vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
XX/XX/XXXX, I obtained a mortgage through XXXX for {$250000.00}. This mortgage was subsequently sold to XXXX, which sold it to XXXX XXXX XXXX, which sold it to Green Tree Financial -- all within the space of 4 years. Some time after that, Green Tree Financial turned into Ditech Financial and sold the mortgage to itself. XX/XX/XXXX, I could no longer keep the property, notified XXXX XXXX XXXX ( which was still holding the mortgage at that time ) of this fact, after ascertaining that I could n't rent it out, nor was I permitted to get a tenant in to help financially. Before I left the house, I ensured that the rooms were freshly painted, septic tank emptied, fence painted, roof issues corrected, swamp cooler serviced, termite inspection carried out, vents cleaned, house cleaned, and landscaping maintained. My XXXX children and I moved out of state. Initially in trying to work with Green Tree, I was told I could try to sell the house through them. I took all necessary steps, did all the paperwork required and had it all vetted, only to be told at the last minute that the solution would n't work since I was an 'absentee landlord '. I found a realtor who dealt in 'short sells ', worked with him, with the knowledge of Green Tree Financial , to effect this solution. The realtor had a buyer for the property, was presenting the offer to Green Tree, then both he and I were notified that the property was being put up for Sheriff 's Sale. The Sheriff 's Sale was effected, Green Tree sold the property to itself for {$200000.00} then subsequently resold it to the new owner. Now Green Tree itself is calling itself Ditech, has written off the mortgage, hit my credit report several times, reported to the IRS that I had realized a 'so many thousands of dollars of income ' in a year, so that I incurred further attorney 's fees to fight this outright lie. None of the following : XXXX, XXXX, XXXX XXXX XXXX, Green Tree, nor Ditech have lost a single cent on these transactions, but I most definitely have lost a lot. I want them to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
There is a lien on title showing from Ditech. I have contacted numerous people at Ditech and have yet to come up with a resolution. The mortgage was refinanced and we faxed over the HUD that paid off Ditech almost 4 weeks ago and have yet to get anything resolved. I am in the process of refinancing my house and with this lien on title we can not move forward..

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 2016-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
We changed banks. We requested our auto payments be taken from our new account. This did not happen. We requested this on the phone and were told it would be taken care of 3 times. I then made the request again via costomer servicee portol so it was in writing. DITECH continued to refuse. As time progressed and I was told it was taken care of, payments were declined from the old bank. I was called, I set up new auto pay again beong told it was finally done. As you will see from our record we have spent HOURS over multiple days trying to get this resolved We are getting harassing phone calls and letters. Each time we go through it we are told OK now we see it will be taken care of -- -again it hasnt been We have over paid, paid for faxing and told we are refusing to pay.We are tired of these letters and calls and have told them to never call again- unless they call our bank XXXX XXXX They refuse to listen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
WE APPLIED FOR A LOAN MODIFICATION. DITECH RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED INFORMATION, WHICH WE ACTUALLY HAD SUBMITTED. WE RESUBMITTED FOR THE 2ND TIME, AND DITECH AGAIN RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED THE REQUIRED INFORMATION, WHICH WE HAD SUBMITTED TWICE. THE PAYMENTS, WHICH WERE NOT RECORDED CORRECTLY BY DITECH, WERE " LATE '' ACCORDING TO DITECH, AND THEY SAID AFFECTED OUR CREDIT RATING. HOWEVER, THE PAYMENTS WERE INCORRECTLY AND INTENTIONALLY INCORRECTLY APPLIED BY DITECH TO DEMOLISH OUR CREDIT RATING, SEIZE OUR PROPERTY, AND REFUSE TO GIVE US A LOAN MODIFICATION. WE HAVE NEVER, REPEAT NEVER, FAILED TO MAKE A LOAN PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007, EVEN WHEN THE PROPERTY WAS AND STILL IS DISMALLY UNDERWATER. WE HAVE FAITHFULLY CONTINUED TO MAKE HIGH INTEREST PAYMENTS FOR WHICH DITECH CONTINUOUSLY ATTEMPTS TO DERAIL OUR CREDIT, OWNERSHIP OF OUR PROPERTY, AND OUR GOOD STANDING. THIS COMPANY 'S PRACTICES APPEAR TO BE FRAUDULENT AND CONTINUE TO PLAGUE US, CAUSING A VERY SIGNIFICANT DEGREE OF EMOTIONAL DISTRESS AND FINANCIAL HARDSHIP BECAUSE DITECH ENGAGES IN WHAT APPEAR TO BE NEFARIOUS PRACTICES THAT SEEM TO BE NOT CONDUCTED IN GOOD FAITH IN AN APPARENT ATTEMPT TO TAKE OUR MONEY AND HOUSE ANY WAY THEY CAN. DITECH ALLEGES OUR PAYMENTS ARE OVER 30 DAYS LATE, BUT NEVER HAVE WE SUBMITTED A PAYMENT OVER 30 DAYS LATE. NEVER. THE TRUTH IS THAT DITECH INCORRECTLY RECORDED PAYMENTS AND REFUSES TO CORRECT THE RECORDS OR ACKNOWLEDGE THE PAYMENTS. WE HAVE NEVER MISSED A PAYMENT, AND WE ARE HONEST PEOPLE DEALING WITH AN APPARENTLY DISHONEST COMPANY. WE CONTINUE TO PAY NEARLY 7 % FOR OUR MORTGAGE AT GREAT HARDSHIP TO US, AND THIS IS INEXCUSABLE WHEN INTEREST RATES HAVE BEEN AT AN ALL TIME LOW. I AM SOON TO BE XXXX YEARS OLD AND HAVE BEEN AROUND A LONG TIME AND HAVE NEVER DEALT WITH SUCH A NEFARIOUS SITUATION. FURTHER, OURS IS A XXXX XXXX-GUARANTEED LOAN, WHICH FURTHER REMOVES ANY RISK FROM DITECH. THEY DO N'T WANT TO MODIFY OR REFINANCE MY LOAN BECAUSE THEY WANT TO CONTINUE TO CHARGE US NEARLY 7 % INTEREST AND THEY MAKE CONTINUOUS OVERTURES TO TAKE AWAY OUR HOUSE, EVEN THOUGH WE HAVE NEVER MISSED A HIGH INTEREST PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007. WE WITHSTOOD THE RECESSION WHEN EVERYONE ELSE ABANDONED THEIR PROPERTY. WE CAN NOT GET ANY RELIEF FROM THIS HORRIFYING SITUATION AND BELIEVE THAT DITECH SHOULD BE SHUT DOWN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Has not received proof that the debt mentioned is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: GMA Investments, LLC
State: CO

Complaint narrative:
They will not validate said they filed suit with court and Was very aggressive And I called the court and no suit Was filed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I disputed a home phone bill with the XXXX major credit bureaus and Debt Recovery Solutions, a collection agency for the original creditor. It was settled in my favor and deleted with the credit bureaus and Debt Recovery Solutions did not respond. After the credit bureaus deleted the debt from the last of my XXXX credit reports, Debt Recovery Solutions began to send NEW correspondence, as if it had not been disputed. They continue to threaten to report it even though it has been one year this XXXX 2015, since the first disputes to the credit reporting agencies. They say I am ignoring them, but I have already provided my dispute to the credit bureaus, now I feel like I am being harassed. I have read how they were sued and lost in court for harassing someone this year. Debt Recovery Solutions is XXXX XXXX XXXX XXXX, XXXX, New York, XXXX, phone XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: TN

Complaint narrative:
Frequent calls from establishment to my personal phone, family, old work phone, and numbers outside of what was given to them in the written paperwork. Also has made calls outside of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
From : XXXX To : Consumer Financial Protection Bureau Sent : XXXX XXXX, XXXX XXXX Subject : Dispute of results : Case # XXXX Thanks for your help : Case # XXXX Dispute of results. 

Having reviewed your report -- -I would like to dispute the report sent from Ditech . 
1 ) They fail to state the Mortgage balance I am anxious to know -- they can not surely state that they are using the XXXX value of {$290000.00}, as they have continued to state as the true balance every time I call to try to get another agency to refinance this loan. 
2 ) I have paid always paid my mortgage on time and must have accrued some enquiry since XXXX ( XXXX to XXXX ) I did file bankruptcy in XXXX XXXX -- here the rate plunges from 6.125 % to 4.250 %, causing this Mortgage balance to reduce. 
Then also the secured balance was $ {$260000.00} -- so it can not be above that sum. 
With the adjusted interest rate to 4.250 %, this balance should be {$240.00} or less as indicated from the print out they sent to me for Ditect after -- XXXX inquirer. 

3 ) So, I am disputing their report for further information : -- - What is the true Balance of this loan? 
-- - What is the % of the loan? 
-- - Why do they continue to tell me, and list the sum of {$290.00} as the balance of this loan? 
-- - I would like the true sum to be posted, so that when ever I call or whom ever checks on my behalf will have the accurate balance. 

XXXX Case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Green Tree has used extremely aggressive threatening and harassing collection tactics in its rapidly growing servicing business I, XXXX XXXX XXXX and XXXX XXXX my wife were especially vulnerable to Green Tree 's tactics because we were locked into a relationship with the company. So in order to remain in our homes, we, XXXX XXXX XXXX and XXXX XXXX, had to deal with the company abusiveness, threats and harassment for as long as it services our loans, regardless of how they treated us. Even now, our lives are plagued because of their actions of violating our consumer rights. Because of Green Tree 's routing system for handling incoming calls, consumers XXXX XXXX XXXX and XXXX XXXX, were routed to a collector instead of a customer service representative. We were told that our only option is to speak with collectors when we have questions or problems with our accounts. When we, as consumers reached Green Tree 's customer service representatives we were requested to schedule a payment before receiving assistance because we were behind on our mortgage payments. 
We, XXXX XXXX XXXX and XXXX XXXX Green Tree, were having difficulty paying our mortgages because of a devastating event, which accrued ; so we arranged for a short sale of our home but received no assistance from Green Tree and lost prospective buyers. As a mortgage servicer, Green Tree has the delegated authority from the investors who owned our loans to approve our short sale requests but refused and gave no reason why they would n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
We had an offer on our house and requested payoff from DiTech on XXXX XXXX, 2015. DiTech advised us that there would be a 5 day waiting period but it has been 11 days and every time we call they tell us the request is past due but being looked at. They will not tell us the problem only that there is something wrong on the back end. We have requested payoff in the past with no issues. Now the buyer ( who has cash ) is getting worried and is starting to want to back out. I do not want to lose this offer but we are at our wits end with the mortgage company. I have spoken with numerous supervisors but no one will give me a straight answer but do offer to call back. No Calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
In XXXX we fell behind in our mortgage payments which resulted in our house being foreclosed on. The foreclosure process began in XXXX of XXXX. We received a letter saying that we should be out of the house by XXXX XXXX, XXXX. We were out by that date. Sometime during the foreclosure process or after our mortgage was sold from XXXX to greentree mortgage. In XXXX of XXXX I had my credit pulled to see if I would qualify for a loan with another bank. They told me that they see the foreclosure of my house with XXXX, but they also saw another foreclosure from greentree that started in XXXX of XXXX. I have contacted greentree several times and I 'm always getting hung up on, or told to call XXXX to get information about what 's going on. Greentree claims that I owe them over {$19000.00} and that they have had the mortgage XXXX. On another call they say that they have had the mortgage since XXXX of XXXX. I can never get a straight answer from any of there employees or supervisors. They are rude and act like they have no clue about my account with them. I get switch back and forth from department to department with the same dead end results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: RI

Complaint narrative:
Green Tree changed the terms of my loan without ever contacting me or me agreeing to the change. I was paying my taxes separately from my mortgage for years. GT started to pay the city out of my payment without ever telling me. I went to the City to pay my taxes last XXXX 2015 and they said they were paid by my mortgage company. The problem I have now is because they took the taxes out of the money I paid towards my mortgage every month for 7 + months and reported me late on my credit report. I NEVER signed or agreed for them to pay my taxes. I have since gotten a modification ( took 3 + years of XXXX ) and they did finally lower my interest rate and I am now paying my insurance and taxes through them, but I never agreed to this before the modification. I want the late for 7 months taken off my credit report because it is not true. I was not late, they changed the terms of the loan without my consent or knowledge. Please respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
My medical bills are paid by XXXX, Ohio XXXX, or XXXX/XXXX XXXX XXXX XXXX. 

The Revenue Group with the XXXX XXXX, Ohio telephone number XXXX calls incessantly trying to collect a debt I do not owe : XXXX XXXX, XXXX XXXX, XXXX, Ohio is who the company claims to represent. 

When " XXXX '' from The Revenue Group called earlier this morning, I explained to her that she was trying to double collect on a previously paid bill. XXXX asked me for my birthdate which I refused to submit. I did tell XXXX I would report to the Federal Trade Commission they were trying to double collect on a bill that was already paid, In the past, Ohio XXXX gave me a letter to give to XXXX XXXX and to this same or a similar debt collector regarding the issue of trying to collect from me. In that instance, the debt collection agency ignored my telling them that XXXX paid my bills, and they ignored the letter from XXXX. 

Presently, the XXXX XXXX, Ohio telephone number uses another telephone number because I do not answer. Both numbers harass by ringing incessantly on my telephone line. 

Today, I again spoke with XXXX to ascertain further information. She would not comply because I refused to give her my birthdate and information concerning my social security number. XXXX said she would send mail out to my home. I do not want mail coming to my home from The Revenue Group. 

Please, I need your assistance in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Please refer to my original CFPB Case # XXXX, the calls have continued as of XXXX/XXXX/2015. I have had XXXX calls since this date. I have continued to make payments on time without fault, based on the arranged payoff agreement. All payments have been on time each month. Stop calling!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
The company in question ( DiTech, formally Green Tree ) not only calls and harasses me on my home phone ... but they call my cell phone, the corporate office for my place of employment and leaves harassing messages on the main voice mailbox, leaves messages on my personal line at work, has left more than a dozen messages on the business line for my brother in laws business, left messages at my mother in laws house, and my husbands uncle and cousins ' houses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ECMC GROUP, INC.
State: MI

Complaint narrative:
This is a correction to XXXX. A Student loan that I was not aware of was being garnished from my wages. I was never notified from the company or employer. I then had a medical issue which caused me to take time off work. I then had to file bankruptcy. I informed ECMC that I was looking in resolving the confusion and that they need to defer or put a forbearance on the remaining balance. They refused and continued with taking my tax refund and then when did return to work and still having the ombudsman involved in looking into the issue with ECMC, I was still being garnished. Even after bankruptcy filing. ECMC took almost {$20000.00}. They never communicated or contacted me. If they knew my employer then they should of sent certified mail there if they continue to say they mailed info out. They did not. Why would I default on a loan when I was paying my original student loan on time and it was set on autopay. They created a more of a financial hardship after the bankruptcy then before it. The amount of the loan and what was garnished are very close and what they said was my remainder balance was wrong. It should of been in a deferred or forbearance to reduce fees and interest.

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 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My mortage statement is wrong since XXXX and no correction has been made by ditech. The principal balance is higher ( XXXX ) compare to the remaining balance from XXXX XXXX XXXX and Green Tree which is about XXXX. Beside high principal at a 6.75000 % interest rate, escrow is added on top of the payments which always was included with the monthly payments and the year of the loan was also increase from 20 years to 40 years. I been sending XXXX but only XXXX is applied to it. The payment as increase now from XXXX ( XXXX to XXXX XXXX XXXX ) These are the same payments i have been making since I first brought the house in the XXXX 's. In XXXX, ditech submit loan modify papers to the amount principal now- but the papers was dated in XXXX XXXX I been paying XXXX since XXXX XXXX and although I been pay ahead of time, I was also charge late fees ( XXXX ) through Green Tree and in XXXX ditech which both company are now as XXXX since XXXX. If I continued to keeping paying them, I will not only have given them extra money but in ten years I will pay them over XXXX. It unfair.. please help!

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