BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-29
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Today, XXXX/XXXX/16 I went on Ditech.com the company who services my loan to make a payment on line and received an error message on each attempt I made to make this payment on-line. The screen error is attached. I then called the XXXX number and was routed to the automatic payment by phone. I again was not able to make a payment by phone. At this point I was router to a customer service rep. the customer service rep. said she would process the payment and stated it would be a {$12.00} convenience fee. I said on the web it was {$10.00} and she then stated this is why it is not working on the web or on the automatic phone. At this point I had wasted XXXX minutes of my morning, I asked for the fee to be waived, she replied no. I asked to speak to a supervisor, they supervisor XXXX said she could not waive the fee either. I said fine I will pay the fee and I am filing a report with the CFPB, magically the fee was then waived. I am not sure if they broke any laws however it is making it difficult for consumers to make payments, based on the fact they offer an on-line payment and pat by phone and neither was working you would think out of common courtesy they would waive the fee until it was fixed, especially because the fees showing on the web and spoke on the phone are different from what they then tell you when you speak to a live person. Not to mention they also got statements out late which on their message when you call in and final XXXX out late as well.

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 with explanation
Consumer complaint received 2015-09-28
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Worked with a counselor found through XXXX ( from XXXX ). She was great. I explained that I had lost my job and that I wanted to see what I could do to not lose my home due to my loss of income. We spoke with Ditech, my mortgage company, and they suggested I fill out and send them XXXX things : a Request for Mortgage Assistance form and a XXXX. I did. Today I finally got through to someone to check on the status and was told that I was denied assistance because I was n't in danger of default. My unemployment income is half of what I was making, and I was barely making ends meet before losing my job. So now I have to file an appeal with more supporting documents, even though they could n't tell me what those documents might be. I 'm trying to get out in front of this thing BEFORE I miss a payment, but they seem only willing to help if I 'm already in trouble. I 've read about companies doing this sort of thing -- denying help until it 's too late, then stalling. I do n't want that to happen to 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 2015-10-14
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an estimated escrow analysis from ditech on XXXX XXXX. I was informed that my monthly mortgage payment would raise {$200.00} to make up for a shortage in my escrow account. Ditech mistakenly had estimated that my property taxes would be paid twice a year and I only pay them once. This led to the " shortage '' and increase in my payment. I called immediately XXXX XXXX XXXX ) to correct the issue and was told that an updated escrow analysis would be completed fixing the mistake. My payments would not change according to the person I spoke to. I called again on XXXX XXXX and was told the issue was not resolved and my correct escrow analysis was never completed. I was also told I would be called back the next day when the issue had been taken care of. I called the next day and was told again that nothing had been done to correct the company 's error. I was then told that they needed 5 business days to fix the escrow analysis and I would be called back when it was finished. I was called on XXXX XXXX and told that the escrow analysis was completed on XXXX XXXX and mailed to me. I needed to call customer service to get the payment amount corrected. When I called customer service, I was told that the escrow analysis still had not been shown as completed and that they had until XXXX XXXX to complete it. I was also told that, at that point, it would be too late to fix my XXXX payment and I would just have to pay that amount. I called again today and was told again that nothing was shown as being adjusted on my account, but that they would request that someone from the tax department would call me tomorrow.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Green Tree Mortgage Servicing company shorted what was due back to me when I refinanced my mortgage. I wrote the company on XXXX XXXX, 2015 requesting a complete accounting of why they feel that what was paid to me was correct. As part of the requested documentation was a complete history of my escrow account as they are claiming that two full months of MIP were owed to them when a statement received from them showed that the XXXX MIP payment was taken out of my escrow account with my XXXX XXXX payment. The payoff was received by Green Tree via wire transfer on XXXX XXXX, 2015. At most, Green Tree is owed 1 month of MIP and they have withheld two full months of MIP from what was due back to me. In their response, they did not provide the requested documentation nor did they fully account for the monies they withheld from my escrow and prepaid interest refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am submitting this Complaint against PHH Mortgage. I sought to refinance my mortgage loan, which they declined after XXXX months of giving me the runaround. 

First, the process extended for approximately XXXX ( XXXX ) months, as they continued to lose documents and request that I send the same documents over and over again. Second, I believe that because the interest rates have risen over the last XXXX months, following the XXXX interest rate increase, PHH improperly denied my application so that the company would not have to stand by the lock in rate that had been guaranteed. 

In the meantime, I have lost the ability to refinance at the lower interest rates and have been harmed by their conduct. 

I initially applied for a refinance loan in XX/XX/XXXX. I sought to finance {$230000.00} XXXX taking {$20000.00} in cash ). They had an appraisal done in XX/XX/XXXX, which came back at {$710000.00}. 

In XX/XX/XXXX I sent back the whole packet with all the paperwork requested. Then there were constant requests for more paperwork, more tax papers, etc. and I constantly had to re-send the same papers over and over that were overlooked or lost. This continued for approximately XXXX months. Over the last few weeks, the underwriters came back with request for more paperwork and documents. 

It appears that some of the considerations and reasons indicated by the underwriters are improper. First, the underwriter notes that my income is XXXX XXXX. Under XXXX XXXX and XXXX XXXX, creditors are supposed to consider XXXX XXXX income and not discount it. 

Second, although Regulation XXXX states that creditors should consider XXXX years of employment, PHH seemed to require that I worked at the same place for XXXX years. That is not appropriate. 

I have been harmed by the delays and the eventual wrongful denial by PHH and seek to be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree mortage open escrow account against our wishes saying we did n't pay some property taxes and we send letter and you had to sign for it with prove that we had paid it They started taking our payment for house and putting into escrow making it look like we did't make our payments. we refinance our loan because of this with another mortage company. Green Tree loan was paid in full and look up on credit report they said we did n't make 2 payment which has hurt our credit score We wish to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We borrowed {$32000.00} twenty years ago from Green Tree Mortgage, I contacted them back in XXXX to see what my pay off is and I was told {$30000.00}. At that time I have requested several times a copy of the contract we signed, and have yet to receive it. I hVe called about once a week asking them where the copy of the contract and they keep shuffling me around operator to operator. Recently they sent me something that was not the contract and it was signed by people that were not there the day we signed, also the Co. That it says is wrong as well. I 'm still getting the runner around in regards to my contract. Please guide me in a direction that I could get some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Complaint Against Green Tree Servicing LLCSee Case # XXXXCOMPAINT HISTORY : My Credit Application was declined XXXX/XXXX/2013, by Green Tree for a XXXX ( New Owner ). ( Still within the 2-year statute of limitations ). 
Green Tree Adverse Decision Letter to me did not provide specific reasons for the decline, as required by law. Their Adverse Letter to my wife and I cited : " E. OTHER - Outstanding credit conditions associated with your loan approval have not been satisfied ''. I had no accounts, past or present, with Green Tree. Green Tree would not reply to my XXXX Certified Letters requesting that they provide specific reasons for decline. 
I submitted a complaint to CFPB, providing support for all the above. Green Tree did reply to the CFPB inquires. You can read their response in the file. Net/Net : Green Tree had the property in their portfolio with the person I was buying the property from. They mistakenly classified my request for a new loan as a refinance request from the existing owner.. Had Green Tree been compliant with the law requiring prompt & specific reason for the decline, and/o, r if they had responded to my XXXX certified letters asking the same, I would have been able to clarify. Since they did not, I was required, after their long delays, to find another lender. I lost XXXX basis points in rate, had to increase my down payment by $ XXXX and go with a 15 year term as opposed to 30 year term they confirmed to offer, subject to credit approval. 
REQUEST : The CFPB did not appear to take much interest in my original complaint. Now, Green Tree has agreed to a $ XXXX Settlement to affected consumers who were the victims of illegal loan servicing and abusive collection practices. Even though I am not one of their customers, the same type of servicing error, caused me the damages, specified above. 
Read the file, you will be amazed. I want to be included in the settlement. 
Oh, not related to the law suit, my wife and I did get a letter from Green Tree this past weekend. Green Tree 's Notification to my wife and I of a security incident that may have compromised all my application information, including social security numbers and other personal data. 

XXXX XXXX XXXX

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

Complaint:
We pay additional principal on our mortgage and designate it as such, as allowed by our mortgage agreement. Ditech, our mortgage servicing company, continues to hold our funds without applying them to principal. This continues in spite of our requests to them to apply our payments as required by the mortgage agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Credit card
Issue: Advertising and marketing

Complaint:
My husband and I currently have an Ally Bank checking and savings account. When Ally Bank announced that it would also have a credit card, it seemed natural and easy to sign up for this card. To start, this card is unrelated to Ally Bank - in fact, XXXX XXXX runs the credit card and they refuse to acknowledge any connection with Ally ( rightfully, because there is no connection ... thus, this is not an " Ally Bank '' credit card ). I feel strongly that their advertising was misleading. 
This card has been nothing more than a headache - they refused to add my husband as a co-applicant ( claiming that he could only be an authorized user ) ; I could not register for online banking and they could n't help me - so all of my transactions have had to be over the phone ; I paid off my card and they withdrew the money from my checking account, but are holding the money for 8 days. Holding my money for 8 days is irritating and unreasonable because, during that time, I am not earning interest on that money ( they are ) and I now can not use this card until the money is cleared. Again, this goes back to the real problem that they are not actually connected to Ally Bank. I contacted them and, due to the hold, they can not allow me to access my credit card account online ( does that even make sense? ) and they can not abrogate the 8 day rule. It 's unreasonable to hold this sum for 8 days and my husband and I will no longer be using this card because it is so incredibly inconvenient. I understand they may be working out the kinks, but I 'm not willing to wait for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft, I have filed a police report, I have an affidavit, someone opened an account with TD Bank USA/Target without my knowledge or consent, I have forwarded all this information numerous times to the creditor and I am being ignored, this account does NOT belong to me! and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Bread Financial Holdings, Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-16
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On my XXXX credit report, There are XXXX collections that were just added to my file that do not belong to me. I have never been contacted by these people. The account owner does not even have the same name as me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-29
Company: Garrison Investment Group
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was at work yesterday and received a phone call from Foundation Finance and I did not give my work number to them, EVER! XXXX at foundation finance admitted to searching for my work number and reaching out to me with out my permission. Several phone call have been made this month to try to collect a payment. I know when I need to make my payment and I also know when my bill will hit my credit report. What I do not like is that they without my permission searched for me and found my work phone number and then admitted to it to me today at XX/XX/2016 at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Express Recovery Services, Inc.
State: UT
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:
Express Recovery is attempting to collect an erroneous debt from me & a new business I have that was not even in existence when this debt was incurred. My new XXXX XXXX XXXX XXXX XXXX has n't done any work/business yet nor do I even have a business licence. I opened this business a month ago and they are claiming I owe something from 2015!. It is absolutely erroneous and they are rude when I call and tell me it is being forwarded to their attorney for collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-09-12
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TDAutoFinance and another company that they employ call me 3 times a day to collect an overdue payment. I have already told one of their representatives that I would be able to make a payment for 15ish days, yet they continue to call me 3 times daily. I consider this to be a very XXXX tactic and I am considering permanently blocking all their numbers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: GREAT LAKES
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Have previously requested to lower monthly payments but have not successfully been able to do so. My monthly payments have only increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
RE : XXXX XXXX ( XXXXXXXXXXXX ) We have multiple complaints regarding this company, but the main one of concern is the use of other parties to contact us on behalf of the company. I personally have sought to find remedy to this issue with the agents that contact us directly, yet have found no resolution, nor have I had any contact regarding this issue since I made a request for more information surrounding our current balance and explanation as to who the third party in question is. 
I was a joint debtor on an auto loan ( acct. # XXXX ) through PFS until we voluntarily surrendered the vehicle XX/XX/XXXX. On XX/XX/XXXX, my husband, XXXX XXXX XXXX, received correspondence from a party named " XXXX XXXX '' via the social media website XXXX regarding the auto loan, asking us to contact XXXX XXXX of PFS. 

XXXX XXXX, a collections representative for PFS, found it acceptable to use a third party unrelated to PFS ( XXXX XXXX ) or ourselves to contact my husband regarding the vehicle on XXXX. I have proof of the correspondence between this party and my husband that I 've only recently discovered. 

We no longer have the car, and have been asking for statements as to how much we owe on the vehicle. We have not received the statements that we have been asking for, and have paid {$300.00} a month since XX/XX/XXXX per an agreement with PFS. According to PFS, we still owe approximately {$8000.00} left on our installment agreement. PFS and its agents are blatantly ignoring all requests for information. 

In addition to this, we also have further documentation that they have previously contacted my husband 's place of employment after being advised not to, which lead to his job security being threatened. He was advised that he would be subject to termination if collection attempts to his HR department continued, and they did for at least 1-2 more additional attempts. 

We are trying to resolve this with the representatives directly, but they have been ignoring my written correspondence altogether. Any assistance I can receive in remedying this issue would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
TD BANK N.A . has continually reported the wrong first date of delinquency to XXXX. They are reporting the date of first delinquency as XXXX 2010. I have disputed this multiple times.

Company response to consumer: Closed with explanation