davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I was with a company Called Green Tree Mortgage that wrongfully handled my mortgage on top of denying me over and over again for a modification and also accepting a program that i was approved for called the " The Home Safe of Georgia '' program, that would have been approve for up to 18 months had green tree accepted, allowing my husband and i to get on our feet due to occupation loss. I had the gold seal approval from this company and every thing was ready to go and Green Tree representatives would n't accept it, having me to result to filing bankruptcy to save my home so it would not go into foreclosure. It was n't until another company took over now, 2 years later i am approved for a modification with no problem. Green took extra monies from me that was over paid they have me up side down now in my home and now i am really just paying rent seems like until i can find my way. The representatives that worked for this company gave me the run around i sent inn documents over and over again whether it was through certified mail or fax with a conformation report, sending inn enormous amounts of documentations for them to say they did n't get it and the time period for the modification had expired. They made me and my family of trying to keep my home modified after my husband lost his job XXXX. My husband is a retired vet so that made us qualify for " Home safe of Georgia and they would not accept it made excuses like it was too late. Even Green Tree attorney at the time contacted them inference to accepting the program to keep from allowing my home to go into foreclosure and they would n't accept the program which was one of the programs they were known to work with, so the day before my home would have been sold i had to file bankruptcy. This company has wrongfully service individuals and have gotten away with it. My husband and i have lost a lot of money with this Mortage Company and almost lost our home that we both worked hard for. I need you all to please investigate my mortgage during the time it was under them and i am asking that i received every penny that i paid extra that should n't have been a fee and also for the pain and frustration this company took me through. Green Tree Mortgage which was a finance company should n't have had the power to do what they did to people. Also the employees who they had working showed no compassion for people they were rude and ignorant and down right disrespectful also the ones over them because the problem was n't corrected after complaining.
Consumer complaint received 2016-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech financial took over my greentree home loan. Every month they some how XXXX up my payment, then add on late charges. After that they call me during work telling me I owe them a more than twice as much as my normal payment. The only response from the representative is " that 's what our records show ''. I have automatic payment, how do they seem to mess it up? So frustrated. They XXXX me off so bad I told them to come and take my home. About 2 days later they sent a representative out to my home and kicked the door in and left a note. I have tried very hard to keep right with them, they always find a way to be able to charge me extra for their own gain. I really hate greentree and ditech..
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

My home was foreclosed by Greentree in XXXX 2015. I am still working to determine where a more than {$20000.00} payment is with them. In the meantime, their new company, Ditech sent a collections letter in XX/XX/XXXX for {$34000.00}. Upon calling twice, no Ditech representative could tell me what that amount is and how it was calculated.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

Unfortunately my husbands mother had passed away. This was happening during the time payment was due. I did inform them we had a death in the family and would be making late payment. I went on line a saw they imposed a late fee. On XXXX I submitted a message to them regarding this issue again. On XXXX I received a very cold and nasty letter from Ditech. It really had nothing to due with my issue. I never said I was n't going to pay my bill solely that is was going to be late. It was the second half of he mtge. If they go backs and see my record they will see my payment history. Only once where I did n't hit submit was a fee imposed. But I took responsibility for that, They also charge a fee to pay with their website. I asked for the fee to be removed. I even offered proof just in case they thought I was making up the story.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Our mortgage was sold to Ditech about a year ago and we 've had nothing but problems. I logged on to check my principal balance on XXXX/XXXX/16 and saw my current amount due was {$7700.00} XXXX our monthly payments are {$1900.00}!! We pay bi-weekly and not only are we AHEAD on payments, the money is automatically deducted out of our checking account. We have NEVER missed a payment and NEVER been late. 
I called customer service on XXXX and spoke with XXXX ( ext. XXXX ) who told me it was a software glitch and would be corrected in 24 hrs. Two days later on XXXX when it still showed delinquent I called back XXXX XXXX ext. XXXX ) and was told it was due to a software upgrade a few months prior and it would be corrected by the end of the month. At this point I 'm XXXX, but there 's nothing I can do. I am reassured there is no problem with my mortgage and I wo n't be reported as delinquent. 
Three days after that ( XXXX ) someone COMES TO MY HOUSE to deliver me a delinquent notice on my mortgage. My husband and I are LIVID at this point. And mortified. 
After researching my principal balance, I show where the balance goes down as expected, and then shoots up {$3000.00} a few months later. 
I again call and speak to a representative who said the payments we made that were n't applied to my account ( but were held as " un applied funds '' ) were later applied incorrectly and my increased balance was due the re-allocation of the funds. How is that allowed?? 
I called to request an audit on my account and I was told all I can get is a print out of my payment history. I do n't know how they can XXXX around with our mortgage like that without any accountability, even embarrassing us by sending someone to our home!
Consumer complaint received 2016-03-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MA)

Ditech has refused to suspend the Foreclosure Auction on our property, scheduled in two days, on XXXX XXXX, 2016. They have not responded to any of the allegations in our first Complaint to CFPB other than to postpone for sixty days for a modification, which is not complete as we just finished our tax return. We applied for a preliminary injunction which was denied on notice grounds and because the judge said he was not convinced we could succeed on the merits, which is NOT the applicable standard of review. RAther, we have raised serious, substantial questions about the validity of our mortgage and note documents and a temporary STAY of the foreclosure is the only reasonable action. So Monday morning I will go back and try to get a ruling that Ditech is REQUIRED to meet with us in person pursuant to HUD regulations, as evidenced by the note they dropped off at our door asking us to " contact our office to arrange a meeting to discuss your account. '' Another person got an injunction yesterday based on that regulation, while my handicapped husband and our XXXX year old daughter were turned away by the same judge. This process is a DISGRACE and the CFPB needs to get more aggressive with these Lenders to force them to comply with the law. I called the Ditech supervisor TEN TIMES over the last two days and he refuses to call me back. If our home is sold on Monday I am going to sue everybody in sight, including the CFPB and the Massachusetts Attorney General, who is doing virtually nothing in this area for consumers, despite capturing XXXX and even XXXX dollars in judgments against the banks and lenders, for failing to protect our legal rights, and for causing extreme and ongoing emotional distress!!!!! 

XXXX XXXX DITECH telephone
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

1. Complaint XXXX submitted 2. I have attempted to call the single point of contact and that individuals manager every day for the past week. There have been no return calls or messages left for me. 
3. On XXXX XXXX I left a long detailed voice mail for the manager of my single point of contact informing them of the following : A ) The sale of the house appears to be moving forward, however, the buyer is forcing us to close by XXXX XXXX and we are going to do everything we can to meet that time frame. 
B ). Buyer completed their house inspection and that revealed an inoperable condition with respect to damage under the house. We are attempting to work through that issue. 
C ). We will ask for a payoff letter. 
D ). I asked for the courtesy of a return call so I could discuss the issue and understand options. 
4. Instead of talking with me, ditech took that information, sent it to an attorney and had them send a notice that they would foreclose. This is unconscionable and if this notice is discovered by the buyer the sale could be off. This is after making offers to continue a payment plan and making an offer last month to purchase the note - ALL OF WHICH HAVE BEEN IGNORED. No phone calls. 
5. One of the primary Borrower 's, XXXX XXXX XXXX, died on in the past two weeks. The other has scheduled XXXX within a month. We have proactively worked with ditech throughout the process to get the loan repaid with a goal that the borrowers would at least have a small amount of money for medical expenses and to live on. The remaining Borrower, XXXX XXXX, is faced with those costs and a reduced income as her survivor social security benefits result in reduced income. 
6. And ditech believes that this is the right time to send the foreclosure notice?!
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

My loan was assigned to Green Tree and they changed their name to Ditech. Since taking over my loan they state that I am late with my payments. Now they say I have not made payments. This loan is paid from my bank 's bill pay every month on time. I have proof from my bank. Ditech 's own statements they send me, even shows when I paid them, yet I am supposedly in arrears.
Consumer complaint received 2016-09-14
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ECMC GROUP, INC. (TX)

I originally receive a letter of pending wage garnishment from ECMC, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called XXXX XXXX XXXX. I was never given the hearing or review that I requested.
Consumer complaint received 2016-05-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Ditech is managing a refinanced VA XXXX XXXX mortgage for me. I called them to find out why they are not reporting my mortgage to the credit bureaus and they said their policy is not report my type of mortgage. They could not give me a reason why and just said that was their policy. This has resulted in my credit report dropping over XXXX points because Im not showing a mortgage anymore.
Consumer complaint received 2015-04-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

A foreclosure notice was issued in the XXXX, AL newspaper about my home. Until then, I had not received any notification from the mortgage holder, Greentree. After approximately five weeks of talking to Greentree representatives and the foreclosure attorney, I submitted the full amount of {$22000.00} to bring the account current. However, the payment was not accepted, and foreclosure proceedings continue. I 'd spoken with XXXX on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 and understood that a stay would be issued. 

I would like to stop the process and keep my home at XXXX XXXX XXXX in XXXX, AL.
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BlueChip Financial (CA)

I get several calls a day from a company called Spot Loan and when I answer the phone they hang up. They leave messages when I am not there to answer with a call back number I 've tried calling them back to see why they are calling me but they usually do not answer. Today I got a rep on the phone claiming I have a loan with them which I do not. I want them to stop calling me. I 've asked them to stop, they will not.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (AZ)

I have had recurring issues with Hunter Warfield attempting to collect a debt that I do not owe. In 2013, I disputed the entries that this company made to my credit reports. I was able to get these items removed from the credit bureau reports after I threatened to sue Hunter Warfield for its blatant violations of the Fair Debt Collection Practices Act. I recently became aware that they are continuing to report the same false information to XXXX XXXX XXXX. I am upset because I feel I have already made it quite clear to Hunter Warfield that this is not my debt and I will not be paying it, and that by continuing to report this debt they are breaking the law. Given the length of time that has elapsed, I am granting Hunter Warfield a grace period before I decide to exercise my right to take them to court for violating the FDCPA. I am hoping that the Consumer Financial Protection Bureau will be able to mediate this matter before I am forced to take this company to court.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MD)

On XXXX/XXXX/2016 I received an e-mail from Citi group advising that my Diamond Preferred Citi credit card was closed due to inactivity. I called right away but was not able to speak with a representative. On XXXX/XXXX/2016 I called and spoke to XXXX who advised she was an " account manager ''. XXXX confirmed that the acct had been closed ; I advised that I did not want my account closed and that I was concerned about it effecting my credit score. I asked for the card to be re-opened to which she responded could be done by me applying for the same card that they just closed. I asked why I did not receive a heads up that the card was going to be closed to which XXXX responded " this is exactly why we do not send heads up because the customer will go out and use it once and then never use it again and we do n't want that ''. I could not believe what I was hearing, I understand Citi bank wants to make money but to relay that information in such a manner to the customer is ridiculous. I advised that I am sure the higher ups would not want her telling customers that that is the reason they do not provide a heads up and she should not tell anyone else that. As someone who works in customer service customers like to feel like more than just a number. I do not any any inquiries on my CBR so I declined and asked who I could speak with to have the card re-opened without a CBR pull. She said she is the only one I can speak to. I had to threaten to write a complaint before she would escalate my call. I then spoke to XXXX who said he was an " officer in charge ''. I repeated my request to XXXX advising that since my card had been closed due to inactivity and it was just two days ago that it should be able to be re-opened without the CBR pull. He asked me 3-4 times if I wanted to apply after I made it very clear that I did not. I have XXXX other cards that are associated with Citi bank outside of the one that they closed. I am requesting my account be opened.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am one of the victims of Equifax 's XXXX  Breach and also a victim in there recent " INACCURATE '' scores given this year XXXX and caused severe financial hardship. Furthermore, Equifax has ignored my FTC Identity Theft report and has failed to block the fraudulent accounts under The Fairs Credit Act 605b. They have caused severe financial hardship for myself and my family. I have attached the certified letter sent to Equifax on XX/XX/XXXX with evidence including Identity Theft Report, My SSN Card/Drivers Licenses, and Utility bill for verification.
Consumer complaint received 2017-02-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I received a second letter on Citi letterhead regarding an account XXXX XXXX had. 
XXXX XXXX had been decease since XXXX XXXX, 2009 and I, XXXX XXXX XXXX ( her daughter ) am the Executor of her estate. The letter states, If I believe the account was enrolled without consent of knowledge, I could go to www.Citi.comXXXX and submit a claim for potential refund. The letter also includes a customer reference #, and tracking #, but the website will NOT allow me to submit a claim.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

I have contacted Citi Cards numerous times about not being able to log in to my CitI Credit Card account. I was previously able to for some time but I no longer can. I must call and listen to the automated recording or speak to a representative. They tell me the reason why I can not log in is because I do not have the full account number/card number. I closed the account many years ago and shredded the card which is why I no longer have the card number. I was under a payment plan also which I 'm no longer on because I receive XXXX ( XXXX ) and it does not always come by the XXXX when my bill was due but I am still making payments as I always have. This is the reason I feel I am no longer able to access my account because it wasnt a problem before. They want their money but all I want is to be able to log in my account. And one more thing, regardless of how much money I owe, it does not give the right of ANY CUSTOMER SERVICE REPRESENTATIVE TO SAY TO ME IT 'S BECAUSE YOU OWE US A LOT OF MONEY! I thought Citi was better than that because that what y'all preach. Everyone has had to overcome hard times just as I have.
Consumer complaint received 2016-10-16
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

In XXXX of this year I had my lawyer write a letter to Home Depot stating that their deferred interest program was misrepresented. They never said that the interest that was being deferred would be tacked on to the balance once the deferred period was over. They lead me to believe that I would only be paying interest on my current balance. My lawyer sent the first letter in XXXX with no response and then sent the second letter in XXXX of this year. As of today we still have not received a response from Home Depot. I would like this resolved. How can they be able to do this to people and then not even respond.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Hello : Back on XXXX XXXX, XXXX my Citi Bank XXXX card was overcharged by {$790.00} from a vendor in error. I called Citi to alert them that the charges were not authorized and they issued a temporary credit to my account for {$790.00} until the dispute was resolved. I filled out Citi 's paperwork required to initiate the dispute officially and returned it to them promptly. The vendor issued a partial credit of {$390.00}, leaving the balance still disputed of another {$390.00}. Citi Bank then wrote on my statement " The following conditional credit was reversed since it was determined to be a valid charge. XXXX Sears XXXX {$390.00} '' and my balance due on the card went up {$390.00} accordingly as a new charge. When I questioned, Citi said the partial credit was still pending and that statement they wrote was a poorly written way to handle the partial credit issued by the vendor. I followed up on the disputed amount XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and each time I was told the dispute was still pending and the permanent credit could not be confirmed. Today XXXX/XXXX/XXXX I was total the permanent credit of {$390.00} was applied back in XXXX and it was unfortunate that a letter was not sent out to me stating so nor could any of their representatives see that information. When I asked why I still have a {$390.00} charge open on my account, they said it was a coincidence and that I owed that money in other charges. I reached out to the vendor during this time to ask them why they only issued a partial credit and they apologized and said that was a mistake and they would initiate the balance credit for {$390.00} within the next 5-7 business days. Citi told me that if the vendor does that, they will not allow it to hit my account since they already issued me a permanent credit back in XXXX but it was only for {$390.00}. Why am I not receiving not receiving the entire {$790.00}? Citi seems to be collecting and benefiting my dispute while continuing to charge me.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (TX)

CitiBank N.A was willing to settle my credit card account for the sum of {$2100.00} on XXXX/XXXX/2015 unfortunately I was XXXX and unable to pay the amount. When I finally saved up the money to pay, I contacted CitiBank and was referred to a company called XXXX XXXX XXXX XXXX who initially wanted me to pay {$3600.00} and XXXX weeks later changed it to {$4700.00}. 

When I called XXXX back, XXXX XXXX a representative of XXXX XXXX referred me to a manager who said I had one hour to pay the {$4700.00} after which I would have to pay the full amount of {$5600.00} XXXX XXXX XXXX XXXX is the most unprofessional and crooked company I have ever had the unfortunate need to contact. They change the amount owed at will and when I asked for a manager, they put a very rude and obnoxious individual on the telephone who gave me an hour to come up with {$4700.00} or face paying the full amount of {$5600.00} saying I am not facing any hardship by his own determination.