vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ECMC GROUP, INC.
State: WA

Complaint narrative:
The current holder of my student loans is ECMC, who acquired it from XXXX XXXX XXXX. ECMC shows that I owe {$220000.00} on my account. When I look up my account history on the ECMC website, no payment activity is shown for the time period XX/XX/XXXX-XX/XX/XXXX. During those 5 years, I had paid nearly {$1500.00} every month to a Chapter XXXX trustee, most of which was disbursed to XXXX XXXX. In the past I 've asked for a detailed accounting from ECMC to show how the current debt was calculated but did n't get an adequate response. XXXX XXXX XXXX no longer has those records, I was told in a recent phone call. I would like to know for certain that the debt is accurate and valid, but ECMC is infamous for being difficult to work with. Please let me know what options I have. Thank you. By the way, I 'm XXXX years old, if that has any bearing.

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 2016-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Case number : XXXX Despite the resolution of this case and my efforts to resolve this matter, the account still being reported in with XXXX. 
XXXX claim that only the collector can delete the account. 
I have spoke with XXXX XXXX XXXX and have wasted my time. 

XXXX XXXX XXXX do not show respect for the law, nor for the resolution of this case and much less for the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Empire Resolutions Group
State: IN

Complaint narrative:
The company calling themsleves Empire Solutions Group is using a tatic hereby spoofing their nubmer to show as a local number from my area code. The message they leave sstates to call back to XXXX but shows as coming from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have received robo calls XXXX minutes apart multiple times with caller ID showing a different unlisted number every time. This happens every month. The caller wo n't give their name but wants money says they are working for Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Asked XXXX to defer XXXX payments, was told I needed to bring my account up to date before they would

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have Ditech auto pay since I had this loan. Habitually EVERY MONTH Ditech either does n't deduct the auto pay, skips a month which would result me being past due, or cancelled my auto pay and reinstated it the next month. I have to babysit my auto pay EVERY month because I have NO faith that Ditech will do this correctly. I have spoken to high level supervisors who tell me this wo n't happen again, and hence it did AGAIN. My payment is due XXXX XXXX, 2016 and they show a debit date which is XXXX/XXXX/16 which would make me not only 30 days late but jeopardize my pristine payment history and also the terms of my modification state I can not be late. I find this deceitful practice.

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 2016-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
My current Mortgage holder sent me an Escrow Analysis Statement in XXXX 2016. On the form, after review, I found countless errors in the statement. I called the Mortgage holder and they agreed there were errors, and they sent me a revised statement, that still contained errors. At this point, they refuse to do another analysis claiming that their numbers are correct. I spoke to a supervisor and she refused to honor my request for another look into the statement. Currently my mortgage contract states that 2 months of escrow may be held in reserve. The are asking for {$60.00} additional to supplement the " projected '' low balance, when in fact it is only about {$10.00}. The original statement they sent was asking for over {$400.00}, but I could not make any of their numbers match up. I suspect they are doing this to XXXX customers as well. I have a signed contract with these people and they are failing to abide by that contract or the fair credit lending 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 2016-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I experienced a foreclosure. The loan that I took out in XXXX foreclosed in XX/XX/XXXX. XXXX was the highest bidder and purchased the home for the price of {$200000.00}. The Deed of Trust that was foreclosed on was only for {$170000.00}. Fannie Mae actually made money on this transaction as the XXXX mortgage had been cancelled. There was no deficiency that they could come back and charge me for. A new homeowner has been living in the house and paying taxes since XX/XX/XXXX. I applied for VA loan for a new home recently and discovered that Ditech Mortgage is reporting on my credit report and to XXXX that I still owe them over {$160000.00} for the remaining balance of the loan. They have been paid in full and want to collect from me and are blocking the purchase of my new home. I have lost {$750.00} in due diligence money that I gave in good faith and {$370.00} for the inspection fee and {$500.00} for the appraisal. All because they have not removed a foreclosure from their books. I am a XXXX Veteran and this entire experience has been beyond discouraging. I feel confident that these types of practices is why the Consumer Financial Protection Bureau was set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Green Tree modified my XXXX FHA loan. My XXXX mortgage statement reflects an increase of my monthly payment {$140.00} of " Total Fees & Charges. Upon my inquire, Green Tree tells me these are " legal corporate advances ''. I told them nowhere on the permanent modified mortgage is their language to these fees. Green Tree tells me I have to pay them for the next few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Western Collection Bureau, Inc.
State: TX

Complaint narrative:
I do n't know who this company is but they have called me, my employer, former employers, and family members that I have n't spoken to in years as well as my ex husband. They claim that I owe for a payday loan of which I have repeatedly explained to them that I have never in my life taken out a payday loan. They refuse to mail anything showing me documentation. I went ahead and paid {$440.00} in XXXX after they promised to send me a letter showing that all claims against me were clear and I had a zero balance, hoping that the embarrassing calls would stop and now they have gotten worse. I have never received any letters or any documentation what so ever from these people. This company now claims that I have more debt that they refuse to disclose but I MUST pay immediately to avoid a warrant. I have never in my life done anything illegal and this company is scaring me as well as embarrassing me by calling everyone they can find that has ever had any type of contact with me. They refuse to provide an address for their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Green Tree left a message to get in touch with as soon as possible on my phone at my job. I did call them back although I was puzzled as to why they called me ... I sent my payment in on time. I called Greentree,,, the respresentative told me that their system was down ... I told them I sent my payment in because their system had been down they had not processed my payment and I needed to pay via XXXX ( XXXX ). I did pay via speedpay but I do n't think I should have since it was not my fault their system was down. I did my part and sent the payment on time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I am a veteran and trying to refinance my home into a VA mortgage. I am in the process and have hit a sang with my current lender Ditech. 
Ditech is adding some additional Corporate Advance of {$63000.00}. My mortgage was modified with Green Tree the previous servicer. I have attached documents showing the partial payment and the balance included in the bankruptcy. There should not be a corp. advance fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech ( formerly Greentree Servicing ) holds the second mortgage on my home. I have never missed a payment, nor been late on a payment in 8 years. Recently with the acquisition/merger, the ability to view the account ledger to show the activity and payment processing has been made available. In this balance sheet, it was noted that the payment was not being properly applied on the date of payment. The payment is still processed manually with a paper payment sheet, paid by check and sent by USPS first class mail monthly. The payment stub XXXX spaces for the customer to complete : Total Enclosed Dollar Amount, and Extra Amount to Principal. With each payment made, an additional amount toward the principal is always sent ( even though the mortgage is an interest only loan ). The appropriate amount ( overage ) is entered into the 'Extra Amount to Principal ' box with each payment, and is calculated by using the Total Payment Due subtracted from the total amount enclosed, where the payment amount due is the interest amount due for the monthly payment. Dating back to at least the XXXX quarter XX/XX/XXXX, the misappropriation of funds has been occurring resulting in turn having to expend considerable time each month calling the mortgage servicing company, to have the statements corrected. This was XXXX noticed though, only in XX/XX/XXXX, during that time the misappropriation of funds during XXXX quarters summed approximately {$2500.00} dollars above and beyond the required total payment due ( which all should have been applied properly to the Principal amount outstanding on the mortgage ). At times a delay of up to 72 days forward accrual can be seen on the accounting register ( meaning that a payment of principal in the amount of {$250.00} with a transaction date of XXXX will show an effective date of XXXX ). With an Actuarial type interest rate of 9.5 % the cost overrun which I am overcharged, just for this XXXX occurrence averages approximately {$3.00} per month, that the non-applied principal monies remain in flux. In essence, an over-payment in the amount of no less than {$27.00} has been made in the favor of the servicing company, which is unaccounted for funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have been working with Ditech on a Deed in Lieu of Foreclosure on my property and throughout the whole process the last XXXX7 weeks was under the impression that we were working on a XXXX application and that I would qualify for relocation assistance and now they are telling me in the final steps of the process that I never qualified for that process but wont tell me why. Now they are saying any relocation assistance offered to me was on their behalf and that the home was not left clean enough for them and they wo n't be giving me all of the money I was told I would get because they are going to be paying someone to clear the property. I feel completely misled and swindled by this company. No one cared to mention to me in the past 6 weeks that I did n't qualify for the XXXX program for whatever reason and now that they 've changed the locks on our house and had me sign all the paperwork they are telling me they wont give me the relocation money at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
I just went through a lengthy loss mitigation lawsuit with Green Tree Servicing. We each had attorneys and once the paperwork started moving, we came to an agreement. I made the XXXX XXXX payments as promised, beginning in XXXX of 2015. The next payments XXXX XXXX and XXXX XXXX were for the same amount. I have all payments sent automatically by my bank so there is no problem and there was none -- until I received the statement for XXXX. There are charges on there that were never mentioned in the agreement. One of them is in the amount {$2100.00}, which was supposed to be a forbearance in interest charges. That was outlined in our agreement. The other is for {$5.00}, which was never mentioned in the agreement and they tell me it is for attorneys fees totaling {$53.00}. They are going to charge XXXX payments of the {$5.00} for that, beginning with the XXXX payment. When I asked " XXXX '' why did I see the {$2100.00}, since that was a forbearance amount, he stated that it was for back interest and I would be charged for that later (? ). When I asked again, he said " I ca n't answer anymore questions, do you want the fax # to write your letter directly? '' What I am looking for is that my agreement be honored ( as I have made good faith payments as promised ) and that Green Tree does not add their bogus fees to my mortgage payments. It is not right and will not go away without intervention.

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 2015-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Here we go again. Obviously Greetree is not overly concerned about their scamming tactics. This is the third complaint with CFPB about Greentree Servicing who continue with inaccurate billing and charges. 
Attached is a copy from my bank listing payments for my mortgage. {$800.00} dollars a month. My mortgage is {$700.00} a month. I have requested repeatedly that any additional monies always be applied to my principle balance. Instead it is put in an " unapplied funds account ''. Not applying the additional money to the principal interferes the mortgage being paid down accurately. 
XXXX 2015 billing statement reflects XXXX due when only XXXX is was due. So calculations for remaining balance would not be accurate. When I called the company therepresentative, XXXX stated the XXXX 2015 payment was dislocated. And again the same thing happened XXXX 2015. My payments are made electronically. No excuse for saying it as dislocatedSecondly, when the billing statements come in the mail they do not reflect the true balance remaining. I have requested a payoff statement several times and have not had I response from the company I am so close to paying off the house. But with the tactics this company practice I no doubt I will have over paid monies to them. 
I want an accurate payoff statement mailed to me. And from this point on I want any and all additional payments to be applied to the principle balance. All future billing statements should accurately reflect what the remaining balance is. This is the second time that I have filed a complaint with CFPB that pointed out similar incidents.

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 2015-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Refianced our mrtg with XXXX in XXXX 2015, had free month of XXXX not pymnt due, made XX/XX/XXXX pymnt to XXXX. At the end of XXXX were contacted by Green Tree telling us that we owed them the mrtg pymnts, showed proof that payments were made to XXXX XXXX via bank statements. Was told to make pymnt to Green Tree instead which we did for XXXX, in mean time while investigating the payments for XX/XX/XXXX we were reported as being 60 days late in XXXX when all payments had been made on time. Our XXXX pymnt was applied to XXXX and XXXX pymnt was applied to XXXX, which they reported us at that point of being 60 days late for XXXX. On XXXX XXXX XXXX returned XXXX payment to us and we contacted Ditech immediately and made that paymnt back to them. We also made our XXXX pymnt to them which was completely cleared from our account on XXXX XXXX and was not applied until we contacted them on XXXX XXXX. Instead of applying the pymnt and post dating it back to XXXX XXXX they left it at the XXXX which then made us late and we were once again reported as being late. We once again contacted Ditech and after speaking with a lead agent named XXXX we were informed that our account was a mess for several reasons. First Ditech was buying out Green Tree which changed their computer systems and things were a mess because of it. Second we were informed that the mortgage company can not report your credit status for the first 60-90 days, especially when XXXX payment was under investigation. XXXX XXXX was not supposed to return XXXX payment to us, they were supposed to forward it to Ditech. XXXX Ditech held our XXXX payment for unnknown reasons and when we called to have it corrected the person who applied it should have corrected back the posting date to the XXXX. XXXX was very helpful with clarifying the notes to the dispute department and I was informed that the incorrect reportings to the credit departments would be corrected by XXXX XXXX and XXXX XXXX. We received a letter in the mail from Ditechs dispute center informing us that all of the reporting of being late were correct and would not be changed on our credit reports. This is a very troubling situation for both my husband and I and if we had known what bad service and business service XXXX was putting us in, we would never have refinanced with this company. We have made the first 4 months mortgage payments to XXXX different mortgage company 's and not one of them could get it right. PLEASE HELP US!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I submitted a loan application to Ditech Financial LLC, which is my current loan provider. I have a 30 year fixed rate loan at a 4.375 %. Based on my credit score, they informed me that I was eligible for a 30 year fixed rate loan at a 3.75 % interest rate ( APR 3.8 % ). I began the process of submitting all of the paperwork, and I was responsive within 24 hours to each of their requests. 

Even though my income has increased every year since the initial loan was made, they denied my loan application. After following up with my loan officer to explain that my income had increased every year, that I had provided all documentation substantiating that fact, and that I did not feel that the process was handled fairly, he wrote the following to me : If this is OK with you, I would like to take a new application and submit a completely new package to underwriting with all of the information completed and together. I believe we will have a greater chance of approval by doing this. The numbers look ok to me and I believe with a new package and a new underwriter looking at the file it will become approved. how does this sound to you? Please let me know if this is ok and I will rework everything and get you out the new paperwork today. I have been out for about a week so I am very behind and I am trying to get caught up. Not avoiding your call just on XXXX phone call then another. Please advise as I would like to do nothing more then to get your loan approved. 

When I inquired about the interest rate that I would be eligible for if I reapplied, and he stated that it would be a 4.5 % interest rate ( 4.79 APR ), which is higher than my current rate, and he falsely stated that this refinancing would save me money : That rate that we had on the old loan expired on XXXX, so we can not transfer that over to the new loan. Today 's current rate on a 30 year fixed rate is about 4.5 %, I would have to go in and make your new application to get the exact rate. But for an estimate a {$350000.00} loan with a 4.5 % interest rate ( 4.79APR ) makes the payment {$1800.00} which would save you {$21.00} per month. 

Given that this would be a new 30 year loan at a higher rate than I am currently under with the same provider, this information provided to me is false. I do not feel that the underwriting process was handled appropriately by Ditech Financial LLC and wish for the company to review my full income for a 30 year fixed rate refinancing at a 3.75 % interest rate ( APR 3.8 % ).

Company response to consumer: Closed with explanation