BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-27
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to unforeseen family issues we fell behind on our mortgage payments in XX/XX/XXXX. After months and months of going back and forth with Flagstar Bank we were able to get a loan modification in XX/XX/XXXX. Our first payment of {$1500.00} was due in XX/XX/XXXX and was paid on time. Everything was fine until XX/XX/XXXX when Flagstar sent us a notice that our escrow account was underfunded and that our new payment would be {$2000.00} per month starting in XX/XX/XXXX. This new payment included home owners insurance issued through Flagstar at {$180.00} per month plus the escrow shortage. We had sent them proof of insurance in XX/XX/XXXX and then again in XX/XX/XXXX but they continued to insist we needed to pay the {$180.00} per month. I have a problem with the fact that in late XX/XX/XXXX they go to all the work of a loan modification but didnt look at the escrow account to make sure that it would be properly funded and 4 months later raise our payment by 32 %. 
As we tried to come to an understanding about what they thought we owed and what we thought, we continued to make our original agreed upon payments of {$1500.00} per month. At the time, we did not have the means to pay a lump sum or the extra 46 % increase due to a slow down at my job, so they sent back our XX/XX/XXXX & XX/XX/XXXX payments and started foreclosure proceedings. 
In XX/XX/XXXX I sent in a completed loan modification package for their consideration. Last Tuesday, XX/XX/XXXX, we received a letter from them saying that we were denied a modification because we did not make 12 payments on our previous modification to qualify for a new one.  They also stated that we had recovered from our income shortfall and no longer were qualified for a forbearance. I feel that Flagstar sent back our XX/XX/XXXX & XX/XX/XXXX payments so that they could make this claim, if the occasion ever arose. 
I have recovered from my loss of income and in fact make more now than I did when we were approved for our initial loan modification, but Flagstar seems more interested in Foreclosing than working with us. I have filed a Loss Mitigation Appeal with Flagstar on XX/XX/XXXX ; they said they would give us an answer in 30 days. We need someone other than ourselves to step in and help Flagstar Bank do the right thing and not try and take a home we have been in for a long time.

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 2016-10-01
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Also violating FDCPA by reporting a closed account as " open '' thereby negatively impacting my credit score. Firm refuses to remove inaccurate offending data reporting from my credit file after repeated communications form me demanding same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Continental Finance Company, LLC
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX keeps calling me in reference to a Verve Mastercard financed through Continental Finance. The representative are very rude and demanding. They threatened you with charges if you do n't pay the bill but refuse to send any documentation by mail. They demand that you give them your debit card information over the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The following account debt was dismissed by the courts with documentation, but Collection Company is still aggressively attacking credit bureaus with constant adverse credit report scouring. This account was a joint account with my XXXX year old mother who had perfect credit, but now it`s ruin because they constantly report this collection to the credit bureaus in a very negative way. This excessive negative reporting is interfering with me purchasing a home. Thank you for your help and support. 

Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Account # : XXXX Balance Stated : {$4400.00}

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 2016-12-03
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Called Ditech about putting {$50000.00} towards my principal. Was told I could do it over the phone but would have to do XXXX electronic transfers of {$10000.00} dollars each. I agreed and make it very clear that the money was to go toward principal and that the money was to be taken from my savings account. The transfers were made and the next day I received an email from my credit union showing that I owed {$140.00} in NSF fees. The first transaction of {$10000.00} was taken from my saving account went through without any problems. But the next XXXX transaction of {$10000.00} did not go through because Ditech made a mistake and tried to take it out of my checking account. 
Ditech has admitted the error and they keep apologizing and say they are going to reimburse me, but the money never comes. Instead Ditech sends me a nasty letter saying they are charging me {$100.00} because the transactions did not go through. Ditech admits their mistake and then charges me {$100.00}. I am out {$240.00} for Ditech 's mistake. 
I have talked with 12 different people at Ditech including 3 supervisors and still do n't have my money. Ditech uses the old term " THE CHECK IS IN THE MAIL ''. I have gotten 14 pieces of mail from Ditech but no check. 

After telling me " THE CHECK IS IN THE MAIL '' I received a notice that {$140.00} was deposited into my savings account. It was another lie, the money is not in my savings account and when I call them they have no answers. 
Mortgage companies need to me held accountable and should not be allowed to operate like this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: Innovis
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that INNOVIS DATA SOLUTIONS has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND INNOVIS DATA SOLUTIONS SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Greentree mortgage never offered a pre-loss mitigation trial. They just took me directly to foreclosure. Refused to negotiate with my attorney who quit on with-out my knowledge. They refused to remove forced place insurance even after i provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind in my house payments and have applied for a loan modification repayment plan. 
Green Tree has blocked my account number and phone number. I have not been able to contact them since XXXX/XXXX/15. As soon as the system recognizes me I am told the extension entered is invalid. I do n't enter an extension. At first they had my account number blocked and I figured out how to reach them without the account number, then they blocked my phone number as well. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: GMA Investments, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
caller leaves a contact not from who left the message. states that we have unpaid debt which we do not have ant UNPAID debt. number calls from ( XXXX ) number to call back is ( XXXX ). They leave no name or company name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, XXXX, I submitted a CFPB complaint against ECMC for fraudulently and illegally garnishing my wages ( CFPB Complaint # XXXX ). In response, ECMC never provided debt validation, posted my own Notice of Intent to Sue in place of an explanation and claimed that it was keeping the " trade line '' on my Credit Reports, even though it blatantly failed to abide by the FCRA, FDCPA and California XXXX XXXX. My credit report erroneously stated that I had a loan from the lender of " University XXXX XXXX XXXX '', which is not a lending institution, financial institution, nor bank. ECMC then claimed that it was collecting funds on behalf of the University XXXX XXXX XXXX, even though ECMC was not the lender, servicer, nor guarantor. I checked my Experian credit report on XXXX XXXX, XXXX, and I have found that ECMC no longer lists itself as a " trade line '', for supposed loans obtained in XXXX to XXXX, but now lists itself as a new loan originator, with XXXX loans originating in XXXX. I did not attend college in XXXX. I did not take out loans, and I did not contract with ECMC. I never received loans from ECMC, nor any organization affiliated with ECMC. It is clear that ECMC is insistent about wanting to take money from me, even though it has not met its burden to provide proof of the existence of a debt. They are engaged in illegally altering my credit reports, and they are actively engaged in fraud. Further, they contacted the University XXXX XXXX XXXX and requested my transcripts, which is a violation of XXXX. The college provided my Student ID number, all personal data, and grades. All of this happened months AFTER filing a CFPB complaint ( XXXX XXXX, XXXX ). I attended college 12 years ago, and I have never heard anything about supposed loans and never received any documents. The more information I give via complaints, the more ECMC chooses to contact additional people and agencies. I WILL NOT tolerate this financial fraud. My credit score and credit report are the lowest they have ever been ; this is due to the fact that with a 22 year credit history, I now have XXXX " new accounts '' that are XXXX years old and all adverse. These XXXX new accounts were just added after I submitted my XXXX XXXX, XXXX CFPB complaint. I have attached each of the XXXX new accounts listed on my credit report as XXXX files. The process of filing police reports, contacting various agencies, and initiating a lawsuit, are all very time intensive, and the lack of recourse for such blatant violations is astonishing. Even through the crisis of XXXX, I have never seen XXXX in this condition, and it is simply horrifying. How many times does ECMC have to be sued before this will stop permanently?

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 2015-06-16
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We took out a XXXX mortgage with XXXX, we missed a few payments so they sent our loan to a collection service. Which has been transferred many times. We are now with Green Tree Servicing LLC. When I log on to their website there is no account set up for us, so I am unable to even look at our account, I was able to pay by phone for the XXXX XXXX payments then they told me that the state of Colorado does not allow them to collect by phone, then they wanted me to set up a way to pay through our bank so that the bank could just send the payment when I requested. I could not even set that up my bank did not recognize Green Tree 's system. Now I have been told to send my payments via XXXX or XXXX XXXX, I was only able to get that to work XXXX. I now make my payments via money order. When checking my credit report it shows in the remarks charged off account. After going thru all the difficulties just to pay this debit off I am wondering if Green Tree Servicing LLC is a Legitimate company. I received a letter dated XXXX/XXXX/2015 in reference to Federal and state law prohibit certain methods of debt collection and require that we treat you fairly. If I have a complaint I can contact the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am assisted with my mortgage through an agency. Since I am XXXX, XXXX, and on a XXXX this helps me pay my mortgage. GreenTree Mortgage bought my mortgage from XXXX Mortgage XXXX year ago. I have my mortgage amount debited out with auto pay from my credit union and the agency sends the balance through their account which is automatically deposited in Greentree 's account from their bank. Periodically Greentree has called me and asked me where was the agency 's payment and I have told them to call the agency. In XXXX I received a call from XXXX at Greentree XXXX asking me for XXXX 's payment from the agency. After calling the Agency and being advised by them that Greentree should look through their lists of bank deposits and my telling Greentree what they said. I also told them that my portion was being discontinued as of XXXX XXXX and just the agency was paying the full amount. I was asked by XXXX to send proof with the letter sent to me by the agency, along with a cancelled check, my bank statement showing the amount deducted and a letter stating that I no longer wanted the amount I had been paying deducted out of my account. Greentree still deducted the payment and after I called to ask when they were going to reimburse me I was told by the Customer service rep that because I had blackened all the transactions on my bank statement they would n't send me a refund. That I needed to send them a bank statement without the blackening of my transactions. I responded that I did n't blacken the amount withdrawn by Greentree and I believed my transactions were private and there was no need for Greentree to know my business. To this date, I have not received my refund and they are not returning my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18
Company: First Data Corporation
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My prepaid visa debit card was suspended. I was told I needed to fax them XXXX current id 's which I did. Now they say they need proof of address because I use a po box . I am a motorhome salesman and do n't have a home address. I stay at different campgrounds. They wo n't send my funds to my po box and close my account. It seems they just want to keep my money and keep my card inactive even though the balance shows over XXXX dollars.

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 2016-10-26
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am a real estate broker and have a property listed ( short-sale ) XXXX XXXX XXXX, XXXX, Ca. The negotiator/closer approved the short sale last week XX/XX/2016 with a closing to happen XX/XX/XXXX, this Friday with the current buyer. 
I made DiTech aware that this is a short time to close. Today I requested an extension on the closing date to remove some liens off the title of the property that we are awaiting clearance from the lien holders, and they denied my request saying they will not extend this close date because property foreclosure date is on XX/XX/2016. I again asked for an extension of XX/XX/2016 since it 's before XX/XX/2016 and they denied it. 

The sellers and myself have done everything possible to avoid foreclosure, and it is unfortunate DiTech is not reasonably cooperating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: BROKER SOLUTIONS, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX our house XXXX, in XXXX the insurance company settled with us an sent a check for the settlement with both my name and the mortgage company. I endorsed the check and send it to the New American Funding and they deposited the funds into an escrow account. My outstanding mortgage was XXXX and the settlement was for more than that amount so they sent me the difference to use as I pleased. I then asked for a dispersment for the demolition of the house, had an inspection and received XXXX. The balance in escrow was now about XXXX. The loans then sold to New American Funding ( confusing I know it seems like the same company ) and they then said I needed to resend all the insurance documents etc. I indicated they should and do have all of those and they needed to find them. After four weeks and multiple phone calls they finally had the documents, even though they had them the whole time. I was sent information that said you would receive payments in XXXX as the house was completed. Three weeks ago I spoke to XXXX as they had received the inspection report indicating the house was at least XXXX percent complete and requested the XXXX draw. I was informed that the XXXX draw was less then the normal thirds they would have send and that the XXXX draw would be larger to get us to the 66 % mark. I receive the draw and it was not the XXXX I was expecting, it was XXXX. I have a house that needs to be built and paid for. The person I called said they were considering the first payment they sent out the amount of the settlement in excess of the loan amount as a draw. However it is not. They have no control over funds about the mortgage amount. Also it does n't seem right that they continue to charge me interest on my loan and make interest on the funds they are holding against my loan. It has been very disorganized, they can not send or receive email and if you ask for a supervisor they can not transfer you. One has to call back in 2 days. They call outside of normal business hours for my time zone, and every person you talk to tell you different information. I need to amount to be corrected and sent as I have a builder I need to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Paramount GR Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to a new 3rd party company through Paramount Mortgage. It was not made clear what needed to be done on my end with the loan transfer. Received a call from Paramount stating that we were behind on payments and realized that the automatic payment from the first loan was no longer going through. After calling it was learned that since it was a whole new loan number we needed to re-do all paperwork for payments once again. 
After attempting to set up automatic payments on their website, there was a glitch in the system that would not allow the set up with the new account. Daughter attempted to call and was also advised that her status of being an approved contact on the loan was also not transferred which has started a 6 week process of multiple people handling the loan and not one same answer. 
Daughter was advised she needed to email in the power of attorney. She specifically asked if she needed to provide this for both people ( me and my wife ) on the loan or just one. Only for one. This information was then sent in. 
Daughter attempted to call again to make a payment. She was advised that there was missing information and she was not an authorized person on the account. Person would not provide any other information and said to wait 7-14 business days to get a letter of what we were missing. 
Another call into the company.They needed an hand written note and signature from me that I accepted the power of attorney ( even though that is what the power of attorney is ). Daughter drove two hours to get this signature. This information was sent in. 
Daughter called and was advised that she was now an authorized user and discussed details with her on the account so we can attempt to set up bill pay to get us current on the loan. The bill pay did not go through. 
Daughter attempted to call again to make a payment. She was advised that there was in fact missing information and is now no longer an authorized user. Now advised that the power of attorney was for the wife, but had my signature ( wife XXXX can not sign ). Requested power of attorney for me. This information was sent and we are now waiting. Payment was also sent by certified mail since other options have not worked. 
Each time Paramount is contacted, we have received different information. We can never reach the same person. And there is absolutely no consistency with the training of the employees. I even had someone give me a fake name " XXXX '' to use them as a contact and they would personally follow up with me and the case and it never happened.

Company response to consumer: Closed with explanation