davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Ditech Financial LLC (MI)

Please see and read the attachments. These can also be seen in complaint number XXXX. 

I have highlighted the areas for you and Green Tree. 

At the bottom of page XXXX of the attachment to THIS complaint it CLEARLY states to cease ALL TELEPHONE COMMUNICATION ... ... 
Yet they choose to ignore the cease and desist statement. 

They have called on XXXX/XXXX/2015 and again on XXXX/XXXX/2015. 

Also in complaint XXXX Green Tree replied to you as follows : '' Green Tree Servicing , LLC said : Explanation of closure Green Tree is unable to locate an account with the infomration provided. We ask that you provide our office with the following information so that we can respond to your concerns. 
XXXX ) Full Property AddressXXXX ) Full account number '' They received the exact same letter as you, the CFPB did, and yet the letter that came from Green Tree contains:XXXX ) Full Property AddressXXXX ) Full account numberCan they not read their own letter!
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NH)

I have been having some trouble with my mortgage company for the past six months or so. 
My mortgage company used to be Greentree, and then it was sold to Ditech in the XX/XX/2016. 
I continued to make our monthly mortgage payments, and began receiving calls from Ditech in XXXX of 2016 telling me that my account was behind because they had n't received an XXXX payment from me. I made my XXXX payment and checked my bank statements to confirm that Ditech had cashed my check, and they did. 
I submitted my bank statement to prove that we made our XXXX payment, and they told me that they did n't allocate our payment to our account because they switched their software in order to absorb all Greentree mortgages into their computer system, and said that they have been having issues because of the software switch. 
Ditech verbally confirms that they received my XXXX payment, and cashed my check for that payment. 
Ditech continues to call me and send statements in the mail indicating that I am delinquent in my payments due to this " missing '' XXXX payment. Ditech has also added late fees onto the amount that they are saying is past due. 
When I call Ditech, they tell me that they are " taking care of this and will fix it '', but the calls and mailed statements from them indicate that in their system, I am still delinquent. 
The " late payment '' showed up on my credit report, and luckily, after disputing this with a credit bureau, they took it off my credit report, but my credit rating has dropped because of this. 
It has been 6 months, and Ditech has n't resolved this issue yet. I continue to receive phone calls and mail from Ditech indicating that they need me to pay that " missing '' XXXX 2016 payment. 
I am not sure how to proceed at this point.
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

Possible multiple violations of US Code Title 15 Fair Debt Collection Practices Act. The Company, to this day I do not fully know them as a debt collection company because they ahve never disclosed that they are a debt collection company, Overton, as per XXXX. I was called today, XX/XX/2016 from a company the individual stated my first name and made a statement that I owed XXXX money on a debt. They them immediately asked to verify my identity to continue the call, I stated that under the fair debt collection practices act if they were not 100 % sure that I was the debtor ( Alledged ) that they should not discuss any form of debt. In addition now that I think about it this may also be a Gramms Oxley violation as well, because they disclosed financial information about an individual of a federally protected financial institution as haviong an account at XXXX. I have never received a letter N1 or docket letter, no information at all verifying this company as a debt collection company and I have never received mini miranda. I would like to direct stakeholders attention to XXXX vs. XXXX as existing precedent and case law. I called back to XXXX and asked for how I could contact a compliance officer, and the individuals were all in a meeting. I asked for a supervisor so i could receive proepr N1 letter to hand over to my attorneys and according to the switchboard there was no supervisor available.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Websterbank delayed closing to charge me rate lock extension fees. Assured me for weeks wevwere all set and ready to close but the last 2 weeks before rate lock end came up with all kinds of things needed to verify before closing. Was in contact with their mortgage agent through out the process and he sssured me we would be ok. Said do n't worry about if it ran over he would get the rate extended. One week before closing I received the final closing documents that reflected a rate lock extension charge. Websterbank agent told me to just sign it because if I did n't it could delay closing by 3 days for new paperwork. He would take care of rebating me the charge after closing. After closing no one wanted to talk with me and no one would call me back. I have emails and texts to verify their intensional delays to incur cost for me
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

I spoke with Ditech Financial customer service in XX/XX/XXXX and XX/XX/2016. At the time of my second call at the end of XX/XX/XXXX I was told that I was in the beginning stages of a loan modification review and I asked specifically if I needed to continue making payments between XX/XX/XXXX and the first payment date of XX/XX/2016 for my XXXX trial payments. 
The customer service rep told me that no, I did not need to make additional payments before starting the trial payments because those would be rolled into my new modified loan amount and everything would be brought back to current after the modification was completed in their review system. 

I followed the lender 's advice and did not make my XX/XX/XXXX and XX/XX/XXXX payments as I was told I could, but now I show multiple delinquencies on an account that was currently NEVER even 30 days late. I was lied to and that misinformation has ruined my mortgage history.
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Halsted Financial Services, LLC. (TX)

A representative called me and I missed the call. When I called back a rep named XXXX answered and asked to confirm my name. I confirmed my name after asking which company he represented. Due to his accent which fluctuated during the call ; I thought he said he was from " XXXX ''. He then said he was calling about a " paper '', and asked me to confirm my social security number. I do n't believe he identified himself as with a debt collector. I stated that I had no business with his company, and do not feel comfortable sharing my private information with him. He clarified the name of his company as Halsted Financial Services. He stated that he already had my private information on file. I reiterated that I have no account with his company, and am uncomfortable with him having my private information. Realizing by his tone that he was a debt collector ( I had not heard of the company before ) I asked that he communicate by writing instead so that I could confirm his claim that I had business with his company. In the middle of making my request he called me " uncooperative '', stated that they would take action against me, and hung up on me. 

I know that it is my right to be able to confirm who he says he represents, and to have their contact information so that I can verify any debt information, and communicate in writing. 

1 ) Halsted did not honor my right to communicate in writing. 
2 ) Halsted did not respect my right to not have them call. 
3 ) Halsted did not provide me with a mailing address to continue communicating regarding their presumed business. 

Halsted is in violation of the Fair Debt Collection Practices Act. 

Thank you
Consumer complaint received 2016-08-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

Previous complaint number XXXX, I submitted a complaint on XXXX/XXXX/2016 stating that I submitted a payment via epay. I have spoke to SEVERAL not helpful service agents. Supervisors XXXX and XXXX both were not helpful at all and never escalated my issue. XXXX finally listened, escalated the issue and my payment was found ( misapplied to another account ) and posted to my account. The payment is held now in an unapplied status and not posted to any monthly payment. It is just sitting there since XXXX/XXXX/2016, although Ditech responded to my original complaint this issue is not yet resolved. The unapplied status has been ongoing since XXXX/XXXX/2016, XXXX is aware and have escalated but the payment is still not applied and on XXXX/XXXX/2016 I will be again assessed another late fee. How is this happening and how is Ditech getting away with it. I work in the " Securities ' industry and the regulations would not allow for any of this without someone being called to the carpet and held responsible for the flurry of misapplied funds. I need this resolved .... Please!
Consumer complaint received 2016-09-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NC)

We have submitted numerous issues to Specialized Loan Servicing and continue to have complaints joined together with the same responses and not addressing the problems as they are presented. The situation is serious as SLS is illegally demanding a monthly payment in the name of XXXX XXXX XXXX XXXX XXXX XXXX that has no interest or claim to our home. There is no legal document that supports their claim after numerous repeated requests for documentation. We have been provided an alleged XXXX assignment that is a COUNTERFEIT paper signed by XXXX XXXX XXXX employees without XXXX issuance of a Corporate Resolution granting limited authority as signing agents and without XXXX Corporate Seal. This paper violates XXXX requirements for assignments as described in the XXXX Manual. The agreement is not the one signed at closing, You refuse and ignore any effort to allow us to personally view the " ORIGINAL '' agreement you say is kept by the custodian that you repeatedly refuse to identify. XXXX does not have any right to be paid money they have no claim to and you have no right to demand payment for them. The only alleged document that has been provided is a counterfeit paper that was produced to illegally assign interest seven years after the trust has been closed, such a desperate attempt to take my home after the mistaken identity that I filed bankruptcy and I did not. We want to see the " ORIGINAL '' note! what are you hiding?
Consumer complaint received 2015-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (UT)

My complaint is against XXXX And XXXX. 
They bought these debts from XXXX XXXX. 
Which XXXX bought from XXXX. 
I WON the Litigation AGAINST XXXX in XXXX XXXX, CaliforniaWith many others!!! Shame on XXXX XXXX XXXX for such " stupid '' purchase! 
NOT A REPUTABLE or RESPONSABLE OUTFIT!!, when purchasing bogus debts and outRight destroying somebodies Credit Report without even properly investigating the facts and proof FIRST!!!!! Their lid emcee should be stricken from them!!!!
Consumer complaint received 2016-09-12
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Bay Equity LLC (WA)

I want to purchase the home I 'm in now. I have a lease option to buy for XXXX I approached a mortgage company : Bay Equity Home Loans, a local franchise here in XXXX XXXX, XXXX XXXX XXXX. My situation is unique in that I 've been a victim of ID Theft with regards to my former employer : XXXX exposing my XXXX Tax information to overseas hackers and that the IRS Confirmed this with a letter in XXXX that my XXXX was submitted a second time in XXXX 2016 : SEE ALL ATTACHED. 

In speaking to XXXX XXXX, he assured me that since I 've got my case well documented that he " felt '' that he could overcome my low credit score and the massive inquiries from XXXX to XXXX 2016 which I 've written the XXXX bureaus about removing as of XX/XX/XXXX. 

I 've asked my real estate agent : XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) who wrote my original contract and lease option to assist me with the purchase of the home. Now, due to my SHORT SALE of my previous home, I owe the VA XXXX due to the LOSS " BUT '', I 'm still eligible for SECOND TIER loan Guarantee according to the XXXX XXXX of a home up to XXXX. Here are the details of that phone call : 1 - The home needs to have the tongue and axles " REMOVED '' as this is a double-wide manufactured home : THEY ARE GONE! 
2 - VA DOES NOT require an engineers report 3 - Remaining bonus entitlement = $ XXXX XXXX - XXXX of home to buy : {$200000.00} 5 - WE HAVE {$2000.00} in that the landlord/owner agreed to use towards a down payment 6 - The new certificate will be issued as a compromised CLAIM in the center section of my loan certificate NO MIN CREDIT SCORE REQUIRED and it 's based solely on investors and lenders overlay. 

THE PROBLEM : XXXX XXXX at Bay Equity REFUSES to now get me a load because the house was move to this location from the original location where it was set when purchased buy the original owner. THUS : They are DISCRIMINATING AGAINST ME as a VETERAN and REFUSING TO ALLOW ME TO BUY THIS HOME. 

This is NOT ACCEPTABLE and XXXX XXXX told me now I have to SHOP AROUND for a bank/lender the WILL allow me to buy this home because it was moved a SECOND TIME. IT 'S XXXX! PERIOD, END OF CONVERSATION. 

If the VA will GUARANTEE the loan and they could care less if it was moved a bazillion times to another universe, then why wo n't BAY EQUITY or even XXXX do it and shut me down wishing me " GOOD LUCK! '' I DO N'T HAVE TIME FOR THIS XXXX and DO NOT FEEL THAT I 'M BEING TREATED FAIRLY!. I can BE EVICTED and the HOME CAN BE SOLD FROM UNDERNEATH ME and I WILL NOT STAND FOR THAT.
Consumer complaint received 2016-11-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

I have a loan with ditech that has been pulling my taxes for XXXX municipalities. They have me in XXXX and XXXX county. This has been an ongoing thing for 3 years now. They keep paying XXXX even though I 'm not in XXXX. An easy look at the assessor records would show that I 'm XXXX county. I 've been calling and opening records and they still have n't fixed the problem. I 'm beyond mad about this. I 'm over paying XXXX a month if not more and they do n't seem concerned. I have to step away from work to call and I was told a bunch of times it would be taken care of. I have to admit I just sent them a snotty email about it but I 'm at the end of my rope. Please tell me how to handle this. 
Thanks
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MO)

In XX/XX/XXXX, XX/XX/XXXX, and through current date XXXX XXXX, 2016 in addition to past years, I have made numerous attempts to resolve this alleged debt with Fair Collections and Outsourcing, including but not limited to contacting XXXX XXXX the compliance representative by both email and mail. I am certain that letters requesting validation were received since I have all the receipts for the certified copies with signature confirmation pick up and signed by XXXX XXXX. As of today, XXXX XXXX, 2016, FCO has failed to forward validation documents of this alleged debt. to me. 
Since I am disputing the amount of charges that Fair Collection and Outsourcing Debt Collection Company is reporting to the ( XXXX, XXXX, and XXXX ) credit bureau they are required to provide validation however they are willfully failing to comply which may violate my rights according to the FDCPA, Federal Trade Commission 15 U.S. Code 1692g section 809. Validation of debts. FCO has failed to provide adequate validation of this debt and has not responded to written request to validate this alleged debt for alleged debt account # XXXX. I requested FCO to provide to me, an itemized monthly so that I could see exactly what charges are being applied by the apartment complex in addition to my signature and social security number on documents and a signed lease agreement that proves that I had an actual move in date. 

I am attaching copies of the certified mail tracking numbers along with copies of the email correspondence as proof of your receipt of these written requests, and to repeat, to this day I have not received validation response. I have also included a copy of the only response provided which simply a statement is of counter offer to my original request and does not provide adequate proof of this alleged debt.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (WA)

Our fixed-rate mortgage was transferred to SLS and we have had many problems since then. Specifically : 1 ) everything they send seems intentionally confusing. We have worked with many other mortgage companies over the years and SLS is the only one who sends things that we ca n't figure out. 
2 ) we have full insurance yet they tried telling us that our insurance was " insufficient '' and that they were going to purchase their own supplemental insurance ( even though they had just paid our insurance from the escrow account ). They continued to send us this claim two more times after we sent proof that our insurance was in fact sufficient. 
3 ) Now they are claiming that we have an escrow " shortage amount '' of a - {$1000.00}. What is a negative shortage? Is this double negative actually a surplus amount in our shortage? 
4 ) They are adding a monthly " shortage payment '' amount of {$85.00} to our monthly payment for the next 12 months. 

This is the shadiest mortgage servicing firm we have ever worked with. We wish there were a way to switch mortgage servicing firms without refinancing because we have a great fixed mortgage rate. I would also like to see firms like SLS closely monitored by the CFPB because I 'm sure that there are many mortgage holders who are not paying as close attention and are getting XXXX. 
Any assistance from the CFPB is greatly appreciated! 
XXXX
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

My daughter passed away on XXXX XXXX, 2015. She died from XXXX. She died intestate, my grandson asked me to be the estate administrator, so I hired an attorney and began the probate process in XXXX 2015. 
after her passing, I found out she had not paid her mortgage since XX/XX/2015.However, I could not take any legal actions ( list/sell the house, discuss issues with the lender ) until the court approved my letter of administration. It took over four months to get the court 's approval. I received my letter of administration in XXXX 2015. 
I listed the property with a real estate agent. She was not able to find a buyer. I recently hired a new real estate agent. he is actively marketing the property. We had XXXX open houses this week. However, interested buyers are very reluctant about entering in to a contract on a home with a scheduled foreclosure of XXXX XXXX, 2015.
Consumer complaint received 2016-06-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC. (CA)

Since XXXX/XXXX/16, I 've received XXXX phone calls, which I immediately am hung up on, from Halstead Financial Services. I 've called the numbers back 3 times to be removed, as I do not have any outstanding debt or accounts with this company. I 've called the toll free number on their website and advised to cease contact, and each time was ensured that it would require 2 business days to be removed from their system. My last communication with Halstead Financials Services was through a complaint portal on their website on XXXX/XXXX/16. Since that submittal, I 've received an additional 4 phone calls from them. 

They call from these phone numbers : XXXX XXXX XXXX XXXX If necessary, I can also provide the dates and times of each of the calls, as well as, the dates and times I contacted them to have my number removed.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (NY)

I, XXXX XXXX XXXX am filing this complaint in order to report deed fraud against my property at XXXX XXXX XXXX, XXXX, XXXX XXXX. My mortgage was with IndyMac Loan Services and I started a Loan Modification process with them over 5years ago because my financial status changed and Indymac assured me that if I filled out their Loan Modification application along with my hardship letter and other requested documents that they would help me figure out a solution or give me other options. However, IndyMac never completed my Loan Modification and took a very long time in the process and never communicated with me on the status of my loan modification and then through a lot of late notices after the fact through the courts I found out that my house was foreclosed and yet I was n't served at any time much less given upfront notices or warnings. I never signed any papers or documents much less any waivers and now once again I am facing eviction due to all of the above. In addition, my name was fraudulently taken off my deed, my water bill, my XXXX XXXX bills in which I paid for over 9 years. I was n't served properly and my house was taken away from me and I had no way to turn to and no help because attorney wanted {$2500.00} up front to take on my case. My house was taken away from me without any prior notices and my Section 8 tenant subsidy was also taken away from me by XXXX XXXX XXXX XXXX. Other lenders including XXXX and XXXX XXXX were also involved and still involved because the bills they had taken out of my name including my deed still comes to my house. I want to file deed fraud against all of the above parties. The rent that I collected from my Section 8 tenant was {$1500.00} and yet none of this money was applied to my balance and was taken away from me over 5 years ago as well. This is my true and correct statement to the best of my abilities.