davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: BlueChip Financial (FL)

I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But XXXX capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NC)

Citi Bank closed my credit card without notice, and at the time it had a rewards balance ( cash back ) nearly equal to the statement balance. They have refused since XXXX of 2019 to apply this outstanding balance to at all to account leaving me with growing debt and interest that I can no longer afford to pay at this time, and have lost my job due to the pandemic.
Consumer complaint received 2016-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (TX)

For over 4 years, I have been trying to have ACS/XXXX to remove XXXX late delinquencies from all XXXX credit brueaus ( XX/XX/XXXX and XX/XX/XXXX ). Yet, the creditor did n't remove until recently ( XX/XX/XXXX ). I spoke with XXXX XXXX of ACS and he reassured me that he will make sure that the delinquencies are removed as soon as possible. Yet, they are still present on all of the credit bureaus. Even after submitting the documentation to all of the credit bureaus, ACS/XXXX still not honoring their promise to remove the delinquencies. This has caused a major inconvenience with my credit report history.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AND XXXX HAS VIOLATED MY RIGHTS. 

* 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

* 15 USC 1681 SECTION 604 A S
ECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 


ALSO I HAVE POINTED OUT TO THE CREDIT BUREAUS THAT THERE WERE INACCURACIES IN THE REPORTINGS. DIFFERENT OPENING DATES, ACCOUNT SHOWING ON JUST ONE BUREAU AND NOT THE OTHERS, DIFF OPENING DATES, DIFFERENT DATE OF LAST PAYMENTS. ALSO I HAVE GAVE THE CREDIT BUREAUS SINCE XX/XX/2022 UP UNTIL NOW TO CORRECT THE INCORRECT REPORTING ALONG WITH THE HIPPA VIOLATION ACT.
Consumer complaint received 2016-01-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IN)

I am currently unemployed and having trouble keeping up with my XXXX mortgage payment with Ditech home mortgage. They know this. I have told them several times that I am trying to get them the money I owe them. I have been able to avoid foreclosure through family members. I get collections calls from them telling me that they know the house is vacant and are taking steps to take the house, and they know that I am still living at the address Now my relatives are getting calls telling them that I have a package and need to call a certain number to receive the package. I have check the internet on Ditech mortgage have found several negative remarks, and complaints about them. The loan was originally with XXXX mortgage company and sold to Green tree mortgage and sold to Ditech. 
I did not receive a new service letter from either green tree and Ditech. Which I believe is a violation. I worked in the XXXX fro fourteen years and I remember having to send letters of new servicing to customers I also AVE STRONG SUSPICIONS THAT THEY ARE INVOLVED IN PREDATOR LENDING PRACTICES. 


Thank you, XXXX XXXX DI TECH mortgage XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

I complaining to the services of you good office to kindly help me resolve the predatory, nature surrounding getting the help I need for a loan modification with ditech, LLC. And returning to me my mortgage payments made to them. Ddetech, LLC informed me that they were legally in charged and have taken over my mortgage. Among the statements mailed to me, the statements dated XXXX/XXXX/2016 ( {$29000.00} and {$30000.00} respectively - including a letter to pay my own owner Insurance that is mortgage inclusive but not limited to XXXX conformation letter completed the Hope Modification I have asked for. to date I need answers to support my case.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NM)

I am contacting CFPB today because I tried to contact Green Tree Servicing customer service and XXXX attempt I was disconnected and XXXX call I could not get a reasonable intelligent answer to my questions. XX/XX/XXXX first off someone or something decided to send me a escrow surplus check, which created a negative escrow balance. Same time period someone recorded a escrow payment and then did a payment to hazard/fire insurance co. For the rest of the year the escrow account entered into a negative balance XXXX more times. In XX/XX/XXXX I get a escrow account disclosure statement stating I am negative {$830.00} which Green Tree opted to collect it over the next 18 months. Not only did Green Tree add a shortage payment of {$46.00} they increased my regular escrow payment by {$5.00}. I do not understand the logic of Green Tree servicing practices. Who or what issued the surplus check did not look at my trailing history or future obligations. Using Green Tree 's own explanation of escrow balance '' escrow represents monies collected and held by servicer for the future payment of taxes and insurance ''. It is clear that Green Tree did not look at total escrow account before issuing a surplus check. When I received the check I did think a red flag was necessary, by the definition of surplus '' something in remaining after all current and near future obligations are accounted for ''. My mortgage has has not been delinquent with either Green Tree or XXXX XXXX XXXX who sold the mortgage. As the consumer I do n't feel it is my job to XXXX check Green Tree 's figures.
Consumer complaint received 2016-09-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (DC)

Ditech ( formerly Greentree ) foreclosed on / charged off my XXXX mortgage loans without sending me any notifying paperwork. In fact, after multiple phone calls, they still ca n't find any record of paperwork of any kind about this. One loan, in fact, they 're still reporting as both charged off and owed on my credit report. I do n't know the difference between FHA mortgage and conventional mortgage, but I know with both a company is n't supposed to foreclose without sending paperwork confirming it.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Ditech Financial LLC (TX)

DiTech Financial ( DF ), formerly known as Green Tree Servicing, is reporting information on my credit report in direct opposition to an Stipulated Order for Permanent Injunction and Monetary Judgment ( XXXX ). I have contacted DF and sent them a copy of injunction. No action has taken place as far as removing the information from my credit report.
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Ray Klein, Inc. (AZ)

I have a public record reporting on my credit report that the debt was not paid. I have a release settlement letter dated for XX/XX/XXXX that was paid and settled. It continues to appear on my credit report as a Judgement. I called a month ago and XXXX XXXX had the letter of settlement on file and as of today it is still on my Public report. I have been turned down for XXXX because they have not removed it. the reference number is XXXX. I have another XXXX on my public record for the same thing XXXX agencies also a medical debt that was satisfied in XX/XX/XXXX still showing on public record for XXXX XXXX and needs to be removed. the reference number for that is XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been submiting dispute letters to the Credit Bureaus to update and correct the information being reported on my Credit Report. I have been awaintg for their reply and yet they have sent me nothing! I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, # XXXX, and # XXXX, and I'm including it again. 

1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT ED/XXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT ED/XXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2016-07-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EDvantage LLC (CA)

I made payments to Tuition Options for a loan not covered by XXXX XXXX as explained by the financial department by the now Closed XXXX XXXX in XXXX, CA. I personally XXXX payments of XXXX and XXXX payments of XXXX. I called Tuition Options, and they said my account was now closed and they did n't know how or if I would get my money back. 
I received a letter saying my student loan would be discharged and payments that I had made to XXXX would be refunded. Well in XXXX I was refunded XXXX payments of XXXX, and XXXX payment of XXXX. I called the department of education in XXXX, CA, The Bureau For Private Postsecondary Education, Consumer Financial Protection Bureau, and the Student Aid Commission. Each one of them could not do anything for me. They all had me call other numbers. I explained that the school was now closed, and no one seemed to have an answer for me. Since I received refunds from my big student loan, why ca n't I received a refund from Tuition Options. Their number is XXXX.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

My mortgage was transferred to Green Tree Servicing in XXXX, 2015. It was at this time I found out an escrow account had been placed on the loan by XXXX ( the prior loan carrier ). I contacted XXXX and showed proof I had home insurance and they immediately flat-cancelled the policy and refunded escrow fees to Green Tree ( since they now had my loan ). Since that time I have been trying to get Green Tree to cancel the escrow and refund all escrow fees. I called in XX/XX/XXXX and they asked for copy of email from XXXX showing the insurance was flat-cancelled. I mailed that in but still no resolution from Green Tree. Green Tree has NEVER responded to me except for canned email responses which say it takes 30 days to respond. I have kept copies of all emails and letters mailed to them.
Consumer complaint received 2016-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC. (CA)

ECMC is reporting a collection on my credit report for a student loan where there were no payments due while I was in school. When I got out of school and the payments came due the account was sold to XXXX XXXX XXXX and I started making payments. I started my payment plan with XXXX XXXX XXXX and have never missed a payment with them in approximately 3 years. XXXX XXXX XXXX is reporting the student loan on my credit report. How can they report something that the payment was not due and is a duplicate?
Consumer complaint received 2016-09-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (GA)

I am writing in regards to my mortgage company ( Loan Depot ) failing to pay my taxes for my property and a tax lien was placed on all XXXX of my credit reports due to their negligence. I escrow my taxes per requirement of my mortgage and Loan Depot in return is required to pay my taxes for me. I only knew of my taxes not being paid because I tried to take additional credit out for a credit card and was denied due to a tax lien being placed on my credit report. I have contacted the loan depot a number of times ( via : phone and email ). They have not helped me what so ever. I have tried disputing this through the credit reporting agencies and they have denied my claims because loan depot has not contacted them to state this was at their fault and not mine. I have provided everyone any and all information to prove this was not my fault but still I am the one who is effected by their lack of responsibility. I have spent HOURS trying to fix this problem and I do n't know what else to do. My credit has been trashed because of this. I need this removed from my credit report immediately and loan depot has not made any attempt to work with any of the credit reporting agencies to fix this problem.
Consumer complaint received 2017-02-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (CO)

I have a vehicle loan through Volkswagen Credit for a XXXX XXXX SportWagen. This vehicle was included in the VW XXXX Liter diesel settlement agreement, and I entered into an agreement with VW XXXX XXXX to buy back my vehicle under that settlement. The amount of cash I was entitled to receive in that settlement included payoff of the remainder of my vehicle loan balance with VW Credit as the balance stood at the time VW XXXX XXXX confirmed my outstanding loan balance which was sometime in either late XXXX or early XXXX XXXX. However, I was not able to obtain an appointment with VW XXXX to buy back my vehicle until XXXX XXXX, XXXX. In the meantime, XXXX payments on my auto loan became due and I paid both on time. I was assured by VW Credit and VW XXXX that VW XXXX XXXX would transmit the full amount of the balance due as of early XXXX and the amount of payments I made in XXXX and XXXX would be refunded to me shortly after VW Credit received the funds from VW XXXX. The VW Credit representative I spoke with initially told me it would take 2-3 weeks for VW Credit to receive the funds from VW XXXX XXXX, and would initiate a refund of overpayment to me within 2-3 business days following the account closure. VW Credit confirmed that it received the funds from VW XXXX XXXX to payoff the loan and closed the loan on XXXX XXXX, XXXX. I called today XXXX XXXX XXXX XXXX to determine when the overpayment would be refunded to me, and they confirmed I had a refund of about {$820.00} due to me, but would be holding those funds for 17 days following the payoff date of XXXX/XXXX/XXXX. This means that VW will effectively have held my money for nearly a month and a half after I turned in my vehicle to VW and satisfied all my obligations to them. I believe I ( and other VW owners who are similarly situated ) be entitled to a speedier return of our funds. Shortly after I got off the phone with this representive, he called me back and let me know they could expedite the process by about 4-5 days if he submitted a check request. However, this will still result in VW Credit holding funds due to me for over 1.5 weeks following payoff of the loan.
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Scottrade has the worst customer service. If anything goes wrong in your account, expect your account to be closed as Scottrade will not give you XXXX seconds of their time to resolve the issue, especially if they are at fault. 

In my case, my Scottrade account was hacked and when I reported the fraud to Scottrade they said that I was no longer a customer. During that time that I was suffering and needed help from Scottrade I was throw out and refused service. 

After reading other comments on the CFPB 's complaint portal, this appears to be common practice for Scottrade, so I guess it might be my fault. I should have researched Scottrade more. 

A warning for the wise. Do not do business with Scottrade if you expect even a hint of customer support.
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

My mortgage lender has misposted several of my mortgage payments over the past six months, crediting the payment to escrow instead of to principal and interest. I have contacted them at least 5 times to correct the error, yet they still show me as being in arrears in my payments despite assurances by their customer services personnel that the misposting will be corrected. Now they have reported me delinquent to the credit bureaus and my credit rating has dropped by XXXX points or more.
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

We applied for shortsale assistance XX/XX/XXXX, as it was offered to us to help us avoid foreclosure. After we submitted at least XXXX offers from buyers ( we also had a few, really low ball Cash Offers which we did n't even bother with ). All within timeframes of XX/XX/XXXX through now. Each contract price gets countered to above market value. Each time the buyers cancel the contract, as it 's subject to the 'shortsale approval ' and then a new BPO/Appraisal. My realtor kept listing the property at what the bank wanted $ XXXX and got NO showing request. She sent this XXXX listing history to the lender to show them, no activity. It did n't seem to matter. We sent them the comps they wanted 'Non Dis-stressed, Foreclosures or Shortsales ' to be used as comps? Does this make any sense. Why is n't the bank using comparables to my house, in the current dis stressed condition it is in, to appraise the property? Because it does n't benefit them! I feel the bank is purposely delaying this shortsale and not coming to the true market value of this property because they would rather see it go into foreclosure. Which during this process they would stop foreclosure actions, the bank just filed the les pendens law suit about 1 month ago, knowing we have had a contract in place for shortsale processing. I am not sure if this is a form of discrimination or some scam. For example, on the 'latest ' contract in for shortsale approval, XXXX different BPO/Appraisal people came out for the bank, within days of each other, XXXX is reported to just take pictures, no value dispute the other is told to do full BPO. When they go back to submit the work, the lenders request is cancelled. Why is the bank stalling to finalize this shortsale. The current buyer has to move out now by XX/XX/XXXX- he is going to have to walk from this sale, again like the other buyers, because the file is not being processed or moved along at fair market value. There are current water leaks in the master bathroom windows, no washer or dryer and AC that does n't really work. We have disclosed all of this to the buyers. Does the bank really want to work with us or not? Please stop wasting our time. HELP!!!!