BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been approved for loan modification in XXXX XXXX 2016 through Ditech.com. 
They put me on a trail loan modification in XXXX 2016 and told me to " keep paying the trail period of {$1500.00} till till the final loan modification papers come to me and I sign it. '' Now my credit reports say I have negatives mortgage late payment since XXXX 2016. 
Ditech customer service say that " it will go away once I receive my final loan modification papers and I sign them. '' NOTE : I have been approved on the modification in XXXX XXXX, 2016 and this modification started in XXXX 2016. 
I keep calling them every month and it keeps being pushed back. Why if it 's been approved in XXXX XXXX? And it is building up my negatives on my credit reports. 
Please advise of what can be done about them not sending me final modification papers from Ditech after so many call to them and many months of waiting. 

They have actually killed all other mortgage options that are available to me. 

Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage was suddenly sold from XXXX to Greentree mortgage services XX/XX/2013. We were n't notified of this or any changes until after the barraging phone calls started when we were 1 week late on our mortgage payment. I had just been put out on XXXX from a XXXX, and was formerly the main wage earner for our family. My husband had just started a new lower paying job after not working in this bad economy for over 2 years. His pay was sustaining utilities and food only. I was involved in a workplace lawsuit, and was having a hard time getting any benefits or payments established. I communicated this to Greentrees representatives who were very angry and harassing. We were receiving phone calls up to ten times a day, with threats of jail, them sending the sheriff to just take our home, they threatened to attach wages and take money from our bank account. Their representatives were even bold enough to speak to, threaten and scare our children. They spoke with threats of taking everything we own away. It got so bad at one point a lady told me that they did not have to go through the legal processes, and did not have to notify us, that we 'd just be thrown on the street and homeless! My children are very scared, and now have severe panic attacks. At one point after a phone call from a nasty representative, I was rushed to XXXX and treated for XXXX ... ( XXXX ) I was advised by my doctor to send a cease and desist letter to stop them from calling. I sent one certified letter but still continued to call and question the ability to correct and mitigate my mortgage situation. I was told each and every time that my excuses were unacceptable, and we could n't be helped. We at one point received a mitigation relief package from them, filled it out, then months later received a letter stating that we were delinquent on making payment to mitigate our situation, and therefore unable to receive help, when we were never notified of any mitigation? I kept in contact, despite their threats. I received pre foreclosure letters, but never anything on how we could be helped. We considered bankruptcy, but were told for chapter XXXX, I needed to have a job. I went through several rigorous appeals with unemployment. I now recently picked up a part time job, and tried to notify Greentree again, and received a letter from DiTech. It 's not clear if they are our new mortgage service. They are asking me to honor our obligation, but now I found out that Greentree just settled a lawsuit for exactly the same issues and harrasments my family endured. I need your help to be included in that lawsuit. I 'm formally documenting our harassment by Greentree in this complaint, and would like to make sure we have no further problems with Greentree

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Eagle Home Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For several months, bills from Universal American Mortgage Co., LLC have been delivered to the attention of the deceased prior owner of a condo I purchased in foreclosure from XXXX XXXX in XXXX 2015. Today XXXX addressed to me arrived, claiming I owed a balance of {$7100.00}. Contact with the company revealed that they had no documentation supporting their supposed " deed loan ''. My review of the closing documents failed to reveal any disclosure of such a loan. I have no intention of paying this loan and am concerned that my credit record will be affected negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was two months behind on my mortgage. I did not make a payment for the month of XXXX or XXXX. However, I made my payment on XXXX XXXX, 2015, in the amount of {$3700.00}, which included late fees. Since I was two months late, I have no problems paying the penalty. However, I refuse to pay a late fee, when I am not late with my mortgage payment. I received my XXXX 2015 bill with a late payment XXXX in the amount of {$42.00}, for my XXXX payment. I made my full payment of the entire mortgage that was owe. Per my mortgage contact, I have a 15 day grace period in which to make my payment, before it is considered late. Making my mortgage payment on XXXX XXXX 2015 is not considered late per my mortgage contact, when in fact, my payment included all of my late charges for the month of XXXX and XXXX. Like I have stated in the past, I will not make my payment until I have to, which is on the XXXX day of each month. If I pay after the XXXX, its on me and I will pay the late fee. I am not going to pay late fees when in fact, I have not made a late payment. 
Additionally, I am receiving harassing telephone calls everyday at least XXXX or XXXX times per day and no one leaves a message. I refuse to be harassed by telephone calls. If the calls are important leave a message and I will return the call, otherwise, I want the harassing telephone calls to cease and desist as the calls are to annoy and harass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/15 I called Green Tree Servicing to ask them questions about my account when they transferred me to my account specialist who was in charge of screaming belittling me and asking me why I had not paid for my XXXX XXXX. I have an entire month to pay for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home was sold to the mortgage company Ditech. Right from the start we had problem with them, trying to set up automatic payments or even making a payment at all, but the real problems started when we sold our home. We were told when we closed on our home to expect a escrow refund check within 20 days of closing. Several days past the 20 day mark we still did not have a check. We called in and they told us to wait till next week. We finally got our check and put it in the bank. Our bank later called to let us know that Ditech cancelled the check and they had to charge us a fee. We called Ditech who told us that they would re-issue a check and to expect it by XXXX XXXX. XXXX XXXX came and still no check. We called in again and the person we talked to stated there was never a check re issued. We were told we needed to prove that the check was cancelled and to send them a copy of our bank statement showing the cancelled check. She said that once we sent that in they would be able to direct deposit the money back in and we would hear within 24 hrs on the status of our refund. 3 days went by and we still had not heard anything. We called in again, this time the representative informed us that they do not do direct deposits and that they would have to re issue the check and send it in the mail but that they would need to get back to us and they should know something within 24 hrs. We still did not hear from them. We called in again and Each and every time we call in we have to speak to a new person and try and explain the situation, and each and every time we are told conflicting information which always gets us no where and ends with " we will get back to you in 24 hrs '' to which of course we never hear anything. We have spoken to probably 7 different people all promising to get back to us and have never received a phone call or any information back. This is over {$3000.00} of our money that was supposed to be given to us 2 months ago. This is beyond frustrating and we are not sure what else to do to get our money that we need to put down on our next home. It has now been 3 months since closing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
***THIS IS A NEW CLAIM. *** On XXXX XXXX, 2015, I received an automated call requesting that I return their call. When I immediately returned the call, it was National Credit Adjusters. I believe this call is in violation of the Telephone Consumer Protection Act and/or the Fair Debt Collection Practices Act. I immediately called the number given on recording. I explained that I have a complaint against the company and will not settle the debt until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received notification of newly added collections account on XXXX XXXX from Midwest Recovery stating that I owed {$1300.00} to fictious original creditor XXXX XXXX XXXX XXXX. The account was opened with Midwest recovery XXXX XXXX does n't even include the original date they claim I received a pay day loan from the fictious XXXX XXXX XXXX XXXX company. Never once did I receive any written communication requesting that I confirm the debt in question. If the debt or account truly accurate my current address should have been in the file when transferred to Midwest Recovery for collections. I 'm more concerned that this another fraudulent account due to the theft of my identity in XXXX. This new claim has been posted on all three credit bureaus and has significantly dropped my fico score. Until then I will continue to dispute this company and how they conduct business illegally. They have violated the FCPA with there illegal reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
At XXXX eastern time on XXXX/XXXX/16 I had a missed call from a XXXX. I returned this call at XXXX ( call lasted for a total of 2 minutes ). My call was answered by a clerk who answered the phone with " XXXX ''. Than she than confirmed my name and mentioned that she would connect me with the person who called me. Upon transferring my call the person who originally tried to call me, he asked me if I was ( NAME DELETED ) and wanted me to verify my address. I asked who was calling and after the 4th time of me asking he replied with " XXXX ''. I said XXXX why are you calling me and he said for " Personal Business '' and I asked several times about what " Personal Business '' and he tried to get me to verify my address again without answering my question. I asked who he was calling on behalf of and he said " XXXX ''. I than declined to answer his question about my address since he would not inform me the nature of his call after I made several attempts to and than I hung up. I looked up the phone number that called me and it was listed as a " XXXX ''. 
He never informed me that he was calling on behalf of a collection agency nor did he inform me that any information verified can be used against me for debt collection purposes- I believe this would be referred to as mini-miranda rights. I have never heard from this company before and I wish to make this a complaint against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: American Accounts & Advisers, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was behind on my student loan and was being threatened to be sued. I would try to pay them when I had money but if it was not what they wanted they would not except my payment and they would harass me calling every day 5-6 times a day. Then they called me to work out a deal I had to pay them XXXX $ up front then a XXXX $ a month with an interest rate of .3 percent. They send me a bill by mail telling me there taking out the money every month but there was no information about the loan on the paperwork besides how much I owe them. I went online to look at my account almost 2 years later because I felt like the total should have been a lot lower at that point and realized they never dropped my interest rate and the whole time I was paying 8 % I fault with them for months about giving me back my money or taking it off my loan called hundreds of times they would n't call back then finally they said they fixed it but they did n't they owed me almost XXXX $ and when they sent me my total in the mail it was not XXXX $ less. They kept stateing I was figuring out the numbers wrong but at one point one of the members from there team even stated that they owe me almost XXXX $ dollars but they said they were wrong! I still have not seen it fixed and they refuse to fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX however XXXX will not remove the collection because they keep telling me the Collection agency needs to tell them the debt was paid to the original creditor. The Collections agency refuses to do so even after I sent XXXX with a copy of the payment to them. XXXX has not given me a receipt they tell me that my money orders are a receipt but No I want a receipt on XXXX letterhead stating amount is paid in full. XXXX told me I am no longer on their do not rent list I do not care, I want my receipt. XXXX or Transworld Systems need to inform XXXX that I DO NOT owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I paid my Mortgage in full. I followed all of the banks processes and procedures to satisfy this loan. Since that time, I have been waiting for the final documentation from this bank showing that the loan has been paid in full and the lien has been removed from my deed. I have made a number of calls to their customer service department and have been told, both by phone and by letter, I would be receiving the documentation soon. My most recent call was made on XXXX XXXX, 2015 where I was advised that the issue is being escalated and I would be contacted within a week to advise me of the status. I have not. I want all the final documentation showing the Morgage has been satisfied and a copy of my deed showing the lien has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This collector, XXXX XXXX XXXX, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Asset Management Outsourcing, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
nationwide Recovery services was removed from my XXXX report because i disputed it now they have added XXXX accounts back on my report which were the same ones i disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Mission Financial Services Corporation
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Well my complain is with a financial institution called mission financial a dealer named XXXX based in XXXX, AL sold a 2007 freightliner truck to me and mission financial finance the truck which I made a down payment of XXXX and I started with a tile processing error by their rep which took about 3 to 4 months before that issue was resolved then after I register the truck and start to work after a month and half the truckbroke down which I tried to repair it spend XXXX on it and it was still not fixed did not miss a payment till the truck broke down less than 30days and they forced and repo the truck which they have repair loan programm but refused to offer me any assistance which end up me losing about XXXX which I think it 's just a bad way of financing I worked had to get the truck and end up losing now am back to square 1 again they could have help me get my truck back to work instead they took it and left me a poor layman suffering please I think the consumer agency should look into their practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: FMS Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX old, expired checks from a jobs training program were cashed by a a XXXX branch. XXXX checks had been voided and they clearly stated in bold, black lettering that they were " VOID AFTER 90 DAYS. '' XXXX hired FMS, Inc. to collect the debt. Their agent called the XXXX office shouting, demanding money, claiming I was violating the law by not giving it to her. She refused to acknowledge that XXXX was in error by trying to collect on checks they should not have cashed. She refused to provide any proof that they had even cashed checks. She simply ordered me to pay her and then threatened me when I asked for proof of her assertions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Threatens to collect the debt using XXXX fraud department tactics and possibly legal action or XXXX without debt credit card collection practices, before revealing it to the consumer. Using letters and unable to identify my person and asking to send without faxes my personal social security card license and other forms of identity. Without good reason or cause for harassment as if it is to protect the consul from creating too much unsecured debt.

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 2016-01-07
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Macys continues to call my home every other night at approximately XXXX XXXX to try to collect an alleged miniscule balance on a store credit card plus late fees on late fees on late fees. Because I do not believe I owe the anything, I have asked for documentation of the alleged outstanding balance together with a record of payments I have made. I cancelled the card and because they refused to provide documentation, I filed a prior complaint with your agency requesting documentation and the cessation of the unending phone calls. Macys is dragging its feet in responding to the request for documentation and has now requested an additional 60 days, as you informed me in a recent email status report. 
Meanwhile, the phone calls continue. This complaint is to request relief that the phone calls to my home cease immediately pending resolution on this disputed debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation