vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech financial took over my greentree home loan. Every month they some how XXXX up my payment, then add on late charges. After that they call me during work telling me I owe them a more than twice as much as my normal payment. The only response from the representative is " that 's what our records show ''. I have automatic payment, how do they seem to mess it up? So frustrated. They XXXX me off so bad I told them to come and take my home. About 2 days later they sent a representative out to my home and kicked the door in and left a note. I have tried very hard to keep right with them, they always find a way to be able to charge me extra for their own gain. I really hate greentree and ditech..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC

Complaint narrative:
For months at a time, I recieved several phone calls a day made arrangements. They said they would still call me until the payment was made. Sometimes they would threaten me with things like foreclosure, other multiple calls.They have charged me many late charges when I was not late.They changed my due date without permission, added insurance when I had my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I was with a company Called Green Tree Mortgage that wrongfully handled my mortgage on top of denying me over and over again for a modification and also accepting a program that i was approved for called the " The Home Safe of Georgia '' program, that would have been approve for up to 18 months had green tree accepted, allowing my husband and i to get on our feet due to occupation loss. I had the gold seal approval from this company and every thing was ready to go and Green Tree representatives would n't accept it, having me to result to filing bankruptcy to save my home so it would not go into foreclosure. It was n't until another company took over now, 2 years later i am approved for a modification with no problem. Green took extra monies from me that was over paid they have me up side down now in my home and now i am really just paying rent seems like until i can find my way. The representatives that worked for this company gave me the run around i sent inn documents over and over again whether it was through certified mail or fax with a conformation report, sending inn enormous amounts of documentations for them to say they did n't get it and the time period for the modification had expired. They made me and my family of trying to keep my home modified after my husband lost his job XXXX. My husband is a retired vet so that made us qualify for " Home safe of Georgia and they would not accept it made excuses like it was too late. Even Green Tree attorney at the time contacted them inference to accepting the program to keep from allowing my home to go into foreclosure and they would n't accept the program which was one of the programs they were known to work with, so the day before my home would have been sold i had to file bankruptcy. This company has wrongfully service individuals and have gotten away with it. My husband and i have lost a lot of money with this Mortage Company and almost lost our home that we both worked hard for. I need you all to please investigate my mortgage during the time it was under them and i am asking that i received every penny that i paid extra that should n't have been a fee and also for the pain and frustration this company took me through. Green Tree Mortgage which was a finance company should n't have had the power to do what they did to people. Also the employees who they had working showed no compassion for people they were rude and ignorant and down right disrespectful also the ones over them because the problem was n't corrected after complaining.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I received a mortgage loan for my house XXXX, XXXX. My payment was promised to be an affordable payment. I was paying my mortgage on time but my mortgage payment had a substantial increase where I was no longer able to make payments on the mortgage. In XX/XX/XXXX, GreenTree Servicing, LLC. sued me for a mortgage that I received from XXXX, XXXX. While being sued on the motgage, then another lender name, " Ditech, LLC '' starts collecting on the same mortgage. I feel like my house is going to be part of a fraudulent foreclosure procedure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My roof and siding were damaged in a hail storm in XX/XX/2016. We selected a contractor, recommended by the insurance company. We paid the contractor {$10000.00} from our own account to pay for materials to begin. We received an initial check from XXXX, then an additional check after estimates by the contractor, and a final check after the work had neared completion. The total of the checks was about {$28000.00}. All checks were made out to us and our mortgage company. We have endorsed all checks a sent them to the mortgage company, Ditech, along with copies of all insurance estimates, and contractor prices for roof, siding, and painting. Ditech sent an initial reimbursement back to me of {$10000.00}. Ditech hired a 3rd party inspector to confirm that work was completed, and we assumed that the remaining funds would be released. However, they have continued to hold all remaining funds stating that the IRS has rejected the contractor 's tax ID. They state that remaining checks must be made out to the homeowner and the contractor, and will not issue remaining funds until this matter is cleared. Our contractor has made numerous calls and faxes to send them the correct information. They are a long-time, reputable company, actually recommended by XXXX. We are extremely happy with the work. Our insurance agent says he has never heard of a mortgage company insisting that both the homeowner and contractor be named on the reimbursement check. We have paid the contractor a total of {$18000.00} out of about {$30000.00}, but do not have the remaining amount until it is released by our mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I am in default of my mortgage with Ditech and have to cure this on XX/XX/2016. I am trying to receive their Request for Mortgage Assistance package to avoid foreclosure. I have repeatedly attempted to reach my personal representative, without success. Either the system hangs up without being able to reach a human being, puts me on hold for at least an hour and I give up, or my personal representative 's mailbox is full so I can not leave a message. I have resorted to sending in-mails on their website, have received confirmation of them, but never receive an actual response ( except for one in the US mail that said they would get back to me in 30 days, well after the date of cure ). In sum, I believe they are placing me in an untenable situation, which will cause a foreclosure that could be avoided. I am shocked at the cavalier way they are treating a very serious situation. My phone and email records do support the activity I mention above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I had a condo in the XXXX units complex which was burned down 3 years ago including the entire complex. 
By the time of the fire my outstanding mortgage was {$25000.00}. I had the home owner insurance and after the fire the insurance company sent me a check for {$25000.00} which I sent to the mortgage company. They applied this amount toward the interest and other fees and the remaining to my principal which left me with outstanding balance of {$12000.00}. XXXX years ago, the mortgage company put a foreclose on this property, but they never completed the foreclose process because there is nothing to take. I 'm stuck in this status which ruins my cred history. I spoke with the mortgage company so many times, but the loan owns by Fannie Mae and they do n't want to settle my case or forgive the remaining balance. What should I do and how can I complete the foreclose process and start to recover my credit history? 
Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
We have owned our home for 14 years. We did a refinance a few years ago that promised to pay off our mortgage in a shorter time. The interest rate was 7.65 %. In the mean time the economy tanked in XXXX Oregon where we live and times were difficult. We did get a loan modification but we have tried to refinance to get a lower interest rate. Our mortgage was recently sold to DiTech and we applied for a mortgage to refinance at a rate of about 4 %. They denied us based upon our credit history. They apparently believe we can not make our payments even though our payment history on our mortgage has been spotless for over three years. This is very self-serving of them. We would have saved about {$300.00} per month but instead, because they denied our refinance to a lower rate, we must continue to pay them more. Is this fair? Legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I am representing a Borrower whom has filed a Bankruptcy, and did not reaffirm her loan, we have been disputing the value with Green Tree/ XXXX XXXX AS I was told the property was assigned to be winterized and it was not, so with our brutal winter there was additional damage done to the subject property in the amount of {$90000.00}. XXXX refuses to re-evaluate the value as this was already done XXXX. But the damages have prevented us from getting a $ XXXX offer. They are informing me the Borrower needs to file an Insurance Claim, we have tried numerous times to reach out to XXXX Green Tree and XXXX to obtain the correct information, with no results. The Borrower has not paid on Home Insurance in over a year, so we have no idea where to go from here, we have been trying to process this short sale now since XXXX, and are just exhausted with the manner this is being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I 'm XXXX XXXX XXXX, and the principal on my student loan has doubled the amount I borrowed nearly 25 years ago ( $ XXXX for both XXXX and XXXX ). I 've been paying monthly on-and-off ( between deferments ) for about 16 years, amounts between $ XXXX $ XXXX. I 'll restate : I 've been paying my student loan for 16 years, and none of my payments have gone to the principal of the loan, which, if applied correctly, would have been paid off by now. ( I 've calculated I 've paid nearly $ 40K over the span of 16 years ). 

I had federal loans originally. Then I consolidated with XXXX XXXX. XXXX XXXX gouged me with capital interest, then, when they were having legal troubles, cleverly split their company off to the company I now deal with : Navient. 

For someone like me : XXXX XXXX XXXX, been out of college for 20 years, consistently paid what I could throughout the years, there is no hope of help for me. I have literally just given {$40000.00} of my money away. None of my payments have gone to paying my loan. And I am in more debt than when I started college. I believe when XXXX XXXX approached me when I was XXXX XXXX XXXX, I was the victim of predatory lending practices. All I wanted to do was go to school so I could better myself and get a good job. Now I 'm {$100000.00} in debt. I ca n't even buy a home and it has affected my credit. I net $ XXXX a year. I need to CFPB to help me finally resolve this issue -- call it even. I 've paid them {$40000.00} and there is no end in sight. At this rate, I 'll be XXXX XXXX XXXX and still paying on my student loan!!!! There must be a point when loans are waived -- beyond public forgiveness. Is n't there a XXXX threshold? HELP. I 'm drowning in student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My family and I live in insecurity, which apart from our economic situation we have been facing since 2007 by the economic crisis that I hit us, we have used various means such as law offices, offices that meet mortgage problems, deal directly with the XXXX XXXX XXXX and it 's all the same bank fraud treatment calcularnos As we won without being certain to reach a payment at your convenience, we have been going from bank to bank and are today with green tree, my house cost 400K and today day no 260K worth more, the last lawyer who seek told us that there was a mortgage fraud because there existed the original mortgage note among other irregularities at the time of sale, but wanted 15,000 dollars to help eight years later I have not solved anything and if XXXX XXXX intentions on the part of banks and could have been a solution to this problem. Our little XXXX does not allow us to clearly understand the process and we are afraid to take any decision. May XXXX have mercy on our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
The judge said what they get is what they get when they sale not on my credit report of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
For several years, my mortgage was held by Greentree Servicing LLC. When they first acquired my loan from XXXX XXXX XXXX, Greentree informed me that the only way I could pay was by either automatic withdrawal or through XXXX, for which there was a {$12.00} fee per transaction. Not wanting to give them my bank information, I chose XXXX for all of my payments and was charged {$12.00} for each such payment. It is my understanding that as part of Greentree 's 2015 settlement, they were forced to pay restitution to customers who were unlawfully required to incur the XXXX fees. I am therefore writing to see if I may be eligible for that restitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I contacted Ditech Mortgage on XX/XX/XXXX regarding a CEMA from a refinance not recorded from XXXX. I have followed up numerous times by phone and faxed all the information to Ditech on XX/XX/XXXX, a call on XX/XX/XXXX verified the fax was received. We received a letter dated XX/XX/XXXX advising 30 days was needed to complete the request. After no information being received after that date regarding the recording of the CEMA - I contacted Ditech on XXXX/XXXX/XXXX, with my wife on the phone. We were guaranteed a phone call back, to date it has not been received, regarding the recording of the CEMA. My wife contacted Ditech for a status on XX/XX/XXXX, she was advised there were no additional notes regarding our issue since XX/XX/XXXX.

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 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
My mortgage was sold to Ditech from XXXX XXXX located here in XXXX, Ohio. I have contacted Ditech to inquire how to have my mortgage re-cast, and I consistently receive emails and letters through the mail stating that my inquiry is under review. I believe this option to re-cast falls under the prepayment category of the mortgage under which it is written I am free to prepay at any time. Ditech continues to delay allowing me to re-cast, thereby preventing me from lowering my monthly payments as I desire to do. This has gone on over three months now. Please let me know how I can get better service from this lender. I wish my loan had never been sold to them. I chose a local lender in the first place to prevent this kind of problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with XXXX and ECMC because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, ECMC, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer XXXX. I 've never had any way of knowing that XXXX now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH ECMC, who I had been paying faithfully. Finally, ECMC lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.

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 2016-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
My home that I live in in XXXX, XXXX at present recently sold, it is closing on XXXX XXXX, XXXX. Originally XXXX was the XXXX lien holder who sold note to XXXX XXXX XXXX then Green Tree Servicing then currently Ditech is the servicing company. There is also a XXXX mortgage on this home that is serviced through XXXX whom is reporting in good standing and was originally serviced by XXXX then XXXX XXXX XXXX. XXXX is not showing any bankruptcy what so ever. I am working with my lender on a new home in XXXX, XXXX which is to close around XXXX XXXX. 
XX/XX/XXXX I was discharged from bankruptcy court filing chapter XXXX but kept my home that I 'm selling and a rental property in XXXX which is serviced through XXXX XXXX, always has been. For some reason none of the properties were reaffirmed and of course it is to late because banks wo n't let this happen after discharge. I have every intention of following through with my loan obligations. While working on a new loan with my lender for the purchase of the XXXX home we have discovered that Ditech is not reporting my good standing to credit bureau. This is affecting me in regards to getting the best possible scenario in a loan. I 'm in desperate need of your help in talking to Ditech by XX/XX/XXXX as that loan is getting ready to be paid off. It would be beneficial for them to report on my behalf. My attorney that did my BK called XXXX XXXX ( XXXX property ) XX/XX/XXXX to help me to get them to report to credit bureau because of same scenario. They are now reporting me in good standing to credit bureau. I Have worked hard to regain my credit and good standing. If you can help in any manner it would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
In reference to case # XXXX and XXXX Commonwealth Financial Systems, Inc continues to telephone me and send me mail regarding the above case numbers. 

This time, instead of listing XXXX XXXX as the placer of the so-called debt they now list " XXXX XXXX XXXX. " The same information still obtains. XXXX XXXX XXXX XXXX failed to exercise due diligence in billing the VA in a timely manner ( over 8 months ). 

In the above referenced case numbers I was assured the collection efforts would stop pending a decision. That has not happened. They have continued to harasses my wife and send me letters telling me I have 30 days to respond even though I responded back in XXXX. 

Please make this stop!

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