vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XX/XX/XXXX I lost my job and so did my husband. We were both making payments towards the house with no problems. As a result in my job loss my husband was the only provider and it became stressful and financially we were unable to make payments on our mortgage. I contacted the mortgage which was XXXX through XXXX XXXX XXXX. They tried to modify our loan and help us make lower payments. Then we got our result back and it was still high and we could n't make payments. By the time we tried again to modify, my husband lost his job due to the company going out of business and we were left in a bad position. So I contacted the bank and asked to put the house on the market and that did not go well. Did n't sell, then we went through a process of short-sale, deed-in-lieu and then I voluntary gave up the house and we moved out XX/XX/XXXX. We were given the run around by the bank every time we tried to get out of the house and the bank kept changing ownership through this order : XXXX, XXXX XXXX XXXX, Green Tree and now Ditech. Every time we get a process started we have to start over with another company. It has become very frustrating. We do n't live in the house because my husband joined the XXXX XXXX XX/XX/XXXX and we live in California and are unable to make any payments on this house. We have been trying all these years to get the house out of our debt and always hit a stand still in our efforts. We ca n't afford it and want something done. Please help us get the mortgage company moving on a outcome. We are no longer interested in keeping the home. Please fix the issue! We are very unhappy with the banks effort to help us! My husband wants to XXXX within the XXXX and because of the house our credit is a huge issue. He ca n't have high security clearance because of the mortgage being a huge debt. We need to get the house off our credit so that we can pay off the small debt we have to establish a clean and well standing credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
We ( my late husband & I ) owned property which was in his & his brothers name. Financed thru BofA, sold to Green Tree and now DiTech. After my husbands death I ended up owning the property XXXX %. It is rental property and I make all of the payments, etc. Yes, I have been late on several payments but always catch them up and pay any late charge associated with them. I just received a call from DiTech saying that they received my XX/XX/XXXX payment, but would not be applying it to the loan, as it was not the total amount due. I asked what the extra amount was for, please break it down for me and she said she could only give me limited amount of information on the account and she would not be applying my payment. My husband has been deceased for 7 years and I have always spoken with this and previous companies regarding the loan and payments. They have had my brother-in-laws permission to speak to me regarding anything to do with this loan for many years. Even though I always pay any late fees, if I am not mistaken, the original loan papers say any outstanding late fees, etc. will be added to the end of the payment schedule/final payment. How can a financial institution treat and threaten paying customers in this manner? Is this legal?

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: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2015 I made an offer on a repossessed property that was being sold by the US Bank. Although my initial offer expired on XXXX XXXX, 2015, I was not presented with the 'Counter Offer Addendum ' until XXXX XXXX, 2015, calling into doubt the validity of this even being a 'Counter Offer ' or an 'Addendum '. Furthermore, in accordance with paragraph XXXX of the initial offer, there was no basis to maintain any contract with this so-called 'Counter Offer Addendum ' since the offer had thus already been deemed withdrawn. 

At the time I made the offer I had no knowledge of the seller-skewed, 'Counter Offer Addendum ' that was to follow. This document stated all of the foreboding liabilities that rightfully should have been presented from the start. Since the 'Counter Offer Addendum ' arrived late in the week and the Bank wanted the deposit wired by Friday, I had virtually no time to scrutinize the document or voice any concerns. The US Bank got my deposit anyway and then considered me under contract. 

However as the closing neared, my demands at work delayed the closing by two days. Due to the lack of incentive that US Bank has to deal with people, the bank gave away my property to another buyer, keeping my escrow without notifying me of its intentions. Even though I was the higher bidder, the bank 's apparent goal was to clear its books then write off the difference either way. 

Now, I have no property and am {$1000.00} poorer, while US Bank continues to do its business on people without any conscience.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I applied for a deed in lieu of foreclosure with Ditech in XXXX XXXX, it was finally approved in XXXX XXXX, I had to resubmit all paper work because they told me that the application that was submitted in XXXX was out of date. I complied with their request. They approved the Deed in lieu in XXXX XXXX, after outright lying to me, telling me I had a lien on the property, when there was no lien. I went to the XXXX court and checked the land records for XXXX county, there was no lien on the property. However, the kept telling me that the lien was holding up the deed in lieu. Finally, in XXXX XXXX, I was sent paper work to sign agreeing the the deed in lieu. I have complied with every requirement contained in that letter ( see attached ), so it was no reason for Ditech not to fully executed the deed in lieu as promised I completed all the paperwork and sent back to Ditech by certified mail. I have heard nothing from them since submission of my paperwork. I can not contact them, they will not return my calls, nor respond to my request for a status on the deed in lieu. Then in XXXX XXXX, I received a Notice of Intent to Foreclosure and no one can tell me what happened to my approved application for a deed in lieu.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
GreenTree Servicing has refused to offer Loan Modification on our second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: ALCOVA MORTGAGE LLC
State: GA

Complaint narrative:
ALCOVA Mortgage, LLC XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX I have been working with Alcova mortgage in XXXX since the beginning of XXXX on the purchase of a home. I was prequalified in XXXX and assured on several occasions that I did qualify for that amount. I went under contract in mid XXXX, nothing was done on my file until the end of XXXX. The process ended up being drug out for 60 days and still no clear answer as to why the loan had not closed. During this 60 days of being under contract, I followed up daily, half the time you could n't get in touch with the loan officers and when I did, I was just fed lie after lie, excuse upon excuse. I did n't really know what was going on until almost XXXX60 days in, when they tell me they are having problems getting an approval from the underwriter. Now I have lost my earnest money and money I spent on an appraisal. Never the less the were very nonchalant about the whole matter. Not caring that I lost money, time, missed out on purchasing a home that I loved. A broker referred me to them. Much to my regret

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
This is incorrect information not mine.

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 2017-01-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
XXXX XXXX the security company repeatedly tried to collect on a bill that was never owed. I had service with XXXX when they overbilled me by {$250.00} claiming that they paid it to secure a permit for my alarm with the XXXX county Police. I have called them requesting that they produce evidence substantiating a permit application or payment in conjunction with the alleged application. In fact I have had such a permit with XXXX County Police that I paid XXXX for the past four years. I believe that they intentionally lied and misrepresented the fact that they applied and wanted to wrongfully charged me for money that was never owed. I immediately complained and they sold and transferred the account to a third party, when I complained to the third party they assigned the account to another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech bought the servicing on my loan in XX/XX/XXXX. Since then they have refused to report my payment history to the XXXX credit bureaus. Ditech wanted a re-affirmation agreement for the mortgage. I have provided this twice by fax and once by mail. When I call to find out if they have the document and are ready to report to credit bureaus, I get hung up on, or they ca n't find the document, etc. etc.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
We have a current file case. XXXX. We have additional information to add. We have been in the process of trying to get a loan modification for the second time to no avail we have also experiences charges from the information that I have copied. 
The agencies also allege that Green Tree pressured consumers to make payments via XXXX, a third-party service that charges a {$12.00} " convenience '' fee per transaction, claiming it was the only way to pay, or that consumers had to use the service to avoid a late fee. 

Mishandled Loan Modifications and Delayed Short Sale Requests According to the complaint, in many instances, Green Tree failed to honor loan modifications that were in the process of being finalized when consumers ' loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. In addition, Green Tree took up to six months to respond to consumers ' short sale requests despite telling them it would respond much more quickly. These delays caused consumers to lose potential buyers, miss other loss mitigation options, and face foreclosures they could have avoided. 

Misrepresented Account Status to Consumers and Credit Reporting Agencies Thank you for your support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
This company is charging me XXXX which is n't the correct loan price. My loan amount was XXXX. I have paid XXXX. On my credit report Green tree Servicing LLC, PO Box XXXX, XXXX XXXX, SD. XXXX. ( XXXX ) is reporting my loan as new to keep it open. this loan have been a charge - off on XXXX with an account paid in full. This account was opened XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
I used my XXXX card to get the service I needed, but at the time I was n't old enough to have a supplement. They turned this over to collection in record time. I had a XXXX XXXX on XXXX/XXXX/16. They could have made arrangements with me, but chose to affect my credit score, which it did by XXXX points.

Company response to consumer: Closed
Consumer complaint received 2016-05-09 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: WA

Complaint narrative:
I have been making payments to XXXX XXXX for two years. Today I discovered that another company XXXX XXXX XXXX XXXX is holding XXXX of my student loans. I had no idea. I have had the same email and phone number for 15 years and I have NEVER heard from these people, ever. As a result my taxes were seized leaving me in dire straights. What really makes me angry is that if I had KNOWN this loan was with this company I would have addressed it, I could have had them all consolidated so I can make payments together. Because they have acted in secrecy, by never contacting me, two years after making on time monthly payments my credit score is still suffering and I have XXXX loans in default. I have struggled to get my credit on track and this is a huge set back. Not to mention I actually owe XXXX more than I took out in student loans thanks to insane collection fee 's. I want my loans taken from these people immediately. I want them placed with XXXX XXXX, the company who reached out to me and helped me get this started. I also want XXXX to receive repercussions for their part in this.

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 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
My house had a flood. My flood insurance company wrote an advanced check for immidiate mitigation so i could afford to get the wet carpet and walls out. The check was written out to me AND the mortgage company. I never signed the back of it. I mailed it to my mortgage company with a sticky note asking them to sign the back and mail it back to me. I left my phone number if they had any questions to call me.. They told me the check was lost or written out wrong. ( it was written out to greentree, who was bought out by ditech. My mortgage broker said it was fine to have it written out to greentree ) I called flood insurance company and told them to cancel check and write a new one ( with ditech name on it this time ) I called ditech back and heard that my last payment was the amount of the advancement my flood insurance company wrote out to ME! I talked to someone else who told me it was MY FAULT for not calling ditech before sending the check and that I mailed it to the wrong processing department. They put the money towards my mortgage account and totally mishandled my money!! Now I 'm going to be charged a {$25.00} fee for THEIR mistake when that check is cancelled and bounces. Without my signature on the back, how were they even able to process it? I know my bank would tell me they need EVERYONE 'S signature in order to process it. Is n't this fraud? Did they forge my signature? How am I supposed to trust a company like this with further flood insurname checks?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech reported my account as " Bankruptcy '' rather than " Cash for Keys '' settlement. On XX/XX/XXXX, in the XXXX XXXX XXXX XXXX Court in FL, CASE No. XXXX, Ditech-Green Tree agreed to pay me {$4000.00} upon vacate the property and waive the deficiency. Ditech has neglected correcting my correct account status to the XXXX consumer credit agencies despite my several calls and formal request via certified mail on XX/XX/XXXX. Ditech also has neglected to close my account and provide the XXXX form for XX/XX/XXXX taxes. On XX/XX/XXXX XX/XX/XXXX, I took Ditech to the XXXX XXXX Court to enforce the court order payment of {$4000.00}. Judge granted me the payment and filed a sanction against Ditech in my favor of {$500.00} for my expenses. I am asking for your help. Ditech needs to be more responsible and accountable providing timely and accurate information to their customer, public, and consumer credit agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
For years, XXXX/XXXX/XXXX, we have instructed DITECK not to pay AAA FLOOD Insurance, which we are not required to maintain anymore, See # 1. Diteck finally sent us a confirmation letter dated XXXX/XXXX/XXXX, about our loan not longer requiring flood insurance, See # XXXX & XXXX. YET, THEY, AGAIN, PAID XXXX {$670.00} on XXXX/XXXX/XXXX, see # XXXX. We have also contacted XXXX for the last 3 years. Our last call on XXXX/XXXX/XXXX to XXXX Representative " XXXX XXXX '' informed us that their records showed we had called and requested a " Voluntary '' policy we did not need. XXXX is maliciously and illegally renewing our policy against our will and Diteck is being negligent when paying XXXX after been notified and documented of the problem. PLEASE HELP.

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 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
I made an online payment to Ditech for XX/XX/XXXX for {$550.00}. 
They took out {$1000.00} including the XX/XX/XXXX payment and now my account is overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: KY

Complaint narrative:
This loan originated in 1987 and was originally with XXXX XXXX Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC
State: MD

Complaint narrative:
Summit Receivables has been calling several times a day, and leaving multiple messages per day on voicemail -- they left a detailed message on my cellphone before they had verified the number was mine. They left a voicemail on my manager 's phone at work as well, only minutes after they had already left a message on my cellphone ( violating the multiple contacts per day rule ). The message on my cellphone said I had made them a payment which did not clear my bank -- which is false, I have made no payments to them. They claim to have sent me written mail to verify the debt, which I have never received, and are refusing to send additional written verification. I can not contact them in writing because I have not received anything from them, to which I could respond. 

Every voicemail they have left on my phone claims I have bounced a payment *with them* which is patently untrue because I have not made any payments to anyone through Summit Receivables.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
I have a loan with Green Tree My payment is XXXX of that PMI is XXXX and the balance is XXXX and intrest {$290.00} of it goes to Escrow for Tax and INS I called and asked why they did n't pay property Tax and they said the loan was n't set up to do that I said will it says on my paper work they said I would have to fax the Escrow dept no # to call them my property taxes are over due now and now Green Tree says they will respond with in XXXX days this is a FHA loan it 's there mistake they have the money

Company response to consumer: Closed with monetary relief