BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-20
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying unsuccessfully to submit hardship documents to Ditech 's website. I receive an error message when I try to upload my documents, as well as when I try to submit a message via their messaging center on their website. The error message says to contact Ditech customer service via telephone for assistance, which I refuse to do because they have verbally abused me and lied to me when I spoke to their representatives ( XXXX XXXX and her supervisor, XXXX ) in the past. Please help me. I am simply trying to submit my hardship documents so I can avoid forclosure on this property for the XXXX time, after Ditech previously abused me by delaying their decisions and ultimately denying my XXXX short sale requests, as well as offering me a loan modification in bad faith that they subsequently changed the terms on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Ditech customer service to change the date money for mortgage payment would be debited from my checking. They said, '' Sorry. We need more than 1 day to do that. '' I asked to speak with a supervisor but after numerous attempts the agent admitted that no supervisor was available. I said I would wait and she transferred me to voice mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an issue with Bank of America taking {$70.00} out of my account after it over drafted a small amount for a matter of a few HOURS, not days. I went to the bank immediately to put the funds in. The real issue is that the policy used to be that you would only be charged if money is not added within 5 days and I was not notified of any change to this policy and therefore did not expect a charge. Naturally I try not to overdraft but I have accounts at XXXX banks and I had forgotten to make a transfer. If it were days I would understand and especially if I had been notified of a policy change, but not hours. Also, there was enough money in my savings to cover the amount. The bank used to let you link the accounts for protection and now it does not, so it can take your money. Managing someones account is not an excuse to steal from them anytime you see fit. I will be looking for a new bank immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing a complaint about my mortgage company ditech, I was billed XXXX which was grossly incorrect, so I contacted them. While doing so I encountered a representative that treated me with a discriminatory tone because I am a recipient of assistance with my mortgage. My payments are divided into a percentage that I pay and the remaining is paid by a subsidy. I have not had any issues with my previous mortgage company regarding my payments, but this is the second such incident I have encoutered with my current one. The call I am referring to took place on XXXX XXXX, 2016 at between XXXX XXXX and XXXX XXXX and is recorded by the mortgage company. I was given XXXX different amounts owed during the call and finally the customer service representative said that after running the numbers she could not see where I owed the amounts stated but that it was about {$130.00}. She said she would have to get with her supervisor before she could say for sure. I was told that it was the fact that I get assistance that my statements are n't accurate and that I should n't go by my statements. I asked what other method could I go by to determine my payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is against Green Tree Servicing. While they were the holders of our mortgage note we were having financial difficulties. I tried explaining this issue to them and they would n't hear any of it. They contacted me multiple times daily when I was late with very bad attitudes and abusive language they even contacted my neighbor when I was late and told her that I was late making my payments and left a message with her to call them. My husband and I were mortified, this was truly one of the most embrassing things that has ever happened to us. Not only were we struggling to pay bills, but trying to find a decent paying job in our community which paid a living wage. We felt defeated! We had no choice but to stay with this company since our credit had taken a beating. We are still suffering from the repercussions of the economy, our credit took a beating. We did manage to save our home as well as our vehicles. I have also asked about items that our on the monthly bill and never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
It appears that there is a major flaw in Bank of America software. Intentional or unintential not sure. But a deposit of a Check of Friday, or Saturday would not clear due to the bank holiday on Monday XX/XX/XXXX, would not be processed until Tuesday, which means the funds would be available on XX/XX/XXXX, well Bank of America software does not assume the holiday as it make on the deposit slip and online that the funds would be available on the XX/XX/XXXX but they are not, I understand why but do not understand why they posted wrong. This must happen every holiday causing much issues for people. I out several XXXX dollars and may have XXXX.me getting a mortgage

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 2016-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been receiving harassing, threatening and death threats telephone calls from Bank of America representatives in regards to credit card account and debt of {$780.00} that I do not owe. The account or debt do not belong to me. I am a victim of identity theft.

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 2016-05-11
Company: Ditech Financial LLC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a loan with DiTech Financial that went into collections in 2015. They have sent this loan to a collection agency that now reports this account as a collection account on my credit report as a separate listing. According to the Fair Credit Reporting Act, XXXX different companies can not report the same debt on one 's credit report simultaneously. That is double jeopardy. Since DiTech Financial has transferred this debt to a new entity that is now reporting it on my credit report, DiTech financial should either delete their listing, or update their listing to show the account has been transferred. Currently, DiTech is reporting that my loan with them is actively past due, while the company they transferred it to is reporting it as a collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, i am filing a claim on how my mortgage company green tree treated me, first when my mortgage was transferred to them my my monthly payment went up by {$400.00} without enough explanation, and high late fees, they were very abusive both to me and my wife to an extent i was very stressed out and i lost my job because they harrassed me with non ending phone call from XXXX all day long and leaving voice mail i could not concentrate at work.Green tree used to call me every day for like four years even when i schedule a payment with them, they used to call my job, wife, relatives and leaving voice mails.The employees were very rude to us they threatened to foreclose our house even after we had a scheduled payment on file.I had a recording of one their employee by the name jonny. who called and forgot my phone was still recording and they were discussing their customers payments history in a mean way.Green tree lied to us we could only make a payment using speedpay.They took us through XXXX trying to modify our mortgage because every time we faxed documents they claimed they had not received them it was so bad i was ready to walk out of our house.I will appreciate your response Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a house loan with Greentree now called Ditech but still have ongoing issues. 
If I send more money than my payment and ask it be applied to my principal they just place in other account and it does n't decrease my payment. I have to call each month and ask them to place the funds against my principal. 
I had XXXX loan had so many issues I paid XXXX off. I dont want to pay off this XXXX loan with low interest. But it appears they want to force me to. 
Greentree/ditech should not be alowed to seervice loans. They are costing me money. 
Now XX/XX/XXXX they call me saying I 've not paid my house pauyment but I knew I paid it on XXXX XXXX. When I call back to talk to comeone they claim my account is closed. I try to make the lady understand I had XXXX loans XXXX is closed and the other I pay to. I gave up. 
Then the account manager a rude XXXX lady calls me today XXXX XXXX, 2016 yelling at me that Ive not paid my payment. My balance is XXXX on this loan and the house is worth XXXX.+ She claims to be my account Manager but refuses to allow me a moment to look up my payments on my computer. After she hangs up I look it up and call my bank. I paid {$720.00} on XXXX XXXX, 2016 as always by bill pay no changes made in account information where payments were applied in the past 2 or more years other than diatech added to the name. 
The bank showed that on XXXX XXXX, 2016 that Ditech returned the electronic payment. 
The they call me chewing my XXXX when they refused my payment??? 
This company had issues before changing their name. A name change doesnt change there ability to manage loans. 
This need to be addressed immediately. 
Thank you XXXX XXXX

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 2015-06-01
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am going through a hardship, I applied for a modification ; I was approved for modification on XXXX/XXXX/2015, payments are {$710.00} more than i was paying. 
( total payment is {$3100.00} ). This is not an affordable payment for me, could you please research a longer term loan ( 50 yrs possibly ), AND a principle reduction to the current market value of my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On or around XXXX/XXXX/14 XXXX XXXX XXXX. sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called XXXX three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to J.P Morgan Chase and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took XXXX approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe XXXX XXXX is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
J.P Morgan Chase also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to XXXX XXXX. 
XXXX is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent Equifax a letter on XX/XX/2022 in regards to U.S. DEPT OF XXXX # XXXX This reporting In violation of 15 U.S. Code 1681i ( 5 ) and 15 U.S. Code 1681e ( b ) on account They have still not rectified this issue and come into compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: FBC MORTGAGE, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 'm building a new home XXXX. We have had little issues here and there since day one. A major issue we are having is with the lending company that XXXX uses. There has been several discrepancies to the point where we decide to seek out our own lender to get a better rate. When we spoke with the seller at XXXX he said if we did n't use their title company they would n't pay our closing costs as promised, so we agreed to use the title company along with our chosen lender. We are now days away from closing and they are backing out of their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: SECURITY FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Last month they called my work when they were previously told not to contact my work friends or family. I told them I would file last month but I decided to give them another shot. But this month ... .They called my parents when it was two weeks late! They had not exhausted all means to contact me. They could have mailed a reminder if they were unable to get me by phone. Instead they harrassed and violated my rights for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I opened a new business account in XX/XX/2016 and was offered a bank business credit card with a 0 % interest for 6 months linked to my business account. I had late payments twice but on both occasions paid within one to two weeks of the due dates. 
The interest rate on the credit card was raised to over 27 %.

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 2015-11-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a checking account at Wells Fargo for over ten years. Suddenly two months ago I saw a fee charged to the account. ( {$13.00} or {$15.00} I believe ). I emailed via the Wells Fargo website and inquired about the fee. The reply I received was unclear, it said I did not have the right mix of products and services but the explanation was unclear why my mix was wrong, what I needed to change and what had suddenly changed to initiate this fee. They did refund the fee. I wrote back and asked for clarity and received yet another unclear reply. So I went to my local branch and inquired, the agent told me my accounts looked fine and I must have been charged in error. At this point I believed the problem to be resolved. 
The next month I was charged the fee again. So I contacted Wells Fargo again and they refused to refund the fee this time, and again did not provide a clear explanation. I replied and threatened to move my business and they did finally refund the fee and told me I needed to enroll in mobile banking to not be charged the fee again. So I followed the instructions to enroll and emailed them back to ask if everything was set. I received a reply that it was NOTset and that I was mistakenly told mobile banking was needed. I was told I really needed to call and get an ATM card. At this point my frustration got the best of me and I asked them to close my checking account. They did close my account but the reply mentioned the fee was because they believed I stopped my direct deposit. This was the first time anyone mentioned direct deposit. In fact, I did not stop it, it was on hold because of the season nature of the deposit which comes from real estate rental income. 
I am reporting this complaint because I am very concerned that Wells Fargo has a policy which is confusing and the employees have not been properly trained. Therefore they are unable to communicate the intricacies of the policy to consumers. I imagine someone elderly would not be able to jump through the same hoops I did to get this resolved and may be charged large fees they do not understand. I talked to XXXX different agents and never got the same or a satisfactory response. I will attach the email chain as evidence to this confusing response.

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: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a third party collector to who I told to stop contacting me repeatedly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a XXXX mortgage on a property that had a first mortgage held by Greentree/ Ditech XXXX I forclosed on the XXXX mortgage on XXXX XXXX the foreclosure waswas subject to making payments on the 1st mortgage. I have beenharassed by Ditech debt collectors. I can document that on XXXX occasionsthey received by Fax information from me showing I was the ownerof Record and that I needed information on the mortgage in order tomake the payments. They have never sent me information on thepayment amount/ balance amount etc. The payment amount keepschanging and they call me and tell me I am " late '' in paymentsbecause I did not send in the correct amount.They are adding feesand penalizing me and yet will not give me information on the amountof payment necessary. They harass me constantly by calling severaltimes a day. All they need to do is send me a statement outlining thepayment amount and interest rate and notify me if there is a change. 
The Ditech reps are rude and despite my asking have not sent meany information. I consider them abusive in their practices. I did seewhen I XXXX them that there was a {$48.00} XXXX judgement againstthem for unfair collection practices. If you can suggest a remedy Iwould be glad to try anything at this point. XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am also a victim of Green Treen and Ditech charging {$12.00} for the my mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation