vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Purchased home approximately XXXX XXXX, XXXX. Ditech was mortgage company on this purchase. 

On or around XXXX XXXX XXXX I refinanced the home with Ditech again as the mortgage company. Within 1 week of the refinance Ditech dispersed the county property escrow taxes for approximately {$4900.00}. 

Now again in XXXX XXXX Ditech has disbursed from my new loan another county tax payment of {$4900.00}. I have called Ditech nearly 6 times in the past 2 months to be certain my escrow accounts are being handled correctly. To date they are not responding to where my escrow money is from the previous loan. I am basically out {$4900.00} due to their error.

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 — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
My house at XXXX XXXX XXXX, XXXX, RI was foreclosed on by XXXX, because i had bought a new home, could n't sell the house and had exhausted my savings trying to pay both home mortgages. Green Tree was the second mortgage holder. I have been paying a monthly payment since XX/XX/XXXX, once I was contacted by Green Tree and the XXXX foreclosure was settled. I am required to set up payments in six months intervals, which I do for {$300.00}, which is higher than my original mortgage payment. I am not allowed to make the payments monthly on my own and are forced to pay a {$12.00} processing fee each month, which i have done. The last time I had to set up the next six months of payments, I was required to provide all my financial information before they were willing to discuss my account with me, when I refused to i was threatened with being sued. I reluctantly provided my financial information and was subjected to questioning about my monthly bills, my current mortgage, why i have open charge cards, why is my cell phone bill so high, etc. I was then lectured about paying the Green Tree debt first, in fact, the representative was trying to force me to make an offer to payoff the balance immediately. After much convincing I was able to get the Green Tree representative to set up another six months of payments. The representative made it very clear that if I do not settled the debt after XX/XX/XXXX, when the sixth month payment is processed or they will take me to court and sue me for the balance in full. I do n't feel I am being treated fairly. I am paying the mortgage lender monthly, the amount is larger than the original mortgage payment, I am paying a $ XXXX monthly processing fee and yet I am constantly threatened with a lawsuit for nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech Mortgage Compay tried to defraud me out of {$96000.00} through Home Loan Specialist XXXX XXXX XXXX # XXXX by charging me closing costs of XXXX and appraisal fee of XXXX, tax service of {$85.00}, Flood Certification Fee {$4.00} and credit report of {$4.00} for a total of {$710.00} + {$91000.00} = {$92000.00}. Plus Homeowners insurance of {$340.00} which was not included in the original quote from Home Loan Specialist XXXX XXXX XXXX, so now the damages are {$340.00} + XXXX = XXXX. In addition Ditech Mortage charged me another {$600.00} for homeowners insurance of {$600.00} and City Property Tax of {$1500.00} for a total damages of {$91000.00} + {$600.00} + {$1500.00} = XXXX. Ditech & XXXX XXXX wanted me to sign this this agreement even thought it was wrong. Home Loan Specialist said that I needed to sign it and it would be corrected at a later date. This is for Ditech Loan Escrow No. XXXX. During the Month of XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
In XXXX 2016, Ditech Financial LLC did not credit my account with the normal monthly payment that always comes out of my bank 's bill pay. After numerous phone calls, I finally wrote them in XXXX, than again in XXXX, and again in XXXX. All three times I sent them proof of payment. They finally admitted that my payment got credited to another account, but still did not credit my account. Also, they would not give a payoff amount. On XXXX XXXX, 2016 I submitted a complaint with the Better Business Bureau and the next day, according to their on-line web page/my account, they did something. It is very confusing because they credited half the amount of my payment and had some principal numbers and interest numbers and unapplied numbers. But I was happy because my XXXX billing statement showed I was currant in my payments. Also, I received a payoff statement which seemed to have the correct amount. However, I have since received another billing statement for XXXX that states they have put my XXXX payment in their " Funds in Suspense '' account and they want me to pay XXXX payment again. And I received a foreclosure letter from them dated XXXX XXXX, 2016. A week later I received another letter that was a copy of the first. Both letters state I have till XXXX/XXXX/2016 to cure the default in the amount of {$0.00}. This makes no sense to me. I have always been paying them on time ever since they have assumed the loan.

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 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
XX/XX/XXXX / XX/XX/XXXX we started working with Green Tree on a Deed in Lieu. The representative originally told us it would take would take 90 days to complete. Within the first month they changed the locks on our home without telling us. ( Our payments were current at the time. ) They said a lock box was on the door and they would give us a code, but there was no lock box. Months went by and we called Green Tree daily to check the status of the Deed in Lieu. Calls to Loss Mitigation went unreturned, but their collections department called us almost daily asking for payments. Their system never showed us in the Deed in Lieu process. When I finally got a hold of someone in Loss Mitigation, they said that I had cancelled the request ( which I never did ) and that we had to start all over again. During this time Green Tree became Ditech and our file was lost / misplaced a hand full of times. We had a new account representative almost weekly. The Deed in Lieu was finally processed and finalized XXXX XXXX, XXXX. We were sent a Deficiency Waiver Agreement. Within the past two weeks we have received about XXXX letters from Ditech concerning our account. I called yesterday and they said our account was past due and that I needed to make a payment. I told them about the Deed in Lieu and the Waiver Agreement but they said they had no record in their system and that someone would have to call me back. No one did. I called again today and the representative said she could n't help me and that someone would again get back to me. I spent XXXX months trying to settle this with Ditech. I can not spend another 8 months trying to now resolve another of their mistakes. Not to mention the late payment reports they have been sending to the credit bureaus since XX/XX/XXXX! I 'm worried about contacting an attorney as the last time I asked Green Tree / Ditech if I needed one, they told me they would cease all communications with me and stop working towards a solution. I am at a loss on how to work with this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have a couple of issues with this creditor ; 1 ) On XXXX XXXX XXXX, I found that XXXX put a lien on my property in XXXX whichI did not realize ( see attached Credit Line Security Deed ). I do not remember every seeing this document or signing it, nor doI have a copy of it my files.2 ). In XXXX I filed bankruptcy which XXXX was included ( see attach creditors list ). After much research I found that XXXX is out of business and XXXX XXXX took over their accounts. According to XXXX XXXX, in XXXX the account was transferred to Green Tree Servings. XXXX I filed bankruptcy and Green Tree was included, even though the debt was in my XXXX bankruptcy.After talking with Green tree, because my property was under contact to be sold, they would not negotiate a payoff unless I went thought the short sale process which could take weeks and I am due to close on XXXX XXXX. The only option I was give was to pay in full in order to get the lien release. I was told that the bankruptcy released me from the obligation of paying the debt, but in order to have the lien released, I would have to pay the debtin full or go through the short sale process. I feel that I am being taken advantage because the house was under contract. This situation feels like extortion. How is it that I am not obligated to pay the debt but to get the lien off my property I would have to pay the debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I hired a company to get me a loan modification and they scammed me. I was told not to make payments and now I 'm $ XXXX behind. ( I filed complaint on them too ). I had to file bankruptcy to keep my house. It is very difficult money wise. I have XXXX to care for. I asked the loan company ( Ditech ) to put the arrearage to the back of the loan so I could save {$600.00} a month or so. They are giving me the run around. Please 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 2016-06-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
" Inherited '' mortgage after father died. Took7 months of repeatedly submitting the same paperwork to even get info on the mortgage, despite the fact that I 'm the executor. Went in person to branch, said they can not help because they are not corporate. 
Refused any forbearance while we were trying to figure out funeral costs, etc. 
Attempted multiple times to modify mortgage, but paperwork was " never received '' by Chase. 
Chase sold mortgage to XXXX, did n't tell me. Said they sent a letter that I never received. Presently can not make payments or do anything with mortgage because the transfer has n't been completed, according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This collection agency was able to receive a judgment against me without giving me the opportunity to respond or dispute my case, they also denied my request after several attempts requesting to see a signed agreement or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: DE

Complaint narrative:
Began XXXX in XXXX. Approved for a Parent Loan Waiver in XXXX. While submitting documents to prove my XXXX, all payments were not needed. XXXX years qualified me for the waiver. However, I have told Dept. of Ed and then Edfinancial of my financial hardship through the many forebearances being granted. My limits on income were governed by XXXX rules ; hence the two aforementioned depts. knew of my XXXX status. Nelnet ( another servicer ) told me I would be reimbursed payments made when I was XXXX as I can prove long term XXXX. I fully expected a decent reimbursement that is supposed to arrive in 45-60 days after XX/XX/XXXX ( my approval start date ). Suddenly, Nelnet says I will not receive any reimbursement when I called for a status update. Earlier on same day ( XX/XX/XXXX ) a Nelnet rep said I would get a reimbursement of over {$2000.00} ( I ordered payment history of my loan that began in XXXX. ) Please help, what is going on.???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was sent a billing statement by Chase for my XXXX credit card for a balance of $ XXXX. Before the stated due date on the statement, I paid not only the entire balance from that statement, but also covering the few purchases from the current billing period. Once the payment pasted, by balance reflected {$0.00}. This payment posted and the balance showed {$0.00} before the stated due date, let alone before the account cycled for the following month. To my surprise, I checked my balance about a week later and saw an interest charge of $ XXXX. Confused as to how I was charged interest on a {$0.00} balance, I contacted Chase and they advised it was the interested that had accrued on the balance that was carried over from the previous months balance. The logic of this is simply ridiculous. Essentially what that means, is that it is quite literally impossible to pay off your balance in any given month if you had n't paid it in full the previous month. Even if you got a bill and paid it the very next day for the amount on the bill, they would still charge you interest for the time frame from which they sent you the bill to when they received the payment. How is that not horribly misleading? When I brought that point to their attention, they advised me of a piece of verbiage on the statement that says something to the effect of " balance subject to interest ''. 

The main point I 'm trying to make here is that if you send a bill for a certain balance amount and you pay that entire balance before the stated due date, you should not be subject to interest for that particular billing period. 

This is a very misleading business practice and I felt it warranted escalation in this manner. 

P.S. - They refused to waive my fee after I clearly laid out my grievances in multiple cordial contact attempts. However, they did waive my wife 's interest, who was in the exact same situation. Not sure how that happened, but there seems to be a lack of consistency in their fee waiver process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On my Chase statement closing XX/XX/2016, I was charged {$7.00} in interest. I emailed Chase inquiring about this charge and how the math did n't add up. They relayed their formula to me, which make sense, but not the " Balance subject to Interest ''. Upon inquiring further as to how they calculated it, they provided me with a formula, but not with how they actually calculated it for me. I 'm filing a complaint with CFPB due to Chase overcharging me for interest without justification once I pointed the error out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We were charged {$170.00} for a ride from the airport that we did not agree to. The driver claimed to be an XXXX and was not. No receipt provided. We asked 2-3x how much the ride would be and he said, do n't worry - it 's about {$5.00}. The typical ride costs about {$60.00}. We feel this is fraudulent and refuse to pay Chase Bank for the VISA charge. The receipt emailed was from XXXX Car in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I TOOK OUT A CAR LOAN IN XXXX W/CHASE BANK. FOR A XXXX GMC YUKON. MY GMC WAS DEEMED A TOTAL LOSS BY THE MY INSURANCE CO [ XXXX ] ON XX/XX/XXXX. MY INS. CO. BY POWER OF ATTORNEY MY INS.CO. REPOSSED MY VEHICLE ON /OR BETWEEN XX/XX/XXXX & XX/XX/XXXX. AT THE TIME MY INS. CO PAID FOR A RENTAL VEHICLE & SOON AFTER SENT ME A CHECK FOR THE BALANCE OF THE EQUITY AND AT THE SAME TIME SENT CHASE BANK THE BALANCE OWED ON THE LOAN. TILL THIS DAY CHASE PLACED A NEGATIVE REPORT WITH THE CREDIT BUREAU [ S ]. SAYING THAT I STILL OWED THEM MONEY. I 'VE TRIED IN WRITING, BY PHONE SEVERAL TIMES TO BRING THIS MATTER TO A CLOSE BUT TO NO AVAIL. I HAVE WRITTEN DOCUMENTATION ON ALL PERTINENT WRITTEN AND NON-WRITTEN COMMUNICATIONS WITH CHASE. THE ONLY RESPONSE I KEEP GETTING FROM THEM BY THEIR REPS OVER THE PHONE IS THAT THEY 'RE GOING TO MAKE A SPECIAL INVESTIGATION INTO THIS MATTER AND AS OF TODAY I HAVE N'T RECEIVED ANY RESPONSE. EXCEPT THAT ... VIA EMAIL ... I OWE THEM A PAYMENT. IT 'S BEEN WAY OVER 14 MONTHS. I 'M TRYING TO BUY A HOUSE WHICH I ALREADY HAVE A DOWN PAYMENT ON AND THIS NEGATIVE REPORT BY CHASE IS HAMPERING THOSE EFFORTS. PLEASE BE ADVISED THAT BEFORE [ AND ] AFTER THE HAIL STORM DESTROYED MY VEHICLE I NEVER EVER HAD A LATE PAYMENT. I ALSO SPOKE WITH MY INS. CO. REP. AND THEY TOLD ME THAT IT WAS OUT OF THEIR HANDS AND THEY ALREADY SETTLED AND PAID CHASE BANK IN FULL FOR THE AMT. THEY [ CHASE ] REQUESTED AS A PAYOFF BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I enrolled into XXXX in XX/XX/2015. My financial aid advisor never told me about taking out any loans. I 'm on public assistance & I brought in my paperwork to them so they can figure out what would be covered. Now I 'm getting emails from Nelnet saying I owe them {$22000.00} which is impossible because I never took out a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX year old woman on a fixed income and had a terrible experience getting a mortgage for a condo. I had signed all the papers, was told that there were no problems, the 30yr fixed loan would be approved in a few days and had been sent for final approval. I gave notice at my apt because I can not afford overlapping payments. 
The broker called and told me the 30yr fixed loan could not be approved because there are more than XXXX % renters in complex - SOMETHING HE SHOULD HAVE CHECKED ON IN BEGINNING OF PROCESS. He offered me an ARM. I initially refused. The broker and agent pressured me that I would not get my {$13000.00} deposit back because I signed the contingencies ( never explained ) and that the sellers would most likely sue me and also, possibly, the people they were buying from would sue. My apt had been rented and I had nowhere to go so I went ahead with the deal. 
The loan officer pledged to give me his {$2800.00} commission at signing, which I have in writing. ( So he would n't get in trouble and to reimburse me for the agony. ) My realestatae agent originally made the offer by phone. I signed on XXXX XXXX, no {$2800.00}. I have contacted the broker a number of times and he does not respond. The real estate agent is n't helping. 
The loan officer, who was also rude and accidentally forwarded me an insulting message sent to one of his coworkers, is XXXX XXXX, XXXX ID XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had an account well over 10 years ago with Discover Card. 10 years ago I had moved to brasil. A couple years ago they liened my bank account. That is exactly when I learned I owed Discover card over {$6000.00} what with attorney fees and interest ... 


While I was in XXXX they " served '' " me '' with court papers and got a judgement against me in court. I am a XXXX XXXX XXXX skinny XXXX male. They served someone who was described as XXXX '', XXXX pounds and XXXX,.. The judge laughed when I asked her to go see how I was " served. '' I immediately called the attorneys working for discover card. 
I sent proof all my money was XXXX payment standong term XXXX. Payments l exempt from judgements in California. 

When still spitefully made me wait a couple months till the court date. Maybe hoping. I would not appear a dashed get my entire movie ths income. 

I then sent off all the information to discover in Ohio. Pointing out the defective service. Giving them ALL my bank account numbers with proof it was judgement exempt income. AND??? 

They told me they assigned me to a new attorney who will probably wait and lien my account and hope that by then this permanently XXXX old man is too sick to. Are the long bus ride to court, etc etc By the way : I DID offer, in writing, to negotiate with them IF they could offer me any proof at all that the debt was actually mine, and how much of it was interest and attorney fees IF so ... But. Of course, they did n't have that. Guess they assumed they had me Locked in with their judgement.

Company response to consumer: Closed with explanation