vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I refinanced my FHA loan XX/XX/2016. Immediately after refinancing, my loan was sold to Ditech. XX/XX/2016, I received a tax statement from XXXX County, GA stating I owed property taxes despite having an escrow account with Ditech. I checked my account online and they had the wrong parcel ID # for my property. I contacted Ditech numerous times by phone and was asked to fax the tax bill. I faxed the tax bill on XX/XX/XXXX. I called XX/XX/XXXX to inquire into the status. I was given an update that Ditech had sent a disbursement to the wrong city ( due to incorrect parcel ID ) and that the city of XXXX, GA had sent the check back. This past Friday, I again received another property tax notice from XXXX County stating a lien was going to be placed on my property due to unpaid taxes. Again I called, explained the issue again, they took down the correct parcel ID # again, and I faxed the bill AGAIN. I have also received an unpaid noticed from the city of XXXX and tried to tax that after receiving and the fax would not go through. I 'm attached all faxes, a screenshot showing the incorrect parcel ID #, and all property tax statements.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
My nightmare began XXXX XXXX when Ditech sent me a letter indicating that my property taxes were no longer going to be escrowed and I was going to be responsible for paying my own taxes. Along with the letter was a refund check for {$1900.00} for escrow overages. I called Ditech to inquire about it and they stated yes they removed my taxes from my escrow account and the check that was sent is to cover my XXXX taxes. I cashed the checked and the following month I paid my property taxes. I was excited of the new changes because it meant my mortgage payments were going to be lowered. Little did I know, I was being set up for failure. I find out later that Ditech made an attempt to still pay for my XXXX property taxes which my county did not accept their funds and sent Ditech a refund check XXXX XXXX. Ditech received the refund check cashed it from my county however they never applied the funds to my account. I have been fighting with them to apply the funds to my escrow account and provided numerous proof that I paid my own taxes but Ditech is firm and saying that I still owe them. 

Everything seemed fine and I was preparing to pay for my XXXX taxes this year when Ditech sends me another letter XXXX XXXX indicating that my escrows were short and my property taxes were not paid and they 've paid my taxes for me and I owed Ditech {$2800.00}. I called to inquire again about this matter and they stated to me that it was an error last year that my property taxes were removed from escrow and that it should n't of happened and to send it proof that I myself paid my own taxes and they would resolve the issue. It has been months and nothing has happened with Ditech and now my mortgage payments will drastically increase XXXX XXXX which will put me in a hardship and they claim that I owe them which I do not. Please help, I do not want want to lose my help as I have made my payments every month on time and paid both XXXX & XXXX property taxes out of my own pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I spoke with XXXX XXXX from Green Tree Servicing. This is the company that bought my loan from XXXX XXXX. After trying for a year to do a short sale on my condo, I was forced to keep it because they would not agree to a settlement. After trying to negotiate with them for a year, I decided to rent out my condo because it was going to go to foreclosure. I do not want to keep the condo, and the bank is recognizing this problem, but they can not do anything about Green Tree. Consequently, they continue to ask for documents that they already have. THis has been going on for a year. They continue to harass me with telephone calls and tell me to go to relatives to borrow the money that I owe them. XXXX XXXX told me to ask my " sugar daddy '' for money. He said that they did not want to make an offer because I might have won the lottery without telling them. This was very disrespectful and uncalled for. I find Green Tree to be very unethical and practice bad business habits. Now, I am again back to the beginning with them asking for more documentation. Its just a vicious circle. I can not get an answer from them. I am submitting this complaint, so that someone will answer my questions. I just want a resolution, so I can proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Eagle Home Mortgage, LLC
State: WA

Complaint narrative:
Re : my loan and mortgage payoff. 
It has been over 5 months (! ) since my loan was paid in full. Yet I have not had one word from UAMC re my payment. More importantly a RELEASE REQUEST from UAMC ( releasing the mortgage lien from the title ) has not been sent either to me or to the title company. This delay in sending the release request within a reasonable time of final payoff is ridiculous to say the least. My only clue as to the final payment was simply that it was recorded on the UAMC website as loan closed. Requests have been answered with " we are backed up ''. Actual personnel has otherwise been difficult if not impossible to contact re any problems. This is a company where no one seems to be able to answer any questions and/or it is simply pass the buck time. 

I should have realized this when we were n't even able to figure out where to wire the final funds. My bank had to spend half an hour to try to track down the information ... with a final answer from the VP Treasurer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Revenue Assistance Corporation dba Revenue Group
State: FL

Complaint narrative:
The collection agency " The Revenue Group '' called me numerous times. This morning they called again from XXXX and I answered. They asked to speak to XXXX XXXX, who is my XXXX year old mother. I told theM she was asleep and XXXX. The Representative XXXX XXXX asked if i would wake her up and i said no i would not and asked if i could help them as i am her son. She then explained that she was a debt collector and that my mother owed money to someone - I did not catch to whom - at this point I explained that she had violated the Fair Debt Collection Practices Act by disclosing to me a third party that : A. Who she was B. Who she worked for C. That she was a dept collector D. Who her client is She began to try to talk over me, insisting she had not violated the law. 

I asked for her name which she gave willingly, but I had to ask her a few times for the name of her company and she all but refused to give me her phone number saying " do n't you have it on your cell phone? '' I told her that the number that appears on my cell phone may not take incoming calls and that I wanted the correct number to her company, which after a few more requests she gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I only want Ditech to modify the loan to mortgage only with auto pay. I was told in the last call that they ca n't change the terms on a service contract. ( It 's not a service contract since it has been sold three times to banks before they got it. ) But in the next mailing, they sent me a modification contract to go from 30 to 40 years for me to sign. Why would I sign that? I have sent 6 copies of the same letter asking for the mortgage only change on three different platforms ( fax, mail and website ). They have responded to none.I will not answer their calls because the verbal abuse you get is not how I will be treated. 
All I want is the same contract they sent with the 40 year change to change the service terms to mortgage only with auto pay. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I recently paid off my mortgage from DiTech - PAID OFF - and yet, to this day, DiTech has n't returned my escrowed tax reserve. I 've called - and told it was " in the mail ''. Then there was an issue with " getting the checks printed ''. In short, I STILL do n't have my money. DiTech is holding on to my escrow to this day, and I have no way of knowing if I will EVER get this money back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I was XXXX when this debt took place, It can not be from me.I wasnt released from XXXX until XXXX 2016, can u please remove this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
XXXX and XXXX were in the process of buying a property in XXXX, Florida. The process started around the beginning of XX/XX/XXXX and lasted until XX/XX/XXXX. The mortgage company was Universal American Mortgage Company ( UAMC ), and the loan officer that handled the loan was XXXX. The entire process lasted around 4 months. It lasted so long that we needed to provided the same information ( updated ) over, and over again. XXXX was XXXX, she was put on XXXX around XX/XX/XXXX. She had a XXXX on XX/XX/XXXX and was put on bed rest as well, she was XXXX weeks XXXX. Her XXXX was going to last until the XXXX which was going to be around XX/XX/XXXX. Because of her XXXX on XX/XX/XXXX she was put on bed rest until further noticed from her doctor. Because of the length of the approval process UAMC requested new payments information on XX/XX/XXXX. UAMC saw different numbers from the ones they saw around XX/XX/XXXX. XXXX and XXXX informed UAMC ( XXXX ) that XXXX was XXXX, that she was put on XXXX by her employee, and that she had a XXXX on XX/XX/XXXX. UAMC told us that they were going to disapproved the loan because of XXXX being on XXXX, best rest, and because of that reason she was going to make less money. UAMC told us the only way they will approved the mortgage loan was only if XXXX returned to work, provide proof of she being back to work, and also provide proof of her new payment information. XXXX did n't have other option than cut her bed rest and return to work by the end of XX/XX/XXXX. XX/XX/XXXX was forced to returned to work under pain medicine in order to get the loan approval by UAMC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
WE fell on hards times back in 2012, losing jobs, XXXX, XXXX etc. We took from our XXXX XXXX durning this time period. Family had to move in with us due to their own hardships, casuing our monthly expenses to go up. We just recently fell behind because of these situations. We understand that we can afford the mortgage we know we are at a 30 % debt to income ratio, had we applied durning the medical situations and unemployment the debt to income ratio would have been approved. Our primary mortgage has just been approved for a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We originally had a loan with XXXX. It was serviced by Greentree for a while and now Ditech. We 've had a terrible experience with both Greentree and Ditech. 
In the past I submitted complaints about Greentree with the Department of Business Oversight.Therefore, I 'll limit this complaint to my experience with Ditech. We were making biweekly payments with XXXX and have continued making biweekly payments all along. Ditech apparently ca n't handle biweekly payments. I have spent countless hours trying to figure out what they are doing. There were a couple of months where my balance went up instead of down and they were charging late fees for electronic payments that were deducted directly from our account. As a matter of fact, they should have had excess money, as I recently started making additional payments to reduce the principal balance. Having the extra payment be applied directly to principal reduction is also a challenge. They hold the money in an unapplied funds account. I have to call to make sure they apply the funds towards principal reduction. Every time I call I get different explanations. 
Regarding the late fee, they said that the payment for XXXX XXXX, 2016 was returned. We checked our XXXX XXXX account and the funds were withdrawn. When I called back the new customer rep said that the funds for XXXX were there. Now he says the the XXXX XXXX statement was returned. This was not the first time they claimed a payment was returned and charged a late fee when, in fact, the money was withdrawn from our bank account. 
It is impossible to know how they are applying our payments as they misapply funds and they go back and reallocate the money. On the website you ca n't see the details unless you click on it. Which makes it extremely hard to see the full picture. 
I have requested numerous times an amortization schedule based on biweekly payments, and every time they send me an amortization schedule based on monthly payments. 
At this point I have XXXX confidence on ditech being able to service my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Green Tree Servicing LLC took an extra {$380.00} out of our checking account for the month of XXXX, 2015. Our normal payment is {$1700.00}, Green Tree upped the payment to {$2000.00}. We called and found out that a person with the same first and last name and a different middle name, home owners insurance was paid out of our escrow account. There was {$3000.00} taken out of our escrow and our mortgage payments were re-figured to cover the cost of the {$3000.00}. Green Tree told us we had to pay the extra {$380.00} to cover the amount taken out of the escrow even though it was their mistake. We canceled our automatic payments hoping this would be resolved by XXXX XXXX, 2015. Green Tree had n't collect the money from the other person by XXXX/XXXX/15 so we were required to pay another {$2000.00}. We sent a message to Green Tree on XXXX/XXXX/15. On XXXX/XXXX/15 {$3000.00} was put back into our escrow account. But Green Tree still owes us for the extra we paid in XXXX and XXXX. We were contacted by mail saying that they were looking into the matter and would get back to us in 30 days from the message we sent. We have never been able to talk to anyone other than customer service. Same with our attorney. The attorney called today and Green Tree stated that the money they owe us was taken care of when they deposited the {$3000.00}. back into our escrow account. 
This is the message we sent to Customer Service on XXXX/XXXX/2015. 
I just made another mortgage payment of {$2000.00} for XXXX mortgage payment. I also paid {$2000.00} in XXXX. The normal mortgage payment is {$1700.00}. This mortgage payment was increased because you paid for the other persons home insurance {$3000.00} out of my escrow account. When I look at our escrow account online, it does n't show any of the updated changes. I would like a detailed statement showing the changes. I would also like a check for the amount {$770.00} ( {$380.00} for XXXX and {$380.00} for XXXX ), to be refunded to me to cover the amount taken out of my checking account to cover your mistake. I am paying out of my pocket, for your mistake. This is n't right or just. I have hired an attorney and letters have been mailed and faxed. I have been told that the escrow account ca n't be adjusted until you receive the funds from the other persons account. Please have someone other than a customer service representative contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green Tree Servicing LLC took over my mortgage in XXXX, XXXX, from XXXX. Since then, I was charged monthly " payment '' fees of {$12.00} per payment, and there were several payments made automatically out of my banking account without my direct authorization for those payments, resulting in overdraft fees, in some cases. There were also a few payments made where I questioned the proper application of payment credit towards the principal amount vs. interest. Upon inquiring about these discrepancies to their customer service, they said they would " get back '' to me when they have completed their review, but they never responded back. 
For the record, I have been under extreme financial stress throughout this period of time with Green Tree and I was late on payments at times. Green Tree collection representatives would repeatedly call me at all hours of the day and evening, with high pressure and often " contentious '' dialogue, to compel me to make a payment, forcing me at times to make a payment without having funds immediately available in my bank account, but they did not care, even after telling them that funds would not be available, and they still processed the payments, resulting in further overdraft fees. 
From XXXX XXXX until about XXXX XXXX, I went thru this horrible experience with Green Tree. Ditech Mortgage has since taken over my mortgage account, so far, seems to be more pleasant to deal with but I am still upset with what I went thru with Green Tree. I recently heard about a settlement the CFPB had with Green Tree and I would like to be included in that collective group of customers harmed by this company. Thank you. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/2016, I completed the rehabilitation process of my student loan with XXXX. Rather promptly, XXXX deleted their default tradelines from all of my credit reports as agreed. XX/XX/XXXX, I received correspondence from XXXX ( Sallie Mae ) that my loan was assigned back to them after rehabilitation. This correspondence was dated, XX/XX/2016. I took this as the start of the 30 day clock of notification that my student loan had been rehabilitated and to remove their default status per 34 CFR 682.405 ( b ) ( 3 ) ( ii ). 
On XX/XX/2016, I disputed the Sallie Mae tradelines with XXXX and XXXX. The tradeline was updated on both credit reports ( not sure what was changed ) however the default status persisted. In addition to that, on XXXX a new tradeline was added with the same account number, under the XXXX name with the default status also and tanking my scores! I have since disputed that tradeline which the investigation is ongoing as of today. 
On XXXX, I disputed the Sallie Mae default tradeline on XX/XX/2016. The investigation completed on XX/XX/2016 with an updated status. Like the other XXXX credit reports, the default status remained and is present today. 

The above clearly shows Sallie Mae/XXXX to not only be negligent as the lawsuit filed by the CPFB alleges but also willfully non-compliant.

Company response to consumer: Closed with explanation