vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
good morning all you hard-working folks, my wife and i had the typical foreclosure due to underwater bubble burst situation back in 2010, the lien holder XXXX went bankruptand you guys ( government ) took over the mess they left, anyway, this company name GREEN TREE servicing LLC, XXXX az XXXX tel # XXXXXXXXis on us day n night for the balance of XXXX +- a few bucks ; under account # XXXX, for our former home located at XXXX fl XXXXwe wrote to them that, we are cover under the forgivness program and they wont stop, we would love your help to make them REMOVE this negative from our XXXX credit reporting agencies reports and from GREEN TREE collection dept, BY-THE-WAY, they had remove it from XXXX XXXX XXXX credit report and after XXXX got on their case for not removing from her, they put it back on XXXX XXXX XXXX XXXX reportsthanks so so XXXX & XXXX XXXX XXXX XXXX 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 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
MY LOAN WAS TRANSFERRED TO GREEN TREE IN XXXX XXXX FROM XXXX. XXXX XXXX I received a paper from them showing these fee 's that they added on and when I called them they could not explain it. I know I was n't behind on my escrow and my taxes went down as well. That 's the month when it started. I told them I was waiting to hear about my modification from XXXX and they said that I have to apply for a new XXXX with them. So I did and they denied me. I tried again and once again they denied me and said even though my house is worth XXXX the appraised amount they the house is worth is XXXX. 
When I applied for the modification again for the second time. they denied me. in XXXX XXXX. So I wrote a letter to appeal it and I did n't get anything back from them this time. So I called in XXXX and ask them what should I do next. First they said that they did n't get my appeal. And then they put me on hold and said OH YEAH WE FOUND IT. And they will be sending me out the paper work so I can reapply for the modification. While I 'm reapplying for that I get a letter in the mail from downtown. Saying they filed a foreclosure on my house. Which I did n't understand if we appealed it last year in XXXX. and they must have lost my paperwork. So between XXXX starting this an sending it over to green tree. Which Green tree is not helping not one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Ditech took over my mortgage, and last month along with my house payment I also had a bill for an escrow shortage. I mailed a separate check for the escrow shortage, with escrow shortage written on the bottom, per their nasty customer service persons instructions. They applied it to my principal and REFUSE to allocate it where it belongs and send me a new bill for my house payment with the correct adjusted amount. I 'm tired of writing, calling and complaining. This just is n't right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: MD

Complaint narrative:
For the second time, I mailed my payment to Central Mortgage Company on XXXX XXXX, 2015 ( the check is dated XXXX XXXX because I wrote it the night before ). I just received a letter dated XXXX XXXX stating they had not received my payment. The check was cashed on XXXX XXXX. If Central Mortgage Company does not receive the payment by the XXXX of the month, they charge a late fee of {$40.00}. Usually I mail my payment the first week of the month to ensure at least 9-10 days for the payment to arrive to Central Mortgage Company. Oddly enough, they charge you a {$5.00} fee to make an online payment, so I always mail my payment rather than pay the fee. I have a hard time believing that the postal service was unable to deliver my payment within 9 days, and it appears that many other consumers online have had the same problem. I fear they are holding my payment for days and claiming it is late so they can charge me the late fee or bully me into paying the online fee. The first time this happened last year, I called and they would not budge, even though I mailed my payment 10 days before it was due. If this continues, I am considering refinancing so I can switch companies or sending all payments via certified mail to prove that they are receiving my payments with plenty of time to process. Sadly, it is cheaper to send a payment through certified mail than it is to pay online, albeit less convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX 
ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
my mortgage went into mediation ( foeclosure ) through the court and was deemed to give a loan modification. The bank, Ditech, still has not given me one. It was due XXXX XXXX. that was pushed to XXXX XXXX, and here is, XXXX XXXX, still no loan modification. Ditech still blows up my phone, but what, wont contact my lawyer? I do n't respond to these phone calls. Ditech also tried bypassing my lawyer by sending me a false loan modification without my lawyer viewing it first. Plus back escrow $ $ are still incorrect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I have disputed these accounts and I have not received any evidence of any transfers from the entity recorded as lender on the Notes of which Ditech has been trying to collect on, instead the have sent me as validation copies of unendorsed Notes as validation. I have received a copy of an affidavit stating that Ditech has purchased one of the Notes and yet this was not recorded into the county records. Ditech has reported false and misleading information to the XXXX CRA 's including but not limited to double reporting the debt under 2 account # 's for each Note one current and one late for the same amount. XXXX has denied them the right to report due to not being able to produce proper documentation on one of the accounts.The CRA 's have reported different information on my reports monthly and have refused to send me a copy of my files submitted to them to validate any debt. XXXX stopped reporting for six months due to lack of proof but now has determined to start reporting again although they show no information as to the payment history. I have retained an attorney to handle these problems and repeatedly stated that Ditech contact him in these matters but to date they have not attempted contact him but instead have continued collections.

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 2016-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
SECOND COMPLAINT Ditech has me multiple notices requesting proof of hazard insurance on my condo. I mailed them a copy of the policy more than a month ago, then received a second request weeks later. When I contacted Ditech by phone, they stated that they had n't received the copy that I mailed. When I asked if I could send a PDF of the policy via email to ensure receipt, their representative stated that they do n't have email. I sent the policy a second time via fax, for which I received a confirmation. 

Yesterday, I received a second and final notice that they had either not received a copy of my policy or that the policy had expired. 

I 've carried mortgages for multiple properties, single and multifamily, and never had to provide proof of hazard insurance more than once to any lender or servicer. Putting this burden on the customer every year and forcing a hazard policy if the customer fails to provide proof seems underhanded and fishy. Ditech surely receives some margin or commission on the sale of these forced policies. 

I believe Ditech is making this requirement intentionally difficult and profiting from their customers ' fatigue -- with the process, the refusal to accept email, and the torrent of " important '' promotional mail we receive from Ditech which we have to open every time lest Ditech charge us for a redundant insurance policy. It might be legal, but it 's slimy and it 's bad for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
They had said I had insurance billed my old insurance XXXX because they said I had called into XXXX and told them I had XXXX witch I did n't have and they billed anyways well come to find out they said they offered me XXXX and they did n't even offer me it I am willing to seek legal help if this does n't help like I told them if I did n't have insurance I would of never gotten this procedure done and they think I am lieing about this situation and I am not I will get legal help because I am not in the wrong please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I graduated this past XXXX, officially in XXXX, prior to that my Navient account was being forbeared by paying {$150.00} which was supposed to go to all my loans. However, the loans originally written through XXXX XXXX were special XXXX XXXX loans where the parent was the parent borrower and their income/credit was the basis of obtaining the loan. The student was listed as the student but still responsible for the loans. There are a total of XXXX smaller loans with Navient, however, when I was paying the good faith payment to protect the credit reporting, they did not cover all the loans because they were not brought over from XXXX XXXX with my name being attached to them all. Apparently this loan type is no longer offered because of its complex nature of not proving the student was in school. Now I have graduated and have attempted to consolidate these loans, but constant negative reporting while in school ( the grace period ran out because I took more years to graduate ) makes it difficult to be eligible for anything. Additionally, between my parent and myself, never got information on all the loans over the phone because of the way they separated in the system. So some representatives gave incorrect information because they did not look in all places. 

Although there were special programs available, I was not told about those until after my account got extremely delinquent. Now I am enrolled in a interest rate reducing program which is helpful, however, Navient still reports the loans at delinquent, and a letter for setting up the program states they will continue to do so until the qualifying payments are made. You have to make XXXX automatic payments in XXXX consecutive months in order to fully gain entry into the program. My issue is that I started with a credit score in the high XXXX, in 4 months of successfully paying off credit debt, paying student loans, due to being gainfully employed, I was nearing a credit score in the high XXXX, and easily would be in XXXX range by next year. Now in XXXX month, it has dropped XXXX points. And will continue to drop at such a large rate, that despite being on time with my agreement and payments across the board, I will be penalized for this. In addition, despite being in the program, you still receive calls upwards of 3 times a day. No one there seems to share information which would be helpful to those who are attempting to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
We recently sent Di-Tech Mortgage company over XXXX dollars.They are coming by our house and constantly harassing us.They have even stooped so low to tel the young gentlemen that cuts our grass that we owe them money.We pay every month and they constantly state that we are late. 
what do I need to do to bring charges against this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I have been dealing with Ditech mortgage company for 3 months. My house flooded and my flood insurance handled their report in a timely manner. Ever conversation I have had with a person from Ditech gives me a different story on how my I can get my funds in order to repair my house. It got to the point that I have used my own money, out of pocket, to repair my home. An adjuster was sent out to my house on XX/XX/2016 and emailed to Ditech confirming that my house is 100 % complete. I faxed in the final information they needed ( XXXX form ) 3 days ago. They have received this fax but tell me it will take them another 7-10 business days ( which has turned into 15 or more days in each past experience ) to overnight my check, which I am paying for them to do. I have never dealt with more incompetent, rude, and nonproductive people in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focused Recovery Solutions, Inc.
State: WV

Complaint narrative:
putting on collection a my credit report that 's not mine Talked to them on XX/XX/2016 say that they could n't find me in their files, I told them that they did n't have trouble finding me put on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis
State: FL

Complaint narrative:
I have been a consumer of XXXX XXXX credit card for years. I called Innovis Consumer as well as filed a dispute with them regarding falsely reporting that my XXXX XXXX account is closed/charged off. They claimed, as of XX/XX/2017, that they reinvestigated it and status did not change. I called XXXX XXXX and complained about them reporting my credit card as charged off. XXXX XXXX assured me that they did NOT report that my card is closed or charged off nor is it deliquent. XXXX XXXX also sent a letter stating the same thing-account IS and ALWAYS has been, in good standing. Innovis did not and can not provide me with the name, phone number and address of the PERSON, not computer, that told them the account is charged off as of XX/XX/2017 for {$690.00}. My card continues to be active and in good standing. Innovis 's failure to accurately report to all major credit bureaus has caused XXXX, stress and financial hardship. Denied credit increases and cell phone purchase due to the recent error it reported. Calling and sending letters to Innovis has fell on deaf ears. XXXX XXXX continues to advise that the credit reports are wrong ... but I am stuck in the middle. Innovis Consumer has caused harm to me financially, with their failure to really pick up the phone and verify information. Clearly there is a computer glitch that no one has the time to correct, at my expense!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX and Green Tree Servicing LLC have not been applying my mortgage payment to my loan for the last XXXX months. As of XX/XX/XXXX. They are also saying I 'm XXXX months behind on my loan. They are also adding another month to my mortgage balance. This is a total of XXXX months they are not giving me credit for. My mortgage balance should be less than XXXX dollars. Yet they are saying my mortgage is over XXXX XXXX dollars. I made the same compliant to XXXX and Green Tree servicing LLC in XX/XX/XXXX, that they had added six months to the back of my loan. They are still doing the same thing in a different way. XXXX and Green Tree Servicing LLC are also adding illegal late charges to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
I was sent a preapproved offer from XXXX. I applied the very day that I got the offer, and my application was denied for credit reasons. 

If I was preapproved, how can they deny me because of something in my credit report? Their approval was supposedly based on my credit report. 

Text from the denial below : Re : Your loan applicationThank you for checking your rate for a Best Egg ( R ) loan. We regret that we are unable to approve your application at this time, for the following reason ( s ) : Insufficient credit lines established on open revolving accountsLack of revolving account historyToo many inquiries in the last 12 monthsInsufficient available credit on all open revolving accounts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
3 1/2 years ago I move to XXXX from XXXX XXXX XXXX. I was trying to sell the house in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on a short sale. My realtor and the broker were working with the mortgage company ( Green Tree Financial ) to try to sell the house. Several buyers were rejected by the mortgage company until two years ago in XXXX 2014 when I received a court order for what appears to be a foreclosure notice. In the court order it names XXXX, DBA XXXX as the note holder. After that I started receiving monthly bills for the mortgage from another company named DITEQ. At this point I do n't know if the foreclosure still ongoing. I have no idea who is handling the foreclosure notice ( either Green Tree financial or DITEQ ). Bottom line I need the foreclosure to be completed and stop this suspense that is causing nothing but health problems for 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 2016-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
We are more than a month ahead on our mortgage payments. Ditech failed to properly apply our payments and charged us late payment fees. After speaking with a representative, Ditech acknowledged their error and promised to fix it. Today we have received collections notices from ditech. My high credit rating is valuable and should not be abused by a lender that fails to perform basic administrative functions correctly.

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 2016-07-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
XXXX at email ... XXXXXXXXXXXX ... Green Tree/Ditech is withholding insurance proceeds for a completed project.

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