vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Greentree offered to refinance my existing mortgage. I agreed and we refinanced. Come to find out that the Mortgage company used the entire tax map # of XXXX acreas instead of the XXXX acreas and the house that was on the mortgage they were replacing. I notified them numberous times and they finally requested in writing on the XXXX of XXXX. I faxed all documents over and was told I would have a response in 30 days. I have called since and all they can tell me is that they have handed it over to outside council and can not give me a time frame for the release. I have part of this property sold and can not close because they will not forward the release or the affidavit for correction as stated. This has now been 75 days and there only response is its out of our hands.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: World Acceptance Corporation
State: TN

Complaint narrative:
over a week ago I had sent a letter to XXXX XXXX at XXXX XXXX XXXX, XXXX, TN requesting that contact to me be made by mail only. I specified no contacting my family friends etc. On 1. ) XXXX/XXXX/15 a representative from world finance came to my home, gave my husband a confidential envelope but still 2. ) discussed my loan with him! 3. ) They also continue to call me every day sometimes XXXX a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
They are sending harassing phone calls practically daily and do not leave a message. I have on idea who they are or what they want.

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 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My personal financial information was stolen from the servers of Greentree Servicing. We received a letter in XXXX regarding the theft from Greentree and an offer for free credit montering from XXXX with their ProtectMyID program. The program requires an activation code that is on the Greentree letter. Unfortunately we misplaced the letter. XXXX requires the code and Greentree is the only one who has the code. I have spoken to Greentree XXXX or XXXX times and each time a customer service agent or suppervisor tells me they will mail a new letter or call me back with the code. All lies. No new letter or phone call. Greentree is now XXXX. I would appreciate some help in getting a new letter or code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Hello, my mortgage payment consist of XXXX elements principal and interest taxes and insurance. 
My lender charges me nearly {$3000.00} per year and pays out to my insurance co. {$850.00} per year for the same coverage. They have no explanation for the overcharges. 15 month ago And after dozens of phone calls and emails with answers to a solution, I notified my lender and insurance co. Of the problems I am having with my lender and instructed them to return to the lender the {$850.00} on my behalf and accept the {$850.00} directly from me which saved me over 2 thousand dollars every year. I also notified my lender in righting that because of the overcharges I would like to pay my own escrow saving me thousands per year. So for the last year I have been paying my own taxes and insurance and sending my lending Green Tree principal and interest. Of course this upset my lender and they are now refusing my P+I payment and sent me a letter of there intent to foreclosure on me. I am a single parent and ca n't afford to be overcharge, my lender required me to make these overcharged payment for 3month while they investigate which I did only for them to tell me that they do n't understand why the overcharge still appear after the escrow analyst. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
My local bank sold both our primary house mortgage and our investment refinance to Ditech. Since then, Ditech has continuously misallocated our payments, added extra money on to our principal amount, and failed to correctly record payments. We have been enduring this nightmare since XXXX 2016 and it has gotten way worse since Ditech changed its payment system. Now there are continuous errors. We just looked at our principal balance and they have just added over a XXXX dollars to the principal in spite of our regular timely payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
This company keeps sending statements and request for payment to an address that I have never lived at nor do I have an business with. They are doing this in spite of notification and a formal complaint in 2015. This causes embarrassment and makes my personal information available to any person that gets the mail at this address. Ditech has been notified and the consumer credit reporting agencies have been notified in writing that this address is a public building and has no association with me nor should my private information be sent to the address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
ECMC and/or PCR have been calling friends and acquaintances seeking information about me. Yesterday, they called a former girlfriend of my brother 's seeking information about me. This is an invasion of my privacy and is harassment, especially when they have my current address and know that I am retired.

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 2016-07-19 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: CA

Complaint narrative:
this is not dulpicte complint For the second tine the debt recovery solution lilac is reporting account number on all credit report that is not mine. My first complaint Reff to CFPB case numbers XXXX. See all documents on file.

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 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech Financial LLC who is my mortgage lender was mistakenly paying property taxes to a different parcel number or property with my escrow account for the year of XX/XX/XXXX, this led to having delinquent taxes on my property, placing my property under tax lien. Because property taxes were n't getting to my property, it also caused an escrow shortage on my account. although the delinquent taxes has been settled recently after going back and forth with Ditech for couple of months and dealing with bad customer service, the escrow shortage is still in effect which made my new monthly payment increased tremendously. 

The delinquent taxes has been settled last XX/XX/XXXX, on that same day I did a follow up call to make sure that they will run a new escrow analysis on my account so that my new monthly payment will be re-adjusted. 

I did another follow up call last XX/XX/XXXX a month after the settlement to ask why my new monthly payment still indicates a higher amount and was not re-adjusted. I learned that no escrow analysis was initiated after the settlement. 

Now Ditech is requiring me to pay the new monthly payment which is very high compared to my current monthly payment, the Ditech representative noted that they can not rebalance my new monthly payment until they receive the tax refund. 

This has caused me a lot of stress and loss of time dealing with Ditech back and forth in an ERROR that was not even from my part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I was refinancing with XXXX and the loan company I have Ditech has incorrectly filed to XXXX XXXX that I was late on 3 payments. I have my bank statements showing that I am not late and I was charged for my XXXX 2015 twice when I paid XXXX the prior mortgage company XX/XX/XXXX but Ditech states that I did n't although they see I made the payments they are saying to pay XX/XX/XXXX. I have a print out from XXXX that I do not owe XX/XX/XXXX. So because I made additional mortgage payments I should n't be late and they either owe me money or change the payments to show I am a month in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
We had flood insurance placed on my property in 2013. Unfortunately this coincided with a job loss that was the main source of income, so we had to save money in order to have a new survey. That was done and submitted ... and then we needed an elevation certificate. That was done and submitted. Then we were told that we had to submit paperwork to XXXX for a XXXX. That was done. With the lowering of our income, this took some time. We were assured that the premiums would be returned in full once we had the XXXX. We never missed a payment, even though the " escrow shortage '' grew and grew, with the added monthly flood insurance premium, the shortage that was created by the initial premium, and the " cushion '' ( XXXX of the total, or there about ). Finally, all the paperwork has been submitted, we are no longer required to have flood insurance ... and we ca n't get our money refunded. The company ( according to their automated phone system and our account profile on their website ) made a " payment '' on our loan in the amount of the first year 's premium. Except not really. I was told it was n't a " payment payment ''. I was told this after 20 minutes of listening to " XXXX '' sigh and click and mutter while he tried to figure out what happened..and then was completely rude. My monthly escrow still reflects the flood insurance. My payment is still more than {$100.00} over what it should be, but that " should be corrected in XXXX ''. I understand that many other customers went through worse scenerios, even into foreclosure ... but this company is making so much money with these smaller situations : excess cushions, " shortages '' that they ca n't even explain, delays in escrow adjustments. All that money they collect just disappears. They could n't even explain their own escrow analysis. I was a loan closer in the XXXX 's, before everything went crazy, and we were required to document every penny in and out of escrow. The regulations have to be stricter now, do n't they? How can this company still be allowed to buy loans? Because I was not a willing customer Their client base is given to them, without our ability to vet them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AP

Complaint narrative:
From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we don not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 

At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and active duty member is serving his country overseas and I have to tell him this disappointing news.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I have had a mortgage with greentree for 20 years, and it 's been a nightmare with threats to come to my home move me out if I did n't get my payment in and will sue me, next thing i know I had thousands of dollars added to my mortage. Threats at my boys : they Told my boys " they are losing there home need find place to move, contacted my mom asking her to come up w/money or ill lose my home /contacted my X - mother law hitting her up for money. Now I been trying for loan mofication for a year greentree would deny mofication because they did n't reviewed required documents. I sent in what I was suppose to over and over again. I have contacted my state attorney general 3 times they are NO help!!! 
Greentree sold my home behind my back when they said I was finally approved for deferral, next thing I get was a letter telling me to vacate home. I have my son and grandson ( XXXX ) living with me I have been verbally abused threaten and put under extreme pressure ( XXXX, missing work XXXX ) from years of abuse from greentree.I have worked all my life, I had XXXX good jobs, but with 20 years of declining work force ( which I did n't create ) I fall behind on mortage. Greentree lie and deceived me and should be shut down. Now I have to scrap up money to get a lawyer to help me stop the sheriff serving me papers to vacate. Greentree has billed me XXXX for attorney fees court ect. I was only XXXX behind when I started mofication, now I owe them XXXX to stay in home. Can you please help? I have all documents from start to finish. 
Thank you 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 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I am set-up with Ditech with their automatic biweekly payment option offered through their website, and all payments are current, have been timely made in total monthly amounts that exceed my static mortgage payment obligation that does not change as I do not impound and have a fixed interest rate. I can provide documentation upon request of my recent statements and payment history. Despite their own payment history showing me as current, Ditech has issued me a billing statement on XXXX/XXXX/2016 indicating erroneous past due amount and a {$83.00} charge for " late fee. '' When I called their customer service number, at XXXX and spoke with representative " XXXX '' in South Dakota, I was told that many people are having this problem as a result of a new computer billing software Ditech just started using that is not properly accounting for payments and is charging late fees even though payments are current. She confirmed that my account is current and has not ever been delinquent and that she would remove the erroneous late fee. Although I was informed they would rectify their error today by crediting the erroneous late charge, I was told that this may continue to happen again next month, but just to call back again next if/when their computer software charges an erroneous late charge, if I want to be credited for future erroneous late charges as a result of their flawed new computer software. I inquired as to what Ditech intends to do about erroneous late charges billed to other customers due to their " new software issue '' that do not complain / call to request credits and was led to believe that Ditech did not have any plans to take any pro-active action to rectify the situation and properly credit accounts that are current. Nor, was any time frame provided as to when their new computer software issue would be fixed so as to not charge erroneous late fees. I was not satisfied with this response, or the lack of operational control concerning non-functioning new billing/payment software. Furthermore, the representative asserted to me that this was " not Ditech 's fault '' that their new payment/billing software program does not function properly, which I found quite preposterous and unacceptable in light of Ditech 's responsibilities as servicer of the mortgage. I am respectfully requesting the CFPB investigate these troubling issues concerning Ditech 's business practices concerning erroneous late fees being billed to non-late borrowers and not being pro-actively reversed as a result of their " new billing software '' issues. Thank you in advance for your time and service.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing this to you to file a formal complaint about one of Pentagon Federal Credit Union 's Loan Officers, XXXX XXXX, XXXX XXXX XXXX. I filed a previous complaint, XXXX in which none of my issues were addressed because it was thought that I am a third party. I am in the process of selling my house. The prospective buyer was using XXXX XXXX to purchase my property. XXXX XXXX improperly issued a loan pre-qualification for loan # XXXX on XXXX/XXXX/15 with out asking the proper questions on the XXXX. He allowed this process to go for over two weeks before turning down the borrower. XXXX XXXX could have easily prevented this entire disaster by asking what number appeared on line XXXX and line XXXX of her XXXX tax return. This should have taken no more than 5 minutes to clarify the borrower 's income situation. Instead of XXXX XXXX acting in a professional manner, he allowed this loan to proceed for over two weeks. Due to XXXX XXXX 's incorrect pre-qualification, the loan that we used to accept the contract was un-able to be approved. This in turn caused me to not be able to settle on my new house. The delays of relisting my condo, losing my 60 day lock and and the cost adjustment I had to make on my purchase will cost me over {$9000.00}. By accepting Pen Fed 's letter and contract offer we turned away other potential buyers and now have to start the process all over. As a member of Pen Fed I find it very troubling that Pen Fed allows Mortgage Loan Officers to act with such disregard for the general public. His action are very troubling, as is Pen Fed 's policy to allow Mortgage Loan Officers to issue pre-qualification letters when they can not follow them up with approved loans. His mistakes have ruined my home purchase process, costs me thousands of dollars and destroyed my belief in our lending laws. I look forward to your response in this matter. I would like Pen Fed to answer the following questions : What is required from a borrower to issue a pre-qualification letter? 
Will you provide your guidelines for issuing a pre-qualification letter, a pre-approval letter and a commitment letter? 
Do you ask what numbers appear on line XXXX and line XXXX of the borrower 's XXXX during the application process? 
Did Pen Fed review the phone call to determine if the Mortgage Loan Officer asked the proper questions prior to issuing a pre-qualification letter? 
Did the Mortgage Loan Officer 's documentation in the loan file match what was on the recorded phone call? 
When Pen Fed improperly issues pre-qualification letters, are they responsible for the damage they cause as a result of those letters? 
Is it Pen Fed 's policy to turn over loan applications with false statements to the proper authorities to determine if a crime has been committed? 
If so, was that done in this case?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
Long story, short ; I originally took out loan from XXXX XXXX XXXX. Secured by auto title. Original loan for around $ XXXX. Made ALL payments on-time. With around $ XXXX left on loan balance received a letter from Green Tree Servicing that they now owned loan. Agreed to continue payments as long as they sent proof they actually had loan. Could not contact anyone from XXXX XXXX XXXX to verify. Made a few more payments but never received any proof of loan by Green Tree. Stop payments. They started harassment campaign. I sent Cease & Desist notification. The reported my loan as " charged off '' and farmed off loan to XXXX XXXX XXXX and they immediately sent proof of loan and paid {$950.00} to resolve matter and they reported as paid in full to all credit reporting service. And sent me back car title. Green Tree still reports loan as a " charge off '' and has reeled havoc on my credit report. Can not close kids college loans because of it. Hired a lawyer to try and resolve with no luck. All of this over a very small amount of money. Craziest thing I have ever dealt with. Even sent them letter I 'd pay whatever they want to just make it go away. They said NO! I 'm 100 % in right from start to finish on this.

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