vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I am writing this complaint in hopes someone can help me. Green tree bought my loan off of XXXX which is now Ditech. I was late by XXXX days they started XXXX my phone day and night ... constantly..I asked if i could do a modification because I was going threw a tough time they said oh sure, no problem..i got everything gathered up that I needed and faxed it, they said they never got it, next day same deal i fax and they started to ignore me, stating they never recieved it, this went on for XXXX weeks. as i was keeping the fax confirmation stating it went through, They ended up denying me for a modification, harassing me to get out and would ask me if i wanted to keep the property. I asked them what my options were since the modification did n't work out they said i could do a deed in lue ... asked them exactly what that was..they said a short sale. I needed to remove everything from the house, not even a coat hanger left in the closet and i would be approved for this for sure. So I did, moved everything out that weekend ... Called them monday to let them know and the phone calls stopped and could not get ahold of them. Kept trying and trying and nothing. Finally got ahold of someon who would talk to me, said i was denied a deed in lue! after i did what they said moved everything out ... they denied my modification and now this. I went back to the house only to find a lock on the doors and can not get in. They got what they wanted me out with denying me modifications or this deed in lue. Its been over a year and they keep sending me statement of how much i owe them and they have since put insurance on the property saying i owe that!!!! 
I delt with harassing phone calls day and night from these people ... .for months, did modifications that i was denied only after i faxed them XXXX times and told to move out and do a deed in lue, did that,,, ,denied ... .then they lock the doors and send me more papers to do a modifcation..someone plz 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 2015-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
My complaint is with Ditech formerly known as GreenTree servicing LLC. I was informed by my Realtor on Saturday that he pulled up auction as he does and my home was listed to go up for auction on Monday XX/XX/XXXX. My home had been up for short sale and has some potential offers coming through. I made contact with Ditech Monday morning XX/XX/XXXX and talked with a rep and asked if sale could be postponed so my realtor can drop price and get an official offer. I was told by the XXXX rep that she will send to upper management and will callback within a hour. No callback so I called and was told still had not heard anything and that I should try back. I called back 2 more times and they new nothing. I called Tuesday morning and talked with my normal Rep XXXX. She looked over case and asks the normal questions is it your intent to keep the property as they do every time you call and I have been since XX/XX/XXXX been saying no its up for short sale. I asked her about auctioning of house scheduled for XX/XX/XXXX and that we have not received any notice and that only reason that we know if because of realtor seeing home on auction list that he gets. She said that we notified your realtor. I said no you didnt and why would you tell them and not send some sort of notice to me the homeowner. She then bags off and says well we cant speak with you because your intent is not to keep that property. I said that has been this way since XX/XX/XXXX and you all have called me 2-3 times a week. XXXX then states that they can talk to me if I call them. I told her once again they have been calling weekly. XXXX hangs puts a manager named XXXX on the line who tells me that my short sale was denied back on XX/XX/XXXX. I informed her that I was not under short sale then. She then tells me that it was denied XX/XX/XXXX. I told her I received a letter from them stating that my modification was denied and that I have other options such as Short Sale or Deed in Lieu of. I am supposed to be doing Short sale so what is problem. She said oh well nothing we can do. I then asked her when was I gon na be notified that house is up for auction and she tells me oh the sheriff will serve you or you will receive certified mail. Neither has happened and auction is on Monday XX/XX/XXXX and its XX/XX/XXXX. This is not the only issue with Ditech formerly known as GreenTree. I have never received notice that they were taken over by Ditech as recovered by law. I also have not received a statement from GreenTree/Ditech in almost 2 years. I have filled out modification paperwork over 7 times only to be denied each and everytime. The have violations they have committed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have a rental property that is now vacant. I can not afford it. The tenants left with 4 months of rent due. After the tenants jumped XXXX, my husband and I were helping my daughter and her XXXX children. I am now retired. Green Tree Servicing service this mortgage. I contacted a realtor and begin applying for short sales starting 18 months ago. I had to fax information and so did the realtor. We got a short sale approval then we were told we did not get a short sale approval. We needed to start over again. I had done everything they told me to do, the few times I have talked to someone I was told to leave a message with my account representative. I have left messages sent emails and left more messages. I got a supervisor 's name left messages and included her on emails. Collections continued calling, we would tell collections we are doing a short sale they would not know because one department area does not know what the other area has on file.. Personnel changes did not help the situation. In these XXXX months I have had XXXX different persons working with my account, if not more. We went to court ( XXXX/XXXX/XXXX ) and Ditech Foreclosure XXXX was present, I told her we have had offers on the property and have not heard from Ditech. She said she did not know anything about that in her area. My realtor told me they sent the offer to Ditech. I physically handed her ( the specialist ) a copy of the offer there at the courthouse. She said she would image it. I called ( approx. XX/XX/XXXX ) Ditech they said they did not see the offer. I called the Foreclosure Specialist she checked the file and the offer was there and had been there since XXXX/XXXX/XXXX. This has been the same kinds of scenarios we have had to endure all these months. Last week I was told by my realtor that Green Tree, who is now Ditech, actually called and I needed to fax more information to go forth. I faxed the information and I am waiting to hear from Ditech. Yesterday XXXX/XXXX/XXXX I got an email The buyer now wants their deposit back/withdraw their offer for the property because of the length of time this has taken. The house goes to foreclosure XXXX/XXXX/XXXX. I do n't want foreclosure on 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 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Fin Crt Nwt Accounts # XXXX & XXXX, are the same accounts. It was on their as XXXX separate accounts at one point. I requested them to be looked at XXXX months ago by credit bureau as duplicates. Financial credit and I have been going around for years. I pay an account. They claim it was for a different account. Give me every excuse in the book why I 'm wrong. I paid on a different account. Then they Make another account look like its a new account when it 's well over XXXX years old if not longer. XXXX women collections staff members are very unprofessional. Talk to you rude and very disrespectful. I had to stop answering my phone due to them raising my XXXX XXXX and getting angry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
I had XXXX done at the Hospital XXXX. I received a statement from them stating that I owed XXXX I called the Hospital and explained I would need a payment plan to pay the amount I owed. They sent out paperwork that I filled out and returned to them. After waiting and not hearing anything I called them back 2 times to try to find out about a payment plan. I was told both times not to worry, that they were overwhelmed and would get back to me. I received a phone call from the Revenue Group stating they were taking over my account. We agreed on an amount and I was told they would send out a statement in a couple of weeks. 
I received a phone call from the Revenue Group about a month later asking me why I have n't paid on my bill. I told them I was waiting for a statement from them. They informed me they sent out XXXX statements. I never received these statements or any kind of validation notice from them in the mail. I verified my address with them over the phone. In good faith I sent them a check equal to XXXX payments and reminded them that I still have not received any type of paperwork from them. The check was cashed about 2 weeks later. As of today we have not received a receipt, validation notice, or any kind of written statement from them. If they are sending them out, I am not receiving them. I do not wish to be called by them again insinuating I am not paying my debt. I am more than willing to pay what I owe, but I would like some type of receipt or statement proving that I am sending my money to the correct place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
My ex wife took out a modification on the original mortgage without my signature. Ditech Financial LLC. When I contacted them they told me my name should have been on it as well as other banks told me the same thing. I am remarried and live with my current wife at an apartment that we have lived for 6 years. I pay XXXX per month and I am trying to take out a mortgage but Ditech continues to report negatively to the credit bureaus as my ex wife does not pay her bills on time as they know that i do n't live nor see the bills that go to that home. The only reason i found out is by trying to get a mortgage and I saw the modification and have spoken with them and they have been horrible as far as sending me the proper paperwork. They know they made a mistake by doing the modification without my signature and it is holding be back from moving, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
Upon reviewing my XXXX and XXXX Credit reports, there are XXXX XXXX accounts that have been placed Debt Recovery Solutions for collection. Both of these accounts have an open date of XXXX XXXX, 2014, XXXX with a balance of {$1300.00} and the other with a reporting balance of {$780.00}. These accounts I am unaware of and they do not belong to me. Im also uncertain of how XXXX extremely high balanced accounts can be opened on the same day? I never signed or authorized any services from XXXX.

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 2015-11-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech aka Greentree has ripped me off with unsubstantiated late charges and other " mystery fees ''. When contacting them I spend hours of my life on phone. 
It is really very simple ; I have a schedule showing payments always made within the grace period. I have until XXXX of the month to pay. In cases where the XXXX falls on a non banking day that is supposed to roll to the next banking day. Not with Ditech / Greentree. That 's just another opportunity to rip off customers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
See your law suit against Greentree I have fell victim of this aweful company. they '' dual track " while i was going through a loan modication. greentree added thousands of dollars to my account knowing i could n't pay it thats why I requested loan modification application. I went from {$740.00} behind to {$8000.00} now i have to come up with {$9400.00} in order to get my home back, They stole my home. kick me and my grandson out on the streets last month. I have had this mortgage since ,XX/XX/1993. This is wrong and immoral. They lied to the judge to get this foreclosure through I have documents to prove it..I mail copies to your office last week please review. I have the right to defend my property against this evil company. My next step will be The media \ civil right activist to expose this company again .... Evicting a little boy that was born a preemie and now experiencing separation anxiety from losing his home ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
Submitted modification application in XXXX to my mortgage company Ditech. I have place numerous call and sent email to obtain my status and nothing. I received constant runaround all the while the clock is ticking and I am falling further behind with my payments. It seems as though the company is trying to reach foreclosure as they are certainly not trying to help me with this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
The Honorable to CPFB : I write filling out of extremely dual complants of unfit XXXX resident report to XXXX. XXXX & Speaker XXXX XXXX address along with Chase Bank addresses XXXX XXXX XXXX and XXXX XXXX in XXXX of horrible dishonored address of XXXX XXXX XXXX as they rejected me of a reward {$300.00} in recorded notice as I felt discomforted with Chase Bank. I complained with XXXX assigned me XXXX was past customer so a past customer signed up Chase account as I received a message from Chase Online Identification Code XXXX Enter online at prompt or in password filed at logon. Tell XXXX changes my mobile number at immediate action as local XXXX staff ca n't trust me as they refused to change different number due of unfitted XXXX resident notification to XXXX. Senators at formal requests. I felt dishonored by Chase Bank which they turned me down Bank application through online as went to local XXXX Bank that most male staffs acted in rudeness as do not interest in my ugliest appearance why I walked in Chase Bank in last month of XXXX 2015 as they made me in dishonored message so I left Chase Bank looks more unfriend society. I can not alone in Chase Bank telling XXXX Male Attorney, as they laughed at me in looking isolation as they may not like me to be around and in Chase Bank situation in XXXXXXXX and XXXX XXXX. Most of male officials at Chase Bank in XXXX XXXX and XXXX XXXX, and XXXX Bank in XXXX XXXX avoided and unfriend society and do not allow meeting me helping as they gave me full of extreme dishonored messages. They made unwelcomed me in Chase Bank at XXXX XXXX on XXXX XXXX and XXXX XXXX last month of XXXX 2015 as extremely avoided me in ugliest appearance as they do ignored strongly as most employees in bad aggressive against XXXX XXXX XXXX. I am victimized harmed from Chase Bank officials in rudeness against XXXX XXXX XXXX notifies to XXXX. Senators and Speaker XXXX XXXX in XXXX XXXX forward responses to XXXX Elected Officials allowing report to appoint to XXXX Male Attorney why reported to XXXX. XXXX XXXX XXXX in your following up report responses in enforcement law seriousness matters what I was harmed not appreciated with Chase Bank turned me away from them!

Company response to consumer: Closed
Consumer complaint received 2016-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a follow-up to case numbers XXXX and then XXXX. Chase has been holding funds for a check for {$3500.00} in a suspense account since XX/XX/XXXX. Based on response from XXXX, in which Chase suggested that " You and the maker of the check can visit one of our branches with two forms of valid ID to verify issuance of the check '' ( which was repeated to me on the phone, and at visits to Chase branches, and seems absurd, and is the basis of case number XXXX ), I took the day off from work on XX/XX/2016 and traveled an hour and a half each way by subway and the XXXX to XXXX, NY ( copy of XXXX ticket attached, and phone conversation with Chase fraud department from XXXX branch on record ), to meet the maker of the check and we proceeded to the nearby Chase branch in XXXX. We both presented out identification to a manager, as requested, and of course signature on maker 's ID matched signature on check canceled check that maker had brought along, along with his statement from XXXX showing check had been paid to Chase back in XXXX. The manager called Chase fraud department ( Chase 's term for this department is " executive offices '' ). Nevertheless, this department refused to release the funds. 

I missed an entire day of work, on top of the countless hours spent on the phone and visiting Chase branches ( on XXXX where check was originally deposited to my account with a teller, and downtown where I work ) in the weeks and months following the initial deposit. 

Not only is Chase still holding the funds, they continue to refuse to let me know the basis of the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My LLC called XXXX XXXX, XXXX filed bankruptcy, signed a Stipulation with Chase, and successfully got out of BK, on XXXX XXXX, 2014. Chase refuses to follow the orders of the XXXX Court. They refuse to honor the split or bifurcation of the loan in XXXX parts, a secured part and an unsecured part. Because the unsecured part had a Court approved dividend of 2 %, which is very low, Chase made a fraudulent XXXX stating that they cancelled the unsecured portion of the loan. They are defrauding the IRS with this false " credit '' for their tax return, and defrauding me by stating that I have to pay Income taxes on the so-called Cancellation. XXXX XXXX XXXX. E-mail : XXXXXXXXXXXX. My mailing address is XXXX. XXXX XXXX. XXXX XXXX, CA XXXX Chase Loan number XXXX Property address ( but not mailing address ) XXXX XXXX XXXX. XXXX XXXX, CA XXXX ( Loan has supposedly been sold to XXXX, but is still serviced by Chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XXXX, XXXX I charged {$990.00} on my Chase Visa for advance services XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, MA. I tried to call and make an appointment from XXXX through XXXX of XXXX and utilize the remaining credit - {$660.00} out of {$990.00}. Unable to reach anyone for months by phone, I stopped by the location and found the owner, XXXX XXXX, in a vacant shop with files strewn everywhere. XXXX relayed to me that her co-workers had rerouted the credit card machine and taken advantage of her absentee management. She had to let everyone go and was closing the store. Her attorney called while I was present and she was clearly distraught. I asked her to look for my file and she could not find it. XXXX days later I called Chase Visa 's fraud department and asked the balance I was unable to use ( {$660.00} ) be removed since I was unable to collect the services. Chase VIsa sent a postcard months after I filed a claim ( attached. ) Chase Visa did not respond to my request until the following XXXX of XXXX. A rep from Chase Visa called and said they had contacted a woman at XXXX XXXX named XXXX who claimed she could honor the charge. In XXXX of XXXX, I went by the store and explained I had a remaining credit from prior management. I asked her to consider crediting the amount as I did not want to patronize the business, but she would not. She issued me a gift certificate for {$660.00} XXXX attached ). The next week, I called to set up an appointment. I got no answer. I dropped in person by again and a huge sign stated " Closed for Good '' was posted on the door XXXX attached ). I called Chase Visa fraud on XXXX XXXX, XXXX and told them there was no one to honor the charge. I sent a photo of the closed store and a picture of the gift certificate I was unable to redeem. On XXXX XXXX, XXXX Chase sent me a letter saying the charge would be honored and I had to pay the {$660.00}.

Company response to consumer: Closed with monetary relief