BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-28
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
While refinancing our home loan XXXX XXXX, we call our previous lender, Ditech to get a pay off letter. They mailed us a payoff letter good through XXXX/XXXX/2016, for the amount of {$280000.00}. Our new loan with XXXX XXXX funded XXXX/XXXX/2016 and Ditech 's own records verify that. Today, XXXX/XXXX/2016, I received a letter from Ditech stating that we owe them an additional {$4100.00}. Needless to say, we do n't have an extra {$4100.00} laying around, and do n't understand how Ditech could have made this " error '', if in fact there is one, and if so, how they can demand payment right now and charge me {$43.00} a day until I pay it. Had they given us this payoff, it would have been financed into our loan, raising the payment {$20.00} a month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: BOK FINANCIAL CORP
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted my first mortgage holder, Bank of Albuquerque, in XXXX 2016 to discuss my options of refinancing my first mortgage and paying off my second mortgage with XXXX XXXX XXXX. I wanted to see if Bank of Albuquerque offered a first mortgage product to combine both mortgages, get a competitive interest rate, with a 15 year term, and to exclude escrow. Loan officer informed me the Bank of Albuquerque did have a product to match my request. We discussed the value of my property, current mortgage balances, loan to value under 70 %, employment status, income, debts, annual property taxes, home owners insurance, credit scores, information from my previous first mortgage application, and all other pertinent information consistent with a mortgage application. The loan officer told me with amount needed to combine both mortgages, the interest rate would be 2.875 % with a payment of {$1400.00}. I informed the loan officer that I would remove the security freezes from all my credit bureaus, as I am cautious about identity theft and believe it is best to be proactive. Once obtaining confirmation from all XXXX bureau agencies that the lifts have been completed, I informed the loan officer in XXXX that the bureaus were available. The loan officer told me he would proceed with my application. The entire application process from XXXX through XXXX included requesting income documentation, ordering and paying for an appraisal, several communication regarding property title, and general conversations regarding the status of the loan. Prior to giving the loan officer my credit card information for the appraisal costs, in XXXX, I asked if we are still at 2.875 % on the rate and {$1400.00} with the payment. He said, " yes and maybe even better ''. As I continued to believe the interest rate and payment was fully disclosed, I proceeded with the loan process and paid for the appraisal. 

It was not until I received the Interest Rate Lock Agreement with a rate of 3.75 % & payment over {$1500.00}, in XXXX, is when I realized that the rate and payment were improperly disclosed. The loan was final approved in XXXX. 

Improper disclosing of interest rate and payment, of a Primary Mortgage during loan application, has lead me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Green Tree collection agency is reporting that we owe them {$400000.00} on a XXXX purchase money loan. They have sent us a letter saying that we do n't owe them the money, but refuse to stop reporting it to credit reporting agencies. This is preventing us the opportunity of refinancing our home. We have been working to get this resolved since late last year ( 2014 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Friday XXXX XXXX, 2015, I spoke to a representative name XXXX at Capital One Investing ( on-line ) about money I desperately needed to redraw from a Roth IRA. Long story short, XXXX verified all information and finally advised the funds would be available and transferred into my linked checking account today. I went on-line today to check status and transaction was for lessor amount discussed. But the big kicker is : THE TRANSACTION WAS CANCELLED. Capital One Investing said it was because of suspected fraud on my account. I suspect it was because of the type of racial discrimination that is subtle, but deliberate and artful today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Debt Recovery Solutions, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received XXXX threatening letters from Debt Recovery Solutions, LLS, with a contact name of XXXX XXXX. Both letters claim they purchased my debt from XXXX, a place in which I have NEVER had a credit card or any type of debt. In both letters, they prompt me to pay immediately, etc., at the bottom there is a spot in which you can enter your credit card number for payment, and you also have the option to pay online. This is an extremely unfair and bullying type of practice. Plus this debt is not even mine. If they are going to send out letter such as these, is it legal to send this type of letter without including legitimate proof of the debt?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to a subprime loan by XXXX XXXX XXXX, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. XXXX XXXX XXXX Foreclosed on my home in XXXX, and no other activity occured on said account since. XXXX XXXX XXXX reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both Ditch Financial LLC, and to XXXX XXXX XXXX to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my home with XXXX in 2006 for {$250000.00}. XX/XX/XXXX I was in a financial crisis, so I got a loan modification with them. The payments were lower after the modification which. Is what I was looking for. Right after I got the modification, XXXX sold my mortgage to Greentree. Now that I am with Greentree I am seeing nothing but trouble after going through my loan paperwork. I found a HUGE mistake! 
My loan with XXXX XX/XX/XXXX was for {$250000.00}. After they sold it to Greentree, the balance was {$280000.00}!!!!! I never even caught any of this until I was going through my loan paperwork just recently, Can you tell me how in the world I have a higher loan balance now?!!?!!! Someone has added in just a couple few thousand dollars ( {$29000.00} ) without me catching it!!!! 
Can you please tell me why I have a higher payoff amount now that it was sold to Greentree?!?!?? When looking at my Greentree statement, it shows a principle balance of {$250000.00}, then it says ( not payoff amount ). What in the heck is going on?!!!?!?! 

Why do I have a higher payoff amount after XXXX transferred to Greentree? A lot higher! 

Another thing I am ticked off about is that Greentree is charging me all of these late fees for now reason! And when I used to make payments over the phone ( which you can no longer do ), they would say that I had to pay a certain amount for paying over the phone! I would sit and argue with them telling them that I do n't get charged for paying over the phone. Then they would act like it was a mistake and say, " oh you are correct, Kansas does not have a charge for paying over the phone ''. 

Another thing is that I have been paying online. As long as it is made by XX/XX/XXXX, then it is not late. Well, I have made several payments on XX/XX/XXXX and marked for it to be on XX/XX/XXXX. After reviewing my bank statements, they never put the payment through until several days later, therefor creating their own late fee! 

Honestly do not see how these rotten people are getting away with stealing everyone 's money! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our home went to Auction at the XXXX XXXX, WA XXXX on XXXX XXXX, 2015. I contacted XXXX XXXX and gave them our case CFPB case number XXXX. 
On Monday XXXX/XXXX/2015 We were served an Eviction Summons ( residential post-foreclosure ) that we need to respond to by XXXX XXXX, 2015. It is from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. Phone number XXXXXXXXAs being included in a Class Action Lawsuit against Green Tree Servicing LLC , I am informing them in writing of such and we will not be leaving our home until this is resolved. We have worked with them diligently to keep our home to no avail. We will be appealing this process with the XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX XXXX XXXX in XXXX XXXX was charged several times in 2009 even after I advised them I was going to be closing the bank acct. I had made several payments and no matter what, the finance charges kept increasing and would turn out that I paid a total of {$1200.00} on a {$400.00} loan before closing the acct. I had to pay several fees and over draft fees and had to close the bank acct due to The Cash Store. Years went by with no contact then randomly a collections office out of XXXX contacted me threating to sue me and when I got smart back with the young man ( knowing my rights ) he admitted over my recorded work line that this debt wont be reported and I wont be subpoenaed to court. In 6 years this was the first contact I 've had with the Cash Store since speaking with the local branch manager. I learned my lesson but feel that The Cash Store should absolve the debt now. The current balance the collections office called asking for was {$2100.00}. 5x more then the borrowed amount. This is just insane

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I mutually agreed that I would stay home and raise my daughter over the years. Now he has decided that he no longer wants to bear the burden and has cut us off financially and left us. He has always taken care of these matters and I have no idea how to proceed. I know that I have received notices but the strain has made me ill and I have been admitted to the hospital on a consistent bases - I am constantly fatigued and faint. Please, I am asking just for a short postponement of our foreclosure dates so I can short sale it, perhaps salvage some of my credit when I get on my feet. I can take care of myself and my daughter - I just need a little time. My realtor tells us she faxed everything to DiTech XX/XX/XXXX but we have never heard anything from them. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, I received a collection notice from The Revenue Group on behalf of the Ohio Attorney General for an unpaid bill of {$200.00} from the Ohio XXXX University XXXX XXXX. The service date of the bill is XXXX/XXXX/XXXX. This is the first notification I am aware of receiving for this bill. I assumed it is in error, because I had numerous health issues at that time and had met my out of pocket total expenses for my insurance. I called Ohio XXXX University XXXX XXXX on XXXX XXXX, XXXX, and was told that notifications of the bill were sent in XXXX XXXX and XXXX XXXX. This was four years ago, so in all honesty I ca n't remember if I did or did not receive these notices, but I can say that we are not the kind of people that ignore our bills. Had we received two notices I am certain we would have either paid or disputed it at that time. After speaking to XXXX XXXX XXXX, I contacted my insurance company for verification of payment. I was told that records that far back are not readily available, and may not be available at all. I was advised to make a records request in writing, which I did on XXXX XXXX, XXXX. I have received no response from my insurance company. I also sent a letter to the Revenue Group on XXXX XXXX, XXXX, explaining that I do n't think I owe this debt, but that I will work on obtaining documentation to prove it. So, the problem is, I have received this collection notice out of the blue, four years after the service was rendered. I no longer have any documentation that can prove I do n't owe this, and my insurance company also does not have documentation that goes back that far. I can not prove that I do n't owe this. However, I have had multiple interactions with Ohio XXXX University XXXX XXXX since XXXX for healthcare, and not once has anyone mentioned this bill. In fact, on XXXX occasions I have received payments from Ohio XXXX for overpayment. Why would they send money back to me if I owed them? This is really distressing. If I do n't pay this bill, it 's going to go on my credit record. Plus, it is going through the Ohio Attorney General Office, and I am an employee of the State of Ohio ... .If I do n't pay it, I 'm afraid I may get in trouble at my job. Can Ohio XXXX XXXX XXXX and the collection companies do this? Just pop up with a bill four years after the fact and say pay it or else?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have an account XXXX in regards to predatory and collection practices of Green tree servicing. I now have XXXX mortgages with them my primary house and an inherited property. They are unreasonable unaccomadating menancing and treat you like a homeless XXXX person reprimanding me at every turn. It was stated by one of the representatives if you are a XXXX and you make this much money you have no excuse to fall behind on your mortgages!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
we were looking into refinancing to lower our monthly payment ... called a lender and they discovered we were being overcharged ( double the amount ) for escrow. we contacted DiTech and requested a refund for the overage and our monthly payment to be adjusted. we were satisfied and also thankful that was discovered and also disappointed in ourselves for not realizing this. since then, we have been harassed with bad debt phone calls by DiTech, and notice statements two to three times a week from them claiming we 're two months behind in payments ( we have never missed a payment ). It has been non-stop, my husband and I have spoken to numerous customer service people, and supervisors whom all have been very uncaring and unhelpful.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I paid a mortgage in full that was serviced by DiTech Financial LLC. I subsequently received a letter from them acknowledging the payoff and advising me that Georgia statute 44-14-3 requires a lender to file a satisfaction of debt document with the county in which the mortgage was recorded within 60 days of payment. Violation of this statute gives the borrower the right to demand payment of {$500.00} in writing from the lender. 
On XX/XX/2016, I received a satisfaction of debt document that was recorded in the WRONG county, thus the property records of the county where the property is located and the original mortgage instrument was filed was not completed as required by Georgia statutes within the 60 day period. By Georgia statute, the debt was still showing as being outstanding more than 60 days from date of payoff. 
I wrote the demand for payment letter as required by Georgia statutes on XX/XX/2016 and explained the error made by DiTech to them with the response that they believe they have complied with the law when they clearly have not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-02
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/1999 I purchased a XXXX mobile home, and when signing the paper work, the finance company side if the interest rates went lower they would lower mine with in a year 's time, they did go down to about 6 % when I signed it was 12.25 % and all these years I have been paying nothing but interest. I have called more times that I can count and asked for a refinancing or a rate modification and each time I am told " sorry we do n't do that ''. it make 's me want to tell them well come get it then and give them a week to do so but I have put a lot of money into my home. my husband and I have reroofed it put floating floors thought out it and replaced to kitchen and bathroom floors with tile painted the out side this is home. I just do not understand how or why they are so unwilling to work with me my payments are on time never late but like everyone else I have a hard time and have to let other things go to make sure that it stays that way. I tried to trade it in before I we did all the work on it and all mobile home dealers in the area tell me the same thing " you are up side down on the money '' your home is n't worth what you owe ''. where do I go? what do I do form here? is there any help for us? my home is on privet property family owed. the the company I am financed with has changed name 2or 3 times I have asked for help 2 times each from each of them once to refinance and then to do a loan rate modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Ditech Financial LLC
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage managed by Green Tree. I recently changed my monthly payment from {$1500.00} to a twice a month payment of {$1700.00}. The payment plan was set up by Green Tree for automatic withdrawals from my bank that the previous payments were made. I received a statement for XX/XX/XXXX indicating I had a late fee of {$32.00} for not making my {$1700.00} payment on XXXX XXXX. I had already made a payment of {$1700.00} on XXXX XXXX which is more than my monthly mortgage. I have a document from Green Tree with the payment due on XXXX XXXX, not XXXX XXXX. I believe this is a common practice with Green Tree because they vehemently denied they were at fault. I have formally contested the charge and not received a response other than it will take 30 days to review. Interesting! I pay more than twice the amount of the mortgage, yet they charge me a late fee. Crooks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been TRYING to get a loan modification from Ditech ( current " servicer '' on XXXX loan, originally XXXX ) and worked with XXXX on the application. It was denied without any real explanation, so I spoke to an attorney who said I should still qualify and to XXXX, who ca n't help with appeals. So I wrote to Ditech asking for clarification, and was told that they are complying with XXXX guidelines. I can not find those guidelines and do n't believe Ditech is telling the truth. I have had a huge loss of income and increased indebtedness, which they have not taken into account, and I do n't see how it is possible that with monthly income of {$1100.00} and a mortgage payment of {$750.00} ( without taking into account ANY expenses, including debt service ) that I would NOT qualify. It seems they continue to deny because it is nearly impossible to challenge them on the facts or their compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation