vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
Green Tree. There horrible. XXXX told me, its your parents house, your parents are dead. Get out. Mind you the home is mine. The deed is mine. My parents took our the loan for me. I have paid the loan for 20 years. I was awarded XXXX from the State of Oregon 5 years ago to catch my mortgage up. 

Green Tree. Refused the XXXX. They took my payment every month. You know what kind of things they say. SO we filed a 5 year chapter XXXX. We are still in it. We have a balloon payment coming up. They will not work with us. We will eventually after all we 've been through, lose our home My husband become XXXX 1 year and 3 months after we took out the loan. My daughter became XXXX to and we XXXX! Our life was made even more difficult because of the hateful and vindictive attitude of the employees there and the illegal and underhanded ethics of GT. We are now with Ditech. I cant wait .... Did I mention when I was late once, they said, you should n't have taken your dog to the vet. You should have let her die and buried it in the back yard. Who talks like that? And the insurance they force you to get. That dos'nt pay what they should if you have a claim. To many bad, horrible memories. And my Fathers XXXX XXXX. They would call him every morning at XXXX and kept it up for months. It took months and a lot, lot, lot of calls to get them to call me instead. Persistant, nagging, rude, I had XXXX, Their call have ruined my grand childrens childhood because of the financial XXXX they caused our family. And never would they give us a modification. I tried over and over and could not get one. They took my money but said, not your loan. They even gave me an extension on my parents loans after my folks passed. I was good enough for an extension AFTER I paid them a ton of money. Food money that I could n't spare. then I got the extension but they would not give us a modifation or except the XXXX dollars from the State of Oregon and refuse to ignore our plight with the XXXX balloon payment due 2 years after our bankruptcy. I will get no modification from them. I wonder if they get paid to reposess homes. Why else would they do this. I will not get a chance to keep the loan. I am doomed to move or perhaps become homeless. I am XXXX and I am tired ... Also, I sent them two XXXX dollar XXXX XXXX payments that they said they received. Both of them. And later said I only sent one. XXXX they would find it. Not to worry. I sent them both in. They said they did n't get the receipts or the second payment. It was all recorded on the phone. Put me further behind again. Also they accept the payments from me for the chapter XXXX but still will not give me a modification. I can not refi because it is a manufactured home. at a loss as what to do to stay in our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
After a re-fi, I received the new mortgage company information and set up a bi-weekly payment on my bank 's website. I always pay 1/2 payment and am always 1/2 month ahead of schedule. I get a phone call telling me I am late and they need a payment. I look at their payment history on my loan and they are all there- Including the first half of XX/XX/XXXX! they will not get back to me, they are still showing XX/XX/XXXX is unpaid and now 20 days late-

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Platinum Holdings Group, LLC
State: TN

Complaint narrative:
Worldwide Asset Recovery out of California called me on Monday at my place of work. This place of work being a school at which I teach. They then proceeded to tell me they were calling to collect a debt for XXXX XXXX. I have not even had an account with them since XX/XX/2009. The man stated that I would be sued and have attorney fees of over {$2200.00} if I did not make a deal with him. He gave me the number XXXX to call him back after I talked to my spouse. He had my social security number, but did not have my right address. He said that I lived in XXXX, which I never have. Most of the information he had could have been found on social media or my school website. I am concerned, and I do not want to pay him. I have been scammed before. When I looked up the company and the number, I came up with spam complaints, harrassments, and a number with no traces. The company did not even have a validated website. They are also not validated/supported by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Says medical services were rendered in XX/XX/XXXX, however they were rendered in XX/XX/XXXX. This debt is over 7 years old. I was in military XXXX at the time they claim service was rendered. They have XXXX reported as {$82.00} and also {$180.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I have had to hire a lawyer because from day 1 when Greentree took over my loan from XXXX, I have yet to get a straight answer on what was owed, how much was owed, when it was due, etc. 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 2015-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
They Ditech, took my principal payment of {$9900.00} and put it to escrow and interest. 
I talked to XXXX in XXXX before they got the payment and relayed the message that I wanted it to go to principal since I already made my XXXX payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
Late fees since XXXX XXXX to XXXX XXXX needs to be review with lender. We believe the late fees are incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I have now defaulted on a loan with World Finance Corporation. When I attempted to make a partial payment. The lender returned the partial check via mail refusing the partial payment. Now they are attempting to collect and contacting my leasing office as well as my employer to gather information on me. Both the document sent to my landlord and employer are falsified. The document that I completed at the time of receiving the loan were not the same documents that were submitted to my landlord and employer. The area in which you give authorization to collect such documents is from another document that I signed. Those documents were not amongst the original documents that I filled out. Therefore, I believe that they duplicated my signature in order to collect information about my address and employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: ID

Complaint narrative:
In XXXX I lost my home to foreclosure. There was a 1st and 2nd mortgage, both held by XXXX ( aka XXXX ). Both mortgages were recorded. 6 months after the foreclosure, I was contacted by XXXX as to how I was going to payoff the 2nd mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX for both the 1st and 2nd and filed them with my XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XXXX Green Tree contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as Ditech Financial, LLC reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from Ditech a XXXX Mortgage Discharge for this 2nd mortgage that was discharged in XXXX. I 've heard and read multiple places of this criminal activities by Green Tree which has been closed down by the Feds, and now is Ditech Financial doing exactly the same criminal things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Greentree increased my electronic payment by {$54.00}. When contacted, Greentree explained the increase was due to an appliance warranty purchased from XXXX. I was told to contact XXXX for refund. I contacted XXXX and they explained I had purchased this warranty and should use it. I demanded proof that I purchased the warranty and they have not presented it for several months and XXXX calls now. I never purchased a warranty and Greentree has denied my request for a refund and payment history allocation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Bad customer service. I tired to cancel my escrow based on the information they sent me, the problem is they have a irrelevant condition not to cancel my escrow. The only lender you can not talk with the escrow department to solve any problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MT

Complaint narrative:
i had a catostrophic insurance claim on my house on XXXX XXXX, 2014. I have had several phone conversations with my mortgage company about my insurance money. They never communicated with me on the requirements until I questioned them why they were not releasing my insurance funds to me. I have had the siding done on my house but not my roof yet. I have had several phone calls, emails and faxes to the greentree claims dept. They all tell me something different. The superviser told me to quit calling and they would settle the claim when they had time. Currently, they are sitting on {$15000.00} that i need to pay my contractor with. I have asked them to contact my insurance adjustor because clearly they are not listening to me and not able to read the adjustors report. I have sent them all the required documents and they still will not release my funds. How do I pay my contractor? I have sent in completion photos. I have sent in tax id numbers. They will not release my depreciated amount until an inspection is done. They will not do an inspection until i have all the work complete. Neither XXXX of my contractors will sign a lien waiver until they are paid in full. I cant afford to pay them without my insurance money. The mortgage company states that none of the funds can be released to me. If I end up paying the contractor they will not refund the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
we are recently submitted a claims to varies if we got a hamp. modification from XXXX XXXX XXXX. but we forget to mention our second complain about not modifying our home because we make too much money and our debt is too high. which do n't even make any sense because we are making less we loss our XXXX and was sick for the past three years. our bank statement and everything reflect us making less and transition from one job to the next. we feel that the bank just want to sell our home and do n't want to work out a solution for us. struggling family in hard times. we send several faxes and mailing document for the past three years but there is always something that was not done or receive. we are looking for a fair chance of modification of our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
My mortgage servicing was sold to Ditech. For the second year in a row they have asked me to provide proof of condo building insurance. It took my insurance agent several weeks to resolve this last year. Last year they bought a policy for me even though my insurance agent was in the process of trying to get this straightened out. Ditech still has not refunded {$35.00} from scamming me last year. And now they are doing this again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I paid off my mortgage with DiTech when I refinanced XXXX XXXX, 2016. I have not received an escrow reimbursement check and have gotten a different answer every single time I have called and talked to a representative or supervisor. The first check was mailed on XXXX XXXX, 2016. I was told after 10 days if not received they would reissue. The confirmed last week that they reissued. Now they are stating they did not and will not consider it again for 30 days and if it happens again we will keep waiting over and over 30 days each time since they do not track the check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I am victim of Mortgage Fraud perpetrated in 2007. I was approached in 2007 to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Innovis
State: AK

Complaint narrative:
I have been working on increasing my credit score for approx. a year. I have paid for each credit bureaus individual service to manage my credit score, along with XXXX XXXX. All three credit bureau 's are directly reporting my score as XXXX - XXXX. 

I have applied for a mortgage and some third party reporting agency is saying that my reported credit score is XXXX - XXXX. I would like to file a complaint so I know that the monies I 've been paying out to each credit bureau is n't a financial scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Credit Bureaus XXXX and XXXX are reporting wrongfully. This is detramental to my credit. The Account Status they both are reporting as activity date of XX/XX/XXXX is incorrect. The Activity date was XX/XX/XXXX when the foreclosure took place on my home in XXXX Calif. No activity happened after that. The correct Activity Date should reflect XX/XX/XXXX. 
I have Disputed this with them several times per phone and XXXX, to no avail. Ditech Financial LLC is reporting to them the wrong activity date.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
To whom it may concern, Within the last 3 years I have lost XXXX parents, suffered a XXXX and received XXXX XXXX XXXX. By GODs grace I have been in recovery and working again. About a month ago, my bank/servicer XXXX sold my loan to Greentree Servicing. I received no documentation. When I contacted Greentree, they told me to bring the note current because I do not qualify for any type of modification. I contacted MHA ( Making Home Affordable ) Help Hotline. I was told because I never received a modification, that I am eligible. We prepared all the documents and sent them to Greentree. They have refused to confirm my documents and have posted my home for Foreclosure on Tuesday, XX/XX/XXXX. I have recently received an inheritance from the sale of my parents home. I have also tried to request an accurate pay-off but Greentree keeps telling me that it is too late to do anything except to contact their Foreclosure Attorney. Please help me save my home. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
This is the second time ( 3rd if you count XXXX XXXX XXXX going into the transfer to Green Tree ) that I have submitted full modification application to either state it was lost or incomplete. The latest and one which generates this complaint comes from Ditech. On XXXX XXXX, XXXX, I received a certified mailing with a letter dated XXXX XXXX, XXXX. Ditech stated they would not be reviewing my application due to my failure to submit the itemized missign docs. This is absolutely untrue. On Juanuar XXXX, XXXX, XXXX Central time, Ditech was sent XXXX doc, a copy of my check stub ( which I sent with the initial package ), copies of my XXXX taxes, and a signed XXXX ( a document I also previously signed ). I have included a fax receipt, the fax took a total of 3:38 seconds to complete teh fax number is XXXX ( as noted on the fax ). I can also obtain independent phone log if Ditech wishes to have additional proof. I am so tired of the runaround from Ditech, it 's obvious they are wanting to foreclose. Ditech also stated, it is my responsibility to call XXXX, my assigned rep. I have advised on countless times, I am hearing impaired, offer alternatives, and seem to be the one making accommodations. Never once have I received any correspondence from XXXX, and I content Ditech is punishing me for having a XXXX. I sending Ditech proof that I submitted the docs, per there portals, and also sending an email, fax, and have uploaded the proof on their website, however previous uploaded docs have disappeared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
My mortgage servicing company recently changed to Ditech Financial. I have been attempting to reach them for nearly a week now concerning an urgent escrow question. I have been holding for a representative to answer for over one hour and one half each day for three days now. A total of four and one half hours. After each attempt I use their contact box to e mail a message to them. I get their generic " we received your message and a representative will be contacting you shortly '' e mail response but never get a call from one of their representatives. I do not seem to be able to communicate with this firm which is a serious and unnecessary problem.

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