vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
My loan was originated XXXX XXXX, 2006 with XXXX XXXX XXXXXXXX Lender. The interest rate at that time was 8.5 % on an adjustable rate mortgage which I expressed was high but the Loan Officer with XXXX Mortgage assured me he would refinance the loan in 6 months to a fixed rate. Well to no avail, I 've been trying since 2006 to get help with this loan because the interest rate is now 11.13 % which is totally ridiculous. This Loan Officer also falsified information on this loan as well. He stated this home was my primary residence which he knew it was n't since I live in XXXX and the home is located in XXXX where my Sister resides and has ownership interest in the home. I simply want the interest rate lowered so the payment is affordable. I 've applied numerous times for a loan modification and been denied for so many different reasons including, it 's not your primary residence, you make too much money, now I 'm unemployed the excuse is my credit score is too low and the income provided is n't enough which was a rental income option Di-Tech suggested and still turned me down. These companies play the paper game and have no intentions of helping the consumer. I have yet to know who the actual note holder is. XXXX XXXX XXXX denies being the owner, as well as Bank XXXX who XXXX said they sold it to. This home is probably worth $ XXXX if that with a monthly payment of almost {$900.00}. I have several entries on my credit report stating I 'm in the arrears over $ XXXX and have a balance of over $ XXXX being reported by Di-Tech and other Loan Servicers in the past. I need help so badly with getting this loan resolved. It 's ruin my credit and caused so much stress. Any help you can offer would be greatly appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
MY MOTHER PASSED AWAY ON XX/XX/XXXX I AM THE ONLY CHILD AND HEIR TO HER ESTATE. IT TOOK ME OVER 9 MONTHS TO FIND HER WILL AND GET THE DEATH CERTIFICATE. I SENT DITECH FINANCIAL LLC ALL DOCUMENT REQUIRED BUY THE STATE OF KANSAS MY RIGHT TO THE MOBILE HOME THAT ME AND MY MOTHER LIVED IN. THEY KEPT ON COMMING UP WITH OTHER FORMS I WAS REQUIRED TO FILE AND WHEN I CHECKED WITH THAT STATE OF KANSAS ATTONEY GENERALS OFFICE I WAS NOT REQUIRED TO HAVE THIS FORM. DURING THIS TIME THE HOME WAS FOR CLOSED ON AND I HAD TO GET OUT OR LOSE MY OWN POSSESIONS. THIS WAS XX/XX/XXXX. I DID GO TO COURT BUT IN THE JUDGES DESIOIN HE GAVE THE HOME TO DITECH. THEY HAVE CONTUIDE TO SEND BILLS AND NOW THEY SENT A LETTER STATING THEY BOUGHT INSURANCE IN MY NAME WHEN I CALLED AND IT WAS RECOREDED BY THEM I WAS TOLD AS HEIR SINCE MY MOTHERS DEATH IT WAS BUT IN MY NAME BECAUSE THE HOME WAS NOW MINE. HOW CAN THEY HAVE IT BOTH WAYS, THEY TOOK MY HOME SAYING I HAVE NO RIGHT AND BUY INSURANCE IN MY NAME. THE INSUANCE COMPANY IS OWED BY DITECH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I received a marketing letter from Colonial Finance and I decided to set an appointment to apply for a loan for {$1000.00} to pay off some citations and car repair from an accident. After applying they said I was approved but would have to pay back {$1800.00}, over {$800.00} in interest!! Highway robbery! Colonial Finance has HORRIBLE and unethical collection practices where multiple representatives used the reference list I had provided when I applied for the loan against me. Colonial Finance harassed me, my manager, my parents, family and friends TWICE DAILY on both cell phone and their work numbers leaving a message each time! Everyone was mad at me for giving Colonial Finance their number because they were harassing them and most are on the XXXX list but Colonial Finance said they did not care and continued to call. I decided to contact XXXX and enroll in a program where they would help me with paying off Colonial and stop the harassment calls. My counselor recommended sending a Cease and Desist letter to stop Colonial Finance 's harassment and so I sent them XXXX. ( see attached ) XXXX sent Colonial Finance payment but they would not negotiate a payment that would be affordable. I was hoping for {$50.00} a month but they do not accept partial payments so I had to do $ XXXX/month, so upon receipt of my payment Colonial responded by filing a lawsuit against me plus court cost. I called my XXXX XXXX for help and so she called this XXXX XXXX who filed the lawsuit to see if she could drop it because it was not necessary ( see attached XXXX and XXXX said there was nothing that they could do. Why not? It is unnecessary and they were getting their payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
I submitted a complaint XX/XX/XXXX, case # XXXX. I have not heard anything that has happened with my complaint. Since then, I also have new contact information for myself which hopefully I can change when done here. From my original complaint, I never heard anything from Green Tree other than they would look into it. I have since sold my house and had to take out a hard money loan to pay them in full since nobody at GT would talk to me. Again, this all stems from their inability to work with me at all over a year 's time ( please see original complaint submission ). I did pay them in full XX/XX/XXXX. I received the " paid out '' note back from them 3 weeks ago-5 months later! I just recently ran credit on myself and was distraught at discovering that they are still showing a large balance out there with the words " unpaid balance charged off ''!! This is really amazing given the amount of work I went through to pay them in full at closing! I have tried to talk to someone at GT again to no avail. I will contact the credit bureaus to dispute this however the damage to my credit has already been done. I am truly at wits end with this company and not really sure the CFPB is helping in any way.

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 2015-09-30 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech Financial LLC is trying to collect an account that have already taken care by the bank on mortgage that was a predatory loan and violated my rights for refinance and my home was foreclosure. Company calls me with threats if this amount not paid they 're going to take illegal action and putting false information 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 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
We started out with XXXX in 2007. They suddenly started increasing our payment until we went from paying {$1300.00} a month to {$2000.00} a month. No one could give us an explanation for the increase. We applied for a modification to try to deal with the situation. Not long after, they sold the loan to XXXX XXXX XXXX. Due to the increased payments, we ended up having to file XXXX XXXX. It took our bankruptcy XXXX and an aggravated bankruptcy judge nearly five years to get a modification approved. The month after we finalized the modification they sold the loan to Greentree. We continued to pay the note, using the account number for Greentree that XXXX had sent us. The first correspondance we received from Greentree was in XXXX and it included no payment amount and said " this is not a bill ''. The next letter we got stated that we were over a year behind on payments. Three weeks later, after sending over dozens of faxes and making hours of calls, they tell me I have to fax over a formal dispute. I 've been on the phone for three weeks, talking proof of payment, the modification terms, etc and just now they need me to fax a piece of paper saying I think they screwed up. They just approved the loan for foreclosure, despite the account status being obviously in question. XXXX of the managers, XXXX, flat out told me that something must have been filed wrong. Even if I had been a year behind, the modification would have brought me current. I might actually lose my house even though I am not even a day late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
During my bankruptcy period, my mortgage company did not itemize my mortgage payments. I was told it can only be done after I am discharged from bankruptcy. Nearly four months since my discharge, Ditech is yet to itemize my mortgage payments into interest & principal. I have called as many as six times ; attempted to even talk to a supervisor to no avail. I have been informed no supervisor is available. The customer reps. have apologized for the problem ; promised twice it would be taken care but still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I get a message that my escrow account is short {$560.00}, I pay that, send it in, then I get another message that since I sent in the {$560.00}, they assessed my account again and found I 'm short again {$68.00}. In one month my account went up {$43.00}. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Ditech Financial/Green Tree Servicing received our check for final payoff of our loan on or about XXXX/XXXX/15. Now Ditech refuses to reconvey our house, refuses to pay us the amount that they owe us from our escrow account, and continues to demand more money from us. They declared a default on a loan that has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: LA

Complaint narrative:
Being in between jobs, I fell behind on my bills including this installment loan. I found a job 30min from my town and with luck, it 's right next to the company that I have an installment loan with. 
I finally received a check where I was able to catch up on paying money towards getting current on XXXX/XXXX/16. That very same day, my boss took me to the back to speak with me, she told me, and I quote, " I do n't mean to get in your personal business but you really need to pay World Finance or they 're going to start garnishing your wages. '' I was surprise that they would talk to my boss about my account because I have been keeping communication about my account to the girls that work there at World Finance. My boss told me that they branch manager informed her about my account. 
I explained to my boss that I planned on taking care of that today due to receiving a bonus and raise. 
I walked next door, spoke with the branch manager, who is responsible for my Branch manager having detailed knowledge about my personal business account. She then denied any accusations and blamed it on the Branch Manager, in office of where I live. I proceeded to make a payment and told her that I feel betrayed at the fact that I was keeping communication with her and that she went to my boss about this instead of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Re : scam/misapplied payments/predatory lending Ditech Financial LLC aka Green Tree registered at XXXX Box XXXX, XXXX XXXX, SD XXXX is a mortgage lender. 

I have consistent history of making timely monthly payments for more than 8 years starting in 2008. All monthly payments are sent using XXXX automated billing. 

Ditech misapplied monthly payments in the amount of {$3600.00} and put account in collection status. All payments have been submitted consistently through a third party payor, XXXX, who confirmed that Ditech received a monthly check in the amount of {$3600.00} and cashed it every month. 

Ditech refused to cancel PMI which reached 79.19 % and refused to respond to my multiple communications including the ones sent via fax, email and mail. 

Ditech failed to : *apply all monthly payment checks from XXXX ( cashed by Ditech ) to my account *remove late fees and bring the account into a good standing *cancel PMI *respond with an explanation why Ditech was cashing monthly checks in the amount of {$3600.00} each month and not applying it to my monthly bills, assessing late fees and collection fees

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 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis
State: CO

Complaint narrative:
Innovis is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. Innovis staff went so far as to say they ignore proof submitted by consumers. I submitted proof to Innovis in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus which Innovis confirmed receiving. The complaint to Innovis and XXXX specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Innovis, I certified that XXXX had not responded to me within the required 30 days after XXXX 's proof of receipt XXXX/XXXX/XXXX. Innovis then ignored this documented evidence and used the repeated false electronic reporting from XXXX to " verify '' the false information in their Innovis XXXX/XXXX/XXXX report update. Innovis failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Innovis on the matter, the Innovis phone staff member confirmed that Innovis is using an electronic " update '' from XXXX XXXX verification and ignored documented evidence from me that they confirmed receiving. This Innovis phone staff member went on to say that they were very familiar with the FCRA and they ( Innovis ) did n't care what I sent them because they would only report what came to them directly from XXXX. I believe this is a violation of the FCRA because the " update '' Innovis received from Navient does not contain any documentary evidence that Innovis nor XXXX has or can provide to me, and their " update '' is a month beyond the FRCA 30 day required time period for a response from the XXXX/XXXX/XXXX receipt of certified notice of dispute. This is a very good example of how the FCRA is being openly violated by CRAs. What is the point of allowing disputes to CRAs if they will ignore documented proof submitted by consumers and continue to publish non-proof " updates '' from creditors?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
In XXXX of XXXX, I noticed that our mortgage balance was much higher than it should have been since it was going to reach maturity this year. Our mortgage was with Greentree Financial. I called and talked to a rep who said, 'oh just keep on making your payments and it will be fine '. In XXXX, our loan went to DiTech. I called them and was told the same thing. In XXXX, XXXX, we get a letter saying that our loan was mature and that unless we paid {$11000.00}, we would be in default. I called and spoke to someone else and was assured that I only needed to call our account rep and she could do a loan modification for us and everything would be all right. I tried to get in touch with this person for over a month, leaving her messages and expecting a call back. Then, I get the message on her machine, saying she would be unavailable until further notice and was referred to another lady. She informed me, that despite everything I had been told, we were in default and she could not do a loan modification. They are starting foreclosure proceedings against us. I tried to find out how we could owe {$9700.00} in principle since we have been paying for over 20 years on this loan. She could n't tell me, but put me on hold saying she would get someone who could. She came back in a few moments and informed me that the other lady told her that she could n't give me any more info than she already had. We 're not trying to get out of paying our loan. I just do n't understand how we could owe that much. And, despite being told we could get a loan modification by one person and then denied by another. The lady said they could n't do it because there was no land involved with our loan. I informed her that there were XXXX acres which we put up as a down payment for our double wide mobile home when it was purchased. That info however, made no difference. I do n't understand. The land would be worth more than what we owe on the loan. Perhaps that is the point. They can take our property that we have paid on for 20+ years, resell it and make a good profit. All the explanation I can get from these folks is ... '' I 'm sorry ''. I was told by a banker that it would take too long to get a loan anywhere else, that they would have to refinance it or modify it, or it would be too late. We ca n't even get a loan because our credit rating has now tanked. I just do not want to lose the home that we have worked and paid on for over 20 years and no one at DiTech will help. I even asked how much time we had to come up with the money and the lady told me that she did n't know. Apparently, I wo n't know until my property shows up for auction in the local paper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I received a phone call from Dynamic Recovery Solutions saying I owed a debt on a medical bill from 2010. I informed who I was talking to that I did n't believe I owed this debt. A manager got on the phone and was very rude and told me that I did owe the debt. I live in the state of GA and this debt is past then statute of limitations. Also, I called the company XXXX on XXXX and spoke with XXXX and told him that I did n't believe I owed this debt and it was passed the SOL he said he would note that I was disputing this. I also told him that I was going to send a cease and assist letter. He told me no need to that he would note it in the system for me not be contacted. I received a letter in th mail that was written on XXXX from the above company that they had noted my account was disputed and would cease collection efforts on this debt. However, today XXXX I received a call from this company using the number XXXX. I did not answer this number but upon calling back it was Dynamic Recovery Solutions. I have received three letters in the mail and also calls after I had asked them to stop and I disputed the debt. The letter also stated they " may '' report it to a credit agency. This debt is past the SOL and I 'm am disputing the fact I even owe it. I feel like this company has violated the Fair Debt Collections Practice by threats and calling after dispute was received. Upon research I have found that this company has done this to many others as well. I also fee the threat to report this on my credit is a violation of The Fair Credit Reporting Act. I will be writing a cease and assist although it was verbally given and confirmed at the above date. This company I feel violates consumer 's right by harsssing phone calls and threatening letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
On XXXX XXXX an additional principal payment in the amount of {$3000.00} was sent to my lender, Ditech along with my regular payment. It was misapplied to escrow. I have repeatedly called ( XX/XX/XXXX, XX/XX/XXXX ) and submitted correction requests ( XX/XX/XXXX, XX/XX/XXXX ) through their online but can not get this corrected. I received email responses from my online requests that said someone would contact me but no one did! On XX/XX/XXXX I spoke to a supervisor who assured me it would be fixed on XX/XX/XXXX. I have checked online since then and no correction was made. This affects my interest amount and I am reluctant to send another additional principal payment until this is corrected.

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