BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-31
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Six years ago due to financial difficulty we had to file personal bankruptcy. A repayment plan was established by the court, and we made monthly payments to the Trustee as required. At the same time, we stayed current with our monthly mortgage payments, which were made directly to the bank, and not as part of our payment to the Trustee. 
We completed bankruptcy 8 months ago, and had advised our mortgage holder of this repeatedly, requesting to be removed out of the bankruptcy department in order to receive regular statements reflecting payment due, mortgage payment breakdown in interest and principal, principal balance etc..We were deprived of this information while in bankruptcy having been told we would not receive any statements, as this was a customary bankruptcy procedure from the bank. Upon completion of the bankruptcy program, and with formal discharge from the Trustee, we tried to get out account reinstated to " regular '' statements, but were put off for months by the bank with excuses, such as " we have to confirm it ourselves '', " it should take 2 more weeks '', " we have to escalate it, we do n't know what 's taking so long, we have received all the necessary forms, its just a matter of getting the loan processors to update your account and release your account form bankruptcy '', " your account has to be updated, you made some extra payments which are held in a different account, and the loan processor has to apply them to your principal balance, we are escalating this matter again '' ETC ... .After 8 months we finally were taken out of bankruptcy and received our first " regular '' statement, but upon reviewing it, we found a complete mess..The payments we made were only partially applied to interest and principal balances, some of the funds having vanished without any credit/posting to the account. Also there are additional untitled fees that the representatives have no explanation for. 
Having been 'reinstated '', and out of bankruptcy, at least our latest payment should have been distributed into principal and interest, and clearly reflected/posted to our account. But out of a payment of {$1000.00} only {$980.00} distributed to principal and interest, the rest having vanished without explanation or understanding from even their representatives. The only assurance I got from them is " we will escalate this matter, and get an explanation as to what is happening with your payments, but your account is Current at this time ''. However many of these issues have been going on for months now, without any resolution and at this point we have lost confidence in their ability to correctly and ethically service our mortgage loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a house in XXXX in New Mexico, through XXXX. The first loan was for $ XXXX, a secondary loan for $ XXXX. The XXXX loans were then sold to XXXX, then sold to XXXX XXXX XXXX, then to Green Tree Servicing LLC -- XXXX institutions in 4 years. By XXXX, when the mortgage payments kept going up, we lived on our credit cards and loans from family members in order to keep afloat. My XXXX children and I could no longer continue like this. I contacted XXXX XXXX XXXX and Green Tree to notify them we would n't be able to continue making payments. I then contacted Realtors attempting to place the house with them to cover the mortgage. I was told the large house would n't move for months. My children and I moved to more affordable housing out of state. We left the house in pristine condition : cleaned throughout, new paint in the guest house, septic system cleaned, termite inspection conducted, another refrigerator in the garage, and turned the house keys over to a neighbor so the house could be inspected -- in other words, all done in good faith. I tried working with Green Tree Servicing to have them handle the sale of the house, but was told by XXXX of their departments that I was 'an absentee landlord ' who only wanted to capitalize on this empty house and profit from being an absentee landlord. With a Realtor in NM, I tried short-selling the house so it would n't go into foreclosure/sheriff 's sale, had several potential buyers, but Green Tree refused to consider the offers. After that, a sheriff 's sale was speedily arranged, and took place in XXXX XXXX with Green Tree Servicing selling the property to itself for $ XXXX. I was hounded by Green Tree for the whole loan itself, when I had been paying $ XXXX on the $ XXXX, and $ XXXX on the $ XXXX for 49 months. Strangely enough, little of those mortgage monies were ever credited to the loans. The $ XXXX was charged off and I was sent a form showing that I 'earned ' close to $ XXXX. My math indicates $ XXXX. Now Green Tree Servicing has sold the ' $ XXXX ' ( should be $ XXXX ) to another financial company : Ditech Financial LLC XXXX which is notifying me that I owe {$48000.00}. XXXX for these financial institutions. My family and I are still scrambling to recover from this financial disaster. The banks/financial organizations are still selling this paper to XXXX another and making money on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been an XXXXXXXX XXXX for a few years and always consent to a background check. It was time to renew this background check this year and info was reported that haven't showed up on my credit files ever. I have been painstakingly keeping my credit in the green, paying all my debts and something that happened XX/XX/2003 that I took care of back then is now showing up. It hasnt shown up before. I had a check bounce at a XXXX. I think it was for {$65.00}. As soon as I was made aware of this, after a case was filed, because I checked my acct and it had cleared, but then it was returned for insufficient funds, but I didnt know this, and a case was filed. I went to XXXX to pay this debt as well as went to court. They asked if I had paid XXXX which I said yes I did, I paid a {$100.00} fine and that was it. I thought everything was taken care of and I never saw this on my credit file. I have pulled my credit file, I am with XXXX  XXXX  and no negative actions have pulled up there. 
I would like this old information cleared off my count immediately. It is 18 yrs old and I would like your assistance. This information was supplied to XXXX by Checkr , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted my mortgage company ( Ditech ) by letter XXXX/XXXX/XXXX requesting a loan modification due to loss of employment. They requested I fill out the required paperwork which I did and submitted XXXX/XXXX/XXXX. I was denied help b because income was zero even though my husband is a XXXX veteran and collects monthly VA benefits. In XXXX XXXX I was able to regain employment and at the request of Ditech Rep XXXX XXXX I resubmitted all paperwork again XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating my rep had changed but no status update of my modification request. During the next few months I made calls to my Rep for status updates and I was told told the underwriters were still looking at my paperwork. Then, I received a letter dated XXXX/XXXX/XXXX notifying me of my loss mitigation options as thoug h I had never applied in the first place. I placed another call to Ditech and this time I spoke with XXXX # XXXX and told him of my situation. He looked at the account and said to me, " I see where you sent in all the infor mation and it was received ; but it does n't look like anyone has looked at your account since. '' Noone has looked at my account since XXXX/XXXX/XXXX? I find this to be totally unacceptable Customer Service ; not to mention my mortgage is now over {$14000.00} in arrears because I could n't make the payment Ditech wanted and I 've been waiting for a reply to the loan modi- fication I requested. My original mortgage company was Green Tree and then changed to Ditech the end of XXXX. My interest rate at that time was 3.0 % and jumped immediately to 4.0 % for XXXX, XXXX and XXXX XXXX. It increased to 5.0 % effective XXXX/XXXX/XXXX and recently I received another increase notification dated XXXX/XXXX/XXXX of an increase to 5.375 % effective XXXX/XXXX/XXXX. I could n't afford the payment at 4.0 %, it is more than XXXX of my monthly salary. I am at my wit 's end now, I do n't know what to do so I am contacting you for advice. Because of the past due amount on my mortgage I have been told I am not eligible for the XXXX program but yet others are telling me I am. Today I placed another call to Ditech and of course spoke to yet another rep ( XXXX # XXXX ) and she typed into my account the information from our conversation and to have her Manager send me yet another form since she was not author ized to do so. 

Please Help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I previously filed a complaint against this company due to poor customer service and they tried to collect on a debt that XXXX had no record of. The company responded and agreed to close the account delete it from my credit report. Last week i got notification that they are reporting on my credit again. I called on XX/XX/XXXX and spoke with a XXXX XXXX who acknowledged that the account was closed however stated that a manager needs to review the account and call back. I informed her that I will hold on however she started getting an attitude and was extremely rude. Terrible customer service. I called back on XX/XX/XXXX since I did not get a call back from the manager and spoke with a XXXX who stated that a manager, XXXX XXXX, will call me back. Once again i did not receive a call back. This has been reporting inaccurately on my credit and is damaging my credit score. This company has sent me a closure letter agreeing to delete the account from my credit report and they are inappropriately reporting the same account again. The representatives refuse to speak with me and management does not return my phone calls. Every telephone communication with this company, aside from XXXX, has been horrible and they all have terrible customer service. If this remains on my credit report i will be forced to press charges for violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have yet to receive the full refund of my escrow account since closing XX/XX/2016. The full amount is {$2000.00} and I only got a partial refund of {$340.00}. I have not cashed the check yet since it was not the right amount. Greentree / Ditech new I was refinancing since they were notified that I needed the payoff amount of the loan. Since I was refinancing I needed to pay off my property taxes before closing so I paid the full amount of my property taxes that was posted XX/XX/XXXX and Ditech the XX/XX/XXXX. Attached is my notes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX I contacted the Consumer Financial Protection bureau concerning the problems I had experienced trying to qualify for the HARP program thur GreenTree my mortgage servicer. ( exhibit XXXX & XXXX ) For over 6 months I provided all the paperwork requested in order to modify my XXXX loan. I was denied because I could not prove a hardship ( exhibit XXXX ) and was instructed to try again where I supplied a hardship letter on XXXX XXXX, XXXX ( exhibit XXXX ). On XXXX XXXX GreeTree pulled my credit ( exhibit XXXX ), and was then denied because I had a perfect payment history on my mortgage with them and to qualify for HAMP you need to be delinquent on your mortgage ( exhibit XXXX ). I knew I was not dealing with brain surgeons but since GreenTree was/is the servicer of my loan and had the mortgage history they would see that there were no late payments. Why would you waste over 6 months of paperwork, phone calls not to mention playing with people 's finances and emotions when they KNEW I did not qualify? They then suggested the HAPR program but the rate and fees they quoted were higher than I felt they should be. I entered into a HAPR application with Prospect Mortgage, XXXX XXXX, ( XXXX ) and was hopeful that I would be able to finally reduce my rate and be done with GreeTree. To my surprise and disappointment GreenTree who denied me a HAMP modification because I had a perfect payment history was now reporting that I was 30 days late in XXXX, XXXX ( exhibit XXXX ). When I became aware of this I immediately contacted GreenTree and they said that I had no late payments and proved me a credit reference Inquiry on XXXX XXXX, XXXX ( exhibitXXXX ). I also requested a balance be reported and was sent response dated XXXX XXXX, XXXX ( exhibit XXXX ). My attorney prepared a response ( exhibit XXXX ) but per letter XXXX XXXX, XXXX ( exhibit XXXX ) GreenTree refuses to report said balance. However, GreenTree had no problem to continue to report false information ( lates ) on credit report dated XXXX XXXX, XXXX ( exhibit XXXX ) which is 6 weeks after they provided me information matching my records that there has never been a late mortgage payment. Over the next 5 months GreenTree provided XXXX documents confirming NO late payments ( exhibit XXXX ) yet on XXXX XXXX, XXXX GreenTree reported that I was delinquent in XXXX XXXX ( exhibit XXXX ) and the same false information was reported on XXXX XXXX, XXXX ( exhibit XXXX ). 
GreenTree 's deliberate negligent actions are preventing me from refinancing a XXXX loan at 6.125 % rate to a much lower prevailing rate which would enable me to continue to live in my home without worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
B DISCOVER FIN SVCS LACCOUNT NUMBER : XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXXPHONE : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify B DISCOVER FIN SVCS L or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : B DISCOVER FIN SVCS L or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SS # XXXX XXXX # XX/XX/XXXXADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Signature Mortgage Inc of Indiana
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was overcharged for an appraisal by Signature Mortgage and XXXX XXXX in XXXX XXXX, IN. The {$520.00} price they charged was {$240.00} more than the " appraisal '' fee listed in the Itemization of Fees disclosure. Further - they also tacked on an " appraisal management fee '' - which I have no idea what that is. Even with that garbage fee, they still overcharged me by {$50.00} above the Itemization of Fees disclosure for the appraisal. I signed off on the Itemization on XXXX/XXXX/16, but XXXX suggested an FHA mortgage on XXXX to which I agreed. They never sent an updated Itemization after XXXX yet XXXX tried to tell me the FHA appraisal was more costly, but she never told me that when she suggested the FHA loan, nor did she explain WHY an FHA appraisal was more, or what an " appraisal management fee '' was. Worse, as the appraisal came in lower than expected, the re-fi did not go through and I 'm out {$520.00} for nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is showing negative information that is over 7 years old on my credit report for XXXX accounts. These items need to be deleted from my credit report as the are all past the original delinquency date. 
1 ) XXXX Mortgage loan # XXXX is showing late payments starting XX/XX/XXXX through XX/XX/XXXX. 7 year mark ended XX/XX/XXXX and all negative notations should be removed past original delinquency date. 
2 ) XXXX Mortgage loan # XXXX shows late payments from XX/XX/XXXX through XX/XX/XXXX. 7 year mark ends XX/XX/XXXX and all negative notations should be removed. They are past the original delinquency date. 
3 ) XXXX mortgage loan # XXXX shows late payments starting XX/XX/XXXX end ending XX/XX/XXXX, 7 Tear mark ended XX/XX/XXXX and all negative notations should be removed. They are all past the original delinquency date.

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 2021-04-03
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reference XXXX. You closed the complaint even though I told you I had not received a response. As of XX/XX/XXXX, I have not received a resolution letter from Nationstar ( DBA Mr Cooper ). They said they sent to me. Please send it to me directly. Given the overall lack of communication from Mr Cooper, I have zero trust that they sent a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my TWO previous request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and they can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA they are bound by law to ... ..Delete ALL information which is inaccurate or incomplete or can not be VERIFIED, that I have disputed Thank you in advance for resolving this matter..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I signed up for a " free '' credit report via the XXXXXXXXXXXX. 
which cost {$1.00}. Then about a week later I noticed {$39.00} had been withdrawn from my checking account without my permission or notification. I called the number which showed on my bank account. XXXX to try to get the charges reversed. I was told there was nothing I could do about it. I was given another number to call XXXX = Experian called numerous times no answer. There was noinformation on the form I completed for the report that indicated I had to become a member within a certain amount of time. Apparently they used my debitdata to take the liberty to enroll me without my permission. I 'm asking for my {$39.00} to be refunded. I 'm on a fixed income ca n't afford nor do I need a credit reportmembership. 
XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX = XXXX did an unauthorized hard credit check when i did not apply for a credit card. This caused a drop in my credit rating. I am notifying Transunion and XXXX but have been told that they will not remove it. I believe that this is totally unfair and illegal and they should fix my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion is taking to long to send results.

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 non-monetary relief