consumers ' loans. These lenders have complete responsibility for servicing decisions. XXXX XXXX does not make any servicing decisions. XXXX Another supervisor by the name of XXXX the XXXX day confirmed that they in fact choose to follow XXXX guidelines XXXX not XXXX XXXX XXXX This was not the first time that I have spoken to someone in Dovenmuehle 's Loss Draft Department confused about what kind of loan I may or may not have and if they are following XXXX XXXX or XXXX rules. This is documented in a fax I sent to the Loss Draft Department on XXXX/XXXX/XXXX. 

Dovenmuehle 's business is mortgage servicing and therefore they should be able to provide more accurate information regarding mortgage servicing to consumers. This is an egregious misstatement of their own policy, but more importantly that of a wholly owned U.S. Government corporation. It is disingenuous and irresponsible for Dovenmuehle to pass off the responsibility of their own policies on another entity. It is also concerning that phone representatives and supervisors in a company dedicated to mortgage servicing are so mistaken about their own business, industry, and regulatory environment.
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (MT)

I was looking through my most recent DiscoverCard statement and noticed a {$70.00} charge for Payment Protection. After XXXX it the first few results were " Is P.P. a scam ''. I read this was optional and tracked it back to my very first statement in XXXX. I had never signed up for it. After adding up what I have paid thus far it totals {$3800.00}. I have been charged over {$700.00} in just XX/XX/XXXX alone!! That is almost {$4000.00} I have paid for something I never asked for nor opted into. Mind you this does n't include all of the interest also accrued do to these charges. It currently sits as 46 % of my current statement total. I called DiscoverCard to ask what they could do for me and the representative said the best they could do for me was give me back the last six months of charges. I asked him distinctly and clearly three separate times " So what your saying is I have been charged almost {$4000.00} for something I never signed up for and the only thing you can do for me is refund the last 6 months? '' which his reply was yes all three times. I hung up and decided to come here to use the protections within to help solve this very expensive issue that so many other people have experienced and have been taken advantage of. Its such a problem that the FDIC & CFPB have jointly forced Discover to pay restitution to effected parties.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

They took over my loan in XX/XX/XXXX and so far every month have charged me random amounts for other. They are not posting my payments when they get the. They ca n't keep charging me for other. I have sent several emails and they have n't responded to a single one.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

To whom it may concern XXXX I hired a company called XXXX XXXX to replace my existing air conditioning system for the following reasons. 
XXXX 1. They claimed that the air conditioning wasnt powerful enough. 
XXXX 2. They claimed that the wire was undersized. 
XXXX 3. we needed an air conditioning duct in the ceiling of the living room, this work would be done for {$9000.00}. A copy of the contract is included. 
XXXX 4. They agreed that they would take a deposit of {$3000.00} which i paid on XXXX XXXX and they would expect the {$6000.00} upon completion. 
XXXX 5a. upon inspection of the job, they never installed the duct work in the ceiling for the living room, but charged my credit card anyway for the remaining balance of {$6000.00} on XXXX XXXX. When i confronted them, they said that they needed me to know that there was no place to put the duct without me doing some of the work.I explained that this was n't in the agreement. 
XXXX 5b. I stopped the credit card on XXXX XXXX for the {$6000.00} XXXX 6a. They finally agreed to install the air conditioning duct, by the XXXX XXXX, as long as i would give them the payment in full up front which i agreed. 
6b. On XXXX XXXX, they sent over technicians that explained to me that they could n't do the work. 
XXXX 6c. The guys that came to do the work did n't have the right parts for the job to be done and their ladder was too short to reach the roof outside, they needed to borrow a ladder from my neighbor and after looking at the job on the roof, they couldnt figure out where to start. 
XXXX 6d. They also didnt bring the right ladder for the inside of the house because the ceilings were high they could n't reach the ceilings in the house. 
XXXX. XXXX XXXX i put in a second dispute to cancel the charge of {$6000.00}. 

XXXX 8. They agreed to come back and finished the job but needed a set of blueprints, which i sent them via email about 2 weeks ago. 
XXXX 9. I asked them for a letter of intent or diagram showing me how they would install the duct work, and i have n't heard from them in 3 weeks. 
XXXX 10. I understand that XXXX XXXX is trying to have Discover reverse the charges in their favor which i dont believe i should pay for something that isnt complete. 
XXXX Please advise me on this matter. 
XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

My mortgage company ( Ditech ) did not pay my homeowner 's insurance policy and as a result my insurance was dropped. I was not informed of this for months and was given lender-placed insurance to fill the gap. The lender-placed insurance was much more expensive than my previous policy, and of course is a stripped down policy. As a result of my homes mountain location, it has become difficult to insure and my previous insurance company could not give me my old policy back. I was grandfathered in on my insurance and after Ditech caused me to be dropped I was stuck without insurance and had extreme difficulty finding anyone that would consider insuring me. I am now getting closer to finalizing a new policy with a new company but Ditech wants to charge me more for their lender placed policy even though I was placed on this policy solely because of their neglect and inaction to pay my insurance company. It was their problem and they want me to pay to fix it, even after causing me to lose my solid insurance policy that I can never get back.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: ECMC GROUP, INC. (CA)

ECMC has began reporting an account to the credit bureaus without contacting me and verifying the debt first. I have not been contacted by ECMC in any way ( mail, phone, e-mail etc ... ) and given the opportunity to address the alleged debt that has been placed in collections on my credit report. I attempted to contact ECMC via certified mail, with the address provided in the credit report which was listed as being XXXX XXXX, MN XXXX. According the the post office tracking number my certified mail is being " returned to sender '' due to that address being unknown. Since I have n't been successful in contacting ECMC via mail, I am submitting this complaint. Below is essentially the body of the letter I sent to ECMC on XX/XX/2017, which has been returned to sender. 
-- -- -- -- -- -- Dear ECMC, This letter is in regards to item/account being reported to the credit bureau ( s ). I have not received any correspondence from your company attempting to collect a debt. I have not been given the opportunity to address this alleged debt with your company before you began reporting to the credit bureau ( s ). Please cease reporting this item/account ( alleged debt ) to the credit bureaus until the alleged debt can be verified. This is not a refusal to discharge any debt that I may lawfully owe ; In fact, I agree to discharge any debt that I may lawfully owe, once the alleged debt has been verified. What is being requested as validation and verification of the alleged debt is listed below. 
1. Verification of the debt, which includes the actual accounting 2. Verification of your ( ECMC ) claim against me ( XXXX ) ; that is a signed invoice 3. The contract binding both parties ( XXXX and ECMC ) Upon receipt of the above requested items, the proper actions can be negotiated between me ( XXXX ) and your company ( ECMC ) to discharge the debt. Until the debt can be verified, as mentioned previously in this correspondence, please cease reporting this alleged debt to the credit bureau ( s ). Thank you, in advance, for your prompt attention to this matter.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have tried multiple times, from multiple sources, to get my Credit score. Every time, it asks me to choose an item ( i.e Mortgage, credit card ) that I 've never signed up. Every time I select 'None of the above ', because the information it asks for does n't fit anything I 've signed up for. I do n't own a house, therefore have no mortgage and I do n't have a credit card opened in my name despite every company thinks I do. It fails to give me my Credit information. I looked up the reasons why my Credit is bad, it says I have medical bills not paid for in Arkansas from XXXX. I have lived in Georgia since XXXX and have not lived in Arkansas since XXXX. I believe I 'm a victim of Identity theft. 

I have attached XXXX. The first has question similar to what I get asked, the second is it failing.