vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
A payoff request for a first mortgage loan was submitted to Ditech on XXXX XXXX, 2016. In the past 4 1/2 weeks they have acknowledged several times receipt of the request yet have been unable to provide a written payoff request. They have stated that the attorney faxed it, the attorney was still working on the figures, money was applied to the account incorrectly. Every day they tell me that we will receive it tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
DITECH I am having serious problems with the servicer of my home equity line of credit. The loan was originated by XXXX XXXX XXXX ( a predator lender ) then assumed by XXXX XXXX XXXX then sold to Green Tree now known as DITECH I have had repeated problems with Green Tree/ Ditech . such as : 1 having my monthly payment applied to the wrong account. 
2.holding the amount I paid extra with my monthly payment in an escrow account to be applied toward next month 's interest. **It should have gone to reduce principle. 
3.confusion and lies in addressing my latest concerns, due date change, loan modification or ReFi. 

Ditech is reporting me over thirty days late with my payment for XX/XX/XXXX. 
My payments are due on the XXXX of the month. So I pay the XXXX of the month only3 days later. Each month I send extra for the 3 to 4 day delay and verify it on the next statement When I saw my credit bureau, I forwarded a copy of each monthly payment debited from my bank account for XX/XX/2016. to Ditech I called a couple days later to discuss and get the error corrected. The gentleman I spoke with was having difficulty and asked his supervisor for help. 

Supervisor XXXX asked me " And what is your question ... ''? I guess she had n't been briefed so I explained again. She responded in a very harsh tone " Well you 've been over 30 three times ... ''. I was astonished, thanked her and concluded the conversation. With that attitude I was n't going to get anything resolved. 
I called two mores times the next week and got promises " you will see the correction in XX/XX/XXXX '' or " you 'll get a call back '' So who was I to it write to. Ditech, s president, XXXX XXXX is gone, resigned or fired. The parent company, XXXX XXXX, XXXX XXXX, CEO is working to downsize the company to make it more " efficient ''. 
What happened to providing effective customer service for the accounts they have. The staff is rude and confused. This is clearly not happening and needs oversight by a Regulatory Agency. 

My loan is due to reset to higher payments, no one knows when. I did the math. A higher payment I can not afford and sill cause me to default. I asked Ditech 's loan modification specialist, XXXX to please call me so I could apply. To date I have not received a return call from Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
XXXX took over servicing my home loan on XX/XX/XXXX from XXXX XXXX ... Letter was sent XX/XX/XXXX stating to now pay XXXX per bankruptcy court starting in XX/XX/XXXX ... In XX/XX/XXXX XXXX became Green Tree ... I was now paying Green Tree till it became DiTech in XX/XX/XXXX ... My loan was a predatory loan from XXXX ... I alerted the Banking Lending Comission of Texas in XXXX in XX/XX/XXXX ... I became part of XXXX 's bankruptcy filings due to the fact of only {$50.00} going to the principal of my mortgage ... I found this out upon the death of my husband XX/XX/XXXX ... I have tried to get out of a 7.9 % loan interest ... but to no success ... I have applied to Green Tree and Ditech for a loan reduction mortgage rate ... still no success ... 
The road block is {$20000.00} taxes owed on my property due to a long story ... I have tried to have them put it on the back end of my loan and they pay the taxes but they say it can not be done ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
XXXX originated my mortgage and then sold it to Ditech ( loan # : XXXX ) Ditech is refusing to honor my request to start the process to remove PMI. During the transition, there were late fees charged to our note -- directly due to the transition from XXXX loan servicer to another. Funds have been held in suspense since the transition that more than covered the late fee -- yet, Ditech will not honor repeated requests to net the funds in suspence with the late fee.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
My mortgage company stopped escrow without consent. It is clearly written in my contract. I have been working for a over month to have my taxes paid. This will be added now to my monthly mortgage payment. They guaranteed my taxes will be paid but still are pending. I have made several calls with no resolution. I am told it is being worked on by the tax department through the mortgage company. I do not get call backs even though I have asked to be called. I ask what I can do to help resolve this issue. I am told there is nothing more I can do. I have contacted my local tax collector and they have also sent the delinquent tax information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
MY mortgage company started out with XXXX, then XXXX, Green tree, DITECH, Now DITECH FINANCIAL LLC. in XXXX transferred to GreenTree a debt collector as XXXX failed, then transferred to ditech. I started to questions the validation of debt and green tree or Ditech has yet to validate the debt. My understanding my deceased husbands estate XXXX out the balance of the mortgage when he passed away and information was provided to green tree and ditech. Public Policy and Alabama Law as a widow and heirs we have rights. The are continuing to report on my credit report now stating I had a mortgage with them XXXX/XXXX/XXXX this is a complete lie. I never had a mortgage with GreenTree or Ditech or signed a contract with them XXXX/XXXX/XXXX. to make it clear I signed a note with XXXX and I have documents of this. XXXX has released the lien and satisfaction of mortgage. Ditech has changed to Ditech LLc a debt collector and continues to report on my credit report and will not XXXX out the balance. I do ask them to credit my account. I have asked many time to see both sides of the books and a complete audit and they refuse. I hate to have to sue I will receive a large sum for all the fraud this company has done. Nor did I ever authorize this company to have my personal information. I have my common law copyright and trade mark on file in the county I live and sent a copy to Green tree. They have ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I was {$48.00} behind on our mortgage because our town raised taxes and our escrow account fell behind. GREEN TREE SERVICING called my XXXX year old mother who lives in a different city and has no connection to the loan and told her we were behind on our mortgage. She said she did n't sleep for two days worrying that we were in financial trouble. Since I could never think a real company could do something like that I told her someone was trying to scam her and then she worried about that too. Major violation of privacy and unfathomable business practices to just call relatives and talk about someone 's finances. They already got in big trouble for this in Vermont, but they are still doing it. ( This happened in XXXX 2015 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National XXXX keeps calling and leaving messages. I spoke with their President at one time months ago and he promised to remove my number, but they called again several times lately. 
This is the XXXX time I have had to write you a letter. This is a copy of the letter I sent today. 

You keep calling my office number and leaving a message for a ( sounds like ) XXXX XXXX ... YOU MIST TAKE MY NUMBER OFF YOUR LIST. Months ago, I had to go all the way to the head person. He promised to take my name and number off the list. If I have to do this again, I will file a complaint and make sure I gather all my emails and call info. The harassing messages are coming from a XXXX call center -- - number XXXX XXXX. 

Besides, I understand it is not legal to leave a message about a debt anyway! 
DO NOT CALL my numbers again!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: CA

Complaint narrative:
I have had an account with DriveTime for over year now since XXXX XXXX, 2014. Since this time I have made monthly on-time payments via direct debit from my checking account. These on-time payments are not being reported to any of the credit bureaus. I 've contacted DriveTime about this issue and they told me they were having a dispute with the credit bureaus and once this was resolved my account would be reported. They also sent me a letter stating it would be corrected. As of today 's date this is still a problem and is causing an issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: FL

Complaint narrative:
My Govt. check usually is deposited in my bank on the XXXX of each month. I was sent an e-mail stating that my check would not reach my bank until XXXX XXXX, I sent Spotloan a request to defer their debit payment from the XX/XX/XXXX to the XX/XX/XXXX ( XXXX days ) They responded that they would not be taking out my next payment and by deferring my payment would add {$590.00} in interest to my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Based on the PennyMac response received on XXXX for case number XXXX, it looks like the bank sent my property tax payment to XXXX XXXX County instead of XXXX XXXX County. They need to confirm that the payment was sent to the correct county. Please investigate and let me know for sure when XXXX XXXX County received the payment. Again, I am not responsible for any late fees. PeenyMac should be responsible of the late fees if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I was contacted on the telephone by an agent from National Credit Adjusters in XX/XX/XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at XXXX XXXX. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all XXXX agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have no recollection of this collection. NCA. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. 

NCA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I receive calls around XXXX on a XXXX basis. When I pick up the phone, no one is on the line. When I call the number back, the operator is reluctant to provide their name, the company name and they hang up before I can get the company address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: NY

Complaint narrative:
I attended an off campus adult program, run by XXXX XXXX campus. The courses were given at a XXXX school, and was a BA program for adults. I received my share of Pell and TAP. And everything was costing me nothing out of pocket. After 2 or 3 semesters, we where told the program was ending, and we had to continue our courses, at the main campus. The problem with this is the tuition rose to XXXX a semester, and I was forced to take out loans. I 'm now over {$50000.00} in student loan debt. And I received not a dime. Nor was I able to continue. I would like this loan forgiven due to the fact the actual school and or program was shutting down and moved resulting in higher cost. Which I did n't sign up for. Please I 've been fighting this for numerous years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ACS Education Services
State: CA

Complaint narrative:
ACS is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from XXXX XXXX, which worked fine for me through law school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone XXXX ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on ACS and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at ACS are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
FRAUD OF ( PennyMac Loan Services , LLC ) REF : PennyMac Loan Services , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. XXXX ID # XXXX. 
I have an account with PennyMac Loan Services and I have Insurance with XXXX XXXX XXXX for last 5 years. PennyMac Loan Services NOT Releasing the payment from my Escrow account. My agent reached PennyMac Loan Services , LLC 3-4 times and there is NO Response from PennyMac Loan Services. and iLLegally Imposing Amount : {$2800.00} for insurance. XXXX/PennyMac Loan Services always play these games. I have a OLD Complaint against XXXX XXXX XXXX and Returned my Money. After Complaining to CFPB. Please Help me AGAIN with Fraud of PennyMac Loan Services. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial
State: WA

Complaint narrative:
I obtained a loan thru Spot Loan for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as XXXX. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following XXXX. However, the agent ( XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am overwhelmed with stress from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -

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 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
I received and signed the attached loan estimate and closing disclosure statements with this lender for a mortgage which stated a monthly mortgage insurance rate of {$220.00}. The final closing disclosure statement increased the monthly mortgage insurance rate to {$270.00} with no explanation or change in circumstances XXXX days before our closing. This means that tomorrow I will be forced to accept this last minute increase so that I do not lose the home or I have to forego the closing and I do n't really know what would happen to my paid deposits, appraisal fees, inspection fees, etc. It should not be legal to change the mortgage insurance once the closing disclosure is signed.

Company response to consumer: Closed with explanation