vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
The mortgage was transferred from XXXX to green tree on XXXX XXXX. The same day a escrow summary was sent from XXXX saying we needed to pay a buffer of XXXX by XXXX XXXX or the mortgage would go up by XXXX dollars. Green tree has no records of this but shows the increase of the mortgage. They have no escrow rep other than customer service and do n't even have our latest escrow records. How can they have our mortgage and no escrow records? I 've talked to supervisors and no one will help us. And I Faxed them our own records out of pocket to try and get this taken care of before XXXX XXXX XXXX what We got was they would review it. We are running out of time. It 's very bad run company and they sent us a record when We complained saying We were disputing the debt. Like I was disputing the whole mortgage. We were not and it was a scare tactic. I 've lost my temper with them and been frustrated, I 've tried being nice, I 've tried to be considerate and it all fails. We just do n't understand how they are strong arming us for asking questions about the mortgage. 
The kicker is they tried to talk us into refinance at one point too. I just do n't know what else to do. They said they would take the buffer over the phone and waive the fee, but when I faxed the paperwork on XXXX XXXX no one called back. Then on XXXX XXXX I called and the supervisor would n't even get on the phone and they said escrow dept would have to review and they did n't know how long it would be. Effectively putting us past XXXX XXXX. I 'm distraught by this company and the lies, ineptitude, and general feeling of doing us a favor of taking our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
This is regarding the business Greentree Servicing. I have been trying to make my mortgage payment for the past two-three weeks. No one at the company is answering the phone/my calls and the company 's website wont take my payment online. I originally made a payment on XXXX XXXX and was told on XXXX XXXX that it did not go through. I called on XXXX and everyday since then to try making the payment again and have yet to reach someone with the company. The only contact number I can find in relation to payments is ( XXXX ) XXXX, and no one is answering. I do not know what else to do and its getting close to the end of the month. I do not want this to be reported on my credit when I actually do have the money to make the payment. Anything that you can do to help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
We had filed for bankruptcy a few years ago, and it was discharged. then we started getting letters form the city of XXXX about weed control. we sent them copies of our bankruptcy and tried to explain that we no longer had control of said property. if to this day we keep getting told that the bank never follow through with fore-closer and that westill have our name on the papers. then the first part of XXXX 2015 we get a letter form a lady that we must take care of a tree. What do we do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 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: OH

Complaint narrative:
I have been trying to consolidate my loans for the past 6 months now. My loans are supposed to be with ECMC-they are stating that my loans are in a repurchase phase and that they do n't have them and that they are to be picked up by XXXX XXXX XXXX. I called XXXX XXXX XXXX and they have no record of me whatsoever. I have been denied numerous time for consolidation because ECMC is holding and reporting incorrectly on my loans. They are improperly servicing my loans which is causing me negative reporting on my credit report. I am trying to re-establish repayment of my loans and can not do so because this agency ECMC is incompetent. Please recall me loans from them or have them properly update my loan information so that I can move forward with my financial obligation to repay my loans. They are reporting that I am in Bankruptcy and I have sent over my discharge notice to them as well and they are still incorrectly reporting on my loans.

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 2015-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2015, we made application for a refinance mortgage from Ditech Mortgage Corp. They requested documentation which we supplied, and were given preliminary approval. On XXXX XXXX, 2015, at Ditech 's requirement, we paid an appraisal fee of {$440.00}. They then requested more documentation, which we submitted. Today, Ditech informed us we need to show a one-month 's cash reserve of the mortgage payment ( including tax and insurance escrow ) in the amount of about {$850.00}. Since paying the appraisal, we no longer have that much in reserve. Ditech informs us that this is an FHA requirement. That means they knew of the requirement BEFORE they required us to pay for the appraisal, but they did not disclose that requirement. Consequently, we believe we have been defrauded of the {$440.00} appraisal fee, unless they go ahead and fund the mortgage or refund the fee to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World Finance who I got a loan from showed up on my job to deliver a letter not XXXX but XXXX. How do I handle this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
After seeing Debt Recovery Solutions on my credit report I contacted the original creditor because I thought this bill had been paid off already. The original creditor ran my name and social security number it showed a {$0.00} balance. I decided to inform Consumer Finance after completing a over the phone dispute XXXX because the bill is still being reported as open. The bill being reported as open leads me to believe XXXX XXXX XXXX is ignoring the cease and desist I sent them through their own website on XXXX/XXXX/2015 XXXX. I do n't work with collection agencies to settle debts. 
I had a bill go to collections a few years ago that I paid. 
The collection agency however never reported the bill as paid, instead they sold it to another collection agency. I showed the proof to the new agency which stopped it 's collection efforts and the original creditor who counted my bill as paid in full luckily for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
My customer account rep. was very rude and disrespectful. I have never been talked to and treated so poorly by a company. First mortgage company out of all the mortgage companies that our loan has been bought out by. The account rep. refused to set up a payment arrangement for me to make a payment on the XXXX day past my due date. I explained to them that the last couple months had been financially hard. She did not care and began to tell me, how that 's no excuse and lecture me on how and what I should be paying with my income. That she has XXXX kids and a single mother and would n't let me get a word in edge wide ... I told them the soonest I could make my payment for XXXX XXXX would be XXXX XXXX and that I could make my XXXX payment on the XXXX of XXXX. She said that was unacceptable and that I needed to start calling family and friends to borrow money, when getting off the phone she says in a very smart tone " good luck ''! WOW, worst company ever!!! No trying to help the customer stay in their home and help them get caught up on payments! Its almost like they enjoy telling you that they will start foreclosure ... .to beat it all she called back several times and said the same things over to me, lecturing me on how to handle my finances, that she has no clue about my personal finances and even had the nerve to ask me, " how much I spent on my kids XXXX? ". The few months I have been with them I could write a book on all the unprofessional, unethical things that they have done! WOULD NOT RECOMMEND AND WOULD NOT BE WITH COMPANY HAD THEY NOT BOUGHT OUT GREENTREE!!!

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 2016-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Hello- I began paying Ditech additional money towards principal beginning XXXX 2016. I sent XXXX checks. XXXX for my normal payment and XXXX with principal written on the memo section. The mortgage company misapplied my payment. I had to call 3 times in XXXX to have it resolved. I let them know I planned on paying extra each month and to always apply extra to principal. I was assured this would be ok going forward. I then paid my XXXX payment on the Ditech website and indicated the extra amount should go to principal. The payment was again misapplied. I 've called them now 3 times in XXXX to resolve. The mortgage has been applied as of XXXX XXXX. The payment was made XXXX XXXX. However the extra {$500.00} I paid is now sitting against " late fees ''. There are no late fees due on the account. I am worried about the mismanagement of my account and afraid I 'm not receiving the proper credit of payment. I can not call 3 times each month to instruct how payment should be applied. The mortgage company should be able to handle extra principal payments. This is a normal occurrence in the mortgage world. Also my loan is a fixed rate. They have been listing me as a variable rate the last 2 months. My contracted paperwork is for a fixed rate loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( " CFPB '' ) Complaint No : XXXX Ditech Financial LLC Account No. XXXX I submitted a complaint reference above because Ditech refused to post my payment. After almost two months, they did finally posted the payment, I immediately made the next months payment. Now, they decided to report on my credit that I was late, even in the letter and response they said they would n't. They are lying again!!!! Is n't this criminal act?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
I submitted my mortgage payment on XXXX XXXX which was due on XXXX XXXX. I received a call from Ditech in XXXX that my mortgage payment for XXXX was late. After informing the person that my payment was submitted on XXXX XXXX, the person said the payment was incorrectly applied to the principle and they would send a request to fix the problem. I continued to receive calls and letters from the company that I was delinquent on my payment. I have called or spoke with Ditech at least 6 times and they said the mistake would be corrected each time I spoke with them. 
After XXXX weeks of trying to correct this mistake, the issue has still not been resolved and I continue getting calls letters from the company stating that I am late on my payment. I keep getting excuses that they are updating the computer system and they do not know why it is taking so long.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
My current mortgage company - Greentree Servicing LLC has been increasing the money needed for escrow every year, but it turns out they never used the money to pay my tax bill for the last few years. In addition, the did not pay my homeowners insurance last year. I discovered this when I went to refinance with another company. I now owe, back taxes, homeowners and GreenTree Financial took all of my escrow money. I even overpay each month, yet they are requesting more money for me to buy out my loan. What happened to the money that went to escrow each year? Why did they tell me I had to pay more money for my escrow account, but they never used the money for my taxes or my homeowners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: 4M Collections, LLC
State: WA

Complaint narrative:
I received my paycheck today with a {$300.00} garnishment from 4M Collections, with the names Discovery Financial and XXXX XXXX attached to the order. I was NEVER contacted regarding this debt and have not had any debt for 10 years or more as I filed bankruptcy back when my children were in XXXX school. I do not have any collection agency remarks on my credit, nor have I received ANY phone calls NOR letters regarding ANY type of debt owed. I have tried MULTIPLE times to try and contact them today to get an answer to no avail. They have robbed me and are 100 % wrong in taking my hard earned money. I am a single woman who is barely making ends meet. I do NOT have the money for them to take. Also, the name that they have me listed is, and has NEVER been my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
1 ) I needed a private loan while attending XXXX University ( now closed ) in XX/XX/2002. The private loan amount was for {$10000.00} through XXXX XXXX, now known as NAVIENT. My loan amount has NEVER decreased at all, ever. It has increased or stayed the same for the past XXXX years. 
2 ) My payment initially was affordable at {$65.00} a month, and overnight doubled to {$130.00} a month. After explaining it was not affordable for me, they told me I had no other options. 
3 ) I have always made my monthly payments, but when I have called throughout the years to better understand why my balance never decreases or why I am never eligible for a lower payment, I am told every excuse there is. I have also experienced very rude customer service on many occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
im a XXXX yr old XXXX woman collecting an ssdi check of {$780.00} a month i have an equity loan w/ green tree morgaging company ive applied several times to get a loan modification to lower my inerest rate from 8.89 % with 5 % interest on my insurance my taxes includuded are costing {$490.00} a month i have a balance over {$21.00} i also have a first morgage from a private morgage costing {$170.00} a month totaling {$670.00} a month with a balance of {$16.00}. ive tried several times to get a loan modification from green tree w/ them telling me the paperworwork wasnt sent in in time and once i got that notice before i even got the application last time was last month and i just recieved a denial letter reason being i dont make enough money.my ex husband pays the rest of the household bills for me and his paychecks were submitted.i dont understand if i dont make enough money why wont they notify me they are owned by XXXX and XXXX gave me a lot of problems placing forced ins. on me when i was already paying my own ins i complained about this issue and they covered it up after ruining my credit making it impossible for me to get a refinance i have XXXX and XXXX issues and other bills and privatate matters i cant pay due to this rediculous amount of interest i had less than {$3.00} taken of my balance in 10 yrs.i cant afford this each month ive been borrowing money to pay this every month and the XXXX is becoming unbearable is thier anything i can do about this? i need over $ XXXXin home repairs due to falling during XXXX like burned countertop, cracked floortiles and other appliences glasstop stove crack and no working oven i had to have a XXXX and XXXX XXXX and need assisence geting in the shower because my tub is too high i cant even sell my house because it needs to be tented the eaves need to be pained and the outside needs to be painted and the screen room is all ripped, the toilet keeps overflowing and thered mildew in the kitchen sink and the bathtub.and i have to pay co-pays on all my medications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
During an inquiry about buying a home the potential lender informed me that my FICO scores were not high enough because Debt Recovery Solutions recently opened a new collection dated XX/XX/XXXX for XXXX. I have NEVER received a single notification of this debt so I called them and asked them what it was for. I was informed that it was for XXXX during the periods of XX/XX/XXXX to XX/XX/XXXX. I asked him how to get rid of it and she started screaming at me that the only way to get rid of it was to pay it or they would sue me. This is the second time they are reporting it with different dates to different bureaus. They reported it inaccurately to XXXX as originating in XX/XX/XXXX and last activity was in XX/XX/XXXX. For that account and the new one they have not allowed me to validate the debt to inform that that it is way past the Statute of Limitations and that I did not agree with XXXX 10 years ago. They have re-aged the account to make it look like it just happened in the last 3 months and it dropped my scores.

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 2015-07-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
VIOLATION OF TCPA WAS TOLD TO CEASE AND DESIST IN XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
This is my XXXX complaint with Ditech and XXXX. This situation has been ongoing since XXXX XXXX. I 'm doing everything I can to keep my home. Ditech foreclosed on me XXXX XXXX, XXXX and after filing my XXXX complaint with CFPB they rescinded the foreclosure in XXXX XXXX. At the current I 've been paying rent on my home. 
A new appraisal was done to get the true value. The new price is {$69000.00}. The foreclosure price was {$98000.00}, my underwater price was over {$100000.00} dollars. The agent has requested several times for a price I would have to pay to get my home back, but has yet to receive an answer. They will not let me or my son purchase it for the new appraisal price even though they are allowing someone else to do so. I just want a fair price so that I can keep my home. 
XXXX have stated in a letter that I have the option to purchase but have yet been given that option. If any help can be done by your company it will be deeply appreciated. 
Sincerely XXXX XXXX

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 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
About 13 months ago I filed a complaint with your organization related to Ditech Mortgage ( XXXX ). They promised to pay the homeowner association dues, it is on recorded messages, and they refused to turn over the takes. I was surprised that CFPD did not force them to turn over the takes because they lied. Because they did not pay the association dues I received a noticed from the sheriff office to leave the property ... forced to leave the property. I have repeatedly requested the recording to show that I was promised on several occasions by Ditech associate not to worry and they would take care of it. Today I am receiving letters from Ditech stating that the mortgage has not been paid in 18 months. I communicated to Ditech that the owner association has leased out the property, and they are not paying the mortgage. At this time Ditech has not resolved this issue, and the homeowner association is collecting money and not paying the mortgage. At this time I can not purchase a home because Ditech refuses to foreclose on the property and force the homeowner association to pay the back payments totaling approximately {$34000.00}. I believed that your organization was here to protect people like myself who does not have the resources to fight a big company like Ditech. Please help us now with this issue. Otherwise, Ditech will continue with this practice thus allowing the homeowner association to collect rent and not paying the mortgage. Please HELP! 
Regards XXXX

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