BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern, I have been dealing with my mortgage servicer for the past three years or so in hopes of discovering who the actual holder or beneficiary of my mortgage loan. To date, I have not been successful. I do not believe that PennyMac has been truthful with me and I do not believe they have a legal or proper interest or claim in my property as they have alleged. Over the past month, I realized that my loan transaction was never consummated pursuant to the laws of California due to the fact that my lender, the true source of funds for my loan, was never disclosed to me. Because my loan was never consummated, I understood that I could exercise my rescission rights. On XXXX XXXX, 2015, I faxed and mailed a letter of rescission to PennyMac. PennyMac acknowledged receipt of my letter but has failed to comply with the Federal Truth In Lending Act. Under the Act, if PennyMac wanted to challenge my rescission, they had to have filed a lawsuit within 20 days after receiving my letter of rescission. PennyMac received my letter of rescission on XXXX XXXX, 2015. The twenty day period has long passed and PennyMac has failed to either a file a complaint or comply with the Act. I am filing this complaint because they repeatedly choose to ignore and adhere to state and federal law and I believe they need to face some kind of disciplinary action and to comply with federal and state laws. If nothing is done, I believe they will continue to do what they want and not what the laws states they must do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: DriveTime
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my financed vehicle early (ahead of the loan maturity date) at full non-discounted price, and still not have received my title after a month has passed. I need the title desperately, so I can re-register it in my new state as I recently moved (and my old state registration has lapsed). After 20 Business days and counting, I just learned they (DriveTime) only now released their lien and requested a new title yesterday with the old state I had lived. I am advised this can be a few more weeks before I receive my title which will be multiple months after I paid in full? This is ridiculous mishandling of the closing process especially since I requested it to be expedited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on a home with a VA loan on XXXX XXXX, 2016. My first mortgage payment was due XXXX XXXX, 2016. I paid my mortgage and extra principal early with a check date of XXXX/XXXX/16. The check was cashed by XXXX XXXX on XXXX/XXXX/16. During the time period from XXXX/XXXX/16 to XXXX/XXXX/16 XXXX sold my mortgage to Ditech. Ditech gave me credit for my payment on XXXX/XXXX/16 and not the original date when the check was cashed. I sent in proof information ( bank statement, copy of the check, etc ) through a link Ditech provided to make Ditech give me credit on the date the check was cashed. However, Ditech said I never sent in the information and said that they would not backdate my payment. I paid my mortgage amount of {$1000.00} plus another {$1000.00} for extra principal. I am XXXX years old and have amortized out paying my mortgage in 10 years. So it is important to me that I get credit for the correct date my check was cashed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are have been trying do a loan modification through a loss mitigation application with Green Tree Servicing now Dietech Financial, LLC. since at least XXXX 2015!!! We had a court date with a attorney representing Dietech and a XXXX XXXX courthouse employee on XXXX/XXXX/2015. That meeting ended with an extension until XXXX/XXXX/2015, because we had received via U.S. Mail a request for XXXX more documents of information Dietech needed for the XXXX. time!!! Dietech gave us 30 days to get that information to them and we faxed them all the information before the deadline!!! Instead of Dietech sending me another letter to save time, our last representative during that time frame called me on the phone and told me to refax some of the documents that did not come through to them clearly and that was done that day or the next day at the latest!!! This was confirmed by my Dietech representative via an XXXX minute phone conversation that I generated on XXXX/XXXX/15, because on XXXX/XXXX/15, I received a letter from Dietech, stating that the loss mitigation application that they were reviewing will not be reviewed at this time, because they did not receive all the requested information which they did!!! Dietech continues to stall the loan modification process by telling us that the information that we sent them already had either expired or they did not receive it all which they have, because the faxes went through to the right number!!! This is at least the third time that they have done this since XXXX 2015!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received " robo call '' stating to call " DITECH, A DEBIT COLLECTION AGENCY '' gave me a # to call ... called the # given, " non-working # '' Called # on my caller ID. Phone answered, I asked whom I was speaking w/ & the name of the company. Female on line said " I will not give you any information ... We are trying to contact XXXX or XXXX '', I stated that I was neither of those XXXX. told '' I would be removed from system '' have had similar calls in past stating that I would be removed, only not to be removed. Call I received call from was XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DITECH FINANCIAL LLC applied my payments for XXXX and XXXX to an incorrect account. It took 3 months for us to get them to correct the issue and apply the payment to the correct account. Now it seems they have reported us as 30 days late for the XXXX payment with the credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: ECMC GROUP, INC.
State: MD
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt continues to remain in collection status on my credit when balance has been paid in full.

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 2015-06-19
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent Green Tree a payment for XXXX and XXXX and a late fee for XXXX. Green Tree credited XXXX payment but put the late fee and XXXX payment toward an extra principal payment for XXXX, so now they 've made my XXXX payment late and I have another late fee! I have tried to contact them by phone but it is impossible. No matter which number I call or button I push or what I say to the automated system it ends the same, a robotic voice says " you 've reached an invalid extension " and then it hangs up. Green Tree 's customer service is non existent. Green Tree is evil.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: ECMC GROUP, INC.
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My son acquired a student loan but was unable to finish school. ( attended XXXX out of the XXXX months ) The school collected the entire amount of the loan. He defaulted on his loan and it fell back on me. I attempted to make payments but my wife was not working at the time and all of our bills fell on my shoulders. I contacted XXXX XXXX but they only lowered the monthly amount due by a few dollars. I contacted them again with no result. The loan grew to double the amount from XXXX up to XXXX. I 'm still on my own paying bills and can not afford the amount that they are garnishing from my wages every XXXX weeks. I have not received a raise in XXXX years. All of our medical, dental, vision, homeowners and automotive insurance is taken out of my pay. Water, electric, gas etc is also what I pay each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: CITIBANK, N.A.
State: TX
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I received a Pre-Paid Citi Card ( debit XXXX ) due to a large purchase of a XXXX dishwasher. 

The card was a {$200.00} pre-paid card. I assumed that I could only charge {$200.00} and that would deplete the card to zero. Any additional amount that takes me beyond the {$200.00} limit should be declined. 

However, that is not the case apparently. These pre-paid cards are being sold as a " pre-paid '' card, when in fact you can go negative on your balance. Essentially charging more than the limit you are given. Citi-Prepaid says that this happens if there is a charge pending and another charge hits while the other XXXX is pending. Irrelevant in my opinion. This is fraudulent and should NOT be allowed to happen. 

I had to speak to XXXX different people with XXXX different companies to try to resolve this - Citi Prepaid Customer Support and the " corporate office '' that they transferred me to. I was transferred back and forth, disconnected 3 times, and spoke with XXXX different supervisors. No one could resolve my issue. I have a NEGATIVE balance on my card of {$16.00}. Consumers should be protected from this type of activity. 

This is actually a scam being run my credit card companies and should be stopped.

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 2015-06-12
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have now and have had an account with Paypal since 2008. I have always funded my paypal purchases with my bank account. A little over a year ago I was making a purchase and continously received a pop up for what they were calling paypal credit. I clicked on the link interested in seeing what it was about and to get more information. I was instantly signed up and the payment was made on my behalf utilizing the paypal credit. I attempted to contact someone on several occasions and my emails were either ignored completely or I would receive an email back with their policy copied and pasted but never the opportunity to speak with a representative. Over the next year I continued to utilize paypal unaware that pretty much every purchase that I was making was then being defaulted to the paypal credit. I again tried to reach out to someone in Paypal customer service again I was unsuccessful. I had he funds available and did not want Paypal credit. I do not think that I should have to pay them for this unethical practice to trick its customers into accruing debt. I'd used Paypal for 5+ years prior to this with no issues and had no problem paying from my account. This trick to get people to use their credit and in turn run up debt is sad and should be dealt with immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Synovus Bank
State: NV
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a secure credit card with First Progress Bank and I used to pay some service online, next thing I know is a letter that came on the mail saying that there was some suspicious transaction that they needed to verify and they were going to put an stop on the card until I call to verify. What is my surprised when I call for that issue, the hold period on the phone is 10 min. when they answer they put you on hold for 2-3 min. at the time any time they need to verify what you are telling them and .... if that is not enough after you answer all their interrogatory, they put you on hold one more time and come back and tell me that I needed to send a copy of my SS, ID and XXXX utility bills to verify that is me, so I go ahead and fax the documents out to their fax and when I call to verify they received, hoping that was the end of my night mare ... no the supervisor said that the copy of my ID and SS card were to dark that they could not read it, that I needed to send another. After all this I 've been on the phone for 3 hours with them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX my mortgage company, Ditech, completed my escrow analysis and showed that I had an overage of {$160.00} and that it would be paid out in 5 business days. I have not yet received. I contacted Ditech in XXXX, via phone, and was told they had implemented a new system and it was preventing the checks from being sent out, that it would be sent in 10 business days. I contacted Ditech twice more via phone, every 10 business days and kept getting the same explanation. I have not yet received the overpayment. As I was getting nowhere via phone, I contacted Ditech via their messaging system on XXXX XXXX and again XXXX XXXX in response to the same issue. I have received letters from Ditech stating they are looking into it. Ditech sent me the letter stating they were going to send me a check, I am not sure what they are looking into? 

I have also requested, via their messaging system, that they no longer send me anything regarding refinancing, that due to their inability to process an escrow overage check, I have no interest in refinancing with them. Ditech continues to send these notices. 

I am hoping someone can review this information and get Ditech to issue my overage check and quit mailing me the refinance letters. They have wasted more money on the refinance letters than had they just sent my check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have resided in this home since XXXX, I fell into some financial distress in XXXX after struggling I filed for Chapter XXXX Bankruptcy in XXXX. The Bankruptcy was discharged in XXXX, I continued to pay my mortgage after the discharge. I sought Counseling from an agency to try and obtain a modification of mortgage. I was successful in getting the XXXX of XXXX, to assist me in obtaining a favorable modification of mortgage in XXXX XXXX when the agreement was signed and submitted to Green Tree Servicing. I have Repeatedly submitted my Re-affirmation of the mortgage debt to Green Tree XXXX ( XXXX ) times to be exact and I can not get the servicer to update their records and report favorably to the credit bureaus. I started this quest at the beginning of XXXX we are at the end of XXXX and Green Tree continues to give me the run around. Claiming once they lost the paperwork, I have mailed the re-affirmation including by certified mail. I can not take Green Tree 's lack of acknowledge to continue to destroy my credit profile. I pay my mortgage on time every month and yet I have not been getting any type of compensation for the mishap Green Tree is causing me. I desperately need from CFPB or anyone on my behalf to intervene and enforce Green Tree to Update their systems with the Reaffirmation of the Debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I ' am a seller on eBay so I use PayPal for payment. I sold a XXXX XXXX XXXX handbag on XXXX/XXXX/16 and invoiced the buyer the same day for {$2500.00}, which included adult signature and insurance. The invoice was paid the same day, as the invoice on the invoice was the receipt, the box with the XXXX card. The buyer signed for the package on XXXX/XXXX/16 and I have proof from USPS of signature. The money is released to me but I never transferred to my bank account just online shopped using my PayPal account. Then the buyer wait until XXXX/XXXX/16 stating that she never received the item, which she did on the XXXX, and signed for it why, would she literally 7 days fraud that 's why. I sent PayPal all my info uploaded my usps documents Then on XXXX/XXXX/16 PayPal decided in my favor so they released the money to my account, the buyer and myself received the email as well. Then XXXX/XXXX/16 the buyer then take 7 more days to change her first claim from not received to oh she received it but now its not what she wanted. The first claim was false and the XXXX claim is false then I supported my timeline of events which is extremely a lie so PayPal decided in the buyers favor on XXXX/XXXX/16 this time due to her giving false documents, which she still have my item and they have a - {$2500.00} on my account if anyone read the time lines and my proof you can see how PayPal XXXX the sellers and make it where we are out of money and this go on our credit report. I filed a complaint with the XXXX, and I got a nasty response of basically XXXX it up - {$2500.00} and move on well I 'm not I also filed with the Texas XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello. I received a letter from Green Tree Servicing that my interest rate is being adjusted higher. I have attempted to call them to resolve this situation as I should not have an adjustable interest rate. They have supplied me with documents, but I have not signed them. Green Tree continues to tell me they ca n't access the documents as this mortgage started with XXXX prior mortgage companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: McCalla Raymer Leibert Pierce, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
On or about XXXX 2016 I received a letter in mail from a Mcalla Raymer Pierce, LLC XXXX Attorney for Plaintiff, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Ph. ( XXXX ) XXXX, Email : XXXXXXXXXXXX a debt collection attorney firm. As a consumer I believe i 'm a victim of identity theft.This debt collection company were contacting me to inform me they were suing me to foreclose on an alleged lien ( security interest ) that XXXX BANK claim to possess and now they are entitled to my personal housegoods where i dwell. That was the first i heard of this lawsuit, I have not received anything about a lawsuit from a court. I have looked it up online to find out if they were really are trying to sue and take our family goods away. Yes, there in the court records this debt ( data ) firm had filed a lawsuit, signed by a XXXX XXXX XXXX XXXX XXXX # XXXX. Again i have not given her consent to contact me re : any alleged debt ( data ) nor has she let me know she got permission from a court of competent jurisdiction. I do n't understand how a debt collection co. can represent a client are they an attorney firm or are they debt collectors. That appears like misrepresentation of who they are. I do n't owe any debt to them and i do n't know who they are I did not consent to them contacting me re : any debt ( data ) pursuant to FDCPA. XXXX XXXX XXXX XXXX # XXXX signed the letter that stated i had 30 days to dispute the validity of the debt ( data ) or they would assume it was valid. I disputed within the 30 days and requested lawful verification and validation of proof of claim with original or certified documentation. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2016 stating she received the dispute letter and she had not completed a review or all the research on the lawful demand to complete and send a response to the issues raised. XXXX XXXX stated i will receive a resonse in writing once they have completed all of their research of some alleged file to respond to the verification and validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Ditech Financial LLC
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I filed chapter XXXX bankruptcy in XXXX. At that time I reaffirmed my mortgage with XXXX Company. XXXX sold my loan to XXXX XXXX around XXXX. On XXXX XXXX XXXX XXXX XXXX sold it to Green Tree. I recently noticed that Green Tree is not reporting to the XXXX credit bureaus. The first rep that I spoke with told me they did n't have the reaffirmation papers, the XXXX rep said they have them and transferred me to XXXX rep who told me that I need to reopen a 10 year old bankruptcy and reaffirm the debt with them. I asked to speak with a supervisor and was transferred to a generic voicemail. I have contacted an attorney regarding this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation