vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient held my student loans and through advise to take deferments rather than an income based repayment plan My loans balloned to over XXXX dollars. Navient then gave my account to XXXX, a collection agency who demand payment that could not be made, reported my account as in default to the credit bureaus and garnished my social security check. Multiple phone calls and letters trying to arrange a reasonable payment plan produced no results from XXXX. Then XX/XX/2015 my account was mysteriously return to Navient for servicing ; the process started again. I then consolidate my loans with XXXX to avoid having to deal with Navient. Due to their complete and total mishandling of my loans my loans have soared to over XXXX dollars. This has destroyed my credit rating and has made it impossible to buy a house or even a car at reasonable interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
On XXXX XXXX, 2016 my landlord informed me that Discovercard had contacted him about a payment I owed. This was in complete violation of my privacy as I had never given his name or phone number as a contact for me or my account. In reviewing Discovercard 's stipulations for contact, he in no way whatsoever fit the criteria listed within. Again, Complete Violation of my PRIVACY. Read : Illegal. I called the toll-free Discover card # and the actually nice employee to whom I spoke, XXXX, reported it was general practice for their " skip tracers '' to search any other phone numbers at listed properties and contact them. For the record : I unknowingly was {$27.00} shy my last payment and all current info on my Discovercard account listed my bill of {$120.00} as ( Leading me to believe I was up-to-date ) due on XXXX/XXXX/16. It was only upon calling the automated number that I learned that I owed {$27.00} immediately. I paid this amount, immediately prior to speaking to XXXX. 
Fast forward to XXXX : I paid {$99.00} due on the due date of XXXX which was On Time. On XXXX I began noticing daily calls from a toll free number, so I called it back on XXXX/XXXX/16 and discovered that it was : Discovercard. I spoke with a gentleman who reported that they just like to check in and try to pre-schedule payments prior to due dates ( my Next Due Date is XXXX/XXXX/16 a full 20 days after they began their daily harassing phone calls ) I told him that their persistent calls equate to harassment to which he vehemently denied it as harassment. I requested that he document my request for the contact to cease. He repeatedly continued to offer several options/benefits for arranging payment within the same breath. With each offer, of which there were several, I told him again, and again that I was not interested and requested documentation of this as harassment. I will further document future calls and add them to this complaint as necessary. 
Per XXXX Dictionary : Simple Definition of harass : to annoy or bother ( someone ) in a constant or repeated way What Discovercard is doing equates to harassment whether they are willing to admit to it or not. I am requesting that it cease. I would also like some sort of fine imposed upon them for violating my privacy by contacting my landlord on XXXX/XXXX/16 as their actions were completely illegal based upon their own outlined privacy practices. 


Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I had my home mortgage with green tree. I unfortunately had financial difficulties I tried to explain to green tree but they would not listen. They call all hours to get payment when I tried to explain they would belittle me, or tell me to borrow money. They came to the house to get payment and threaten me. They would call my work. I tried to get a modification they said no. I eventually lost the house. I no longer have my house, it was very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
My county property taxes were raised to about twice their normal rate because the county assessed my property to not be primary residence. Greetree - DiTech paid the taxes for two years without notifying me of the raise. After about a year, they hit me with the bill, raising my monthly payment by {$200.00}. I continued to try and make payments at the new rate and got the money refunded from the county of around {$2800.00} in two payments and sent it in. It took me 5 months to get them to revert the excrow back to the lower rate and even then they still said I owed {$640.00} in back escrow. How can I still owe more if I paid it back and the rate went back down and I kept up on payments. My payments wo n't revert to the new rate until XX/XX/XXXX and I 'm still paying {$200.00} over my original rate. Where is all of this excess cash going? I thougt I should have {$1000.00} or so coming back to me, but they tell me I owe {$640.00} and I 'm still paying at the higher payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My home loan got sold again ( 4th time in less than 3 years ). My current provider is Ditech and was sold to XXXX XXXX. Per notification laws, I am to be notified 15 days prior to loan change. The letter dated XXXX XXXX, 2016, was not recieved until XXXX XXXX, 2016. This leads to only a 9 day notification. Mortgage companies should be required to account for delivery of letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I reached out to Green Tree in hoping to get some answers on a home loan. I was contacted by XXXX XXXX in the XXXX, NJ office. I gave him my social security number, income, address and all necessary information to run my credit. 

He replied back to me with my credit score and that he would get back to me with a financial plan. 

I waited over 5 days to hear back from him, meanwhile the realtor is awaiting this information. I had to send him a follow-up email on the status. 

He stated, " Good luck, you will need it. '' I then got upset because his customer service skills were horrible. I advised him I would never deal with him or Green Tree due to his poor communication skills. 

At XXXX, he then sent me another email stating, " I truly apologize. I did n't like the tone of your email and gave you a nasty reply. It was childish and I was wrong. So I am sorry. I had a rough day, your email set me off, and I made a mistake. 

I thought we did try to help you. If I recall, you said there were items on the report that were n't yours. We sent you a copy of the report so you could see what was on there. We could n't do anything based on the report and your resulting income to debt ratios. So I thought we tried helping you by letting you know what was on there, and apologize if you think we did not. There 's nothing I can do to remove those items. You will have to get in touch with the credit bureaus to see why they were showing up. That seemed to be the main issue and you will have that issue with any lender, as those items will continue showing up on your report. 

Again, I apologize sincerely and hope you have a good night " I am writing you this email so you know what type of employee XXXX is. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
In XXXX of XXXX, I purchased a foreclosed home from Green Tree Services in the amount of {$47000.00}. My mortgage started from {$420.00} in XXXX and is now {$1100.00} effective XXXX. The home was built in XXXX and is deteriorating. I 've been trying to refinance and obtain some of equity ( approx. XXXX ) to make repairs. Green Tree continuously expressed to me that I did n't qualify for a refinance and they do n't do them based on the type of " Loan '' not " Mortgage ''. They said the type of mortgage I have is a " Credit Sales Account '' at 10 % interest. I have been making out of pocket repairs and now the home requires, a roof, painting, heating/cooling etc. in which I have mentioned to Green Tree Servicing over the years. They just kept telling me I did n't qualify for a refinance to take money out for repair. Finally, I was contacted by XXXX XXXX and they which went through the full process of qualifying me for a refinance, processed all document ( title, taxes, etc ). The final approval was based on the home appraisal that failed due to the required repairs. Green Tree provided false information about me qualifying for a refinance. Now I am stuck with this home, stuck in this loan, being denied modifications, deed in lieu of foreclosure option, etc. Green Tree deferred a few payments and then added approximately {$10000.00} onto the loan. My Green Tree Loan initiated in XXXX XXXX for {$47000.00} and the payoff balance is approximately {$45000.00} in XXXX. Can someone explain this? Where did all of my money go to? I received a notice from Green Tree Servicing, now know as Ditech Morgage that my home has been submitted for " Foreclosure '' They are awaiting a date. I feel like a predator. I paid money into this home almost ten years with the balance increasing every year. Now they want to take my home, sell to someone, possibly a member of their company to pull out the equity, make repair and sell it again. Please assist. I 'm a victim her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Debt Recovery Solutions , LLC claiming that I owe {$150.00} to that company, as a result of a supposedly unpaid cell phone bill for an account with XXXX. I contacted Debt Recovery Solutions and informed them that ( XXXX ) I have never had an account with XXXX, ( XXXX ) I have not had a NY address since XX/XX/XXXX ( they said the address for the account was in New York ), and ( XXXX ) that the debt and account are not mine. 

Since XX/XX/XXXX, I have contacted Debt Recovery Solutions on XXXX separate occasions to request that they either send documentation to support their claim that I owe the money ( I know they have no such documentation ), or that the company cease attempting to collect this alleged debt, and that they remove the delinquency report they have made to all credit reporting agencies. Debt Recovery Solutions has not done either of these things. 

In the meantime, my credit has been negatively affected by the false credit reports submitted to the credit reporting agencies by Debt Recovery Solutions. I can not get the company to remove the false report concerning the alleged debt, nor will they provide any support for the supposed debt and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I am submitting a compliant. I have been at my resident for about 20years and is still being accused of owing you way over the amount due. I am requesting that I be cleared from this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
My mortgage company will not automatically terminate my Private Mortgage Insurance even though the balance of my loan is well below 78 % of the purchase price of my home. They want me to authorize and pay for an appraisal which according to the law should not be necessary and I have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Green Tree Servicing had our mortgage and we submitted paperwork for a loan modification several times and we were denied each time. Then Ditech took over our loan and we requested a loan modification with them and were denied, also. We submitted a request to our first mortgage and it was accepted, so we could n't understand why Green Tree nor Ditech would help. Ditech 's interest rate is 10.5 % and at one point we fell behind one month and we have that along with some late fees totaling over $ XXXX. We asked if the interest rate could be lowered and if the $ XXXX could be added to the end of our loan, but we 've been denied. We fell through some hardships and filed for bankruptcy in 2008, but since then we have tried to make all of our payments on all of our bills, but we 've fallen into other hardships and have become over extended credit wise, and my husband is sick and, although, his paychecks sometimes have overtime, there are many where he is short due to leave without pay, because he uses up his sick and vacation time due to illnesses. All we 've been asking for is for some assistance in lowering our interest rate and adding our fees tot he end of our loan. We ca n't refinance because we owe more than our home is worth and because of our loan and credit card debt. I 'm not sure if this is even the place to ask or if this is even considered a complaint and if it is n't, we would greatly appreciate it if you could send us in the right direction. Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Green Tree Servicing LLC has been charge me for PMI insurance months after months, although my principal balance felt below 80 % of the original loan. Not 20 %, My principal balance felt 80 %, Green Tree Still Charge me for PMI. I made many requests to Green Tree to drop my PMI. Green Tree Refused to accept my appraisal. Green Tree told me it needs my authorization for an appraisal, I told Green Tree, it does n't need my authorization, if am paying for the appraisal fee, I should choose my own appraiser. I asked Green Tree Why I can not choose my own appraiser? I did not get a response back. And it still charge me PMI fee every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tormey Bewley Corporation
State: CA

Complaint narrative:
In XXXX I was contacted by The Advantage Group claiming I owed a debt ( {$1200.00} ) to the XXXX for when they brought me to the hospital in XXXX XXXX ( after hospital admittance I had my XXXX. I would later return for my XXXX in XXXX XXXX. ) After I received a bill for the ambulance ride, I contacted XXXX and they said they would pay and not to worry about a thing. Imagine my surprise when a year and half later ( XXXX XXXX ) a debt collection company is calling me. I contact XXXX and they said they had sent me a check to pay the XXXX, I told them that I never received a check and that was verified because their accounts showed that the check had NOT been cashed. They said they would cancel the check and send out a new one immediately. Weeks go by and I still have not received a new check. I call and they say do n't worry, it has to go through their finance department and it would be sent out soon. This exchange would continue for a couple more months until finally someone at XXXX tells me the entire check has been cancelled and the MONEY HAS BEEN RETURNED TO YOUR GROUP. The end. They can no longer help me. So I contact the Benefits representative at the company I used to work for, XXXX XXXX ( XXXX XXXX ), XXXX XXXX. I explain the situation to her and she says she will figure it out for me. A week goes by and I hear nothing. I start calling her on a WEEKLY basis trying to get some sort of answer, every time she answers ( when she answers ) she responds with " I have your number, I will call you. '' The last time I talked to her was in XXXX. In the meantime the debt collector informs me that they have reported it to the major credit bureaus and the debt amount is increasing. I verify this information- and sure enough, they have dinged my credit. So I pay the debt, ( now {$1400.00} due to late penalties ) hoping that they will take the report off of my credit as soon as possible. I have been working on my excellent credit for 15 years. There is some sort of LIMBO between XXXX XXXX and XXXX and neither one is budging on refunding my money and correcting the blemish on my credit. What I think happened was XXXX up and did n't realize they had an outstanding check that had not been cashed for over a year, and upon realizing their mistake, they cancelled the entire thing and left me without a way to pay the XXXX. THEY were supposed to pay them- they already had a check ready to go, but for some reason I never received it. And instead of issuing me a new check, they supposedly gave it to my benefits group- to a company that I no longer work for and I have to pay for this debt that IS NOT MINE out of my own pocket and take a credit hit for it.

Company response to consumer: Closed
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I am assisting a veteran complete a short sale on his home. Ditech is the loan servicer and its a VA Loan. I have submitted the short sale package along with an offer to Ditech XX/XX/2016. Ditech has failed to respond to the offer. I need assistance with this request. I have attempted to escalation this file with Ditech directly with no success and I called VA directly seeking assistance - but they did n't offer much help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I was forced to do a Short-Sale of my home by GreenTree Mortgage Servicing which is now Di-tech by misleading practices. I was given 90 days to do my short sale per our agreement. After the sale my home within that time it shows that I was 90 days late by Di-tech. I have tried to resolve this issue with them and they have ignored my request. I have also disputed the item with all 3 credit bureaus but no change. Attached is the letter from CFPB proving the mishandling of accounts and fraudulent activity by GreenTree. I would like this item removed from all 3 credit bureaus as it is affecting my credit score and it should not be there in the first place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech Financial LLC, the merger with Greentree Servicing, is harassing me by falsifying that it does not have my XX/XX/XXXX borrower 's assistance application. 

First for over 30 days Ditech caused my unnecessary stress and expense by refusing to acknowledge receipt of my borrower 's assistance form despite my repeated certified letters asking them to acknowledge receipt until Making Home Affordable called. 

Then Ditech harassed me by trying to make me submit a new borrower 's assistance application removing child support because it helps me. So, Ditech is falsely claiming that I have not submitted an application because it does not want to process my borrower 's assistance application for HAMP that it received on XX/XX/2016. 

Then Ditech harassed me by claiming that line XXXX of my IRS XXXX was blank when it was n't. Ditech provided a different address and asked for a new IRS XXXX just like it was trying to make me submit a new borrower 's assistance form. 

Then Ditech harassed me by creating several different addresses for loss mitigation to try and create plausible deniability that it had not received my XX/XX/2016 borrower 's assistance form proven by the tracking information. 

Ditech harassed me by falsifying it needed 30 days recent pay stubs that did not exist to keep from processing my borrower 's assistance application for HAMP. 

Then Ditech harassed me by misrepresenting its XX/XX/2016 denial for HAMP due to my housing to income ratio being XXXX % instead of XXXX % because Ditech would not remove child support as if it is denying my current XX/XX/2016. 

Then Ditech harassed me by theatening that if I do not accept their alleged missed payments they claim happened over two years ago that I will not be in imminent default while they are misrepresenting my current housing to income ratio. 

Ditech harassed me by not providing me a dedicated representative for loss mitigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation