vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
The lender makes every effort to not credit payment on the date that it is received. 
The lender charges high fees for making payments and intentionally delays posting payments to create additional late fees. 
The United States Postal Service confirms that the payment was received on XXXX XXXX but the payment is not posted until XXXX XXXX. The Lenders ' correspondence states that a late fee would only be charged after the XXXX. But a late fee is charged to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I am filing this complaint because Ditech Financial is unjustifiably holding my escrow overage of over {$500.00}. My mortgage escrow account was due for a yearly analysis XX/XX/2016. This was the procedure for prior years and was noted on Ditech 's online website. XX/XX/2016, I noticed that the analysis STILL had not been done. I forwarded an email to them and the next day the analysis was finally done. The analysis showed an overage on my account which was mailed to me. The problem, in addition to being one month late, was that I had moved just as this check was mailed to me. I waited for three weeks and when the check and analysis was not forwarded by my post office, I sent an email to Ditech instructing them to stop payment on the check and issue a new one since I believed either it was lost or was being returned to Ditech. The check finally arrived a few days later and I decided to deposit the check since I had heard nothing from Ditech in reply to my email. The check cleared and I assumed the matter was settled. However, Ditech withdrew the money from my account. When I called them in early XXXX, 2016, they said they had done what I had requested. In fact, I requested a stop payment NOT a withdrawal and I told them to reissue the check and send to my new address. So they did NOT do what I had requested in my email. The withdrawal occurred on XXXX XXXX, 2016 and as of XXXX/XXXX/2016 ( nearly two months ) I STILL have not received the replacement check. Ditech has no right to hold on to this money. I believe they are trying to float the money which is profit for them using my assets. This should be and may well be illegal. I have written them numerous emails trying to get this resolved. They, in turn, have done nothing except send form letters that they are " reviewing my written request ''. There is nothing to " review ''. They clearly have an obligation to give me my escrow overage money and are using stalling techniques to avoid paying me what they have owed me for over 4 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I had a loan with XXXX who entered into a loan modification agreement with me and then suddenly transferred my loan to Greentree Servicing LLC who did not honor the modification agreement. Subsequently they started the foreclosure process in 2010 where it is now in the hands of the court. I need your help to correct this injustice. I 've suffered a XXXX XXXX and other illness XXXX and anguish this has put me and my family through. Not to mention the irreparable finanancial harm this has cause. 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 2016-05-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I confirmed receipt of my XX/XX/XXXX payment by the servicer on XX/XX/XXXX. The payment was not posted that day. I continued to check their website and noted that they did not post the payment until XX/XX/XXXX. In addition, I received the next monthly payment statement and it listed the effective date of the payment as XX/XX/2016. During this time, I reached out to the servicer ( via their message center on their website ) three times and received no response except an automated acknowledgement that message was received. My last message was titled as a QWR as I believe the effective date of the posting is in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
Grenn TRee LLC Has been charging me for home owners insurance since XXXX of 2015 with uot my knowladge or concent. They also made a payment to my own homeowners policy XXXX with out my knowladge or consent. They then shorted my escrow account for the month of XXXX and are now asking me to pay for it. For some unknown reason for the month of XXXX 2015 my mortgage payment went from {$1400.00} to only {$840.00}. I called them XXXX and asked why and no one could give me a clear answer only sumizing it was for the insurance charnges. Now they are asking me to pay for a {$530.00} escrow shortage? Can you please investigate these discrepencies? Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I suffer with XXXX I had some hard times XX/XX/XXXX my husband walked out and left me with all the bills with XXXX children I had a loan with people 's finance in XXXX south Carolina I owe {$550.00} charge off XX/XX/XXXX as of this month XX/XX/XXXX they still charging interest now I owe {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I had my mortgage from greentree servicing that did not honor my loan modification I submitted paperwork XXXX different times. They said i was in foreclosure of which I want and charged my account {$1500.00} and really harassed me with phone calls and when I paid charged me a convince fee many times. I believe I am entitled to money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: Financial Credit Network Inc
State: CA

Complaint narrative:
I have repeatedly informed Financial Credit Network and it 's original creditor XXXX that I am not the responsible party for this debt that is reporting to my Credit Report in the amount of {$190.00}. The responsible party as of XX/XX/2015 is XXXX at XXXX, XXXX, CA XXXX. Also XXXX has record of the Owner changing the gas into her name around XX/XX/2015. This person can be reached at ( XXXX ) XXXX. The original creditor has this information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
An empty lot adjacent to the property that is the Commitment in the Security Instrument for my mortgage had a lien incorrectly placed on it. I would like to sell that lot, and can not get the mortgage company to remove the lien. XXXX backs the mortgage, and Green Tree Servicing , LLC is the servicing agent. Green Tree refuses to process my request for a title defect from origination, which is the preferred method per XXXX servicing guidelines. Instead, they want to process as a partial release of mortgage, which requires them to make the determination that the release of property does not adversely affect the debt-to-asset ratios, which it will. Therefore, they are unwilling to fix the issue. The county will not remove the lien, unless the mortgage company is willing to sign that the lien is in error, or that they willfully remove the lien. Since, neither Green Tree or XXXX will sign a document, or resolve the title defect, I am unable to sell a lot that was never part of the mortgage. 
I am attaching the original mortgage, which shows a purchase of Lots XXXX and XXXX, with the transferred property rights in the Security Instrument being only Lot XXXX ( see bottom of XXXX page of attached mortgage, under section TRANSFER OF RIGHTS IN THE PROPERTY ). I paid cash at closing for Lot XXXX, which as an empty lot, could not be made part of the Security Instrument.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Ditech and the credit bureaus are falsely reporting as of XXXX XXXX, 2016 that my last mortgage payment was on XXXX XXXX, 2016. Ditech and the credit bureaus are falsely reporting that my account status as of XXXX XXXX, 2016 is " past due. '' I have written the company, and when I called the company on XXXX XXXX, 2016 I was told that they only report to the credit bureaus every six months. It is not acceptable for the company to have false information in my credit report for a six-month period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I received a check in the mail from my mortgage servicer stating that I did not send enough to re-instate my loan. I have been sending them money on a regular basis since I regained employment. I am trying to catch up on my payments as fast as I can. Why are n't they accepting this payment when they accepted previous payments and payments since this payment? Help me stay in my home! I 'm desparately trying to catch up on my mortgage that was already modified once!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I usually pay extra on my mortgage. Every servicer I have ever had always just applied this to the principal. My servicer was recently changed to GreenTree. I noticed a statement on my bill that " partial payments '' are not applied, but held ( presumably without interest ). My additional principal was treated as a partial payment. More importantly, if I ran into hard times and paid less ( but still covered interest and some principal ), *NONE* of that amount would have been credited to my account. This practice should not be permitted. Payments should never be placed in limbo not earning interest while you 're paying them interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: HI

Complaint narrative:
Ditech has applied mortgage payments incorrectly and a mortgage payment is missing. I use auto pay to pay this mortgage and when my interest rate increased in XX/XX/2016 ( XXXX ) they started calling from their collections department stating that I was not current on my mortgage, which was incorrect. I allowed them back in XX/XX/2016 to take the adjusted increased mortgage and was assured that they would not take my auto amount also. They deducted both so I told them to apply the original amount to principle. This started a series of journal adjustments to my account and now an entire payment is missing. In XX/XX/2016 I made my usual auto payment of {$1800.00}. In XX/XX/2016 the new amount of {$2100.00} was deducted from my bank account along with the {$1800.00}. In XX/XX/2016 & XX/XX/2016 they deducted the auto amount {$2100.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016 they deducted the auto amount of {$2100.00}. I have tried to work with Ditech but contacted XXXX when I realized that they were not crediting my account properly and my mortgage balance was higher after payments were credited. XXXX tried to get the information corrected but was unsuccessful. XXXX agrees that there is still an entire payment missing from my account history and the balance is incorrect but could not get Ditech to respond to their inquiries. Yesterday my representative with XXXX, XXXX, suggested that I contact CFPB to get resolution as she was unable to correct the information. Ditech has finally stopped contacting me from the collections department, which they never should have as I am current and have been as long as they have had my 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 2016-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I made two payments XXXX XXXX and XXXX XXXX in amounts of XXXX usd each for a total of XXXX for XXXX XXXX mortage of XXXX. ditech shows my account as late and after receiving call from their rep on XXXX XXXX, agent winsdor stated he saw the two payments and he would fix it, monday XXXX XXXX when i called the rep stated nothing was done and she would take care of it. on XXXX XXXX as promised by ditech it would be fixed i spoke with Supervisor XXXX, stated it was not fixed since they are having problems and would not be able to fix it for 30days. in the meantime they are sending me late payment notices. 
when i make my XX/XX/XXXX payment even after XXXX 's promise that payment will be applied for XX/XX/XXXX, i know it would default for XX/XX/XXXX payment. ditech is ir-responsible in their duties and should fix this problem instead of sending me late notices and making calls for why the late payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I was under a loan modification. I was assigned a Home Preservation Specialist. I paid all modified payments as agreed. Document dated XXXX/XXXX/16 presented the outline of the permanent modification terms, including line XXXX. " Escrow shortage payment ( if applicable ) {$23.00} ''. My loan preservation specialist explained that the modified loan would do just that, pay the escrow in arrearage. The fact that an amount was populated, acknowledged by Wells Fargo that there was an arrearage and they declared that arrearage amount to be XXXX. I was given new payment amount and under these pretenses I signed and obligated. In fact the loan packet was sent twice and signed XX/XX/XXXX to be retro effective to XXXX XXXX. It is recorded and in effect. XX/XX/XXXX is my first month of payment since the signing and the Home Preservation Specialist no longer takes my call per not on his caseload any longer. Today I received an Escrow Account Disclosure Statement and Notice of New Mortgage Payment. I am being billed for the escrow arrearage that they did not capture, nor inform me of, nor bill me for, nor roll into the new loan for {$1300.00} and increasing my loan amount due to their error. My option is to find the funds and pay up front or increase my monthly mortgage payment immediately after signing a modified loan agreement. This is a misleading and fraudulent representation and I can not get anyone to own up to it. A supervisor in customer service was able to help me identify the error that Wells Fargo made, but he is not in the capacity to change it. I feel that if Wells Fargo stated in my preceding introductory documents that my arrearage was {$23.00}, and they reviewed through underwriting on multiple occasions, and I was lead to believe my loan payment would be {$950.00}, I do not believe it is my obligation to immediately increase my payments. This is fraud and misrepresentation. XX/XX/XXXX was when they processed my paperwork, and XX/XX/XXXX is the first month without representation from home preservation specialist. and is the same month that they hit me with a new increased amount. Note the attached XXXX XXXX, 2016 letter congratulating me on the processing of the modification. Immediately they change the terms. This is fraud!

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 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I had my mortgage bought by Greentree Services XXXX I have an automatic payment plan with my bank that pays my mortgage amount each month and have never missed a payment. I have my bank records showing the payments made each and every month. I received a statement from GreenTree claiming I was in default and demanding the full amount of my mortgage. In addition I have an escrow account and Greentree continues to miss paying my taxes and insurance from my 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 2017-01-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
RE : DiTech Financial LLC Acct # XXXX To Whom It Concern, I am filing this complaint in regards to the DiTech Financial account ( # XXXX ) that is reporting on my credit report with a past due status. I do not understand why DiTech is reporting this note as active. They have failed to demonstrate any ownership of the note or be able to provide proof if they are the servicer or note holder of this alleged debt. Please note the missing original pages noted with the contract copy. 
This loan was originated XX/XX/XXXX by XXXX XXXX XXXX, XXXX. The loan was for a XXXX XXXX manufactured home that was purchased XX/XX/XXXX. 
Please see the attached Title from the State of Michigan dated XX/XX/XXXX reflecting " no secured interest on record ''. There is no standing for any active loan to be collected on. 
I am respectfully requesting a complete removal of the DiTech listing on my report. It appears they may have acquired this loan by error. Please reference all attached documentation and dispute response from DiTech Mortgage. 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 2016-02-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Creditors Specialty Service Inc
State: NY

Complaint narrative:
I need to complain about multiple behaviors. First and foremost, the debt was not owed! That said, they engaged in the the following behaviors : ( a ) Made harassing phone calls including threats and profanity ( b ) been unwilling to provide actual details about the amounts owed or from where the original debt arose from ( c ) offered no way to dispute the debt ( d ) said they were lawyers ( e ) never sent written information This firm is a set of crooks. There is not even an attempt to seem like a reasonable, honest or forthright firm. This is the kind of firm the CFPB was established to investigate and penalize. 

The firm is called Creditors Specialty Services , Inc. in XXXX California. 

They claim to be associated with the following attorneys -- XXXX XXXX There is no way to call them directly or discuss a dispute because they have no business other than harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: MO

Complaint narrative:
I have a high interest installment loan through Rise. I pay {$220.00} every 2 weeks with {$16.00} of that going to the principal. I had a medical procedure done that kept me out of work for just a little more than a month. I did not receive a paycheck during that time. This has put me a few payments behind on my loan as they come due every 2 weeks. I am trying to get this all worked out so I can catch up with them over time as I just started back to work today. My issue is when I came back today I was told by my coworkers that this number called ( XXXX ) so many times a day that they turned off the phone in our office. I had spoke to them before and told them this was my work number and they are not to call me here. I started looking through the missed call option on our XXXX phone at work and counted at least XXXX calls from them over this weekend alone. This is unacceptable and causing big problems at work. I understand I owe them and I am behind on some payments. I am willing to work something out with them but calling my work to harass me and doing multiple attempt debits to my bank account that has no money in it racking up a ton of fees. This is not helping their cause as I have to pay my bank now instead of putting that money towards catching up on my loan. They tried withdrawing twice within a few minutes during XXXX attempt which racked up an instant {$70.00} more to my bank account fees like the money was going to instantly appear in there after the first attempt a few minutes earlier. I am trying to get a debt consolidation loan to just pay them off. I am contacting them today to see what we can do to catch up in a reasonable time and matter as I have just started back to work. This is my issue with them.

Company response to consumer: Closed with explanation