davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KY)

My mortgage loan with Ditech was paid off on XX/XX/2016. At that time, Ditech was notified by the lender that I refinanced with that we had paid our annual property taxes and the loan was paid in full per the loan balance payoff statement provided by Ditech. I had paid the property taxes in full XX/XX/XXXX. I receive a short pay notice from Ditech for {$2600.00} dated XX/XX/2016. The short pay resulted because Ditech had also paid the property taxes. The letter from Ditech indicated that I would need to pay them an unreasonable interest rate of XXXX per day on {$2600.00} shortage. I IMMEDIATELY paid the {$2600.00} via wire transfer by my Title Insurance Company, to keep them from charging me such a corrupt, and criminal interest rate. Since my loan balance was paid, and the {$2600.00} was paid immediately, and Ditech received a refund on the property tax that they overpaid, they have owed me {$6000.00} since XX/XX/2016. Each time I call, the length of time it will take to receive my money gets longer and longer and longer. My local Sheriff 's office confirmed that they returned the overpayment to Ditech on XX/XX/2016. It is now nearly three months later and I have not received the {$6000.00} that Ditech owes me. The loan is closed, and paid in full. Ditech is holding my money, after paying a property tax bill that they were told not to pay. From the beginning, they have managed my escrow account in a very suspicious manner. Over collecting in the beginning, then sending a huge refund ( Approximately that same amount that I complained had been over collected ... nearly {$5000.00} ) after holding the overage for more than 6 months, then showing a shortage and increasing the monthly payment substantially. The individual is demanded to pay interest of nearly {$48.00} dollars a day on a {$2600.00} amount that resulted from their error, while the lender can keep {$6000.00} of my money for three months and do nothing to assist me with a more prompt and reasonable return of my money.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

My mortgage company has tried twice now to add mortgage protection insurance to my loan. My original contract did not include this in the escrow account. My original contract included homeowners insurance and county taxes. My original payment was XXXX. Ditech has now increased my payment to XXXX because they claim the escrow will fall short. The escrow account has not fallen short ever in the time of the loan. The homeowners insurance nor taxes have increased. In fact the taxes will decrease this year. I have been trying for the past 3 months to resolve this issue with them directly. I have been told every month I have to make the payment that I 'm told to make otherwise I will be charged a late payment.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I submitted XXXX PAYMENTS on XXXX separate occasions several years ago on my 30 year mortgage. Instead of giving me instant credit on those payments the Mortgage Servicer XXXX, simply gave me credit as the mortgage came due. 

I have PAID OFF MY MORTGAGE. However I believe it should have been paid off a month earlier. GREENTREE refunded part of my escrow in the amount of {$1500.00} which I find strange, on XXXX/XXXX/2015. 
I asked the GREENTREE MORTGAGE FOR MY DEED on XXXX/XXXX/2015 and the woman answering the phone said under Texas law they had 38 days from XXXX/XXXX/2015 to send me the lien release WHICH I THEN AM SUPPOSED TO TAKE to the tax appraisal district and obtain the FREE AND CLEAR DEED to my property. 
The trouble is TODAY IS XXXX XXXX, 2015, I have yet to receive my lien release. 
The representative of GREENTREE said they merely mail it by regular mail and she claimed it had been mailed out on Tuesday XXXX XXXX and that I should allow 7 to 10 days. 
That tells me they did not mail out the document which represents title to over {$100000.00} and I request that your office investigate, the failure to give me proper credit on the monthly accelerated payments years ago as well as resolve their failure to give me a lien release.
Consumer complaint received 2016-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ECMC GROUP, INC. (KY)

ECMC Which I have never taken a loan from are historically and repeatedly destroying my credit report after being paid in full years ago. My Original student loans were from XXXX XXXX and then sold or transferred to XXXX different collection company 's ECMC being XXXX of the company 's involved. I paid all student loans off and after being paid ECMC appeared on my credit report. I have tried to contact them and ask for an original contract to show that I had a loan through the company. I never received any response. I disputed this with the XXXX credit reporting agencies and it was deleted from my XXXX file for lack of proof 2 years ago and last month ECMC decided to change all the open dates and amounts to look like a new account and re reported to the collection agencies. It is very difficult for me to get any information from this company about the accounts in question and I would like them deleted from my credit reports immediately.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

I am one of many customers of Ditech mortgage company that toke the money from the mortgage and report that they never received. On XX/XX/XXXX after refinance the home with Ditech I send my first payment of {$2200.00} trough my bank on bill pay to make sure everything was OK. On XXXX XXXX the collection department call me at work and say that they never received the payment and that I need pay immediately if I do n't want any late payment on my credit. They also told me that my Bank had the money. I pay my payment immediately and call my bank to make sure they release the money. After hours on the phone with the bank and 3 way call with ditech we finally realize that Ditech apply the payment to a different account that was not my and never fix the problem. My bank release the document to them on XXXX XXXX that state and confirm that Ditech had this money apply to a different account and that should reimburse the money back to me. After almost every day call and spoke with multiple supervisor and XXXX they told me that will process the refund on XXXX XXXX and should take 3 to 5 business day to get the money back to my bank account. Today is the 6 business day and not money when back to my account on not one call me back for update on my account status. This is the worse customer service I had and I am upset that they have my mortgage for many years. Their excuse was that they change the system and all the account got changed. I received XXXX bills from Ditech on my address with XXXX different account numbers. How a financial institution can make such a mess and do n't fixed in time so customer do n't need pay the expense. Collection department now call me at work for my next payment when they own me one. I will continue to escalate this matter and follow all the process. I also record all the conversation with them to make sure that I have everything on file. I want my money back before I pay the next payment and should give me interest because they hold my money for 36 days.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

I had paid off this account on XXXX XXXX 2015 to Green Tree Servicing in the amount of {$120000.00}, as the proceeds were wired to them by the closing attorney. I have asked them to send me the exact posting information, as how much was posted to the principal, interest, escrow and what kind of fees were charged. Instead Green tree field a Foreclosure against me in the XXXX, SC on XXXX XXXX 2015 ( which was later dismissed after i became aware of it and sent their attorney an email ) Until today, Green Tree has failed to provide me with any detailed information. The only letter I have received says that there was a check sent to me on XXXX XXXX, 2015 ( This is XXXX 2015, not XXXX 2015 ) in the amount of {$1700.00}. When I call their customer service, they give me run around and treat m every rudely.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

My house is being foreclosed on by a mortgage servicer ( Green Tree Servicing LLC ). 
The mortgage was dismissed in my chapter XXXX bankruptcy. 
They are saying that they have a security deed for the property. Also in my state of Georgia a servicer can not foreclose. My sale day is XXXX/XXXX/2015. 


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Consumer complaint received 2016-04-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have a HAMP loan w/Ditech that was sold to them by XXXX. I recently discovered they broke the contract by adjusting my mortgage up 5 months before time. According to the HAMP contact my payments and rates are set. Well, Ditect are sending me mail and calling me stating I am behind onmy mortgage, but I am not. They stated the rate increased was effective XX/XX/XXXX, but if they would have looked at the contract the payment effective day for the increase is XXXX/XXXX/2016. My payments accordint to the contract is {$1600.00}, and my property tax is about {$520.00} a month which is routhly arount {$2200.00}, which is what I sent them ; however when they got me confused I requested help for hardship because they said my payments would be closer to {$22000.00}. Well, I am on Social Security XXXX and get a small retirement check, so I asked for assistance, but when I saw the preditor loan offer I changed my mind. They offered me a deal to save {$70.00} a month, but I would pay an addition {$40000.00} over the life of the loan. Next they said they would file a loss ligation claim, but sent me a bunch of forms to complete that has nothing to do with loss ligation. I would also like to point out before I forget that they sent me an addition bill for my property overage close to {$900.00}, and I paid it so it would not affect my payments. These people are harrassing me. I have not missed or been late on a payment. XXXX sold my loan to this horror place because I asked for help ; however, I did not miss a payment with them and was not late on my first or 2nd at the time. Please help me, the DOJ and XXXX really need to check out this company, something is n't right. My loan number on this loan is # XXXX ; however, they state leave off the # XXXX. When you see the statement all the number 's I typed are on their. ( I have additional documents I can fax to you if you need them to verifty my allegiations )
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Do to financial Hardship I fell behind on my house payments, always trying to pay something. My alleged loan, has already been sold in to the secondary market and is now morphed in to a security. This Company called DITECH is just the servicer to some unknown mortgaged backed Trust with no orders from said Trustee. The problem started when DITECH raised the monthy mortgage payment by {$360.00} in an escrow account causing an undue financial hardship on me. I am in a position now catch up pay up to bring the account current, but I can not pay the {$360.00} per month extra. I pay the property tax and insurance separately. I have faxed them a letter explaining my position and request, which they denied. This is conversion and a felony. The alleged Loan # XXXX. DITECH is not the holder in due coarse of my note and has offered no evidence they are acting on behalf of the trust that does.
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

On XX/XX/2016 Ditech , my current mortgage company, processed my payment that was Due on XX/XX/2016 for {$1000.00}. The check had been written for {$1400.00} in the number box but on the written line I inadvertently written in XXXX XXXX XXXX XXXX XXXX XXXX. Ditech then informed via telephone that I was overdue on my XXXX payment on XXXX XXXX. I checked on my credit union web site and saw ditech had processed my check and recieved payment for the XXXX payment on XXXX XXXX. It was then that it was discovered that Ditech processed the payment for the amount written in the line.The Ditech customer service Representative claimed that Ditech processes checks for the amount written on the line not what is in the numerical box. I was directed to submit a check for {$400.00}, which I did, and that check was processed on XXXX XXXX. I had also sent my for XXXX 2016 the same day without a remittance coupon because Ditech did n't send out on because they were showing non payment for XXXX. The XXXX payment check was Processed on XXXX XXXX, 2016. Ditech then called XX/XX/XXXX asking if I was going to send a payment for XXXX. While I was on the phone with Ditech I checked with my credit union and the XXXX payment had been paid on XXXX XXXX. The Ditech Customer service representative said there was nothing they could do and I needed to send payment. At this point I requested a supervisor and gotten transferred to XXXX at ext XXXX and have only had her working on getting my account straight. On XXXX XXXX I submitted a check for the XXXX payment with absolute scribble written in the amount line and the correct amount written in the numerical box. My credit union processed that check after Ditech took it upon themselves to print in {$1400.00} on the written line and process that check in direct violaton of what I was told several timesof thier policy. I have been trying to get my account properly credited with Ditech through the customer service center to no avail I need help getting this mess straightened out before Ditech processes me for foreclosure.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (GA)

I recently pulled my XXXX and XXXX ctedit report and to amazement, I still see this company name Synchrony Bank/ Walmart account displaying on my reports. I have been disputing this account with credit reporting agencies XXXX and XXXX, but it comes back " verified '' since 2014. I have also contacted the data furnisher as well. They tell me account has been sold, but does not verify/ validate ownership. Synchrony Bank is the company that is listed on my credit report with XXXX and XXXX. No legal proof has been provided to justify the company name being on my credit reports. I have requested information, documentation, validation, and verification. Nothing ever gets accomplished, this company name continues to remain on my credit files with XXXX and XXXX unjustly. It is a violation of my federal rights under the Fair credit reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (GA)

I signed up for an Amazon Prime store card ( for amazon.com ). This card is issued by Synchrony Bank. When signing up, I was told as part of the marketing that I can manage my account and pay online. 

When I went to sign up, I ran into multiple issues. First, I was unable to sign up because the online software would not display my phone number as they require multi-factor authentication. After that was resolved over the phone ( They said the issue was that they had my home number and my cell number as the same number ), I tried to continue. I reached the part of the sign-up process where I am to create the account name and password. Despite following the password rules, ( Uppercase, lower case characters and at least XXXX numbers, special characters allowed ), several potential passwords were rejected. Upon raising this issue with the company, they informed me that they only supported XXXX antiquated versions of XXXX XXXX XXXX and XXXX XXXX or XXXX. I do n't have a way to easily downgrade XXXX, and I tried installing XXXX and I experienced even worse issues. 

I find it dishonest and misleading that the bank would advertise online account management and make me jump though hoops to use it. There is no technical reason why this should n't work fine - the browsers and standards that they refuse to support properly are not new and they have had plenty of time to write software that is compatible with them.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (AZ)

On or about XXXX 2016, I began receiving collection calls and letters regarding credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuers to close the accounts or remove the charges. At the time I believed contacting them and telling them about the identity theft would end the collection attempts and that my credit report would be amended to reflect this occurrence. Synchrony Bank has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Synchrony Bank will be pursued if all negative information is not removed from my credit report.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (CA)

I accepted a credit card off for the Barclays XXXX XXXX. The initial disclosure provided to me indicated a promotional rate of 0.00 APR on purchases ( 6 months ) and balance transfers ( for 15 months ). Upon receiving my card the disclosure provided did not reference the promotional rate on the balance transfers, therefore I called the company to discuss and was told the promotional was only on purchases. Therefore, I submitted a complaint through the bank 's website on XXXX/XXXX/15. After several back and forth responses and a letter received, it was still being indicated the promotional rate is only on purchases. As already expressed this is not what was initially disclosed to me and therefore this is deceptive to me as a consumer as I made a credit decision based on the initially information provided to me that appear to be false. I have provided the link below that provided the terms and conditions of the card that included the promotional rate of balance transfers. My other concern is what other deceptive practices might the bank be conducting. 

https : //www.barclaycardus.com/apply/Landing.action? XXXX & XXXX : //www.barclaycardus.com/app/japply/lp/TnCs.jsp? XXXX
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (VA)

I was offered several 0 % interest rate balance transfers with different expiration dates for each one. I have made monthly payments and when the first transfer was about to expire I paid it off. When the second transfer was about to expire I asked what the balance of the transfer would be. I was told a different amount than what I calculated. I was informed that they could not keep track of where my payments went and the company could apply the payments to any of the balance transfers. My issue is that the company is not honoring the expiration date on each of the transfers and is now charging me interest.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I have an existing credit account with Guitar Center, which was originally serviced by XXXX XXXX. On XXXX, 2015 it was announced a new deal with Synchrony Financial was signed. During the months of XXXX, XXXX and XXXX, I received no statements from XXXX XXXX. On XXXX XXXX, 2015 I received a statement from the new provider Synchrony Financial which had XXXX late charges assessed. When I called Synchrony they did offer to remove XXXX late charge, but resisted removing the other stating that fee was not assessed by them but XXXX XXXX. I 'm filing this compliant against both companies to resolve the issue and to remove any blemishes on my credit reports.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (AZ)

My wife and I have gotten ourselves into too much debt, and that is our responsibility, we understand that. We want to pay off our obligations rather than file Chapter XXXX so we are trying to do credit counseling. We received letters from Synchrony Bank on acceptance to the program, and am shocked at their rates. We are asking for help, not a write-off, and they responded with 26.99 % for JC Penney, 26.24 % for Amazon, 23.15 % for Walmart, and 15 % for Care credit. 

These rates are penalty rate high, not assistance. In comparison XXXX reduced the rate to 0.00 %, XXXX to 5.90 %, XXXX XXXX to 9.90 %. No one else is anywhere close to what you are charging. 

To my knowledge this program is meant to keep Americans out of Bankruptcy, banks actively solicit enrollment and in the paperwork, it even states the purpose is partially to make sure creditors are re-paid. We are fine with that, but these rates are almost Usary in situations like this.