vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XXXX XXXX of 2016, ditech received my mortgage payment. Instead of applying to the monthly payment, they applied it towards escrow account. On XXXX XXXX, i received a billing statement for XXXX mortagage as well as XXXX. In addition to that, they slapped XXXX dollars late payment fees to that. I called them up on XXXX XXXX and questioned them. They said they applied it to escrow. I never instructed them to do that. They said they will reallocate that funds and correct the problem and erase the late fees. A few days later, i called them to check on it again. The problem were not fixed. They said a few more days. So on XXXX XXXX, i called again, and still the problem were not fixed. They took my XXXX payment and applied it towards the may payment and make it seems like i am late for XXXX again. And the late fees is still there. The lady said to give them a few more days and they will surely fix it time. She said she checked the system and there were no notes to reallocate the funds. But it did show that i called them. Ditech and their employees are not being truthful and causing me grieves. I spent so much times trying to resolve the problem they created and worried about the problem they created. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Can't contact lender — 
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I filed Chapter XXXX bankruptcy against the company but the company refuses to update the credit bureaus to show '' Included in Bankruptcy " after several attempts at completing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 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: TX

Complaint narrative:
I respectfully request full investigation and based on the information I have provided I request the DEBT RECOVERY SOLUTIONS , LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. DEBT RECOVERY SOLUTIONS , LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

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 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NE

Complaint narrative:
was a money order for {$800.00}. I had to send another payment ... So I paid {$1600.00} instead of {$800.00}. 

Green tree often takes XXXX months to apply payments to account and lies about balances due. I currently am current, all payments made and they claim I owe {$2600.00}. 

The commit fraud on a daily basis. They misapply payments, fraudulently state that payments are paid later than they are. They try to charge late fees that are not due or are far higher than the agree late fee amount. 

GT has caused my homeowners insurance and tax payments to lapse. 

They do not obey the CEASE and DESIST order that was sent to them multiple times. Each offense carries a {$1000.00} penalty. 

They falsify statement and loan balance. 
This company GT has contacted my neighbors illegally when they know my location and even if my account is not past 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ has reported this debt opened on my credit report as of XXXX XXXX, XXXX. PDQ began collection efforts on XXXX XXXX, XXXX as indicated by the attached letter from PDQ to me. PDQ is illegally and erroneously reporting incorrect collection dates to allow them more time to collect zombie debt. PDQ 's response thus far as been to state they will " not discuss a letter that is over 2 years old ''. The consumer protect act requires accurate and honest reporting. PDQ is neither accurate or honest in reporting these dates in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My home loan recently began being serviced by Ditech earlier this year. I had a loan modification about 3 years ago and everything has been fine. I 've been making timely payments. Then about 3 months ago, after Ditech took over my loan, the deferred balance on my statements changed and it has not changed for 3 years. I called and spoke with multiple people at Ditech who did not know where the amount came from. So they told me to put in a written request. I did and only received a letter stating that deferred interest was added, but no information on where the deferred interest came from or how they calculated it. It was only a XXXX page letter stating that Ditech did n't do anything fraudulent. So I called Ditech, referenced the letter, and still no one was able to tell me where the deferred interest came from, even after speaking with a supervisor who said that he would escalate my inquiry so I would n't have to put in another written request and wait 30 days. On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Ditech stating that I needed to put in another written request and wait 30 days. I do n't see why i need to put in a second written request when they never fully answered my first request to provide details regarding the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Went to settlement on my house XX/XX/XXXX. {$3100.00} was impounded at settlement to pay 2015 taxes on the property Mortgage went from Greentree to Ditech.Taxes were never paid.Amt.owed went to collection agency with a lien date XX/XX/XXXX.I have called Ditech for 3 weeks .They were researching the problem.The tax bill has not been paid now I 'm in danger of losing the house & my good credit has been damaged.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
green tree, know it call ditech was change my loan payment no notices why, no information what was going on no one to talk to me you can not to with escrow about your loan. One of the employee was demanding XXXX in a cash year check made out to cash or they would make sure l was homeless ruined my credit report l have been paying my homeowner insurance and property taxes. l can not get any help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
Charged conveince fees and never fulfilled their end of helping me with loan modifacation or assuming the loan from the trust. Threats of forclosure while in process of catching up on missed payments and being charged fees for checks and post dated checks [ suggested by them ] to stop foreclosure added in to the hundreds of dollars. Late fees were always there even when they had the funds in hand they said that funds must clear instition before due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
When our mortgage was sold from XXXX to DiTech, they misplaced one of our payments during the transfer. They insisted they did n't have this missing check so we resolved the issue quickly by stopping payment on the lost check and issuing a new one. 

Then they found the missing check and tried to process it, but it was already stopped, so it was returned. This went into their system as a returned check. 

Since then, DiTech has been telling us we are short a payment because of a returned check, but we are not. We are fully paid up with the correct number of payments, which they see and admit every time I talk to them on the phone. They know that they have a system error that is misreporting this as an issue, and I 've been trying to resolve this with them since XX/XX/XXXX over the course of a dozen phone calls that last XXXX minutes each. 

But they can not fix this problem. I 've been assured a number of times that they are correcting it, and then we get a late fee the next month again. I call them, they see the problem, they remove the late fee ... and then the next month I get another late fee because the underlying problem is not resolved. 

I did not choose DiTech to service my account, and I do not seem to have any recourse to get away from them without refinancing my mortgage. They are constantly over-billing me for late fees that I do not owe, and I waste time talking to them every month in a desperate attempt for them to fix their problem. I 'm afraid that they are going to affect my credit rating by reporting me for late payments that I do n't owe.

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 2015-09-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I was previoulsy informed by the Department of Homeland Security that my information was invovled in the security breech and that my information needed to be monitored. In late XXXX early XXXX my checking account was compromised and my payment that was sent to Worl Finance was returned. I contacted World Finance and explaned to them the situation and they agreed to allow me to bring my account payments current on or before XXXX XXXX. I set a payment to be payed from my new account on XXXX/XXXX/2015 which was recieved by World Finance. I received a phone call from them stating that they are refusing my payment because I had a report XXXX return payments. When I inquired about return payments he stated that my most recent payment was returned and a payment that was on a previous loan was returned as well. I informed him that I called about the previous payment and the conflict with my old checkking account being frozen due to the information breech which he confirmed was in the notes. He then stated that its a sign in the store that states when loan payments are returned XXXX or more times they are no longer going to accept payments from me. I then argues that my contract does not specify any of this and that I was unaware of any signs in the store. He the stated that he was returning my payment and that no other oayments sent to them form my bank will be accepted. I asked to speak to a manager but was told he would call me on Friday XXXX/XXXX/2015. On XXXX/XXXX/2015 the manager never called. I the contacted World Finance and I was spoken to harshly by a young woman on the phone. When I tried to explain my problem she stated that the polucy which I was calling about was a corporate policy and was not lsited in the contract. She then stated that the manage would then contact me on XXXX/XXXX/2015. As of XXXX/XXXX/2015 no one has contacted me and I have called several times to the store but now XXXX will take my call. XXXX payment made on XXXX/XXXX/2015 has been sent back to me. In addtion I would like to mention that I have had several loans with this company and have had an excellent lending history with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
XXXX, PaXXXX Tel:XXXX Email : XXXX XX/XX/XXXX Dear sir madam : My final complaint : The mortgage " document is a fraud because the signature on the document the bank is claiming to be XXXX signature is not that of my Ex-wife, XXXX . Thus, I 'M kindly asking that the CFPB use the services of your good office to probe this concern. For now, I 'm awaiting the bank proving to the court that my Ex-wife lied under oath to the court. The signing is hers '. 
At this juncture, many thanks for the CFPB support to people like myself and those are and have been struggling to remedy financial predatory difficulty against the most powerful e like the entity like the banks and subsidiaries. 
This missive is to acknowledged receipt of the " Company respond, Ditech Financial LLC to the Consumer Financial Protection Bureau ( " CFPB '' ) Case No. XXXX Ditech Financial LLC Account No. XXXX In the last paragraph of their letter, the company wrote : " At this time, the account is currently past due and owing for the XX/XX/XXXX payment and all subsequent payments. If you have any remaining questions regarding any potential loss mitigation option ( s ) or as to the loan account, please contact Ditech at XXXX. '' In hindsight, my concluding complaint thus : The signature on the " Note '' is " fraudulent and predatory ''. In XX/XX/XXXX when XXXX did not provide me " QWR '' that I requested, XXXX counsels reported to the court that " The bank could not provide the Note because the bank was transitioning to an electronic filing system. '' In addition, my ex-wife ( XXXX ) testified in court on XX/XX/XXXX. Under oath she explicated that " The signature on the note is not my signature, I never authorized anyone to sign for on any document/s. '' XXXX added. She concluded with this statement, " Your honor, if my signature is on any mortgage note or bank note is not my signature, '' XXXX reported. 
In sum, I 'm await the " QWR '' I have requested from Ditech to audited. For the note that Ditech and partners have been taking through " XXXX '' for is a federal crime. It is fraudulent and predatory. I need the bank to provide me an authentic verified copy of the bank Note bearing my Ex-wife. 
In the cause of the struggle, XXXX, Account No. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I had a fire on an out building built long after mortgage was secured ( did not originate with ditech ). It was a therapy building for my XXXX special needs sons. Since I have a mortgage the insurance company had to include th on the check. I still owe funds for this building ( put on my cards ) I contacted Ditech to get the ball rolling so I could pay off this debt. I was told I could not and needed to sign the check and send it in and then they would regulate the rebuild. Finally on XXXX XXXX I called back to speak wtih a supervisor to get more details and to explain my situation. Spoke to a rep that gave every detail. We went over this again before ending the call so I made sure I got what they needed. WA sold a letter/adjuster report stating it was a total loss ( since that makes a huge differwnce ) & that it indeed is a separate structure from the home. I did this and sent in check so they would endorse and return like I was told. Today I called to follow up and they will not endorse it, I have to rebuild under their guidlines or put it towards my principle. Based on my prior conversation which rep today stated she saw I was told that I could opt to not rebuild IF insurance company stated total loss of separate structure. I mailed that certified with check ( unendorsed & took pictures of what I sent ). The rep stated only the check is on file as well. This does not impact the value that I mortgsfed, in fact the value of my home is way higher now and I should not have to pay a debt for this building when thay is the purpose of insurance. Thank you and feel free to contact me at XXXX

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 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I filed the below complaint with the CFPB on XX/XX/XXXX. My mortgage servicer, Ditech Financial LLC, responded that I will need to reaffirm my debt following discharge of a CHAPTER XXXX bankruptcy in order to rectify my credit report, which does not show any mortgage nor payments to the same, and to reinstate detailed monthly statements versus informational ones. 

Unfortunately Ditech 's response seems to have been given without reading my complaint - I can think of no other explanation for why it was so totally off base. The key point, which was somehow completely missed by the responder, is this : I FILED CHAPTER XXXX BANKRUPTCY, NOT CHAPTER XXXX. This and all other needed details are provided below in the original complaint, which I am hopeful will be rectified this time : I filed for Chapter XXXX bankruptcy approximately XXXX and the bankruptcy was successfully discharged XX/XX/XXXX. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than one year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech FOUR TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
After the death of my husband, I was left with several loans taken out for the operation of our XXXX XXXX XXXX. The XXXX was sold as a stock sale that after 10 years is still in XXXX and has not been paid for at this time. 

I contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-phone XXXX ) to negotiate a final payment and pay old XXXX debts with XXXX XXXX XXXX XXXX and World Finance ( Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX-home office XXXX XXXX, XXXX XXXX XXXX XXXX, phone XXXX XXXX ). They made a monthly withdraw from my checking account to make the payments after negotiating lower payoffs. After they had negotiated and paid all XXXX accounts, I cancelled my agreement with the cancellation letter stating they confirmed the XXXX companies had been paid and account closed. There was a small balance in my account with them that was returned to me. 

When I started to get XXXX property loans consolidated in 2016, I found out from the loaning bank that World Finance and a company ( XXXX ) I had never heard of before were listed as being owed. 

I contacted XXXX and they stated all accounts had been paid and closed. I did get a copy of the settlement letter from XXXX XXXX ( XXXX XXXX XXXX ) that is attached. I than called World Finance and asked them to remove the account from my Credit reports as XXXX told me to do. 
The lady at their World Finance office told me my account had been closed & sold to XXXX XXXX. This I think was done at the same time XXXX XXXX paid World Finance. It appears that XXXX XXXX added {$1000.00} to the settlement dollars of World Finance and that is what is listed on my credit report.I later spoke with the manager who denied the sale of the account or payment from XXXX. 

After I contacted these XXXX companies, I started and still getting numerous threating calls from both of them and a additional group that appears to have also bought the initial loan from World Finance.They only called one time. 

At XXXX years of age, I can not handle these phone calls, XXXX XXXX said account was paid when they refunded the small balance in my account. It appears from the Better Business Bureau that both World Finance and XXXX do not have records of being honest business companies. 

I really need to get them both off my Credit report and do not know where to go. I can not afford an attorney. 

Can you help? Now that my account with XXXX XXXX was closed after they said the XXXX companies had been paid and they are not drafting funds from my bank account, I am not getting help from them.

Company response to consumer: Closed with explanation