BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Complaint is in regards to my credit card with Bank of America there was a payment made in XXXX made through and Insurance company that I purchased through Bank of America in the event I had any life changes. The problem is I was just made aware that Bank of America no longer conducts business with them. As result I 'm out of the money that I paid to the insurance company. Well XXXX there was a refund sent to Bank of America on my behalf. Instead of Bank of America sending me the check they applied as a a credit which brought the balance down. No problem right. None for me as well however not only did they bring the balance down they said that is not a payment. Its a credit, I said this is something that I paid monthly and its not like I went to the store and purchased something and than returned it in that case that would be a credit. This service was to be provided for customers in the event they were unable to pay there bill. The issue is Bank of America accepted the payment and than charged me late fees .Closed the account and reported me late to the credit bureaus. I 've made a numerous of attempts to reach out to them and have yet to have this matter resolved recently my wife reached out to your office and a complaint was submitted and we received correspondence from a woman by the name of XXXX XXXX who works with XXXX department of customer care for complaints. Let me start off by saying she was absolutely rude and combative and I hope I never need to deal with her again. She sends us an email stating she wants to resolve this issue please give her a call and than we call her and she is very combative. My wife resubmits a complaint addressing the level of dissatisfaction we received only for the complaint to go back to the same person whom was the one that was being combative. The problem is Bank of America is receiving my money that I work hard for applying to the account and saying there is n't a payment that was n't made because this came from the insurance company. The insurance was again in the event I was unable to pay my bill they would pay it. Although Bank of America no longer does business with this company. The insurance company refunded the consumers some of the money and it was either sent as a check. Bank of America takes my money and than says there is not payment it is a credit. Which cant be a credit because that was a payment made for a service that was never rendered. What Bank of America is doing is stealing. They are charge me a late fee for something that was n't late. Its no different if I have a friend pay my monthly bill. You cant say your applying that payment as credit because someone else paid and that charge me late payments. That is completely unethical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My former mortgage company was bought out by Green Tree. My statements from Green Tree are now about {$300.00} more a month. I have a fixed rate and nothing else has changed. I went to my financial institutions mortgage specialist and he reviewed my disclosure statement from Green Tree. It looks as though Green Tree raised my PMI and is now charging me {$4000.00} a year ( approximately ) for PMI that I have not had on my mortgage for the last 11 years. I feel this is a dishonest charge from them. Furthermore, the mortgage specialist seemed to think it was not a legal tactic to raise the PMI by that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: SUNTRUST BANKS, INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I applied for an auto loan online with XXXX, a Division of SunTrust Bank, via their advertisement on XXXX. They gave me the option to have my personal information forwarded to another bank in the event I was n't approved for their loan ; I denied the option. They did n't approve me for the loan, and made a " hard inquiry '' on my credit report which caused my credit score to go down. I knew my credit score before filling out the application. Why did n't they simply tell me the required credit score so that I could avoid the " hard inquiry ''? I suspect that they want people ( that they are going to deny ) to fill out the application so that they can earn a fee by forwarding their personal information to other banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Other

Complaint:
Bank of America 's credit card processing organization processed a payment from my Bank of America account to make a payment to my XXXX XXXX account on XXXX XXXX. Bank of America lost the payment. I initiated an investigation into the payment that Bank of America lost on XXXX XXXX and was assured, by Bank of America, they would resolve the issue and find the payment they themselves processed. Meanwhile, on XXXX XXXX, the credit card servicing business transitioned to a new provider. As of today, XXXX XXXX, according to XXXX XXXX, the Bank of America rep with whom I spoke, Bank of America : ( a ) refuses to take responsibility for the payment they lost ; and ( b ) refuses to investigate the payment they lost. Bank of America appears to be angry at losing the Fidelity card processing business and now refuses any responsibility for the payment they lost.

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 2016-05-09
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
While this company was called XXXX, I entered into a loan modification trial period that promised a loan modification at the end of a three month trial period, if I met the criteria of the agreement. XXXX, and the end of the three months, then claimed they had not gotten all of the paperwork form me ( which was not true ) and continued to accept modified payments and request documents, over and over, for a period of over two years. After the 25-month trial period, XXXX rejected my loan modification application and claimed I had not paid as agreed. They reasoned that I owed the difference between the modified payment and the contractual payment, and all the arrears, including late fees and legal fees, were due immediately to avoid foreclosure. I asked for a type of work out that could catch me up over time, they refused. They foreclosed, even though I had made every payment in full and on time, and had provided all documents promptly, over and over. At court, XXXX and their attorney from XXXX Law XXXX, did not convince the judge that I had been delinquent, so they introduced last minute evidence, the Collection Notes, which I had not seen, to claim I had not provided documents as they requested. The defense was not allowed to read said documents until the trial was over. After the trial, I read the Collection Notes and found that XXXX and their attorney had not only received the correct documents over and over, but that they made up reasons to reject the documents, ofter making up reasons. I appealed, but the appellate court took the position that the case needed no review. I then put forth a motion to overturn the verdict in the Interest of Justice, because the Plaintiff had lied in court ( please see CFPB complaint # XXXX ). XXXX response was to transfer the servicing to a new company, Ditech. Ditech then moved to set a sale date for my house, even after becoming aware that XXXX had lied in court that even though there was an open motion on the desk of the presiding Judge. 
Please note that XXXX is under Administrative order File No. XXXX. This order was issued because XXXX did these types of things, habitually, to their borrowers.

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 2016-04-21
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
No logical/reasonable reply from Ditech Financial in the last more than 20 weeks has forced me to approach you to get my grievance heard. The detail as follows - My mortgage loan was approved with XXXX XXXX and the first installment started from XXXX/XXXX/XXXX. Everything was going on smoothly till XXXX transferred my account to Ditech Financial in XX/XX/XXXX. In the letter regarding this transfer it was clearly mentioned that there will be no change in my Terms and Conditions with the change of Financial Institution. 

But, from the bill dated XXXX/XXXX/XXXX of Ditech, the payable Principal and Interest do not match. The same was reported to Ditech representative XXXX XXXX ( ID # XXXX ) on XXXX/XXXX/XXXX @ XXXX. She told me that the difference is there and she is referring my case to her manager and I will get a reply within 7 days. 

After getting no reply from Ditech, I filed my complaint online ( which is now removed by the Ditech from the website ). On XXXX/XXXX/XXXX, Ditech replied with some copies of reports explaining that principal and interest portion of the monthly payment is correct. In one of the report, they mentioned deduction under 'Prin Only ENC '. The same was the difference in the payable Principal and Interest amount every month. This amount was never deducted by XXXX ( previous loan provider ). I have prepared an excel sheet clearly showing the same. The same is attached for your perusal. 

Ditech breached the contract by charging this illegal amount every month. This illegal per month amount of around {$1.00} will become {$150.00} by the time I clear my loan. 

After that, every day I received one letter from Ditech informing me that 'Our research has not concluded. The purpose of this letter is to notify you of our ongoing investigation in an effort to provide you with a resolution '. 

On XXXX/XXXX/XXXX, XXXX XXXX, Ditech told me that she is not able to view those documents, so, I should call after 72 hours. 

On XXXX/XXXX/XXXX XXXX XXXX ( XXXX, FL ), Ditech told me that the dispute was closed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I filed my complaint again thru fax and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. 

After getting no reply from Ditech, I sent a reminder message thru fax on XXXX/XXXX/XXXX and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. 

Throughout this correspondence, Ditech never issued a complaint number which can be referred to in future correspondence. 

The deduction of any amount under 'Prin Only ENC ' is completely illegal. Ditech also failed to provide the full description of 'Prin Only ENC '. 

All the documents related to this complaint are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am beyond furious with Ditech. I called my insurance agency per your information to inform them that my homeowners insurance would be escrowed going forward. My insurance company informed me that my policy needs to be paid in full ( {$550.00} ) by XXXX/XXXX/16 or they will cancel my coverage. When I called in to speak with my account rep I was put to voicemail both times. I called in and went to customer service XXXX/XXXX/16 and was informed that everything was set up and both insurance and taxes were escrowed. I called yesterday XX/XX/XXXX to verify this when I did not hear anything from either my agent or Ditech and was told by a customer service rep at Ditech that my insurance was NOT escrowed and I would need to upload or fax in the HOI bill to you for payment. I called back today to verify that the HOI bill/dec page was received and XXXX told me that no, my insurance was not set up to be escrowed. She told me that there was nothing Ditech could do regarding the pending cancellation. She implied that I had not kept up with payments on my insurance and none of this was the responsibility of Ditech. I asked to speak with a supervisor and she said she would 'transfer me to the Insurance Department where someone would tell me exactly what I just told you. '' When she came back on the line after a 5 minute hold she told me that the insurance department said they would not make payment to my insurance company and it was my responsibility. I asked for a supervisor and she said she did not have a supervisor available. I asked to hold and she said she could not put me on hold for a supervisor as she had no supervisor available. I told her that was " XXXX '' and she said she would have to disconnect the call for my using profanity. 

Correct me if I 'm wrong, but the Customer Service department does have supervisors, right? They do answer escalated customer calls, right? And pending insurance cancellation is a serious issue for a customer, correct? 

I work in the mortgage industry and I have made EVERY attempt to resolve this in a professional manner. I am forwarding this message to anyone higher up at Ditech that I can reach and to the CFPB as well as my insurance agent. Please respond to me BY PHONE at XXXX within 24 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to Ditech XX/XX/2016 when XXXX XXXX XXXX became Ditech. I was notified XX/XX/2016 to start making payments to Ditech at their new address. XX/XX/XXXX 's payment had already been sent to XXXX and the check cashed. In XX/XX/XXXX I made all further payments to Ditech. In XX/XX/XXXX I called Ditech to see why I was being charged for Earthquake insurance as we do n't carry that in Texas. Up until this point all I had for a statement each month showed what I paid, there were no statement balances at all shown. I asked about balances and was told I was one month behind. I asked how that could be when I have made every payment each month on time and have my cancelled checks. " XXXX '' said he would look into it and get back to me. Next month I got statement saying I was behind, I called and was told I had n't made XX/XX/XXXX payment, said I did, made it to XXXX, the girl told me to call XXXX to get it straightened out. That 's when I found out DItech WAS XXXX. Called back-long story short, I have called 34 times since XX/XX/XXXX. I talk to someone different each time, no one knows anything, you have to explain again, and they always say, you are late-you must pay-threaten foreclosure. I have had these people lie and say they are managers, I get an extension number each time I call with a name, when you call back, no one knows who you are talking about. I have sent my supporting documents with copies of every months ' cancelled checks 3 times to XXXX different fax numbers they have given me and asked each time that they call and let me know the fax was received and everytime I hear nothing. Now they are saying I am 2 months behind but not one single person I have talked to can give me any idea how that is possible. I have a cancelled check for every month that shows deposited into their acct. I also am paying a huge amount each month to escrow, I have over 3 years worth of taxes and insurance in their acct but they ca n't pay my taxes or insurance on time and I still have n't seen my money back they paid out for earthquake insurance that I do n't have. I have already been down a similar path with XXXX XXXX XXXX. I thought there was supposed to be safe guards put in place that watched these mortgage companies to insure the public was n't getting completely XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received harassing phone calls from Green Tree Representative XXXX XXXX in the beginning of our loan. 
The interest rate with Green Tree is unfair, 12.99 % it is too high. 
I applied for a loan modification, but was denied. 
No payment amount is being applied to the principal balance, we received a letter back XX/XX/XXXX stating we were {$6300.00} past due, I have copies of two payments sent during that time period. Original loan amount {$54000.00}, today it is over {$50000.00} after 16 years. 
I completed bankruptcy XX/XX/XXXX ( including arrears ) but the balance on the loan is still too high. 
I have attached additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have already submitted a complaint against Green Tree ... they since put me on a repayment program, but now are demanding TWO PAYMENTS OR FORECLOSURE, even though I made the first repayment amount before this demand ... .please please stop these people ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
DiTech sent me a special payment reduction offer. The offer required me to submit the paper work before XX/XX/2016. I submitted my paper work by fax on XXXX XXXX and sent a hard copy on XXXX XXXX, 2016. I did not receive the special offer I was promised. It is apparent that DiTech did a " Bait and Switch. '' This company is a, '' FRAUD. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Some months my husband and I became XXXX due to a car crash. We fell on hard times and could not keep up with our payments. Everything fell behind. My husband is still out of work for a XXXX injury but I went back to work as a Per Diem employee. I am still trying to catch up. Ive expressed to this company time and time again that I will try my best to catch up but they will not agree to a hardship. Now they have started calling me four to five times a day like clockwork to ask me for monies I can not give right now. I am being harassed and I would like it to stop. The company is CitiBank ( BestBuy ). The repeated calls started about 2-3 weeks ago at 4-5 times daily. The numbers that call are ( XXXX ) XXXX and ( XXXX ) XXXX.

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 2016-04-05
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received my billing statement dated XXXX/XXXX/2016, and noticed that the property address under the " Account Information '' section of Ditech 's new billing statement format does not include the unit number of the property. This could become a legal issue since the information on Ditech 's billing statement does not reflect accurate information, particularly the property address. I have called them many times in the past, and they were able to correct the " property address '' on their old billing statement format. Now, I have to contact them once again to correct this error. I spoke to XXXX at extension XXXX, and she suggests that I make this complaint once more, because she has no way of correcting it on her side. It is bad enough that Grant/Title Deeds do not show the exact property address even if we trace the document number filed through the County of XXXX. Please help me correct these errors, and hopefully we can start improving our housing record-keeping and eliminate problems completely.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Forced Escrow was placed on my account, on XX/XX/XXXX due to delinquent property taxes not affiliated with my Property Parcel ID. I am requested to terminate all Escrow accounts since my yearly taxes of only XXXX, are paid out of pocket and on time for my XXXX XXXX property and the only property associated with the loan. Advanced funds were distributed to County Tax Office without authorization and taxes for other property owners were disbursed to pay all XXXX properties, which of XXXX are not listed on loan since the properties were divided in XX/XX/XXXX. I have repeatedly faxed all county documentation Ditech requested, emailed, called and spoken to different depts., notices mail to be stating the issue is being investigated within 30 days and nothing done, now my escrow account is over {$6000.00}, causing my monthly mortgage payment to be outrages and I demanded they correct this asap nothing to pay for XXXX other properties that do not belong to me.

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