davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MI)

I filed Bankruptcy, Chapter XXXX in XX/XX/XXXX, the mortgage was included and the mortgage was foreclosed XX/XX/XXXX and a Sheriff Sale was held. Since that time Ditech Mortgage has sent me monthly statements with the deferred portion of the mortgage owing with additional charges added to the deferred portion of the mortgage. I have called them repeatedly about these statements to no AVAIL. Ditech claims these notices are for informational purposes. My concern is if, I am able to REEDEM the property, Ditech will place a lien on the property for the deferred portion of the mortgage. The total dollar amount of the mortgage balance was {$67000.00} the law firm of XXXX., XXXX XXXX MI, XXXX. Their phone # is XXXX. This mortgage was modified with XXXX. XXXX XXXX, as trustee for the certificate holders of the XXXX inc., Asset-Backed Certificates Series XX/XX/XXXX-XXXX, listed for mortgage sale. The modification was for an ARM. {$56000.00} the principal balance and {$16000.00} of the principal balance to be deferred for approximately 21 years due in a balloon payment. Ditech was not known to me until the court hearing and Ditech appeared in court to contest the stay of the Foreclosure Sale on XXXX. At this time I have received monthly statements from Ditech Mortgage. Is this a form of intimidation? Was this a MERS mortgage?
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (CO)

I keep getting letters about a mortgage I filled for but never got. They keep changing debt collectors to try and collect on this. I have never gotten any money what so ever from XXXX XXXX. The latest is a place called Ditech Financial, LLC. They want me to give them all of my personal information before they will even talk to me which to me seems like identity theft. I do n't see how these people think anyone will give them their personal information just out of the blue without some sort of proof about what they are talking about.
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ECMC GROUP, INC. (TX)

ECMC is reporting a fraudulent debt on my credit report and is attempting to collect without giving me any information. I already explained that this was not my debt. I pulled my credit report and their address is not listed. Please see page XXXX on the attached below. 

Also I 've uploaded my FTC documents for your review. 

Please help me get this resolved, it 's affecting my family. 

thx XXXX ( XXXX XXXX )
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

In XXXX 2014, Green Tree Mortgage took over my home mortgage with XXXX. The statements provided by Green Tree did not provide me with needed information, such as amount due. Instead, the statement read " not a bill '', " for information purposes only '' and " total amount due '' was left blank. I called Green Tree, and they told me that this was due to a bankruptcy. I am not in bankruptcy court, though my wife did file for bankruptcy a few years ago. I asked Green Tree to send me a monthly statement with information, including the monthly amount due, due date, and the total amount owed. To date, I have not received this information. I have spoken to several representatives and sent several letters requesting this information. To date, I have not received said information. I wrote another letter to the president of the company. Although he responded saying that they were looking into the matter, the situation got worse. Now, I am not getting any correspondence from Green Tree. According to a representative, all correspondence is being sent to my wife 's bankruptcy attorney. In XXXX, a company representative suggested that I go online. I did so and to my surprise, Green Tree charged me {$1400.00}. According to a representative, the fees were for attorney costs for my wife 's bankruptcy. Additionally, I noticed that my monthly payment went up from {$700.00}, the agreed-upon amount, to {$800.00}. According to the representative, the increase was to pay for the attorney fees. I was not given any type of notice regarding the attorney fees and the increase. I recently spoke to another representative. I asked that the fees be reimbursed. The representative advised me to send a letter to Green Tree, which I did. Lastly, on several occasions, I have asked Green Tree to send my an application for " auto pay '' so the monthly amount can be deducted from my bank account. I am still waiting for this form. I am requesting that Green Tree 1 ) reimburse me the aforementioned attorney fees, 2 ) send me a monthly statement with the monthly amount, amount due, and amount owed ( balance ), 3 ) send its correspondence to my home address, and 4 ) send me an application for " auto pay. ''
Consumer complaint received 2016-08-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I had lost my job several years ago, and was in danger of losing my house. I got help from XXXX my state 's entity for passing along monies from The Hardest Hit Fund. I was under foreclosure protection by being in that program when my original Mortgage holder sold my mortgage to another company. Before I was made aware of the sale, the second mortgage company IMMEDIATELY put my house into foreclosure. When I found out, I contacted XXXX who contacted them, and the foreclosure was stopped. However, the second mortgage company charged me for their legal expenses/lawyers fees by tacking an advance balance on my mortgage of about {$2500.00}, and when I appealed they said nope ... we want our money. I assumed it was resolved since I never heard back from them about their conclusion until they sold my mortgage to a third company. That 's when I started getting monthly statements that listed an advance balance. I 've contacted my current mortgage company XXXX separate times complaining about it and asking that it be removed. I contacted XXXX and the personnel there talked to my current mortgager about dropping the advance balance and the mortgager told the agent of XXXX that there was nothing to worry about that the Advanced balance is XXXX. I thought the issue was resolved but when I tried to get a lower interest rate, bam, I still had an Advance Balance of nearly {$2500.00} that had to be dealt with first ... not some new advance fee, still the amount that was transferred over from the erroneous foreclosure. I talked to them and was assured it was resolved. I 've applied for refinancing again and guess what? The advance balance was still there and at the same amount. I talked to my mortgager one more time, and was told it was going to a special research department. That was over two months ago. No communication from them and the Advance Balance of {$2400.00} keeps getting posted on every bill I receive. Since I never should have been put in foreclosure to begin with ( 1 ) Why was I charged for paying their lawyer to put it in foreclosure to begin with? ( 2 ) How can they tell XXXX there 's a zero balance and whenever I communicate with them or receive a bill the balance is {$2400.00} ( 3 ) I 've tried to get this resolved with my current Mortgage company about every 2 months for a half a year now. They assure me they 'll take care of it and are having a separate department research my issue, and yet they never give me any feedback on how my complaint is progressing and act like they never heard of me complaining when I contact them for an update. After this many attempts I can only come to one conclusion : they wo n't remove the advance balance and are throwing my complaint in the trash can/dead file every time I ask. ( 4 ) When I sell the house, I am sure they will try to skim {$2400.00} off of any moneys I have coming to me after the sale. HELP!
Consumer complaint received 2015-11-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

Ditech financial has been giving me bills that change the amounts at least twice a month. They have also added fees to my mortgage account and have not applied my payments correctly and do not answer my complaints except with " we have received your complaint and it is under review '' The last answer I got stated that they felt they answered all my questions previously, that came from a paralegal. I am so frustrated with this company. I am attaching my latest correspondence.
Consumer complaint received 2016-11-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (PA)

I graduated in XXXX of 2016. I earn $ XXXX full time. I have government loans as well as {$85000.00} in Sallie mae private loans. There are XXXX loans total with separate payments. The total of the XXXX loans is roughly XXXX month payment with interest rates as high as 10.5 %. I can not possibly make this payment. My cosigner is my mother and she can not assume this payment because she is taking care of my step father who has XXXX and they have medial bills. Sallie Mae 's only offer is forbearance or interest only which forbearing my loan would not help since my income is what it is right now. I am in a year lease where I work and can not move. Interest only payments would be almost as high as my standard payment. Sallie mae only allows 10 year standard. If it could be drawn out to 20-25 years, it would definitely be doable, and my cosigner could help as well. We have exhausted all refinancing companies, with denials from all. I do not have any credit right now since I just started working, and although my mother has outstanding credit and credit history, she is denied because of her debt ratio ( because of my loans ). I really, really need help extending these loans out to 20 years. I know I have an obligation, but there is no way I could possibly pay XXXX. Sallie Mae will not work with us on this. Not at all. We have even gone so far as to look at bankruptcy or a debt relief program. Please, please, Sallie Mae ... ..I know you want your money, why wo n't you work with us? Extend my loan, you will get your payments. Please help us. I have XXXX in government loans, but they will let me use an income based payment. My mother has XXXX Parent plus loan which she consolidated to lower her payments as well.
Consumer complaint received 2017-03-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

complaint on Synchrony Bank XXXX Synchrony bank has committed fraud by saying that they transferred {$6000.00} to my account at XXXX XXXX XXXX. 

On XX/XX/2017, I made XXXX transfers from XXXX XXXX XXXX to Synchrony Bank in the amounts of {$5500.00} and {$6000.00}. On XX/XX/2017, I sent an email asking Synchrony Bank to cancel the transfer. In the interim I tried to transfer the money back myself however, I was contacted by email and told that Synchrony Bank had cancelled my transfer request but it was the wrong one! They did not even look at the time line. Instead of cancelling the transfer that I requested from XXXX XXXX XXXX, they cancelled the transfer from Synchrony. Then they put a " Restriction '' on my account holding ALL of my money hostage. I have made more than a reasonable amount of phone calls to Synchrony bank with no resolution and no money either. 
In these phone calls I asked that the money be sent back to XXXX XXXX XXXX. They transferred back {$5500.00} and said that they also transferred back {$6000.00} and that it would take 3 - 4 business days to get those funds back, this was on XX/XX/XXXX and XX/XX/XXXX. 
I got the {$5500.00} back into my account with XXXX XXXX XXXX but not the {$6000.00}. I have spent days and hours speaking with managers at Synchrony Bank who say that the funds were sent to XXXX XXXX XXXX and that there is nothing they can do. They gave me a trace number ( see below ) and told me to give that to XXXX XXXX XXXX. When I did, XXXX XXXX XXXX said that they have no idea what that number is. I was told that the {$6000.00} was never transferred into my account. 
I have been given the run around by both Synchrony and XXXX XXXX XXXX telling me that the issue needs to be taken up with one or the other. In my opinion, the responsibility lies with Synchrony Bank. They have done nothing but mess up my account and attempted contacts with them from the beginning. 
The " trace number '' they gave me is XXXX. Today is the 5th business day and I do not have my money ( {$6000.00} ) in my account at XXXX XXXX XXXX. 
I spoke with a manager XXXX at extension XXXX. She told me she would call me back in an hour. When I called back after leaving 3 messages with her I was told that when she tried to call me back my phone was disconnected. Interesting since my phone has not been disconnected and it is the same number I 've been calling them from. 
I was given another managers name and phone number and was told to wait another day. That will be 6 business days without my money because of Synchrony Bank.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (FL)

BARCLAY 'S BANK OPERATED A MASTERCARD ACCOUNT FOR US AIRWAYS. 
I WAS PROMISED XXXX COMPANION TICKETS WHICH WERE NEVER PROVIDED. 
I WAS BILLED A YEARLY FEE IN THE SECOND YEAR WHICH WAS SENT TO ME LATE. 
THIS TRIGGERED A LATE FEE. 
WHEN I LEARNED OF IT, I SPOKE TO AN ASSOCIATE WHO SAID I COULD CALL BACK IN A FEW DAYS TO DECIDE IF I WANTED TO KEEP THE ACCOUNT. 
HOWEVER, THIS WAS UNTRUE AS MY ACCOUNT WAS FLAGGED AS OVERDUE AND DESPITE PAYING EVERY DIME OF THE FEES AND CANCELING THE ACCOUNT, IT WAS STILL REPORTED AS DELINQUENT TO THE CREDIT BUREAU AFFECTING MY XXXX CREDIT SCORE!
Consumer complaint received 2016-10-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SYNCHRONY FINANCIAL (MO)

So I got a credit card about a year ago now and I was paying on it for a while and I just could n't afford to pay on it anymore and so it ended up going to collections without any type of warning or letter in the mail ... until one day I started getting calls from a local number so of course I answered it, they had told me that my credit card went into collections and I needed to pay them immediately. So I was terrified and said I would call him back and he said no it had to be taken care of today and that I just needed to put him on hold so I did and he then asks me how much money I could pay him I said maybe {$100.00} and he charged my account for {$160.00} I believe. And $ XXXX/2 weeks after that. He also said he would send me a reciept and never did. So after that I immediately was so angry I called my bank and canceled my card. After that was when the hate started. Calling me every day multiple times a day threatening me saying awful things. I kept all the voicemails. He never even said his company name nor was I ever sent anything in the mail!! I had no idea and now he said it 's going to an attorney and they will garnish my wages. That 's why I 'm coming to you guys
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (TX)

I had a crefid card i had a XXXX dollar credit limit without my consent they pulled a crefit report from a credit agency i called amazon / syncrony bank and askef them to explain why my credit limit was dropped in swich they said do to a credit scoring pulled from a credit agency in which all thats on my credit report was there when the account was opened i asked them to send me a copy of my consent to pull my credit report with my signiture they said it would take take 30 days before i could get that info asked the why so long would not give me a answer only that it is policy
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (PA)

My bank reversed a payment for {$110.00} on a Paypal Mastercard by mistake. XXXX immediately restricted by XXXX account, which they claim is separate from the Paypal Mastercard credit card. They told me I need to verify that bank account an submit a request that XXXX payments be sent from XXXX to confirm that bank account. XXXX never sent the small deposits. It has been over two days. When you go to the XXXX website, I can not see what purchases were billed on the card. I had to search the site to find a link to view the credit card statement. Why did XXXX restrict my account and not the credit card company Synchrony Bank, Paypal Mastercard? XXXX sent an email to customers some time ago that XXXX and the credit card were XXXX separate companies and would be treated as such. This is not the case. I have done everything I was supposed to do.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (OR)

I went to buy pants at the store and the clerk suggested if I sign up for a member card, I get a discount right away. At no point was I notified this was a credit card and all terms used to refer to this card made it sound like a free membership card. At the end when I found out that it was in fact a credit card, the clerk claimed it was too late and ca n't back out. He also said " it wo n't hurt your credit at all '', which is a flat out lie. On top of that, the discount was not applied at all to the purchase, in spite of signing up for the card. As the clerk was packaging up the pants and the card, his manager happened to be passing by and gave him a " congratulations on the Gap card ''. The way it was said was similar to a " congratulations selling the lemon car ''. Seemed like this was a shady type of car dealership the way I was handled, rather than a respectable clothing store I assumed it was.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

My identity was stolen XXXX. Credit cards and accounts were opened in the names of XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and charges were incurred on many different cards and fraudulent checks were written in person at our local bank. I was able to finally resolve the majority of these fraudulent actions by XXXX, XXXX. However, despite notifying Synchrony Bank ( Banana Republic ) immediately, instead of removing the charges, they appear to have transferred the fraud charges from several accounts, also in my name, with the fraud perpetrators so that now I have XXXX ( possibly XXXX ) Banana Republic accounts with most of the balance remaining from the original fraud in XXXX. Every time I called, they said that they had " taken care of everything '' and that it might take 90 days to complete the " investigation '' and I would receive a new card in the mail, but it would arrive with the Identity thieves ' name on it! Finally, they said that it was too long ago and I would have to " order the old bills '' because they could n't see the charges " on their system '' at Synchrony. I have not used the card since XXXX, all charges made were fraudulent.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

I am XXXX of the many homeowners that has a mortgage through Green Tree Servicing. I filed a loan modification for the XXXX time in XXXX 2014. I was approved and signed a Trial period contract, prior to making my XXXX payment, they called and increased the amount. I was then approved for the modification with a payment of {$850.00}. A month later Green Tree called said they made a error with escrow and increased my payment. Another month has passed and Green Tree is increasing my payment again because of attorney fees incurred during the previous foreclosure process.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AL)

Greentree Servicing out of XXXX with the phone number of XXXX has repeatedly called a XXXX XXXX Account XXXX after being told ( XXXX ) that the number was a business line XXXX XXXX XXXX the person they were looking for was not associated with the number nor were they associated with people they were getting into contact with ( XXXX ) to not call the number again. The caller is rude and has been hung up on at least XXXX times. The number has been blocked and as soon as XXXX number is blocked another number calls. She 's a XXXX woman who talks over the person who answers the phone. She does n't state who she is with or what the call is regarding. These people need to be stopped. They ca n't harass someone who is n't involved with the debt. They also call the place of business to which this person works. This person IS NOT ASSOCIATED WITH THE DEBT BEING OWED -- she is not on the account and has nothing to do with the account. They were given this persons number by an x wife and lied and said that they were given the number by the person. The number has only been registered to the business about 3 years.
Consumer complaint received 2015-11-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (NV)

I disputed this a few months back wrote directly to XXXX XXXX and requested verifacation of such said services as I know I walked out of the emergency room never seen doctor XXXX XXXX has assigned this so called sevice numerous time to dept collectors XXXX has also harassed cals repeatdly I have ask them also to verify debt documentation or anything baring my signature showing I read understood or anything that requires medical services signature I have never seen or recieved a medical privacy act copy or even signed one stating I received services this is the first process vital signs etc to wait to be admitted I have informed XXXX of billing tech and errors how the handled it unknown
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (OH)

I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all three credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me