vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I refinanced my home, my old mortgage company, DiTech, marked my account status as.. Paid/Account delinquent 60 days past due date/Late 60 Days, on my credit report. I have never made a payment 60 days late. I called DiTech and they gave me a fax number to send my dispute to them. The lady also said she does not show that I was ever 60 days late. How do I get this off my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Harrasing and degrading phone calls .On XXXX/XXXX/2016 my mortgage called my work cell number after my numerous requests to stop contacting me through this number, As my employer does not allow these types of calls. my mortgage company has the number to reach my spouse to handle these calls. I contacted my spouse, to call the mortgage company. My spouse got in touch with our account rep, the representative proceeded to tell her my account was past due and i had to pay immedietly. When my wife told her when we could pay the payment the rep. stated we had to pay XXXX my mortgage is only XXXX, when my wife told her we could only pay the one full payment she stated, '' you need to sign your house back over to us because you obviously can not afford a home " this is a direct qoute from our rep. We are only late for the month of XXXX. The only reason we got behind was from the mortgage company drafting a XXXX payment out of my checking account after my last payment was already paid. this of course put my checking account in the negative causing over XXXX in over draft fees. It took my mortgage company a week to refund there mistake. being a family that lives week to week of course this put us behind. The told us they werent responsible for any overdraft fees and with limited funds i could not afford an attorney, So that left us trying to dig outta a hole they created .And luckily We have names, dates, reciepts as proof that this is not a fabrication of events. This IS how Ditech mortgage handles business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I AM CURRENTLY ON HOLD WITH DITECH. I HAVE BEEN ON HOLD FOR 54 MINUTES AND IVE ALREADY SPOKEN WITH 3 DIFFERENT AGENTS WHO KEEP THROWING ME AROUND TO DIFFERENT DEPARTMENTS. 
I AM CALLING FOR STATUS ON MY LOAN MODIFICATION AND NO ONE CAN GIVE ME INFORMATION OTHER THAN I NEED TO TRANSFER YOU TO A DIFFERENT DEPARTMENT. 
I BELIEVE THAT DITECH IS UTILIZING ILLEGAL TACTICS TO CAUSE MY MODIFICATION TO FALL OUT OF REVIEW AND STEAL THE HOUSE FROM UNDERNEATH OUR FEET. 
IF THIS IS LEGAL ITS DEFINITELY NOT ETHICAL.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Homeowners was granted a HAMP modification by GreenTree, but his XXXX statement reflects an amount that is $ XXXX/month more than the Total Monthly Payment amount listed on the HAMP modification. We called GreenTree to inquire into the discrepancy, but they told us the loan had been transferred to XXXX, and we must therefore ask them. When we contacted XXXX, they told us to ask GreenTree, as they would n't be able to answer that for us. I contacted GreenTree again, and was once again told that I needed to talk to 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 2016-03-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: United Home Loan Services Inc.
State: NC

Complaint narrative:
I have been harassed by United Home Loans of XXXX for a bogus loan that I never signed any contract for. I moved here from XXXX in XXXX XXXX, XXXX to a Lease to Own four year lease, but the home was not livable when I moved to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I had taken them to court and had won the complaint and was awarded all my funds I had given to XXXX to secure the lease to own. I had only was awarded my {$1400.00} back without any regards to the expenses of having my electronics and furniture exterminated and moving expenses to another livable home. Since the court order, I have been harassed for payment of a {$50000.00} home loan that XXXX had contracted out to United Home Loans that I never knew about or signed any contract with. The website of XXXX XXXX XXXX XXXX states that their homes are purchased from foreclosures and repaired by their own maintenance team to livable condition, but this home was not even seen by them to do any repairs or exterminate before I moved in. I tried negotiation with XXXX to pay for foundation repairs that were the most dangerous of the home along with bad dangerous wiring that had shorts in the crawl space that was dug out making the house collapse. Mean while I had done some foundation stabilazation and plumbing and electrical repairs and had sent XXXX bills to XXXX for labor and Materials which was a small charge of {$600.00} to do and they refused to pay. 
The furnace was leaking from the control valves inside the furnace and almost burned the home down before I found out. The home should have been condemned before renting it out. Now since getting involved with XXXX and winning in court, they have hired UNITED HOME LOANS XXXX to do their billing to me for {$50000.00} loan I do not have any contract with. I had informed UNITED that I do not have any loan with them and told them to cease and desist their attempts to collect on a debt I do not owe, but they still send me notices every month with late fees of {$75.00} and claim I owe over {$3400.00} in the XXXX XXXX XXXX billing invoice. I would like to get treble damages from UNITED HOME LOANS XXXX in the amount of {$150000.00} plus and legal fees and court costs. Since XXXX had initiated this whole scam, I would like to get Treble Damages from them also for pain and suffering and material costs of work rendered on the home at XXXX XXXX XXXX XXXX, XXXX XXXX. to be able to move into safely when we arrived.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: WI

Complaint narrative:
They repeatatively call out business, no one there when I answer, when we call them back to have reps remove our phone number, the reps refuse to remove our number from their list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech applied my loan payment to escrow. I did not ask them to do this, nor did I authorize this. The payment was posted XXXX XXXX, 2016 in the amount of {$720.00}. I contacted them on XXXX XXXX, 2016 because they are showing me as past due, which I am not. They show me as next payment due XXXX XXXX, 2016 which is incorrect. They were to have " reallocated '' this misapplied payment and as of this writing they have not. By tem making this error they affect my pay for performance ( timely payments ) incentive ( which to date they have never fixed, despite responded XXXX XXXX admitting they owe me this ). Regarding my current issue they need to fix this immediately and correct the misapplied payment and show my account as current. Also, they have yet to notify me of my new and correct monthly payment since having the lender based forced flood insurance requirement removed. They muddle what my actual payment is so that nobody can make sense of it. I do not know what I am supposed to pay these people every month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
, My mortgage company added {$1000.00} onto my yearly payments stating that my real estate taxes were upped. I sent the DiTech company XXXX statements from the city showing that my taxes were not raised. Di tech said they never got the statement about the bill. Di tech wants {$80.00} a month more.I sent my XXXX payment but XXXX XXXX refuses to recognize the payment. It wants {$1000.00} as of XXXX XXXX. The company refused recognition of the payment cashed by them on XXXX XXXX. They started foreclosure on me saying I was 30 days late. They want an extra {$54.00} on my payment plus late charges which accrue each month because they refuse to change the due date on the payments. I called FHA they said there was no restriction against changing a loan payment date even though Ditech told me it could not be done. Today a paper was left on my door from Ditech. There was no envelope and no stamp which showed that a person showed up on my door step. I consider this a threat against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
On XXXX XXXX, 2016 we faxed a settlement of debt ( XXXX mortgage on a house we no longer own ) request to Ditech Financial to the fax number they had provided us during an prior phone conversation. 

A letter dated XXXX XXXX, 2016 from Ditech Customer Service stated that they received our correspondence regarding our account on XXXX/XXXX/16 and is currently under review. That we should expect to receive a response within 30 days from the date they received our correspondence. 

Then a letter dated XXXX XXXX, 2016 from Ditech Customer Service XXXX stated that our request has been forwarded to the appropriate department for review. That we may contact XXXX XXXX at ( XXXX ) XXXX extension XXXX or XXXX XXXX at extension XXXX for further information regarding our request. 

Then a second letter also dated XXXX XXXX, 2016 from Ditech stated that they are in the process of reviewing our written request and that their research has not concluded. That the purpose of the letter is to notify us of their ongoing investigation in an effort to provide a resolution. Again, any questions call XXXX XXXX XXXX XXXX. 

We have called and left messages on the following dates with NO response XXXX/XXXX/16 XXXX a.m. 
XXXX/XXXX/16 XXXX ( XXXX ) XXXX/XXXX/16 XXXX ( XXXX ) The only " correspondence '' we have received from Ditech is our monthly statement, which we continue to pay due to not wanting to damage our credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC

Complaint narrative:
In XXXX XXXX my loan was paid off due to the sale of the property and during closing I made an over payment in the amount of {$780.00} to Ditech. This over-payment was refunded to me by check, ~ XXXX dated XXXX XXXX XXXX. The check was subsequently lost in the mail so I contact Ditech in XXXX XXXX to have it re-issued. It is now XXXX XXXX and I still have not received the money owed me. I contacted Ditech in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX and XXXX XXXX to find out why I still have not received my money. I have spoken with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX all of whom assure me that a check had been re-issued and would be mailed out within the next 30 days. XXXX, who is apparently the supervisor gave me his personal number and confirm an electronic payment would be made on or about XXXX XXXX. This still has not happened and he is now not accepting my calls. I have left him numerous messages. No one from Ditech has made any attempt to contact me regarding this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCalla Raymer Leibert Pierce, LLC
State: IL

Complaint narrative:
On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
This is my third application to Ditech and formally name Greentree for a mortgage application but this company only delays and gives excuses for modifying loans but will not do the necessary work instead and trying to run out the clock. I submitted the application for a modification two months ago as well as the documents they requested. I told them the only documents I can not provide are taxes for 2015 because they have not been done. But I signed the transmittal. I sent in my pay stubs and all other documents. The say that my application is incomplete. They call my number 100 times a day but not about the loan modification which by law they are require to do but for payment for an ever increasing rate for the loan which is about to reset XX/XX/XXXX. I am having a difficult time paying for it now so I want to modifying before it becomes even more difficult for me to pay. I have asked them for the payment schedule for the reset. But they decline to provided me with the information. For the past 3 months, my Client Rep have changed -- the latest person I see is XXXX XXXX who just calls and hangs up. This company is just trying to foreclose and not helping in my situation even though they are require from law to help. I am enclosing the most letter the sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have a mortgage that was bought by Greentree and then Ditech. I pay my mortgage monthly by auto-payment with my credit union. I pay early by 2 weeks and I also pay over the Principal and Interest. On XXXX XXXX 2015 I paid for XXXX. Ditech put all of the money toward principal instead of making my mortgage payment. They then claimed I was late and started charging me late fees. I called Ditech on XXXX XXXX 2015. I also emailed them. During the phone call they said that they could n't fix it! They then tried to send me a check for the late fees. I told them NO I wanted it all fixed retroactively and the funds applied correctly. The supervisor came on and then said they would fix it in a week. It is now XXXX XXXX 2015 and it is still not fixed. Ditech has failed to fix the problem and the latest payment info shows that they have failed to correctly credit my account. They are also not applying the interest on my mortgage correctly. Ditech has committed fraud with my mortgage and is failing to credit my account correctly. I want my account fixed retroactively with correct credit on interest, especially when I pay additional on the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I am a XXXX. Bought a home in XXXX, and have NEVER been late with a mortage payment in 20 years. I called Ditech ( the current bank who holds my loan, since it has been sold to XXXX different banks in the last few years ) to request the {$5000.00} " XXXX '' incentive and to discuss refinancing my loan on XXXX/XXXX/XXXX. Since then, I have called on several occasions ( too many to list here ) to see where I was in the process. Ditech has given me the run around, sent more paperwork for me to fill out, placed me on hold incessently, transfers me to other agents, and I NEVER receive an answer. During XXXX conversation with a male agent, on XXXX/XXXX/XXXX, the agent told me they were holding the {$5000.00} incentive, and instead would give me that performance incentive as well as another {$5000.00} XXXX XXXX incentive next year in XXXX. I knew that was not part of the incentive program, and not true, and they were just putting me off once again. After five months, I still have not received conformation that I will receive the " XXXX '' incentive of {$5000.00}. 
What is a consumer such as myself supposed to do? The time is almost up for the program, and after 20 years of faithfully paying my mortage on time, Ditech has effectively put my request on hold until they can say, " too late ''. I have done everything they have asked of me. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: World Acceptance Corporation
State: MO

Complaint narrative:
Reporting on my credit report when ex wife took over the debt in divorce decree. Needs removed from my credit report as it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Ditech Mortgage notified me on XXXX/XXXX/016 that our loan was eligible for a modification. I requested that they lower our interest rate and modify our loan to lower payments. The additional requested documents were faxed to them as requested on XXXX XXXX, 2016. 

I recently checked their website for status of modification and it shows they were unable to approve our modification, however I have never had XXXX call from these people since this process began, never been asked XXXX question, or for any documents, other than by letter which I complied with. I want to know why they are so inept at processing a modification, that should have been good to go according to their letter dated 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 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Eagle Home Mortgage, LLC
State: MN

Complaint narrative:
I was approved by Universal American Mortgage Company ( UAMC ) for a jumbo mortgage at 4 %. I was provided a cash to close summary and a good faith estimate. Without notice and just 23 days prior to closing I was told that my rate was 4.5 % yet rates had not changed in the marketplace. Facing being homeless, I locked in at this rate and was provided a new cash to close summary and good faith estimate to cover UAMC 's tracks. I was told the reason for the change was due to a drop in my credit score and some reference to a non-existent business loss. While there was a drop in my credit score from XXXX to XXXX, the XXXX still exceeded to requirements of the loan when I first applied. There was no loss in my business which the IRS can attest to based on the taxes paid to them on profits as an XXXX XXXX UAMC 's bait and switch tactic will cost me over {$38000.00} over the life of the loan. They are crooks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
a mortgage co bought out my mortgage and kept putting partial payments in an account they called " unapplied funds '' even though I told them it was extra principle over and over again. when they finally applied the funds correctly, they cheated by not applying them to the correct month. as a result the discrepancy continues growing each month despite my constant complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PAY-O-MATIC
State: NY

Complaint narrative:
This debt collector has called me several times a day for the past week. I have recorded each time they have called and emailed me. They have emailed me at least twice a day on a daily basis. I had explained to them the payment process my company goes through before issuing a payment and that I will call to make the payment. The collector for pay-o-matic continues to call constantly, interfering with my daily work routine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Ditech mortage claims is not releasing funds for a home repair in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation