vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Ditech Financial LLC is servicing my mortgage. since XX/XX/2016, my monthly mortgage payment has not been properly issued by Ditech. due to this abnormal action by Ditech, my mortage was past due XXXX times already. I had to call their customer service to ask for correction. despite their promise, the issue has not been resolved. XXXX today ( XXXX/XXXX/2016 ), I just have received a call from a Collection agency, accusing me my mortgage is past due! It 's impossible since I paid full amount ( see the attached payment record from XXXX XXXX XXXX ). I asked the person from the collection agency to transfer the call to Ditech customer service. Ditech customer service person first accused me my mortgage is past due, then, I educated the person to see my payment history. It was totally messed up. please see the below my recent payment history ( also attached ). note that this is not the true payment history of mine and that the Ditech has already modified it. Although the Ditech customer service person said they will be going to review/correct this and update me about it, I am not convinced of it since they already failed the same issue three times in the past three month of billing cycles! 

Date Description Amount Current Principal Balance XX/XX/2016 Reallocation {$810.00} {$100000.00} XX/XX/2016 Payments {$1700.00} {$100000.00} XX/XX/2016 Payments {$0.00} {$100000.00} XX/XX/2016 Payments {$83.00} {$100000.00} XX/XX/2016 Payments {$1600.00} {$100000.00} XX/XX/2016 Payments {$780.00} {$100000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Ditech will not provide original documents or loan modification documents even though I 've asked for them. The loan has been paid off ( overpaid ). The account was current in XXXX 2016 when I requested this information. 
While researching Ditech notified me that they were ceasing collection activity and did not send me a billing statement for XXXX. They deferred the XXXX and XXXX payments ; however, in the XXXX billing statement, they indicated that I was 2 months past due.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Greentree XXXX Ditech XXXX representatives call me repeatedly if I am late making even a partial payment. In the past, representatives have harassed and threatened my alternate contacts including my elderly father. My XXXX payment was due on XXXX XXXX, 2015. Because I had made additioanl payments before, only a partial payment was due on the XXXX. A Ditech representative called me on XXXX XXXX. I spoke with her and told her I would include the past due amount with my XXXX payment. Several days later, I had a missed call from Ditech. Yesterday, a different representative called me about the XXXX payment. I told her that I had already spoken with someone about it. She said, " I see where she called you on the XXXX, but I do n't know why. You are my account. '' I politely repeated what I had told the previous caller, but I was in the car so I could not confirm the date of the payment. She asked, " Well do you mind if I call you back later to get a confirmation number? '' I said, " No, that will not be necessary. I would prefer that you designate my number do not contact. '' She became abusive then and said, among other things, that she was going to indicate on my account history that my account was two months past due. The payment was made on the XXXX, so it was actually less than 30 days past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Ditech recently raised my mortgage payment due to an error in the amount they are escrowing for my townhome insurance. They are escrowing for an annual insurance premium of {$2000.00} when the premium is actually {$100.00} ( so 20 times the correct amount ). I notified them of their error on XXXX XXXX. Since XXXX XXXX, I have called Customer Service twice and sent four written communications. Today is XXXX XXXX and still no action. My payment is due XXXX XXXX and I do n't want to pay the amount they show owing because it 's incorrect and way more than I owe them. The problem stemmed from the Escrow Dept. misreading my insurance company 's " Evidence of Insurance '' document. The document showed insurance on multiple properties, and Ditech used the TOTAL for all properties ( when calculating a higher monthly mortgage payment ) rather than using the line item amount stating the premium for the townhome property that Ditech has financed. I sent an updated document from my insurance company to Ditech ( several times now ) -- clearly showing only townhome insurance and clearly showing the annual premium of {$100.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
We originally purchased out home through XXXX XXXX ( XXXX ). We refinanced with XXXX XXXX in XX/XX/XXXX. The mortgage was then sold to XXXX XXXX XXXX, then Greentree Mortgage, who became Ditech Mortgage. Jumping forward to XXXX, XXXX. We had an opportunity to refinance at a lower rate, shorter term, plus consolidate four payments. The process went well until a major road block. During due-diligence by XXXX, we determined XXXX XXXX failed to file a lean-released with the title company. Non of the successive mortgage holders caught or brought to out attention this error. DiTech Mortgage was aware of something because in their Title Insurance, Page XXXX ( XXXX ) XXXX XXXX was excluded from their responsibility. Therefore, we can not refinance our home at a lower payment, rate, and term, nor can I sell my home. I am tied to a lender I do not like or want at their. terms not mine. I am locked into a higher rate, term and can not reduce my dept load because of someone not doing their job. DiTech gave themselves a " get out of jail free card '' at my expense. Comsumer 's can not move forward with wise financial decisions when the banking/mortgage entities are allowed to control out finances.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Loan originally through XXXX XXXX XXXX, loan was modified through XXXX XXXX XXXX. XXXX XXXX XXXX had an incentive if I paid my loan timely for five years up to {$1000.00} per year would be applied back to my balance. I paid timely the entire five years. Then the loan was sold to Greentree Servicing who reflected the " pay for success '' incentive on my quarterly statements. then they sold the loan to Ditech, around XXXX 2015, who despite numerous inquiries will not respond and will and does not reflect this incentive on my current loan with Ditech. I have attached a copy of when the loan was with Greentree and it showed the incentive balance and then a copy of after it was sold to Ditech and the incentive balance simply disappeared.

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 2015-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
It seems that my mortgage company is holding partial payments I make in an account they call unapplied funds. The funds are not applied to the balance until the due date, not the date they were received. And if the partial payments do equal the total payment due by the due date, then nothing is applied until the total payment is received. 
It seems to me that holding the funds, since there is no prepayment penalty, gives the mortgage company more interest. And would defeat any attempt on my part to cut the interest by making early payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 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: DC

Complaint narrative:
The Problem Telephone Number is : XXXX call frequency for the week : XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX and XXXX ; XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX. The calls started about XXXX weeks ago and have continued with the kind of frequency described above. 

The recording starts by asking for XXXX XXXX and instructing her to press number XXXX. The recording then states that if the receiver is not XXXX XXXX, then press number XXXX. On several occasions, I have pressed number XXXX and explained to the woman answering that I have no knowledge of XXXX XXXX and requested that my telephone number not be called again. However, the calls are continuing as you see above. I have been on the do not call registry for a number of years.. Please help. ThanksXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
Our loan was purchased by Greentree Financial then Ditech bought them. Ditech issued a check XXXX/XXXX/15 in the amount of {$11000.00} for our property taxes. I called XXXX/XXXX/15 to ask about the check as our tax amount was {$6500.00}. When I spoke to the property tax department I was told that my escrow was now short because of the tax check. I asked that they cancel the check and reissue a new check in the correct amount. I was then told the check amount was correct and that I was delinquent in my taxes. Which is not the truth, considering I just purchased my home in XXXX and they just bought the loan. After an hour on the phone they agreed to do just as I asked. The following Monday XXXX/XXXX/15 I called because the check never came. After another hour on the phone I was told the check would be cancelled and the correct XXXX issued. I was assured that they would take care of it and call me XXXX/XXXX/15 with the tracking number to overnight the check to the tax authorities. On XXXX/XXXX/15 I called and was told the check was sent and that they will be correcting the escrow account because. XXXX/XXXX/15 I called the check still has not been sent. I have been dealing with a Supervisor and then asked that a manager call me back. They assured me the check would be sent XXXX/XXXX/15. As of this morning XXXX/XXXX/15, the check has not been sent. Most people do not have the money to pay another {$6500.00} to get their taxes paid. This is a financial burden on my family and it is due to Ditech 's incompetency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Dream Center Education Holdings
State: MN

Complaint narrative:
I started at The Art Insititute XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXand finished at The Art Institue of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have fallen victim to predatory lending, and have been mislead by the school to take out private and federal loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Innovis
State: NY

Complaint narrative:
Today when I went to see a real state agency I found out that in my credit report is a credit card for {$6700.00} which belong to my ex-husband. When he was my husband we had a joined account, but I am not part of his account anymore. 
How can I get that matter to be corrected? 
I called his bank but unfortunately they say I must contact the credit bureau. 
Thanks for your help. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2016, I enrolled in the services provided by XXXX XXXX XXXX. XXXX XXXX XXXX offers service against debt collectors. After contact was made with the debt collector ECMC on XXXX/XXXX/2016 by XXXX XXXX XXXX, the process began. ECMC sent to me what is labeled as " Validation of Debt '' on XXXX XXXX, 2016. I then forward the " Validation of Debt '' documents to XXXX XXXX XXXX the next day, XXXX XXXX, 2016. 
In the process of validating a debt, there are certain things that are to take place : 1. You must get written proof that your account has been sold or assigned to the CA 2. You 'll also get a copy of your current account payment history. This will help you verify the total amount you owe, including any fees being added to your debt. You should also find out how the CA has calculated these extra fees. 
3. A copy of the original contact. This is intended to prove to you that you agreed to the debt. If they do not provide you with a copy of the original agreement, the CA may also provide you with the account statements from the original creditor. 
If they validate the debt, the collector is required to send a copy of your agreement with the original creditor. This was not done.

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 2016-03-29 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ditech Financial LLC
State: NV

Complaint narrative:
I was part of the Greentree LLC Debt collection process with my Mortgage Loan via XXXX and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by 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 2016-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NE

Complaint narrative:
I have always paid my mortgage automatically. However, when ditech took over my mortgage in XXXX 2016, my autopay was taken out incorrectly, replaced, then never corrected all without my knowledge until I started receiving collection calls. All prior payments and subsequent payments were made on time. I tried resolving with ditech over the phone over a couple months, multiple phone calls, etc. but the amount was wrong, there were late fees added, and the entire thing was a complete mess!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: DAS ACQUISITION COMPANY, LLC
State: MO

Complaint narrative:
Included with this complaint you will find the closing disclosure provided to me on XX/XX/2016 by DAS Acquisition Company LLC ( DAS ). As you will see the closing costs disclosed totaled {$2200.00} ( page XXXX ) - this number includes {$2300.00} in loan costs + {$7100.00} on other costs - {$7300.00} in lender credits. Therefore, my cash to close totaled {$0.00}, as disclosed on page XXXX. HOWEVER, it is the practice of DAS to require borrowers to agree to the additional attachment provided which requires me to bring in {$4800.00} to close. I believe this practice by DAS Acquisitions Company LLC DBA as USA Mortgage is intentionally set up to circumvent the requirements of Regulation Z, specifically the disclosure requirements of TRID. If nothing else this closing disclosure and accompanying document should be considered an unfair deceptive act or practice as one document leads a borrower to believe their cash to close is XXXX when what is truly happening is the lender is disguising a lender credit as a borrower 's true cash to close. DAS should be required to comply with Regulation Z and truly honor the lender credit as disclosed in the closing disclosure and therefore my cash to close would truly be as disclosed on the closing disclosure {$0.00}. I would also recommend that this complaint be expanded to identify any other impacted consumers. A lender should not be allowed to issue conflicting closing documents. I am not sure if this is a sales tactic or a way to avoid having to verify assets of a consumer and doubt this document is provided to the final investor as it would make the closing disclosure in violation of Regulation Z.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX sold my loan mortgage to Green Tree Servicing since XXXX XXXX. Then now Green Tree changed their name to Ditech. 
Starting on XXXX XXXX, I paid {$800.00} for payment of XXXX and {$5000.00} which breaks down {$770.00} for payment of XXXX and {$4200.00} for paying extra principle. The billing statement on XXXX/XXXX/XXXX was CORRECT that showed my principle balance was {$87000.00} and the due date on XXXX/XXXX/XXXX. ( See attach ). 
I paid {$770.00} on XXXX/XXXX/XXXX for payment of XXXX. So the current principle balance is {$87000.00} - {$180.00} = {$86000.00} The billing statement on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX were wrong. ( See attach ) I had several phone calls to speak with different representatives to confirm that I did n't pay late ; I did request all my extra money paying to my principal ( {$4200.00} ) ; and my current principle balance was wrong. XXXX is my second language, so I sent email and physical mail to Ditech in order to make sure they clearly understand what these problems are, but it was not completely resolved. Please help and call me any time XXXX for further questions. Thanks in advance. XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My loan was sold to Ditech in XXXX XXXX. At that time my mortgage was paid up one month ahead. I continued to make my payments to Ditech each month despite being one month ahead to carry that cushion but my payment in XX/XX/XXXX was applied all to principle instead of principle, interest, and escrow. As the result, Ditech sent me letters stating I was late yet I paid every month. The continued to charge me late payment fees and sent late to credit bureaus. In addition, I request that my escrow impound account gets cancelled so I can pay my taxes separate ( which I had previous done prior to my refinance in XX/XX/XXXX ) yet, Ditech rejected my request stating " value of property is n't 80 % of the principle balance ''. Apparently, according to Ditech they went off an old XX/XX/XXXX Deed Of Trust ( reflecting value at {$240000.00} ) which is n't correct. I sent Ditech a copy of XXXX XXXX Tax Board XX/XX/XXXX current value of my property {$280000.00} to {$300000.00} they have yet to respond to my second written request. Yet they have increased my mortgage payment {$80.00} citing increase in property increase, which indicates my value has increased. Again, when I purchased my property I did not have my taxes impounded until I refinanced XX/XX/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 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Greentree Lending calling me numerous times throughout the day leaving me messages. Telling me that they do n't care and I ca n't afford the property. Refusing to give me the address to request all documents including notes and phone calls. Not resolving or even documenting my complaints Not disclosing all fees being assessed to my mortgage. Said they do n't care to discuss why I am behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I filed a previous complaint about Barclays Bank because their records were in such bad shape that I could not get anyone to discuss my charged off account so that I could settle it. ( They thought it was with a collection agency, the collection agency said it was still with Barclays, this went on despite many many phone calls trying to find someone who would accept a payment ) My previous CFPB complaint prompted action from their president 's office to fix those issues so that I was able to enter into a settlement agreement. I paid the amount required by the settlement agreement by XXXX XXXX, 2015. I was told the credit reporting would update on XXXX XXXX to show that I no longer owed a balance to Barclays. 

However, on that date, they only took off the payments I made. They are still reporting that I owe them approximately {$3000.00} even though under the terms of the settlement agreement I owe them nothing and the balance should be XXXX. I attempted to call, and spoke with a regular customer service representative and then a supervisor, who XXXX said the balance would NOT be updated. 
Barclays is either refusing to abide by the terms of our settlement agreement, or its employees are simply not competent enough to update things correctly. This needs to be updated asap because I am in contract on a home purchase, and it can not go through while the lending bank thinks I owe money to Barclays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation