vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
XXXX was processing a loan modification for us, and the process took several months. We were informed they had stopped the process in order to sell the loan, then sent correspondence stating they were not going to sell the loan, so the modification process was started over. I had to inform them ( XX/XX/XXXX ) that my husband was hospitalized and I was diagnosed with XXXX. All of a sudden we were notified that the loan was sold to Green Tree. Green Tree immediately started another modification which did not go through ( apparently because XXXX had recently ended one ) and they entered us into a repayment plan, to begin on XXXX XXXX, XXXX. Then Ditech and Green Tree merged apparently ... ( Green Tree was involved in major fraud lawsuits ). We completed the repayment plan as outlined in writing XX/XX/XXXX, under Ditech. We paid {$17000.00} to DITECH ( when supposedly we only owed {$13000.00} ) We did not receive a bill in XXXX so we called to find out what was going on, since we had completed all of the balloon payments in the plan. At this time we were informed Ditech was foreclosing on the house without any explanation. They started another loan modification XXXX XXXX, XXXX, and we received a letter Saturday, XXXX XXXX, XXXX stating again that they are foreclosing without any negotiation etc, and the letter is dated XXXX XXXX, XXXX ( but postmarked XXXX XXXX ). It is all over the internet that these companies inlcluding XXXX, Green Tree and Ditech are committing mortgage fraud and have been sued. Many people do no have the financial resources to fight XXXX XXXX, who owned Green Tree and owns Ditech. We are struggling to get a lawyer at this time and would appreciate your intervention, or any help you can provide. You can find a sampling of very simmilar cases listed here on XXXX : XXXX We definitely believe we are victims of Mortgage Fraud, and that they are simply foreclosing on our property instead of negotiating to collect the " insurance '' they have through XXXX XXXX . We also have no idea when we supposedly got a " XXXX XXXX '' loan, we were not aware we had anything other than a normal mortgage until all this happened. We have ALL THE PAPERWORK, CORRESPONDENCE AND BANK STATEMENTS

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
My mortgage provider Ditech decided without out my permission or reason to add earthquake insurance to my escrow. I live in Michigan where earthquake insurance is not required and I do n't find it to be necessary. I sent an e-mail to Ditech asking why this insurance was added to my escrow. I received an auto reply and then the next day I received a second e-mail stating that my request was being reviewed for appropriate processing. That was two days ago and they have not bothered to follow up with an answer. I am sure that it should not take that long to provide me with an answer if they were planning on telling me the truth. 

I do plan on contacting a lawyer to help me review and explain the escrow to me. I do know that the earthquake insurance should not have been added to my escrow. I prefer to communicate via e-mail because you ca n't deny the conversation. I do not want to discuss this matter over the phone with Ditech being that I do not have a way to record the conversation. Any and everything can be denied being said when you have no hard proof to back you up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech, formerly Greentree, a financial institution holds a XXXX lies on my residential dwelling. The XXXX mortgage was originally done through XXXX I think. But now, Ditech has the loan and for the past year, has refused to give me a copy of the contract and payment structure. This has prevented me from refinancing the home and getting a better interest rate. Currently we have a 6.5 % mortgage with Chasey on a 30 year fixed and a XXXX mortgage at 8.25 %. 
I believe we are victims of racial bias based on prior lending practiceso of the XXXX XXXX XXXX, who was part of the original loan. I have decided to withhold payment from Ditech until such time that they render to me the document ( s ) I have previously requested and they agreed to send.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 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: MD

Complaint narrative:
I have attempted to obtain backup from XXXX and their debt collections agencies to no avail. The only information I have for an account with XXXX shows they owed me money when I closed my account. They have not provided any documention otherwise and continue to harass me for an account I do not believe is mine.

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 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
XXXX XXXX 2015 contacted my current mortgage company to refiance my loan. They did credit check, appaissor done, was sent appraissal copy then for month no communication after i kept emailing for a status, then given false info abt title company called them was fixed loan processor still no communication after calls & emails. I called the ditech guy he then called a supervisor gave me another person as loan processor. She said things needed fixed before closing well all this time 2 months no one told us, got these fixed but then title company XXXX had papers since XXXX XXXX 2015 nvr cleared title for closing. Until after XXXX XXXX 2015 which then expired my application. Told all need to do was resubmit for application loan then they called saying ur credit now lower ( ya XXXX hard inquiry by them in 4 months ) cant do conventional but can do fha loan costing more. Ive paid my mortgage for 20 years same address but now they stalled around for months telling me false statement when application expired ( have email as proof ) can just resubmit knocked my score lower and trying to act like its ok they stalled around no communication for months on something they do everyday as professionals. How is a person to do as they need to when these companies seem to get away with stalling or right out lie abt process after their mistakes which they admitted to.

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: NY

Complaint narrative:
Mortgage changed hands several times XXXX XXXX XXXX to Greentree and now Ditech. Received final discharge of chapter XXXX bankruptcy in XXXX 2016. Received notification from identity monitoring that Ditech reported XXXX 2016 payment delinquent. It was paid XXXX XXXX. Ca n't reach customer service representative since then. Hold times over 45 minutes then call disconnected or goes to original menu. Emailed customer service and received confirmation of receipt. Told I would be contacted by mail. Can not access account payments online. Information disappeared and it prompts you to call bankruptcy department back to same phone tree which is now answered by XXXX XXXX XXXX XXXX. I 'm aware the parent company known as XXXX XXXX was sued for XXXX for deceptive practices while doing business as Greentree. Seems like same sort of issue persists under Ditech name. Hundreds of recent complaints from many people like me trapped by these scam artists.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have been on the Making Home Affordable Program for the last 6 years. I have never had a late payment. Ditech misreported that I had a late payment XX/XX/2015. I did not. I made my payment on XXXX/XXXX/15 for more than the minimum required payment. 

As a result of them reporting this false information, I was told by one of their supervisors that I no longer qualify for the incentives available to me through the Making Home Affordable Program. Because of their error, I understand that over {$6000.00} in incentives have been revoked. 

I have called and spoken to supervisors, most recently XXXX and today, XXXX. I also spoke to a CSR named XXXX who said that a supervisor, XXXX would call me back and they never did. 

I discovered this issue XX/XX/XXXX and it took over 30 days to get a letter to have the late payment removed from my credit reports. 

Now, I find out that the falsely reported late payment is costing me a lot of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
In 2015, my partner lost his job, his sister died at the age of XXXX and a XXXX on me. In the midst of all this going on we had a few returned checks at the XXXX. They were placed with Meade and Associates in XXXX Ohio. I spoke to a lady named XXXX who said that I could pay the checks off a few at a time and she would work with me. On XXXX XXXX, 2015 I receive a call at work from XXXX a collector at Meade and Associates. He said he was turning them over to the courts of XXXX County and wanted to give me the opportunity to make them right. I said I could pay half of the balance in XXXX payments and he said no. He said that if I did not give him a debit card number to hold or debit card number he would turn them over to the court house. There website stated that they work with people. I said that I would call him back with the information on the card. I work as a XXXX and I thought, try and work it out. I called back and asked for a supervisor. I spoke to a gentleman and explained the situation. The man said " let me put you on hold and see what I can do and get approval ''. I was on hold and voice audex came on and said now being transferred. XXXX who originally called me picked up and began yelling at me and then screaming at me saying what do n't you understand etc. I ended up giving him my debit card number and said this will be my car payment plus other bills, he said ok I will turn them over to the XXXX County Prosecutors office then. I have spoken with the prosecutors office and the lady was nice, she said they do n't need to use their office to bully people. I ended up researching Meade and Associates and their are numerous complaints. I own the debt will right the wrong but do n't scream at me at work and threaten me. This XXXX has done this to other consumers and I would like to know why he is still employed there. My understanding is the Ohio Attorney General has been contacted before but nothing done. Why? Can all these consumers placed in collections be wrong? XXXX XXXX is by far collecting in a thug like mentality and it is not ok. I plan on contacting the XXXX County Prosecutors Office again in a written letter form and advise them that this individual needs to stop using their office as his own personal collection tool. Meade and Associates are located at XXXX XXXX XXXX XXXX Ohio, again if you research you will see that I am not the only one who has been screamed at threatened. They say they record the conversations but lets be real, they can record portions of what they want to be heard. All of these people that I have researched are not going to have the same story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
This is the letter I sent to DiTech : Ditech Financial LLC XXXX, SD XXXX To Whom It May Concern : How unhappy am I ... let me count the ways. This is the most awful, inept mortgage company I have ever dealt with. 
1. When I would send in additional principle as part of the free automatic payment the funds would not be applied properly until I called to complain. 
2. I sent in a payment one month and the processor misread the check, charged me a {$1000.00} over what I sent in, then argued with me that it was my fault. I eventually had to talk to a supervisor who said I was correct and the clerk misread the check. 
3. I sent in additional principle funds another month and it was applied to my next month 's payment, even though I specifically filled in the payment instruction portion of the statement with my check. 
4. I asked for the name and address of the CEO or President and was told they could not give me that information. 
5. Last year Ditech paid my hazard insurance late and I had to pay it myself to ensure there would not be a gap. 
6. Your company paid my flood insurance without my permission. It is an arbitrary insurance which is my responsibility not Ditech 's. 
7. If I wanted to pay my monthly payment online I am told there is a {$12.00} charge. This is the first company I 've dealt with ( and I 've dealt with a lot ) that has charged to have me give you money. When I inquired about my payoff amount which is {$940.00}. They want to charge me over a {$1000.00} for escrow even though I will not owe any more principle. 
If I ever have another reason to take out a mortgage, I will ensure that my mortgage is never sold to Ditech. I would appreciate a response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: ND

Complaint narrative:
I obtained a credit report and noticed negative information being reported by Educational Credit Management Corporation ( ECMC ). Not recognizing the alleged debt, I attempted to dispute the debt with ECMC. The dispute was returned as un-deliverable. I obtained credit reports from XXXX different CRA 's, both with negative, unrecognized information. XXXX different CRA 's reporting from ECMC provided XXXX different address for ECMC. I sent a dispute to both other address. Copies are attached, with USPS certified mail confirmations. 

I filed a complaint with the CFPB about the mis-representations of ECMC in my credit reports. ECMC replied with an alleged loan summary for an entirely different individual. ECMC also replied to my mail disputes by providing a simple spreadsheet printout. Evidently this simple spreadsheet confirms a debt. Evidently, according to ECMC, all that is needed to collect a debt is a spreadsheet with a couple columns. 

I do not have any documented evidence supporting ECMC 's negative reports and/or debt collection activities. ECMC has not supplied any verified documentation supporting their reporting. I filed bankruptcy four years ago and still have debt collector vultures harassing me. The alleged debt might have been paid in full. The alleged debt might not be mine. The alleged debt might have been discharged in bankruptcy. Despite all this, ECMC continues to report negative information in my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I had a bankruptcy discharged in XX/XX/XXXX at which time the judge would not reaffirm my mtg. I continued paying mtg. even after I relocated from XXXX to XXXX for a job on XX/XX/XXXX. I paid mtg until XX/XX/XXXX at which time I called mtg co. many times asking to give deed to mtg. co. in lieu of pymt. The mtg. co. took months and many calls before they finally mailed me paperwork. They then took many months to process the paperwork I submitted, and, in the meantime they kept reporting to the credit agencies that the mortgage was reaffirmed after bankruptcy ( and outright lie by the mortgage company ) and that I was not paying, It was not until XX/XX/XXXX, after almost a year in trying to resolve the issue with this home I was not living in, did they deny my request to provide deed in lieu of payment on the grounds that my credit score was too low ( 587 ). The mtg. company and their delay in sending me the paperwork and then processing the paperwork is the reason my credit score is so low. The only options they are giving me are Reinstatement, Repayment, or Modification. I live 1700 miles away, and renting the home is not an option under the Affordable Housing guidelines. I am trying to now sell the house, though the maximum price I 'm allowed to sell it for is less than the mortgage amount. At least I think it is, but I have been asking for over 4 weeks for the mortgage company to provide me a payoff amount, and I keep calling them but they will not provide the payoff amount to me. They keep making excuses as to why they can not provide the payoff amount and keep extending the date when I will receive the payoff amount. I was first told I would receive it in 5 days. I called them after 2 weeks and was told in another 4 days I would receive the payoff amount. That was over 2 weeks ago. They are holding me hostage or punishing me and in the meantime continuing to destroy my credit for a mortgage that a bankruptcy judge told me I was not legally responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have been contacting my lender, specifically XXXX and left dozens of messages without a single callback or communication from them for over a month. 

I have offers on the house, and am trying to get them to work with me on a short sale.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Our previous lender, XXXX XXXX XXXX added late fees and miscellaneous fees. We tried to correct them with the lender with no help. Then, XXXX was bought by Ditech and our last payment to XXXX of {$5000.00} was not recorded. Our bank statement reflects the payment, but no accounting by XXXX who transferred the accout to Ditech as " late '' even though we had paid. Now Ditech is refusing to acknowledge the discrepency and continuing to add " late fees '' on an account that was paid up. We have been making monlthy payments to Ditech and are still getting late fees and no response the several attempts in writing to clear up the matter. I can provide the letter I have faxed to them three times. I have called and called and called Ditech. I get forwarded to a voicemail everytime and no one calls us back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I was with a Mortgage company for some years. My mortgage was brought or giving to my previous MTG company. I was behind often and I would ask for waivers, or if they could refinance my MTG but they always told me that they couldnt because my MTG was like a car loan so they could not do it. They always threaten to come get my double wide and I always said, how are yall going to do that because my land was finance with my house. I would tell them that I never had any trouble getting my payment waiver with the company that had my MTG before they had it. So finally they had me to write them and tell them my situation and why I could not make my payments because they where suppose to refinance it but, they said they couldnt. So I talked to my bank about refinancing for me. When I had to call the previous MTG company about the title it was to my surprise, they told me that they didnt have it. 
I called everyday to speak to someone different and there answer was the same. Doing that same time I went to the court house to check on the title and when i did that i saw the original MTG company as the owner on the deed. I even checked with DMV because they said it was like a car loan. I called around to attorneys and asked questions but none of them gave me any value information. I also looked online for information but nothing was clear to me as far as this being right. I also wrote the attorney general. They didnt receive any thing from them either but after the MTG was refin they sent them a letter and told them they didnt have the MTG any more. There name was never on the MTG, they didnt even own it and they knew it but they kept collecting my money every month. When I went to the closing I was told by the attorney there that they had to do a lose title because the MTG company didnt have one. I didnt know about a 3 day cancellation because the attorney didnt give me any paper work until they recorded it at the tax office. When looked it up the next week the new MTG company was on the deed. I just think this was wrong and I dont think they should been able to sell something they didnt have ownership to.

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