BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-04
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I submitted a loan application to Ditech Financial LLC, which is my current loan provider. I have a 30 year fixed rate loan at a 4.375 %. Based on my credit score, they informed me that I was eligible for a 30 year fixed rate loan at a 3.75 % interest rate ( APR 3.8 % ). I began the process of submitting all of the paperwork, and I was responsive within 24 hours to each of their requests. 

Even though my income has increased every year since the initial loan was made, they denied my loan application. After following up with my loan officer to explain that my income had increased every year, that I had provided all documentation substantiating that fact, and that I did not feel that the process was handled fairly, he wrote the following to me : If this is OK with you, I would like to take a new application and submit a completely new package to underwriting with all of the information completed and together. I believe we will have a greater chance of approval by doing this. The numbers look ok to me and I believe with a new package and a new underwriter looking at the file it will become approved. how does this sound to you? Please let me know if this is ok and I will rework everything and get you out the new paperwork today. I have been out for about a week so I am very behind and I am trying to get caught up. Not avoiding your call just on XXXX phone call then another. Please advise as I would like to do nothing more then to get your loan approved. 

When I inquired about the interest rate that I would be eligible for if I reapplied, and he stated that it would be a 4.5 % interest rate ( 4.79 APR ), which is higher than my current rate, and he falsely stated that this refinancing would save me money : That rate that we had on the old loan expired on XXXX, so we can not transfer that over to the new loan. Today 's current rate on a 30 year fixed rate is about 4.5 %, I would have to go in and make your new application to get the exact rate. But for an estimate a {$350000.00} loan with a 4.5 % interest rate ( 4.79APR ) makes the payment {$1800.00} which would save you {$21.00} per month. 

Given that this would be a new 30 year loan at a higher rate than I am currently under with the same provider, this information provided to me is false. I do not feel that the underwriting process was handled appropriately by Ditech Financial LLC and wish for the company to review my full income for a 30 year fixed rate refinancing at a 3.75 % interest rate ( APR 3.8 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just went through a lengthy loss mitigation lawsuit with Green Tree Servicing. We each had attorneys and once the paperwork started moving, we came to an agreement. I made the XXXX XXXX payments as promised, beginning in XXXX of 2015. The next payments XXXX XXXX and XXXX XXXX were for the same amount. I have all payments sent automatically by my bank so there is no problem and there was none -- until I received the statement for XXXX. There are charges on there that were never mentioned in the agreement. One of them is in the amount {$2100.00}, which was supposed to be a forbearance in interest charges. That was outlined in our agreement. The other is for {$5.00}, which was never mentioned in the agreement and they tell me it is for attorneys fees totaling {$53.00}. They are going to charge XXXX payments of the {$5.00} for that, beginning with the XXXX payment. When I asked " XXXX '' why did I see the {$2100.00}, since that was a forbearance amount, he stated that it was for back interest and I would be charged for that later (? ). When I asked again, he said " I ca n't answer anymore questions, do you want the fax # to write your letter directly? '' What I am looking for is that my agreement be honored ( as I have made good faith payments as promised ) and that Green Tree does not add their bogus fees to my mortgage payments. It is not right and will not go away without intervention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Ditech on a Deed in Lieu of Foreclosure on my property and throughout the whole process the last XXXX7 weeks was under the impression that we were working on a XXXX application and that I would qualify for relocation assistance and now they are telling me in the final steps of the process that I never qualified for that process but wont tell me why. Now they are saying any relocation assistance offered to me was on their behalf and that the home was not left clean enough for them and they wo n't be giving me all of the money I was told I would get because they are going to be paying someone to clear the property. I feel completely misled and swindled by this company. No one cared to mention to me in the past 6 weeks that I did n't qualify for the XXXX program for whatever reason and now that they 've changed the locks on our house and had me sign all the paperwork they are telling me they wont give me the relocation money at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt owed to XXXX, but the collections agency, Rash Curtis, continues to harass me, calling during work hours and trying to get interest on the already paid debt to XXXX. I have an email from XXXX attesting to the fact I have paid my debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech ( formerly Greentree Servicing ) holds the second mortgage on my home. I have never missed a payment, nor been late on a payment in 8 years. Recently with the acquisition/merger, the ability to view the account ledger to show the activity and payment processing has been made available. In this balance sheet, it was noted that the payment was not being properly applied on the date of payment. The payment is still processed manually with a paper payment sheet, paid by check and sent by USPS first class mail monthly. The payment stub XXXX spaces for the customer to complete : Total Enclosed Dollar Amount, and Extra Amount to Principal. With each payment made, an additional amount toward the principal is always sent ( even though the mortgage is an interest only loan ). The appropriate amount ( overage ) is entered into the 'Extra Amount to Principal ' box with each payment, and is calculated by using the Total Payment Due subtracted from the total amount enclosed, where the payment amount due is the interest amount due for the monthly payment. Dating back to at least the XXXX quarter XX/XX/XXXX, the misappropriation of funds has been occurring resulting in turn having to expend considerable time each month calling the mortgage servicing company, to have the statements corrected. This was XXXX noticed though, only in XX/XX/XXXX, during that time the misappropriation of funds during XXXX quarters summed approximately {$2500.00} dollars above and beyond the required total payment due ( which all should have been applied properly to the Principal amount outstanding on the mortgage ). At times a delay of up to 72 days forward accrual can be seen on the accounting register ( meaning that a payment of principal in the amount of {$250.00} with a transaction date of XXXX will show an effective date of XXXX ). With an Actuarial type interest rate of 9.5 % the cost overrun which I am overcharged, just for this XXXX occurrence averages approximately {$3.00} per month, that the non-applied principal monies remain in flux. In essence, an over-payment in the amount of no less than {$27.00} has been made in the favor of the servicing company, which is unaccounted for funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Green Tree modified my XXXX FHA loan. My XXXX mortgage statement reflects an increase of my monthly payment {$140.00} of " Total Fees & Charges. Upon my inquire, Green Tree tells me these are " legal corporate advances ''. I told them nowhere on the permanent modified mortgage is their language to these fees. Green Tree tells me I have to pay them for the next few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current Mortgage holder sent me an Escrow Analysis Statement in XXXX 2016. On the form, after review, I found countless errors in the statement. I called the Mortgage holder and they agreed there were errors, and they sent me a revised statement, that still contained errors. At this point, they refuse to do another analysis claiming that their numbers are correct. I spoke to a supervisor and she refused to honor my request for another look into the statement. Currently my mortgage contract states that 2 months of escrow may be held in reserve. The are asking for {$60.00} additional to supplement the " projected '' low balance, when in fact it is only about {$10.00}. The original statement they sent was asking for over {$400.00}, but I could not make any of their numbers match up. I suspect they are doing this to XXXX customers as well. I have a signed contract with these people and they are failing to abide by that contract or the fair credit lending act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Asked XXXX to defer XXXX payments, was told I needed to bring my account up to date before they would

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a Home Equity with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XX/XX/XXXX. However, they did a new update in XX/XX/XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.

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 2016-11-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
A Wells Fargo line of credit was approved and unauthorized funds transferred to a creditor ( See attachments A-E and letter from XXXX concerning resolution ).

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 2016-09-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have {$44000.00} in private loans through Navient. Navient wanted my payment a month to be around {$600.00}. I am a single mom and can not afford this amount. I tried contacting Navient to negotiate a lower monthly payment because of my income situation. They basically were extremely rude with me and told me well I owed them alot money and asked me why could n't my dad pay it because he had cosigned them. I explained to them that again, I am a single mom and only make around {$1200.00} a month and after I pay all my bills, I do n't have {$600.00} to give them. Also, my dad retired and my parents live paycheck to paycheck. They do n't have the funds either. Yes, I know its alot of money and its not my parents responsibility it 's mine. They told me that I needed to pay that amount or I would have serious consequences. They wanted me to set up an automatic payment and they could get my payments down to {$480.00}. Again, I told the gentleman, I could n't afford that amount and again he got rude with me and that was the end of our conversation. Well, they continued to harass myself and my parents by calling multiple times a day and making threats. Even calling on Saturdays and Sundays. Eventually, I was able to get ahold of someone after my loans went into default because I was only paying around {$200.00} a month, which is what I could afford, who worked with me and got my payments all group together, supposedly, and got it down to {$200.00} a month. The phone calls stopped for a little while, but then they started up again. We answered the phone after these harassing phone calls had been going on for a couple months, multiple times a day and found out that the reason they were calling is because XXXX of my loans had n't been put into the repayment plan because supposedly they were the smallest of my loans and therefore, could n't. I did some research and these loans are not the smallest of all my loans, XXXX is but the other is not. Since I did n't realize that these loans were not in my repayment plan, they are way past due. Navient is now threatening to take legal action and try to take my parent 's house away. I do n't know what to do. I realize this is a lot of money and I will pay it back. I just need time and I need this harassment to stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Portfolio recovery has illegally re aged this alleged debt. They are reporting as an open account with an open dates. Which is a direct violation of the FCRA. I never entered into an agreement with portfolio recovery. I have tried to rectify this numerous times. They verify these accounts with the credit bureau but refuse to send me their verification methods. I asked them to provide me a copy of my I.D and social security card to verify that these accounts belong to me. They have not done so. I will be forced to make this a legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
commonwealth finance and XXXX is keep opening old account that is expired and all ways attacking my credit report over expire accounts and same account repeated tell information too XXXX party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Commonwealth Financial Systems, Inc.
State: FL
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:
This company placed a debt from XXXX on my Credit Report on or around XXXX. The only way I knew it was placed there was through monitoring of my credit report. No mailings or phone calls were sent or received at all! I immediately phoned them to tell them that this was a XXXX claim involving an Attorney. I provided the name and number of the Attorney and requested the accounts be removed from all XXXX ( 3 ) credit reporting agencies immediately! It is now XXXX/XXXX/XXXX and they still have not removed XXXX of the accounts - XXXX. In calling this morning, XXXX/XXXX/XXXX, I was given to a Supervisor, XXXX. He was rude, and told me that they did n't have to remove anything. I asked XXXX who they report to, and he advised " No one! '' I asked to be transferred to someone else, so he transferred me to an empty line which hung up on me. In calling back, I asked to speak with a Supervisor, other than XXXX, so XXXX XXXX answered the phone. He advised that he was the General Manager and would process a XXXX form to the credit bureaus and send a copy to my email. I advised him that I 've been told before by his company that this would be taken care of and it still has not! I advised XXXX XXXX that this company is hindering me from moving forward, as my credit report is marked with something that is NOT my responsibility and legally can not and should not have been placed on my report. This needs to stop immediately! There are consumers out there that should be protected from companies such as this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EOS Holdings, Inc.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am requesting the XXXX % Formula to begin Rehabilitating my Student Loans. 
My Servicer EOS-CCA is not following the U.S. Department of Education Guidelines for determining my monthly payment. 
They are saying I have to take my Gross Income, rather than AGI, which is not correct. 
The XXXX % Formula clearly states : XXXX % of difference between Adjusted Gross Income ( AGI ) - XXXX % of Poverty Level for Family Size of XXXX ( my family size ). 
XXXX & ( XXXX estimated ) AGI = XXXX ( I provided XXXX IRS Form XXXX & XXXX Form XXXX ). 
XXXX Poverty Level Family of XXXX = XXXX ( www.federalregister.gov ) @ XXXX % = {$17000.00} Difference = - {$870.00} Minimum Payment = {$5.00} / mo. 
I have the right to Rehabilitate my Student Loan using the Department of Education XXXX % Formula and they are not following the law. 
Please advise what I can do to get my Loan Rehabilitation started when the Servicer ( EOS-CCA ) is not playing by the rules. 
Is there a CFPB, U.S. Department of Education email or contact that I can complain to or override the Servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Had a XXXX XXXX but moved out of the area where the gym was located. Cancelled XXXX XXXX but they continued to bill me and sent it to collections worth {$830.00}. Disputed the collections with XXXX and was completed on XXXX XXXX, XXXX. Item was deleted due to fraudulent charges and change in address and never receiving notification of collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/2020 credit monitoring company contacted me regarding suspicious activity on credit report. Te same information was sent over to all three credit bureaus. These items should be removed from all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is a debt that I paid for cable service years ago when I turned in my equipment. This company placed this on my credit report before they even mailed me a letter so that I could dispute it. I checked my credit report the day that I received the letter from EOS CCA and it was already on my credit report.

Company response to consumer: Closed with explanation