BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-10
Company: CL Holdings LLC
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, RI XXXX JEFFCAPSYS XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2800.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: Fradkin & Weber PA
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
XXXX, XXXX XXXX XXXX Is garnishing my wages without notifying me first and without filing the judgment ( if it is accurate-still do n't know if it is ) in the state of XXXX where I reside, per XXXX law. 
The establishment is also in possession of {$100.00} erroneously withheld from my pay on XX/XX/XXXX. My pay was under the federal poverty level guidelines. It is my understanding that XXXX ( payroll processor ) has made several attempts to retrieve the funds and the establishment has not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: American Credit Resolution, Incorporated
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
claiming that they a company called American Credit Resolutions and that they are going to arrest me if i do n't pay. 
I made the mistake of giving them my information. 
The original creditor : XXXX gave them {$200.00} i do n't think there legitXXXX XXXX XXXXAmerican Credit ResolutionsXXXX XXXX, Georgia XXXX is the new number

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-07-27
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has been sending past due notices for almost 2 years, I have provided them with nearly 3 years worth of cancelled checks that prove ALL mortgage payments have been made in full every month. When I call, the representative tells me that yes, they have copies of all the checks and they can see that all payments have been made, and then they forward everything to the accounting department and tell me it will get straightened out and I will receive a letter. Then I receive another notice stating I owe 2 months! This has happened at least 4 times, and I have been dealing with this for almost 2 years. On XXXX/XXXX/16 I spoke with XXXX representatives ( XXXX in XXXX XXXX, we were disconnected during the call ) and XXXX in Missouri when I called back. I told her that I no longer believe anything different will happen when she told me " Yes, I see all the cancelled checks and I will forward this with an email to accounting to get it fixed '' and asked how I can get a face to face meeting with someone who can actually resolve the issue - all she could do was say she is sorry and can forward everything to accounting. I have XXXX loans with the exact same scenario, so I will submit this exact issue under each account number. I would like to note with this loan that on XXXX/XXXX/16 " XXXX '' stated the balance due for XXXX was {$140.00} because the loan payment went up in XXXX 2016. I was so elated that I paid the {$140.00} ( confirmation # XXXX ) and believed my struggle was finally over with this loan. But then on XXXX/XXXX/16 XXXX called and said that I still owed {$15.00} and then the monthly loan payment would be paid in full though XXXX/XXXX/16 with {$900.00} due on XXXX/XXXX/16 - so I sent a check for {$15.00} ( which cleared on XXXX/XXXX/16 ) and I paid {$900.00} for XX/XX/XXXX ( cleared XXXX/XXXX/16 ). Then on XXXX/XXXX/16 I received a statement that said {$1700.00} was due as of XXXX/XXXX/2016!!!!! And then I realized that the Escrow analysis dated XXXX/XXXX/16 ( received AFTER XXXX 's phone call ) states the loan payment is to rise from {$880.00} to {$880.00} as of XXXX/XXXX/16 so where did the {$15.00} increase XXXX quoted on XXXX/XXXX/16 come from?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In early 2013, I enrolled in and enlisted mortgage modification assistance from the XXXX Program in XXXX FL. Throughout the process I completed all steps and requirements ; In late 2013 I accepted the modification deal presented to me. At first glance, the offer represented my needs at the time and I was urged by the XXXX XXXX complete the application and accept the terms. However, upon a closer inspection of the documents presented by CitiMortgage they clearly scream 'predatory lending ' complete with ( 1 ) a first and second mortgage, ( 2 ) a final balloon payment and ( 3 ) loan maturity date extended out to year XXXX. I am horrified at the trap I 've fallen into at this stage of life and returning to the XXXX Agency has not provided any relief - just embarrassment and finger pointing t at me that I accepted the deal and that I have to seek relief and guidance elsewhere. 
I am in much dire straits and distress then ever before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing in response to Ditech Financial LLC 's recent initiated foreclosure action against me. 

This is a rather shocking revelation since I am current on all monthly mortgage payments. After conducting an extensive audit of all mortgage payments to Ditech in XXXX, it was revealed that Ditech was overpaid {$2500.00}. Numerous, certified USPS correspondence mail was sent to Ditech detailing the payment history as well as identifying the overpayment. There was no answer by Ditech. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Ditech was sent Qualified Written Requests in order to conduct an audit of their records. To date, Ditech has not responded, violating their legal obligation under the Real Estate Settlement Procedures Act ( RESPA ). Accordingly, I seek the remedies afforded me under RESPA in the amount of {$2800.00}. 

This is not the only transgression by Ditech. Throughout XXXX & XXXX Ditech has been : Misapplying my mortgage payments to the wrong account. 
Failing to renew my Homeowners Insurance on the property and instead initiating a " forced-place '' policy that only paid the balance on the mortgage and did nothing towards replacement of the dwelling or other personal property destroyed or damaged. Such activity violates state and federal laws, including the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX A recent case against XXXX XXXX XXXX and its mortgage servicing agent, XXXX XXXX XXXX, resulting in a large settlement for the plaintiffs. For reference, this case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida, No XXXX. 
Charging late fees even though I am current on mortgage payments. 
Engaging in coercive collection practices and falsely claiming that certain amounts are due. 
I am in possession of the evidence to prove all of the aforementioned claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Green Tree mortgage which became XXXX ditech. I overpaid my mortgage {$150.00} per month and had a years worth of overpayments in unapplied funds. I called the customer service number and asked this to be transferred to principal or refunded to me. Somehow this triggered me to be in collections ( I never missed a payment, always over paid ). 
This unapplied funds was sent to escrow and none of the XXXX people I spoke to could figure out how to fix this. They had no ide idea how I was in collections while overpaying, I have at this point been calling and calling to have this unapplied funds sent back to me, I am now told it was sent to principle but they are not really sure, I want the money sent back to me as I do not see it anywhere on my account anymore. Customer service has not been taking calls all week and the people who answer the phones are nasty and really incompetent. Please help and warn everyone about this nightmare of a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was transferred from greentree mortgage to ditech. Our mortgage payment is made every month on time thru my bill pay from my bank account. Starting XX/XX/2016 we keep receiving statements showing them not receiving the payments. I have contacted ditech several times trying to straighten this out. I was told the payment was applied to my escrow account and they could not explain why this was happening and assured me this would be corrected and the late fees would be waived because it was not my fault. Every month I contact them several times trying to have this corrected. I am very frustrated and upset with ditech. Can you please help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX we completed a Deed in Lieu on a rental property. We had submitted all the required documents and was paid cash for key. We received a document dated XX/XX/XXXX Deficiency Waiver Agreement. When Green Tree transferred to Ditech we started receiving calls that we were late. I was informed that 3 months after we completed the paper work they went to record the deed and the property had been sold in a tax sale. As of XX/XX/XXXX we started receiving notices from XXXX XXXX XXXX XXXX XXXX about foreclosure. I have made every attempt to resolve this with both the Attorney and Mortgage Company with no resolve

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: 4M Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same 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 2015-04-29
Company: FirstPoint Collection Resources
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My husband received a call that we have been turned over to a collection agency for a medical debt that occurred in 2013. He asked for a statement and told the collection agency that we would be happy to pay as long as we received a statement to verify the debt. He was told they did not have to provide a statement and this would be reported on his credit report. I in turn called them and attempted to have them send me a copy of the debt we reportedly owed but they refused. I have not received any written communication from the collector only a phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to see XXXX XXXX XXXX XXXX in 2013, to get XXXX, on my first visit was the XXXX exam and how much my XXXX would cost me per XXXX. I give them my XXXX insurance card and a voucher of {$120.00} for my XXXX or XXXX. I was told that my exam was {$120.00}, I let the lady at the front desk know she can use my {$120.00} voucher to pay for the exam and XXXX will take care of the remaining balance. I told the doctor I would have to come back for my XXXX, do to money problems. The doctor told me to use the XXXX trials for two weeks to see if I would be happy with them. Once my two week was up, I went back to order the XXXX that 's when I was told I had a outstanding balance. Of which I never received any XXXX nor XXXX from them, I only received an exam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been processing a short sale for a client who has a mortgage through Ditech Loan Servicing ( FKA Green Tree Servicing ) since XXXX. The original offer started out at {$420000.00} and it was not accepted because the lender was not taking into consideration the effect that structural issues & damage has on the value. The home is sinking into the ground and into the lake that it is on. We have provided Ditech with several full appraisals, engineer 's reports & repair bids to substantiate this. We have had several offers since XXXX, each time lower than the last due to these issues AND this home can not qualify for any type of financing and can only be purchase with a cash buyer who is able to make the necessary repairs. Each time Ditech rejected the offers no matter what supporting information was provided. This brings us to XXXX XXXX. An offer was received for {$300000.00} after the potential buyer completed an appraisal of his own to determine what a viable offer would be ( he made the offer at full appraisal value of {$300000.00} ). Ditech did an appraisal which resulted in a value of {$330000.00} and rejected the offer. We were able to find another buyer at {$330000.00} and submitted the offer to Ditech on XXXX/XXXX/XXXX. Ditech has since done another appraisal and is now saying that in a span of less than 3 months, the appraised value has increased to over {$430000.00} and they will not be considering the current offer of {$330000.00}. They have no explanation as to the differing values and will not even discuss this any further. No one will speak with us and the assigned representative does not respond tocalls or emails as we have been trying to reach him since the offer was submitted on XXXX/XXXX/XXXX. In addition to this, Ditech throws out any documents on file once an offer is rejected, so each time a new offer is submitted, a completely new application package and all supporting documents ( such as divorce information which does not expire ) have to be resubmitted. This is extremely frustrating to the borrowers, yet they have complied with each request. Ditech has rejected several viable offers which were supported by appraisals, repair bids, engineer 's reports etc and they are moving forward with the foreclosure when the borrowers have done everything to comply with the short sale process requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested a loan modification from Green Tree XXXX GT ), which was processed in 2014. As a result, my interest was lowered, which helped a lot. But for some reason, GT increased my principle on XXXX XXXX, 2014 by XXXX amounts, {$8900.00} and {$1800.00}, a total of {$10000.00} XXXX Attachment XXXX ). I requested an explanation and GT sent some accounting statement which did not make sense to either myself or my modification officer. After numerous calls, GT is not giving any good explanation to those amounts. XXXX explanation I heard was my unpaid mortgage ( I believe I missed three months of {$1600.00} and the other three months were trial payments ( Attachment XXXX ( a, b, c, d ) ). This explanation does not make sense : a ) the amount unpaid is less than half the amount which was added to the principle ; b XXXX part of any mortgage payment is to payoff the principle, why would that also be added to the principle ( instead of reducing it ) ; c XXXX is it even legal to do so? I also had no lapse in property insurance coverage ( Attachment XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: AmeriHome Mortgage Company, LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome has a mortgage under my name in their online system that is not mine. I am not the homeowner. I do not live at the address. I am getting emails about this loan and I cant get the company to remove the loan from my profile online. Please help me as I have no loan with this company. My loan was paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I bought a second home in XXXX with XXXX. 
We filed for Chapter XXXX Bankruptcy in XXXX, but this mortgage was not included. So, we continued to make the payments every month even though this loan had changed hands several times. In XXXX of XXXX, our Chapter XXXX bankruptcy was discharged. Since XXXX of XXXX I have been calling them to see about receiving a regular statement, i.e. showing the principal, escrow, and interest payments, etc. 
I have been calling them at least once a month upon receiving thier statement that does not include any " real '' information. They have told me that there were unapplied funds, that I did not have to make a payment, that they were working on reconciling my account. This month I recieved a " statement '' showing : my payment, an escrow disbursement, and XXXX payment reversals dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I wonder if my payments have gotten mismanaged or who knows?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i made large payments of {$19000.00} and {$120000.00} that were clearly marked as principle only payments. The payments have been misapplied, the new payment has not been adjusted to the correct amount of interest due - instead the company has precharged interest using the larger principle balance that has been reduced. The company has refused to act quickly to resolve the issue. The company ditech has recently within the last 30 days taken over this mortgage from Greentree my previous mortgage company. I need help getting this quickly resolved and penalize the actions of the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Audubon Holdings Group
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX from XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation