vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I recently received a default letter from Ditech saying that they have n't received my XXXX XXXX mortgage payment. I have proof/documents that I have been making monthly mortgage payments. I spoke with a Ditech supervisor ( XXXX XXXX ext. XXXX ) and he says that my mortgage payment has been placed into Escrow. XXXX then says he will need to research my account and he will call me back once he had some more information. XXXX has yet to return my call and each time I try to contact him, I get his voicemail box. I call Ditech again XXXX/XXXX/XXXX and speak with another representative who tells me that my XXXX XXXX payment has been used to pay bankruptcy fees. I began to tell her that was incorrect because all fees were paid and discharged through Chapter XXXX bankruptcy court. The representative says she will email me a document that would verify where my mortgage payment went. I have yet to receive this email. There has been ongoing problems with Ditech misapplying my mortgage payments ever since my mortgage was sold to them from Greentree. The attached documents outline payments and letters from Ditech. The highlighted areas show information where Ditech claims I am in default {$1300.00}. I am only to make XXXX XXXX payment of {$690.00}. Ditech is now sending notices to pay this false {$1300.00} payment. Also, I am due to pay XXXX payment but I am hesitant to send it in because I am unsure how Ditech will apply it.

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 2016-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: ME

Complaint narrative:
I bought a double wide trailer in a park and got financing from XXXX in XXXX. It has a very high interest rate of 14.9 %. I am try to refinance before it gets 15 years old because I can not get financing with credit union after that. I am pre approved for financing or to buy another home. The problem is XXXX now Ditech has XXXX XXXX liens on the property XXXX. The new lender has asked at least 3 times for them to release the first lean, I have also called several times on this. We keep getting same answer, they will terminate the lien once they receive payment in full. The new lender or any other bank will not give Ditech any money while they have XXXX liens on the home. The first one should have been terminated. Therefore, they are preventing me from refinancing or selling the home. 
This has been going on since XXXX XXXX, XXXX. I want to do a payoff but they will not terminate XXXX of the XXXX filings XXXX. Clearly you can see on these XXXX 's that the secured parties on XXXX are XXXX. I should only have XXXX lien. I need to get out of this loan because it is a simple interest loan and I owe more for the house now than I did when I bought it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
We had a legal and binding contract for the purchase of XXXX XXXX XXXX XXXX tx XXXX. We offered well above asking price on the short sale purchase. The contract was accepted by the homeowner and Ditech, the third party lender. After selling stock for the down payment and paying out of pocket for home inspections, XXXX weeks prior to closing, Ditech closed the file. We could not understand what happened as they made a phone call to our realtor to say the file has been closed and they 're pulling it off the market. We were willing to close early if a closing date of XX/XX/XXXX was an issue and we were also willing to pay more then our excepted offer by another XXXX. After excepting an offer and being in a legally binding contract for the sale of this home they were unwilling to negotiate at all on good terms. we feel this was done under handedly after paying out-of-pocket for something and they should have never excepted an offer in the first place if certain numbers in limits were in place for them to go by the fact that they excepted the offer to begin with they should 've uphold their word and legal binding contract to continue and finalize the sale of this home. Please file a complaint against Ditech for bad business and having backed out of a binding contract. Contact us if there can be resolution. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Back in XXXX 2016 we had signed a contract to sell our home. Before the closing my attorney noticed there were XXXX defects in the title the assignment and the satisfaction. He faxed to Ditech servicing the loan for Greentree Servicing LLC all the information needed to correct this issue. The closing was on XXXX XXXX 2016, and the correction has not been done and there is {$10000.00} in escrow which belongs to me. My attorney and I have made numerous calls with no results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Scott Fetzer Financial Group Inc.
State: WA

Complaint narrative:
While I was XXXX XXXX my spouse open an installment loan contract for a vacuum cleaner in hers and my name. Upon returning home from XXXX I was informed of this contract. This contract is a fraudulent contract because my spouse did not have power-of-attorney ( POA ) to open installment contracts in my name. After reviewing the contracting it shows that my spouse signed my name as co-buyer. The salesperson should have deleted the contract because he never witness me signing the contract and never obtain a POA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
MY MORTGAGE WAS BEHIND APPX {$5300.00}. I SENT GREEN TREE SERVICER {$5000.00} IN THE FORM OF AN ONLINE CHECK. MY BANK RECORDS REVEALED THAT MY CHECK WAS CASHED XX/XX/XXXX. THE BANK DENIED EVER HAVING THE CHECK AND CASHING THE CHECK. I SPOKE TO MANY, MANY SUPERVISORS AND MANAGERS IN THE COLLECTIONS DEPT REQUESTING TO RECIEVE MY CHECK BACK BECAUSE I WAS TOLD THAT I WAS IN FORECLOSURE AND THEY COULDNOT ACCEPT THE CHECK. AFTER BEING IGNORED BY EVERONE I SPOKE TO ... .. I REALIZED THE ONLY OPTION I HAD WAS TO SEND THE BANK THE ADDITIONAL FUNDS TO BRING MY ACCOUNT CURRENT. THOSE FUNDS WERE IMMEDIATELY RETURNED TO ME FOR PARTIAL PAYMENT. XXXX OF THOSE CHECKS WERE SENT TO THEM THE EXACT SAME WAY AS THE {$5000.00} CHECK THAT I SENT SO I WAS CONFUSED AS TO WHY THEY COULD SEND THOSE FUNDS BACK SO SOON BUT NOT THE {$5000.00} PAYMENT I SENT. I DIDNOT RECEIVE MY CHECK BACK FROM THE BANK UNTIL THE END OF XX/XX/XXXX ( ALMOST TWO MONTHS ). BY THAT TIME I WAS CHARGED / ACCRUED PENALTYS AND LAWYER FEES THAT WERE ASTRONOMICAL AND TOTALLY UNCALLED FOR ( AS MY PAYMENT HISTORY REVEALS I TRIED TO BRING MY ACCOUNT CURRENT MONTHS BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Green Tree Service Representatives were extremely rude and threatening with me. They called me at various times of day and night, and even while I was at work, despite my constant requests not to contact me at these times. They have harassed and bullied me ever since they took over my mortgage from Origin, and they have caused me XXXX and have made me afraid of answering the phone in fear of homelessness in doing so. They have also made deliberate attempts to embarrass me in front of my clients while I 'm at work. They also would only accept payments through a pay service that charged {$12.00} payments for every transaction and forced me to set up XXXX payments at a time beforehand. They treated me like I was dirt, a second class citizen ... Like I was some sub-human trash.

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 2017-02-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focused Recovery Solutions, Inc.
State: NY

Complaint narrative:
this debt does not belongs to me

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 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV

Complaint narrative:
My father passed away XX/XX/XXXX. I am his only heir. The mortgage company at the time, XXXX, would not speak to me even though I repeatedly sent them the death certificate, will and administratrix paperwork. XX/XX/XXXX my property was affected by the flooding in XXXX, XXXX. The loan had then been transferred to Select Portfolio Service in XXXX XXXX XXXX, XXXX, and so I began with them to explain my father was deceased but that I have been making the payments. They transferred the loan to the Estate of my Father instead of to me even though I asked to assume the mortgage and I am the only heir and supplied them a copy of the Will and Administratrix paper work. They sent me a letter today telling me this loan was included in a bankruptcy my father filed in XX/XX/XXXX ( it was not - and if it was why would we make payments through XX/XX/XXXX?? ) I HAVE to have this transferred to my name in order to complete my FEMA paperwork for damages from the flooding. The law was passed in XX/XX/XXXX that children could assume a parent 's mortgage. What will it take to make these people understand this? I am at wits end!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
I have a student loan, XXXX I wasnt sure I had, since I had just paid off XXXX. Anyway the collections emails started, and then the calls. On the call, the woman asked for not only payment, but wanted all my tax info, including all my wife 's information. Since I was at work, I told her, repeatedly, like 4-5 time, that I do not have the info she was requesting. She kept asking for it, asking for a ball park estimate, all kinds of ways. I finally told her the only way I could possibly get her the info was to walk off the job. She said fine and that she would call me later in the evening. Then, a few days later, I got a letter stating my wages were going to be garnished in the next week, and then the week after that, my paychecks were being garnished. Also there is almost XXXX dollars charged for for collection fees. All the money they are garnishing is only going to interest. I tried to explain that I had tried multiple times to submit for a loan rehab, but the website will not progress past the second to last page, even when I switched browsers. That tells me it is theirissue, and not operator error

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 2016-03-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I received a default on mortgage, for months XXXX XXXX and XXXX XXXX, payments. The default amount does not match the amount per my accounting records ( per my mortgage modification ). I would like an accounting statement for years XXXX XXXX to the present day XXXX/XXXX/XXXX. Please include our monthly payment ( per the modification agreement ). Also, please indicate current payment amount, when and by how much the payment has changed within timeframe, clarify any fees incurred with date, and disclose all tax and insurance disbursements with date. Finally, please include a complete accounting disclosure of the " unapplied funds '', since acquiring this loan as Greentree Servicing in ( XXXX ). I plan on having this default reviewed by my attorney. I do not trust this mortgage servicing company is acting in good faith, and transparent accounting is not available through their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
On XX/XX/XXXX, I was contacted by a collection agency called, Advantage Group, XXXX, in XXXX, New Mexico. The call was in regards to what they said was XXXX outstanding debts. The first debt was from XXXX XXXX ( XXXX, NM ) for {$49.00}, for date of service on XX/XX/XXXX.The second debt was from XXXX XXXX ( XXXX, NM ) for {$45.00}, for date of service XX/XX/XXXX. I was not given any type of claim or reference number for these accounts from this collection agency. After a brief conversation with a woman at this collection agency I called my insurance company, XXXX XXXX, and the XXXX XXXX XXXX Department. After further investigation, XXXX informed me that the bill in question to XXXX XXXX was paid in full on XX/XX/XXXX, Claim # XXXX. XXXX XXXX XXXX stated my account had a zero balance and the debt had been paid on XX/XX/XXXX in the amount of {$45.00} on Acct # XXXX. I am not sure if this Advantage Group is legitimate or not, however, they certainly are living up to their name of taking advantage of unsuspecting people. I live off XXXX and a small government pension. I am appalled that this or any other company of this nature preys upon people. If it has happened to me how many others has it happened to. In spite of my health conditions, I understand how insurance works as I am retired from XXXX after nearly 40 years, of which over XXXX was served as a XXXX at the XXXX, NM XXXX XXXX XXXX. This fraud must be investigated so that others, especially the elderly, will not be taken advantage of by this or any other company of this sort in the future.

Company response to consumer: Closed
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I got dumped on this company ( Greentree Servicing LLC ) by XXXX back XX/XX/XXXX. They are trying to put me into a forced escrow account. It 's been a battle to no availe since XX/XX/XXXX.There is ABSOLUTELY no one to discuss the matter with ( only cust svc reps XXXX. I have paid all my required interest pymt, s on time w/add, l principal paymt, s. All my taxes are paid up to date. They are holding back my pymt 's and not applying my interest / and or principal pymt, s. To make a long story short ... ... ... ..they have implied and told me that they would start foreclosure proceedings on our property. I have NEVER been late with a mortgage pymt. THEY ARE ALSO IN THE PROCESS OF RUINING MY CREDIT!!!! They are saying that I.m not paying my mortgage. The issue is the escrow account I can elaborate further later on. I am XXXX yrs old XXXX ; as is my partner XXXX wife ) to be. I am XXXX a Veteran and we are ( were ) in the process of applying for a VA loan. This company has made a shambles of our plans. What they are doing, is unethical ; probably illegal and have from the beginning ; been unwilling to discuss this issue. YOU CAN ONLY TALK TO A CUST SVC REP!!!!!!! IT, S A JOKE ... BUT NOT. I HAVE ALL DOCUMENTED INFO ON MY PYMT, S, AND FROM THE LOCAL TAX OFC. By the way ; I believe this company has been practicing their tactic, s for some time. As we speak ; they, re changing their name again XXXX ... Please help us with any assistance you can provide us.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I have received statements from Green Tree Servicing with conflicting account balances for the last 2 years. I have yet to get a correct statement from Green Tree Servicing. I have attached all of the documentation to prove that I have been making my payments and also that they have been calling my neighbors and informing them of the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
This is in regards to case XXXX The loan was transferred to Ditech Financial LLC with acct number XXXX and even stated the property address that was involved which is XXXX. XXXX CA XXXX that was short sold in 2009. We are continually getting mails and phone calls from this company and I hope you can help us resolve this. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
My mortgage was sold to Ditech soon after I purchased my home in XXXX, XXXX. I had set up an escrow account with the original company handling my loan. Here 's the problem : In South Carolina ( maybe other states as well ) persons XXXX years of age and older are allowed a Homestead Exemption on property tax. Nice, right? Ditech refuses to honor that exemption and has, for nearly XXXX full year, been over-charging me in the amount it collects for escrow. I have been communicating with them since XXXX, XXXX, when I realized what was happening. They are stone-walling me at every step. I sent the tax bill from XXXX XXXX, SC directly to their Tax Dept., per instructions from their Customer Service Dept. A few weeks ago I spoke with a Supervisor in their Tax Dept. who was going to look in to this issue. I heard nothing back ; meanwhile, taxes still not reflecting the exemption. Today I spoke with the same Supervisor. He wondered if the document I sent to his department maybe " got lost in the mail? '' But, in any case, he explained they would not be changing what they are collecting from me monthly tax-wise. 
Even more curious, the Customer Service Rep. I spoke with before she transferred me to this XXXX XXXX, had my information right in front of her. She said, yes your taxes are showing a reduction, and gave the correct amount allowing for the exemption. Still the tax department can not manage to make the necessary adjustments. I believe that this is being done purposefully, without a doubt. I am starting to look at refinancing with my local bank ASAP. Ditech is, in my mind, behaving in a criminal manner in regard to my mortgage/escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
I have received numerous letters of debit collection from XXXX XXXX regarding an alleged debt owed to XXXX XXXX XXXX. I have never opened an account with XXXX XXXX XXXX, and when I requested a letter stating such i was informed that the account had been closed. I further requested a letter stating such and was informed that XXXX would not forward a letter to me the consumer. So, i further asked if XXXX would inform the credit agencies and the representative for XXXX hang up the phonw.

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 2016-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I am behind on my mortgage due to an extended unemployment. I have been working with an HUD approved counselor during this period. I began receiving Social Security {$1600.00} and the HUD approved counselor applied for a Loan Modification with my loan servicer. The servicer came back with a monthly payment amount of {$1500.00}, which I can not afford to pay. The HUD counselor was told from the servicer that my Fannie Mae loan is n't based off of income to qualify. She attempted to contact XXXX XXXX, but was unable to verify what the loan servicer had communicated. I am nearing foreclosure and would like to remain in my home.

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