vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I filed Bankruptcy, Chapter XXXX in XX/XX/XXXX, the mortgage was included and the mortgage was foreclosed XX/XX/XXXX and a Sheriff Sale was held. Since that time Ditech Mortgage has sent me monthly statements with the deferred portion of the mortgage owing with additional charges added to the deferred portion of the mortgage. I have called them repeatedly about these statements to no AVAIL. Ditech claims these notices are for informational purposes. My concern is if, I am able to REEDEM the property, Ditech will place a lien on the property for the deferred portion of the mortgage. The total dollar amount of the mortgage balance was {$67000.00} the law firm of XXXX., XXXX XXXX MI, XXXX. Their phone # is XXXX. This mortgage was modified with XXXX. XXXX XXXX, as trustee for the certificate holders of the XXXX inc., Asset-Backed Certificates Series XX/XX/XXXX-XXXX, listed for mortgage sale. The modification was for an ARM. {$56000.00} the principal balance and {$16000.00} of the principal balance to be deferred for approximately 21 years due in a balloon payment. Ditech was not known to me until the court hearing and Ditech appeared in court to contest the stay of the Foreclosure Sale on XXXX. At this time I have received monthly statements from Ditech Mortgage. Is this a form of intimidation? Was this a MERS mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My daughter had chosen to attend the XXXX. In one day, we attended an informational meeting and were steered directly to the financial aid department. Without much information, we stupidly signed papers so that she could attend the school of her dreams. It has turned out to be a nightmare. We took out a Parent Plus loan at that time and after graduation, she has made payments. Then, life got in the way ... she got married and has XXXX children. Like everyone else, she finds that child care is too expensive so she has cut her hours down to accommodate her husband 's work schedule. This payment continues to balloon. At one point, she was paying approx. {$300.00}. In XXXX 2017, the payment will be almost {$600.00}. She can not afford this. I am only able to help with a small bit of help. Is there any way to refinance this beast? 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
As part of my move from XXXX to XXXX in XX/XX/XXXX had paid of XXXX for XXXX services in full. However, XXXX ended updating their records incorrectly and handed off my 'closed account ' to a Debt collection agency called 'Debt Recovery Solutions - DRS '. 

DRS was contacting me for the payment, during this process my discussion and explanation of the closed and fully paid account was not accepted. I was time and again warned about the 'negative consumer credit reporting ' consequences of this collection and was pressurized to pay of {$280.00}. 

Despite not owing to pay anything to XXXX or DRS on a low moment I paid off the {$280.00} when DRS promised to delete the 'negative consumer credit reporting ' as an error on their side by XXXX of their collection agent by name XXXX XXXX on XX/XX/XXXX. 

However, DRS did not keep up its promise and continues to report this debt as a 'collection ' on my account. Fully paid though. 

This issue negatively impacts my credit rating at the XXXX, XXXX & XXXX and request your intervention with DRS to get this deleted as 'No Fault ' of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I was making payments on the loan and finished paying it off a year or two after loan was paid i was receiving calls that i still had a balance on the loan which was paid in full

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: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
XXXX XXXX has a loan with Green Tree. XXXX XXXX had got behind due to some financial difficulties. XXXX XXXX called Green Tree and spoke to the lady over his account, # XXXX, XXXX XXXX XXXX XXXX had to call me on the phone XXXX way, meaning XXXX XXXX, XXXX and myself were all on the line at the same time but at different places, to verify him using my debit card. I told her that I did verify the transaction of {$3400.00}. XXXX XXXX XXXX ran the transaction and she said the it would not go through because my bank probably had a limit set. I asked XXXX XXXX if I could just give her my account information and do it as an ACH, XXXX XXXX then put XXXX XXXX and I on hold to ask her boss if she could do that. XXXX XXXX returned and said that her boss AGREED and I gave XXXX XXXX my information and she processed it. Green Tree took the {$3400.00} out of my checking account on XXXX/XXXX/2015. XXXX XXXX told us that all legal and late fees would be added to the end of the account and it was up to date. Next payment was due XXXX/XXXX/15. 
On XXXX/XXXX/15 XXXX XXXX called XXXX XXXX to get his account set up online so that XXXX XXXX could make payments online, and was told by XXXX XXXX that XXXX had bought out Green Tree and they was not excepting the agreement that was made and that the money would be put back into the account that it was taking out of, XXXX XXXX stated that it was start Tuesday XXXX/XXXX/15?!?! XXXX XXXX also stated that she was no longer over the account and could not help XXXX XXXX. As of today XXXX/XXXX/15 my money still has not been put back into my account. Not only was an agreement made and money already accepted, when XXXX XXXX and I call about the account and money, XXXX XXXX and I are put on hold and transferred to others representatives that can not tell us where the money is. I, myself, called today XXXX/XXXX/15 to XXXX Ext. XXXX and spoke to a XXXX. XXXX XXXX verified account number, phone number and asked who he was speaking with and I told him that I was not on the account but I had XXXX XXXX hear beside me. First thing he said is the account is {$3400.00} behind how would you like to handle this. My response was that I had already paid that and it was being returned. Then after I tell XXXX XXXX what is going on he then tells me oh I see and yes now with XXXX they do require legal and late fees up front. Why was that not told in the total then? XXXX XXXX was told that {$4500.00} is due by XXXX/XXXX/15 or they are taking his home back. I want my money put back in my account ASAP and not every will I ever do business with XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Ditech mortgage has recently ( XX/XX/XXXX XXXX ) placed a " Charge Off '' on my and my wife 's credit report for an account we never had with them. They took over Greentree, who had taken over the account we had with XXXX XXXX XXXX back in XX/XX/XXXX which is when we filed for and went thru CH XXXX Bankruptcy. That account was in our Bankruptcy, which was issued a Final Decree on XX/XX/XXXX, which is over 1 1/2 years ago and prior to Ditech servicing of Greentree accounts ( which began 2 months ago ). Therefore, we never had an account with Ditech and they should not be reporting our account as a charge off with them. They simply have never had any claim on us as the account with Greentree was closed and covered under the bankruptcy 1 1/2 years before they took it over from Greentree. Please have them remove this immediately. 

I have made several calls to have them correct their errors, but like all other mortgage companies, they do n't return calls. 

Ditech ( XXXX ) XXXX MINNESOTA XXXX XXXX XXXX, XXXX XXXX, MN XXXX they claim charged off $ XXXX was with 1 ) XXXX # XXXX, then 2 ) Greentree XXXX XXXX and now suposedly 3 ) Ditech XXXX XXXX ( full account number not reported by Ditec ) Thank you for your assistance. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
The mortgage started with XXXX and was changed to GreenTree. My mother has since passed away ( XXXX 2013 ) but they still keep sending the statements in her name, even though they were sent death certificates XXXX. They would not work with my parents who live on social security and the mortgage was very high interest. They made payments every month and barely anything was put toward the principal of the loan. When they were facing difficulties, my mother called to try to get interest rate lowered or some other option and was told NO. My parents were in constant stress trying to make ends meet. Since they would not work with them, they had to file bankruptcy. Every time, it was declined by GreenTree. This is a modular home, not a regular house. They do not increase in value, they decrease. They want too money for this place. The house is in the XXXX bankruptcy in just my father 's name. He lost my mother 's income when she passed away. He was paying {$300.00} a month to the trustee and now they want {$450.00}! He has less income and they want MORE money. I handle his finances for him because my mother took care of that. This is the XXXX time for this bankruptcy. They are refusing to take what was paid in the past 17 years and want more money. The trustee wants to dismiss the bankruptcy. He tried to get a place for low income but was DECLINED because of this bankruptcy. What is he supposed to do? There is class action against GreenTree and I want him to be part of that. There are over XXXX complaints against them. He has very limited income and I feel this has gone on long enough. He wants to stay there for the remainder of his years. He is XXXX the lot rent also went up this year and is {$570.00} a month. This home is in a modular home park. It is not on its own land to give any value. I feel this has gone on long enough and this place should be considered paid in full. He certainly paid more than it 's worth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ECMC GROUP, INC.
State: PA

Complaint narrative:
I paid off all of my student loans ; however I am being harrassed by XXXX for payment of a student loan. I have requested via online submission for this collection agency to provide me with the originating contract and lending information but they refuse to send me the requested information. This is a clear violation of the FDCPA and UDAAP as I did not have many student loans ( as I received a XXXX ) and the ones I did have were paid off ( final payment made about a year ago ). I was in school several years ago graduating in 1993 and I do not recall having any other loans then the standard federal loans that I have paid in full. Instead of XXXX providing me with the origination documentation they sent an email stating to contact them as they can possibly garnish my tax return or other federal payments. Please assist me with obtaining the requested information and to stop the harassing phone calls.

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 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
trying to force into escrow account, raising payment not agreed upon, not applying funds to make it appear as in default, trying to justify reason for loan manipulation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My issue is with my current mortgage company Ditech. I recently filed a complaint on how I have tried to reach them several times and now I am seriously delinquent with no options for us. They replied to my previous complaint stating they approved me for the HAMP program and that I declined it back in XXXX 2016. I was never approved for that program because if I was I would have taken it. I just would like resolution and to put my delinquent payments at the end of my loan so I can start making payments and start fresh since no one ever returns calls from Ditech and every week I have a new account representative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
After Credit report disputes the Credit Bureau of Lancaster County , Inc . 
( XXXX County PA ) Is unable to provide an agreement of services or any signed document of a XXXX $ bill that is showing delinquent on my credit reports. 
They did however request that I pay the bill and request that it be removed from my report. I refused to acknowledge the debt. 
This is not a debt that I agreed to nor did I authorize. 
I was willing to actually pay it if it were completely removed from all XXXX major credit reporting agencies of which the Credit Bureau of Lancaster County , Inc . Refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I have ditech mortgage company. I fell behind on my payments due to losing my job. Once I got my tax return and a new job, I was put on a payment plan of 4 months. I was told it could go up to 6 months. First problem was when I asked for 6 months they said ok and it would be reflected on my account in a few days. A week later it still wasnt. I was told to pay on the new plan anyway and set up payments with one of their reps for the next two weeks. They rep put the information in wrong. When I called in about it, I was told to make a payment that day and then I could be set up on a new payment plan for 6 months. I made the payment and now they are telling me they need another payment before they can put me on a new payment plan. The new payment is {$2100.00}, if I had that kind of money I would n't have this problem. Every time I call this company I get different answers from different people including supervisors. I think they are just in the business to foreclose on homes and sell them. Please do something about them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I sold my property on XX/XX/2016 and the payoff was mailed to Ditech on XX/XX/2016 via USPS express mail. The payment was not received by Ditech and could not be tracked by the post office. I had a stop pay placed on the check and a new check was finally issued and sent to Ditech which they confirmed receipt of on XX/XX/2016. On XX/XX/2016 the first check sent was somehow recorded as received by Ditech. The payoff of this loan is a contingency for another loan that I am in the process of attaining, but my account is still as of XX/XX/2016 showing as unpaid. This has also affected by credit rating, and I have received collection calls from Ditech for non -payment of the loan for XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
This is being submitted because of an ongoing issue with Ditech Financial LLC. They have mishandled our account and specifically our mortgage payoff, and have placed negative incidents on our credit report. We paid them in full on XXXX/XXXX/2016 as prescribed by them and yet I am still having to deal with them. 
re : [ complaint # XXXX ] re : [ complaint # XXXX ] They have now acknowledged our payoff, and returned our escrow. Unfortunately the amount they sent us was wrong. On the payoff quote generated by them clearly shows and escrow balance of {$2500.00}, but they sent us a check for {$2300.00}. Did they think we would n't notice {$190.00} missing? Well ... we did, and we want the rest of our money. Since we did n't make anymore payments to escrow and they did n't disburse any money, the check should have been for {$2500.00}. It 's been almost 2 months and I am getting tired of having to deal with them anymore. When will they get it right? 

And now all XXXX major credit agencies are showing the negative credit information. We pay all our bills on time. The only negative mark in all our credit history ( 30 years ) is from them, them who caused all this by their incompetent handling of our account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: BlueChip Financial
State: LA

Complaint narrative:
I requested spot loan to draft the full payment via e-mail below : Post the full balance for payment ... 
Thank XXXX : Help at Spotloan [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX, XXXX XXXX : XXXXXXXXXXXX : Your spotloanHey XXXX, Thanks for checking in on your loan. Your current account balance is {$140.00} and your next payment of {$110.00} is due on XXXX/XXXX/15. Remember, your account balance changes daily to reflect interest and, we require at least a 2 business day notice in order to make payment arrangements. 

Our hours of operation are Monday - Friday XXXX CST to XXXX CST and Saturday XXXX CST to XXXX CST. If you have any questions or concerns, do n't hesitate to give us a call or send us an email and any one of our Relationship Managers will be more than pleased to assist you. 

Spotfully yours, XXXX XXXXSpotloan Relationship manager/ Help XXXXXXXXXXXXXXXXXXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I opened an account with Pentagon FCU in XX/XX/2015. I also had an overdraft protection account of {$500.00}. Sometime the following year I cam behind in payments on my overdraft protection account loan ending XXXX. At that time Pentagon FCU denied me access to my checking account in which I had direct deposit. The froze my debit card in which I would have no access to my money because there are no branches in the state of XXXX, on top of that they required that before I be given any access to my direct deposit that I bring my account current. Even though I told them that I was unable to pay at the time and was willing to work other arrangements. As a result I was unable to pay my rent or car payment and my car was repossessed. Please look into this as I feel my rights were violated. They did give me the option of having my money XXXX XXXX to me but that was only after i brought my account current.

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 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
I have been paying on my mortage for twenty years and instead of going down it has gone up. I got my mortage statement today and it tells me why. Principal=XXXX, interest=XXXX, escrow=XXXX which comes out to be my payment of XXXX. There 's something wrong with this picture and no wonder my mortage is not going down. My interest rate is suppposed to be 5.125 %. I have been paying on this house for at least 20 years and my mortage has been sold at least once a year. I 'm totally fustrated with all this and I am now XXXX and still trying to work to meet this high house payment. please help.

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