BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech sold my loan # XXXX, to XXXX Mortgage, and did not give me notice of the Sale. They deposited my monthly payments and did not forward them to XXXX Mortgage. They have {$5300.00} of my Money, and my credit score has been ruined. Ditech sent me a check for {$1700.00}, one months payment, but no response on the balance of my money. XXXX Mortgage never contacted me and gave notice that they purchased the Loan, prior to sending a negative credit report to the Credit Agencies. XXXX has subsequently sent a letter to the Credit Agencies, but Ditech has failed to accept any responsibility, and sent a letter notifying me of the Sale and my {$1700.00}. I can not keep my Loan current if they do not release the balance of my money which they have misappropriated, which could further ruin my credit and cause me to lose my home. They gave me a supervisors name whom i have left XXXX messages with, and she has not returned my call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Ditech Financial LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My job relocated from XXXX to XXXX. In order to keep my position I accepted the new relocation. I contacted a law firm to assist me with a short sale. I could no longer afford to maintain a mortgage payment and rent at my new location. I sent monthly bank statements and check stubs to the lender to show that my income could not maintain the monthly mortgage payments. I obtained a relator to place my home on the market and received an purchase offer. GreenTree mortgage company drag this process over a year and decided not to agree with a short sale. Green Tree mortgage agent told the law firm that I went to XXXX to often and I could meet my monthly obligation. Green Tree mortgage were unwilling to work with me and drag this process for over a year. I wanted to meet my obligation but I could no longer afford this payment and meet my daily needs. I was trying to maintain my good credit standing by doing a short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I went to make my mortgage payment on XXXX XXXX, 2016 on ditech.com on XXXX XXXX, 2016. My XXXX payment was due and my XXXX payment just came due. I was not able to make a payment for XXXX I was only allowed to make the entire payment for XXXX and XXXX. When I called their number to make the payment no one was available there was only an automated attendant and I was routed to voice mail. I tried to make the XXXX payment with their pay by phone but I was given no option to only pay XXXX, I had to pay the entire amount. I waited until today XXXX XXXX, 2016 at XXXX PST to make my payment and called them. The first call I went through all the prompts and was disconnected. The second time I called I spoke to XXXX, she took my payment for XXXX. I asked her why I was not able to make the XXXX payment on-line and she said because the entire amount was due. We argued about what was due. She said in the future I will only be allowed to pay the amount due on-line I will not be able to make a payment for only past amount due. She also stated they will charge {$19.00} for a phone payment and {$10.00} for an automated phone payment. She was not sure if the automated phone payment would only do a past due amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HelloI have a XXXX mortgage on my home and Green Tree Servicing is the servicing company. It has been a very trying experience from the very start. I requested a XXXX mortgage modification and I was told " we do n't do that '', then they modified it " temporarily ''. I was told that they do n't reduce the principal on XXXX mortgages at all, even thought they are listed on the HAMP website. XXXX I have my payments automatically drafted from my bank account and keep getting letters saying there is a balance. I have never been late on any payment. I called and the representative does n't know why I am getting the letters. I am guessing they do n't process payments I sent in to go to the principal of the loan. The most troubling part is that last week I received a letter from Green Tree stating that my account was put in default and they made a mistake. I work hard to keep a good credit rating and this brought down my rating. I checked my mortgage account online and the balance is still there. Again I call them, they still have no clue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with my lender on a modification and they advised me that they do n't recvieve the docs and i have to refax them 3 or 4 times and now they keep giving me the voicemail and i can never get anyone on the phone to see what 's going on. Please help me to keep my home.

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 2015-08-14
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I bought a house back in 2005 to be my home and fixed according to my family needs ; unfortunable, had to get a XXXX mortgage in order to be aproved by XXXX at tha particular time ; after years of stress and tears with the help of a lawyer and under the HAMP, was able to keep my home and reach an affordable mortgage according to my income ; now my lawyer and the program toll me that the XXXX mortgage will disapear after the modification and that I did not have to worry about anything but paying in time, which I 'm doing, this Comp Green Tree Servicing LLC, after five years is harrasing me and my family ; calling my cellphone and sending me letters in an anoying way for something that is out of my hands ; our lawyer statement is radical ; they new the risk in case off a financial crash and they lose, as simple as that, now they asking me for a credit card to withdraw the money monthly, that does n't to legal, does it?. Thank you for the attention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Ditech Financial LLC
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX of 2016 my wife and I purchased a house. Our mortgage was promptly transferred from our initial borrower to Ditech Financial. Our monthly mortgage payments include money that goes into an escrow account that is to be used for our property taxes twice a year. On XXXX XXXX of 2016 our first property tax payment was due. Ditech failed to make the payment from our escrow account for our property taxes. At first this went unnoticed and in XXXX my wife and I found out that our property taxes were delinquent and late fees and penalties had been assessed to our account. My wife called Ditech to get this straightened out and was told that there would be a 14 business day investigation period before Ditech would take any action whatsoever. My wife continued to call Ditech every couple of days during the investigation period to try to get updates ( due to the company 's reliability we felt that follow up was necessary ). Yesterday the investigation period was up and my wife called to see what Ditech had determined and if they were able to make our property tax payment from our escrow account. She was told that our monthly payments did n't include funds for a property tax escrow account, which is incorrect. When my wife asked to speak with a manager or someone who could help figure out our situation the customer service rep hung up the phone on her. So now we are no closer to having our property taxes paid and are still accruing late fees and penalties every additional month the payment is delinquent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
GreenTree-DiTech MortgageI understand if someone needs to leave paperwork at your residence in reference to your mortgage. However, Strangers looking through your windows and taking photos is the worse violation that can be committed. I have notified many because of safety concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX my loan was closed. The loan was closed for less than the full amount ( bank approved short sale ). Several months ago I applied for a construction loan to build a new home. The bank I was working with ran my credit and discovered incorrect information that was reported by the mortgage company of the closed account. The company reported the loan as a foreclosure or repossession in the max delinquency area of the credit report ( reported incorrectly to all XXXX credit agencies ). As a result of this mistake the bank I was working with would not further process my construction loan. On XXXX/XXXX/XXXX I faxed the mortgage company ( Ditech ) a letter stating the above information, and requested that they fix the information. A few days later I received a letter from them saying that they received my fax and that I would hear a response from them within thirty days. I never received a written response as to a resolution. On XXXX/XXXX/XXXX, I called Ditech and spoke to a representative and they told me they had until XXXX/XXXX/XXXX to correct the issue. On XXXX/XXXX/XXXX, I called Ditech again and spoke to XXXX different representatives. One said I should expect to wait another month for a resolution, and the other said I should have something back within three to four days. I never heard anything from Ditech. On XXXX/XXXX/XXXX, I received an almost identical letter saying they were still investigating the matter. On XXXX/XXXX/XXXX, I called Ditech again and asked to speak with a supervisor. I spoke with XXXX ( ext. XXXX ) she said she would reach out to the department who handles this type of matter and call me back. I have never heard anything back from Ditech. My bank has since provided me with an exception and approved my construction loan, but said I needed to fix my credit report before I would be able to refinance my construction loan into a conventional loan at the conclusion of construction. Ditech has been absolutely unreasonable in fixing this issue. They are in violation of the fair correct reporting act which specifically says they have thirty days to correct their mistake. They have not. Please assist me in fixing the incorrect information on my credit report that was incorrectly reported by Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called them and they said that my social security number does not match the account, then they told me that the account is not in there system.the person told me that I 'm no way tied to this at all since my social security number does not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Ditech Financial LLC
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I almost lost my home due to foreclosure. I applied for a modification threw XXXX XXXX. My XXXX mortgage. Then they sold to XXXX XXXX XXXX during the process. Fee 's were tacked on from lawyer Fee 's to administration Fee 's as well as a higher interest rate. My XXXX mortgage followed suit, Green tree. Green Tree bought my XXXX mortgage from XXXX XXXX. After fighting with XXXX XXXX XXXX for years I contacted HUD urban housing in XXXX N.H., XXXX XXXX was my contact. Around XX/XX/XXXX he got me a new loan modification threw XXXX XXXX XXXX threw the HAMP program. Green tree was supposed to follow suit but did n't. They have given me the run around for years and caused my credit problems to late payments of my XXXX mortgage. My original XXXX mortgage was {$400.00} a month. My current XXXX mortgage payment is {$770.00} at 9.25 % interest under there modification payment and interest doubled. Also the principle increased. They insist it is not there fault and XXXX XXXX is the lender. I have contacted XXXX XXXX and they are NOT the lender. Green tree also just became Ditch. Any help or would be appreciated. 
XXXX N.H.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid our XXXX XXXX payment to Ditech financial and they applied it to our escrow acct. 
We have been getting late notices and late fees and we have called numerous times and they said it 's there fault and a service request has been submitted but there far behind so it will take about a week. Well I call every week and I get the same song and dance. Now today I received a letter from a collection agency stating that they want that payment and late fees! 
I am at my wits end with this company they are going to ruin our credit!! 
There is no one else to speak to when I ask for a supervisor to try to go higher up. 
I just want my payment to be taken from escrow and applied where it should have been applied this company is a joke.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified on XX/XX/XXXX about a credit inquiry made in my name for Bank of America. I called XXXX  and they made a request to remove this from my credit. I contacted Bank of America to dispute this inquiry. They said they had no record but would get back to me. Two days later I received a text welcoming me to Bank of America. I called them again and there was an account made with a credit line of {$22000.00}. I closed the account and made a report requesting this be removed and I that I would receive the information for the online account that had already changed the address to receive the card. Today I received a letter from Bank of America that they verified my account and they would not be moving forward with my request and the case is closed.

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
Consumer complaint received 2015-12-26
Company: CITIBANK, N.A.
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife ( XXXX XXXX ) and I were having e-mail communication with our lawyer XXXX XXXX, ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. # XXXX, XXXX , NY XXXX. XXXX ) ). At that time we were discussing bringing to him a check for deposit into an escrow account in order to secure a house purchase contract. Seamlessly and immediately after the deposit instructions, we got an e-mail allegedly from XXXX XXXX asking us to wire the money instead to -- Bank : XXXX XXXX XXXX XXXX Address : XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXX Beneficiary : XXXX XXXX XXXX Co Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX Account no : XXXX. 

Since we had been having smooth e-mail communication with our lawyer for days throughout this real estate transaction we felt comfortable complying with that request. Fortunately, fifteen minutes later, my wife saw our lawyer, XXXX XXXX, ( who she works for part time. ) He said that the request did n't come from him!!. Learning this, she went back to the bank ( Citibank, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX ) as soon as she could to cancel the wire transfer. All this occurred within a half hour.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Rewards

Complaint:
I booked a flight on XXXX. After I put in all my information, a window came up offering me XXXX bonus miles after qualifying purchases. I applied for the card based upon their offer SPECIFICALLY to me. I complied with their qualifying purchases. I did not receive the bonus miles as they have a policy of not rewarding cardholders who opened or closed an account within 24 months. I do not remember reading such a qualification when I applied for the card or I certainly would not have completed the process. IF such a qualification appeared at all, it was not prominently displayed as was their offer. Citi is linked to XXXX as every time I make a purchase with Citi my mileage account at XXXX is credited. They should not make such a bold offer to me after I enter all my contact info if I do not qualify for the offer!

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 2015-09-01
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citibank Best Buy Credit Card will not stop harassing me. I do not even have this credit card. The Best Buy automated calling machine has now left about XXXX messages on my home phone. The messages ask me to call XXXX. I called this number and asked them to stop calling. I confirmed that I am not the person they are looking for, gave them my number and they assured me it will be removed from their computer. The calls stop for about a week and then resume again. After XXXX unsuccessful attempts to get them to stop calling I am contacting you hoping that you can make them stop. Please help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
DEBT WAS SOLD AND COLLECTION agency SETTLED DEBT AND NOW MACY 'S NOT REMOVING DEBT AND STATING THEY HAVE NO INTEREST IN ACCOUNT, BUT STILL NOT REMOVING AND OR NOT TALKING TO ME. DEBT ALSO WAS LIST AS IDENTITY THIEFT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
I was looking at " pending transactions '' on my smart phone and web browser and noticed that a transaction from XXXX XXXX, for a hotel stay, was still in pending status. I contacted the general number, and wanted more information regarding why it was still pending. The representative and I discussed the pending transactions but the pending transaction for XXXX was not on the company 's list. Meaning on all of my devices I see the " pending charge '' for {$100.00} for XXXX XXXX XXXX, but this is not on Citi 's system. During our conversation, the rep also mentioned a " pending charge '' from Best Buy for around {$700.00} which is not on my list of " pending charges ''. 

I am greatly confused regarding the difference between what consumers see as " pending charges '' versus what Citi sees as " pending charges ''. This also brings confusion to what actually my current balance and available credit limits are.

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 2017-02-15
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am an Obligor on XXXX student loans taken out by my son. These loans have always been current. We make a payment to my son every month and he pays the loan ( depending on his cash flow he will contribute an amount to the loan payment ). Yesterday ( XXXX/XXXX/17 ) I pulled my credit report and found that it had dropped by XXXX points due to a delinquency on these XXXX loans ( 90 days past due ). I immediately called the servicer " FedLoan Servicing '' and cured the delinquency. I was very upset that I was not notified that the loans were ever late. Furthermore, I explained that I am a XXXX and that my XXXX Employment could be negatively impacted by their negligence to contact me regarding the delinquency and subsequent reporting to the credit bureau. They accepted my payment too cure the loan but appear to be unhelpful in resolving the credit dispute until I write a dispute letter. HERE IS MY ISSUE : They have a legal and moral obligation to rectify this matter with the credit bureaus. They failed to notify me, thus I was never given the opportunity to cure.

Company response to consumer: Closed with explanation